{"id":73326,"date":"2026-05-02T12:33:11","date_gmt":"2026-05-02T12:33:11","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/73326\/"},"modified":"2026-05-02T12:33:11","modified_gmt":"2026-05-02T12:33:11","slug":"ocima-byznysu-levnejsi-pujcky-pro-vsechny-chudi-cesi-skonci-u-lichvaru","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/73326\/","title":{"rendered":"O\u010dima byznysu: Levn\u011bj\u0161\u00ed p\u016fj\u010dky pro v\u0161echny? Chud\u00ed \u010ce\u0161i skon\u010d\u00ed u\u00a0lichv\u00e1\u0159\u016f"},"content":{"rendered":"

Poslanci projedn\u00e1vaj\u00ed vl\u00e1dn\u00ed n\u00e1vrh novely z\u00e1kona o\u00a0spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Vl\u00e1da v\u00a0n\u011bm mimo jin\u00e9 navrhuje zastropov\u00e1n\u00ed \u00farok\u016f, aby ochr\u00e1nila lidi p\u0159ed drah\u00fdmi \u00fav\u011bry. Zn\u00ed to rozumn\u011b, v\u017edy\u0165 kdo by necht\u011bl levn\u011bj\u0161\u00ed p\u016fj\u010dky. Banky souhlas\u00ed a\u00a0stejn\u011b tak mlad\u00ed, kte\u0159\u00ed si berou ka\u017ed\u00fd rok nov\u00fd iPhone na leasing. <\/p>\n

Jen\u017ee lid\u00e9 s\u00a0ni\u017e\u0161\u00edmi p\u0159\u00edjmy, kte\u0159\u00ed bankovn\u00ed \u00fav\u011br v\u016fbec nedostanou, mohou p\u0159ij\u00edt i\u00a0o posledn\u00ed leg\u00e1ln\u00ed mo\u017enost, jak si p\u016fj\u010dit. V\u00a0Poradn\u011b p\u0159i finan\u010dn\u00ed t\u00edsni s\u00a0nimi pracujeme ka\u017ed\u00fd den. Necht\u011bj\u00ed luxus ani zbyte\u010dnosti. Pot\u0159ebuj\u00ed si p\u016fj\u010dit na opravu pra\u010dky, auta do pr\u00e1ce nebo zaplatit vy\u00fa\u010dtov\u00e1n\u00ed plynu. Prost\u011b v\u011bci, kter\u00e9 opravdu akutn\u011b mus\u00ed vy\u0159e\u0161it.<\/p>\n

Novela z\u00e1kona o\u00a0spot\u0159ebitelsk\u00e9m \u00fav\u011bru<\/p>\n

Z\u00e1kon by m\u011bl zav\u00e9st horn\u00ed hranici n\u00e1klad\u016f na takov\u00fd \u00fav\u011br. Ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f (RPSN) nebude sm\u011bt p\u0159ekro\u010dit o\u00a0\u010dty\u0159i body \u010dty\u0159n\u00e1sobek repo sazby vyhla\u0161ovan\u00e9 \u010ceskou n\u00e1rodn\u00ed bankou.<\/p>\n

Reklama na tyto \u00fav\u011bry nebude sm\u011bt nazna\u010dovat z\u00e1jemc\u016fm, \u017ee kdy\u017e si p\u016fj\u010d\u00ed pen\u00edze, zlep\u0161\u00ed to jejich finan\u010dn\u00ed situaci. Novelu z\u00e1kona, kter\u00e1 tyto novinky p\u0159in\u00e1\u0161\u00ed, dnes podpo\u0159ila Sn\u011bmovna. P\u0159edloha reaguje na evropskou sm\u011brnici z\u00a0roku 2023\u00a0o\u00a0poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. Podle vl\u00e1dy m\u00e1 zajistit vy\u0161\u0161\u00ed ochranu z\u00e1jemc\u016f o\u00a0\u00fav\u011br.<\/p>\n

