[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/nakup-na-splatky-bez-uroku\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/nakup-na-splatky-bez-uroku\/","headline":"N\u00e1kup na spl\u00e1tky bez \u00faroku","name":"N\u00e1kup na spl\u00e1tky bez \u00faroku","description":"Ur\u010dit\u011b zn\u00e1te situaci, kdy jste nap\u0159\u00edklad v elektru a vid\u00edte pouta\u010de, a\u0165 si nakoup\u00edte na spl\u00e1tky bez nav\u00fd\u0161en\u00ed, nebo bez \u00faroku. Mysl\u00edte si, \u017ee to tak je? Samoz\u0159ejm\u011b jako k\u00e1\u017ed\u00e1 p\u016fj\u010dka, nebo n\u00e1kup na spl\u00e1tky mus\u00ed tato \u017e\u00e1dost proj\u00edt schvalov\u00e1n\u00edm. U takov\u00e9 nab\u00eddky je v\u011bt\u0161inou pevn\u011b stanovena doba splatnosti, nap\u0159. 12, 24 m\u011bs\u00edc\u016f. N\u00e1sledn\u011b se …

N\u00e1kup na spl\u00e1tky bez \u00faroku<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2021-06-27","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a309569_w1729_t1520503239.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a309569_w1729_t1520503239.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/nakup-na-splatky-bez-uroku\/","about":["P\u016fj\u010dky"],"wordCount":490,"articleBody":"Ur\u010dit\u011b zn\u00e1te situaci, kdy jste nap\u0159\u00edklad v elektru a vid\u00edte pouta\u010de, a\u0165 si nakoup\u00edte na spl\u00e1tky bez nav\u00fd\u0161en\u00ed, nebo bez \u00faroku. Mysl\u00edte si, \u017ee to tak je? Samoz\u0159ejm\u011b jako k\u00e1\u017ed\u00e1 p\u016fj\u010dka, nebo n\u00e1kup na spl\u00e1tky mus\u00ed tato \u017e\u00e1dost proj\u00edt schvalov\u00e1n\u00edm. U takov\u00e9 nab\u00eddky je v\u011bt\u0161inou pevn\u011b stanovena doba splatnosti, nap\u0159. 12, 24 m\u011bs\u00edc\u016f. N\u00e1sledn\u011b se cena zbo\u017e\u00ed rozlo\u017e\u00ed na spl\u00e1tky, kter\u00e9 spl\u00e1c\u00edte n\u011bjak\u00e9 konkr\u00e9tn\u00ed finan\u010dn\u00ed spole\u010dnosti (m\u016f\u017ee b\u00fdt bankovn\u00ed i nebankovn\u00ed). Spl\u00e1cet samoz\u0159ejm\u011b m\u016f\u017eete dle domluvy slo\u017eenkou, nebo p\u0159evodem na jejich \u00fa\u010det, p\u0159\u00edpadn\u011b trval\u00fdm p\u0159\u00edkazem.\u010casto se tak\u00e9 stane, \u017ee k takov\u00e9mu n\u00e1kupu na spl\u00e1tky dostanete po n\u011bjak\u00e9 dob\u011b (pokud \u0159\u00e1dn\u011b spl\u00e1c\u00edte) kreditn\u00ed kartu. Samoz\u0159ejm\u011b, \u017ee ji nemus\u00edte aktivovat a vyu\u017e\u00edvat, ale p\u0159iznejme si, mnoho lid\u00ed vyu\u017eije a m\u016f\u017ee se velice rychle dostat do spl\u00e1cen\u00ed s \u00faroky. Tedy finan\u010dn\u00ed spole\u010dnosti se to vyplat\u00ed a dostane od \u010dlov\u011bka dal\u0161\u00ed pen\u00edze. Pozor na to, \u017ee pokud si kreditn\u00ed kartu neaktivujete, st\u00e1le ji m\u00e1te na sebe vedenou – aktivace toti\u017e neznamen\u00e1, \u017ee je zru\u0161ena. Jak to tedy je? Pamatujte na to, \u017ee nic nen\u00ed zadarmo. Je zde jeden podstatn\u00fd h\u00e1\u010dek – v\u011bt\u0161inou toti\u017e obchodn\u00edkovi plat\u00edte jednu spl