Poskytovatel \u00fav\u011bru bude m\u00edt zak\u00e1z\u00e1no p\u0159i posuzov\u00e1n\u00ed \u00fav\u011bruschopnosti klienta vyu\u017e\u00edvat t\u0159eba \u00fadaje z\u00edskan\u00e9 ze soci\u00e1ln\u00edch s\u00edt\u00ed. Stejn\u011b tak bude zak\u00e1z\u00e1no vyu\u017e\u00edvat informace t\u0159eba o\u00a0rasov\u00e9m nebo etnick\u00e9m p\u016fvodu, \u010dlenstv\u00ed v\u00a0odborech nebo t\u0159eba politick\u00fdch n\u00e1zorech.<\/p>\n

Ano, jejich p\u0159\u00edjmy jsou ni\u017e\u0161\u00ed a\u00a0jejich finan\u010dn\u00ed situace je k\u0159eh\u010d\u00ed. To ale neznamen\u00e1, \u017ee nejsou schopn\u00ed spl\u00e1cet a\u00a0mnoz\u00ed z\u00a0nich sv\u00e9 z\u00e1vazky zvl\u00e1daj\u00ed. Ob\u010das sice klop\u00fdtnou, ale rozhodn\u011b nejde o\u00a0lidi, kte\u0159\u00ed by automaticky kon\u010dili v\u00a0dluhov\u00e9 spir\u00e1le. Pokud je n\u011bkdo nepodvede.<\/p>\n

Pr\u00e1v\u011b pro n\u011b dnes existuje segment nebankovn\u00edch \u00fav\u011br\u016f. Pokud st\u00e1t nastav\u00ed cenov\u00fd strop p\u0159\u00edli\u0161 n\u00edzko, \u010d\u00e1st t\u011bchto p\u016fj\u010dek z\u00a0trhu jednodu\u0161e zmiz\u00ed. Poskytovatel\u00e9 p\u0159estanou p\u016fj\u010dovat lidem s\u00a0vy\u0161\u0161\u00edm rizikem, proto\u017ee se jim to u\u017e ekonomicky nevyplat\u00ed. Podle odhad\u016f se to m\u016f\u017ee t\u00fdkat a\u017e 90\u00a0tis\u00edc lid\u00ed.<\/p>\n

Jejich pot\u0159eba financov\u00e1n\u00ed ale nezmiz\u00ed. Pra\u010dka se toti\u017e mus\u00ed opravit a\u00a0auto mus\u00ed jezdit d\u00e1l. Kdy\u017e leg\u00e1ln\u00ed p\u016fj\u010dku nedostanou, p\u016fjdou jinam\u2026 Na soci\u00e1ln\u00ed s\u00edt\u011b, ke zn\u00e1m\u00e9mu zn\u00e1m\u00e9ho, na neleg\u00e1ln\u00ed trh.<\/p>\n

Ten jsme v\u00a0\u010cesku za\u017eili je\u0161t\u011b p\u0159ed \u00fa\u010dinnost\u00ed z\u00e1kona o\u00a0spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Pr\u00e1v\u011b proto st\u00e1t cel\u00fd sektor zp\u0159\u00edsnil a\u00a0zavedl dohled \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Byla by \u0161koda se k\u00a0t\u00e9to situaci vracet.<\/p>\n

<\/a><\/p>\n

Drah\u00e9 \u00fav\u011bry samoz\u0159ejm\u011b nejsou ide\u00e1ln\u00ed. N\u011bkdy ale p\u0159edstavuj\u00ed posledn\u00ed leg\u00e1ln\u00ed mo\u017enost, jak p\u0159eklenout slo\u017eitou \u017eivotn\u00ed situaci. <\/p>\n

Kl\u00ed\u010dov\u00e9 je toti\u017e si uv\u011bdomit, \u017ee pokud tuto mo\u017enost lidem \u00fapln\u011b zav\u0159eme, jejich probl\u00e9my nezmiz\u00ed. Jen je vytla\u010d\u00edme mimo z\u00e1kony, pravidla, ochranu a\u00a0regulovan\u00fd trh. P\u0159itom u\u017e dnes existuje \u0159ada n\u00e1stroj\u016f ochrany spot\u0159ebitel\u016f. Lid\u00e9 mohou vyu\u017e\u00edt oddlu\u017een\u00ed a\u00a0st\u00e1t m\u00e1 mo\u017enost zasahovat proti poskytovatel\u016fm, kte\u0159\u00ed stav\u00ed sv\u016fj byznys na tom, \u017ee klienti nespl\u00e1cej\u00ed.<\/p>\n

Pokud chceme omezit pred\u00e1torsk\u00e9 \u00fav\u011brov\u00e1n\u00ed, je mnohem \u00fa\u010dinn\u011bj\u0161\u00ed d\u016fsledn\u011b kontrolovat posuzov\u00e1n\u00ed \u00fav\u011bruschopnosti. Poskytovatel\u00e9 \u00fav\u011br\u016f mus\u00ed prokazovat, jak hodnot\u00ed p\u0159\u00edjmy, v\u00fddaje a\u00a0z\u00e1vazky klienta. Do posuzov\u00e1n\u00ed bonity by m\u011bly b\u00fdt nap\u0159\u00edklad zahrnuty i\u00a0nespl\u00e1cen\u00e9 z\u00e1vazky \u017eadatel\u016f o\u00a0\u00fav\u011br, kter\u00e9 nelze dohledat v\u00a0registrech. Chystan\u00e1 novela nav\u00edc zav\u00e1d\u00ed takzvan\u00e1 opat\u0159en\u00ed shov\u00edvavosti, tedy povinnost nab\u00eddnout klient\u016fm v\u00a0pot\u00ed\u017e\u00edch nap\u0159\u00edklad odklad spl\u00e1tek nebo jejich sn\u00ed\u017een\u00ed je\u0161t\u011b p\u0159ed zah\u00e1jen\u00edm vym\u00e1h\u00e1n\u00ed. To jsou n\u00e1stroje, kter\u00e9 mohou rizikov\u00e9 klienty skute\u010dn\u011b chr\u00e1nit.<\/p>\n

\u00darokov\u00fd strop m\u016f\u017ee zn\u00edt jako jednoduch\u00e9 \u0159e\u0161en\u00ed. Ve skute\u010dnosti ale lidem s\u00a0nejni\u017e\u0161\u00edmi p\u0159\u00edjmy m\u016f\u017ee zav\u0159\u00edt dve\u0159e k\u00a0leg\u00e1ln\u00edmu financov\u00e1n\u00ed \u00fapln\u011b. A\u00a0otev\u0159e je t\u011bm, kte\u0159\u00ed \u017e\u00e1dn\u00e1 pravidla dodr\u017eovat nemus\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"Poslanci projedn\u00e1vaj\u00ed vl\u00e1dn\u00ed n\u00e1vrh novely z\u00e1kona o\u00a0spot\u0159ebitelsk\u00e9m \u00fav\u011bru. Vl\u00e1da v\u00a0n\u011bm mimo jin\u00e9 navrhuje zastropov\u00e1n\u00ed \u00farok\u016f, aby ochr\u00e1nila lidi…\n","protected":false},"author":2,"featured_media":73327,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[2165,43,42,41,40,648,703,1387,5662],"class_list":{"0":"post-73326","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cesko","8":"tag-ceska-narodni-banka-cnb","9":"tag-ceska-republika","10":"tag-cesko","11":"tag-czech-republic","12":"tag-czechia","13":"tag-dluhy","14":"tag-penize","15":"tag-pujcka","16":"tag-uver"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116505005540064450","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/73326","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=73326"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/73326\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/73327"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=73326"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=73326"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=73326"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}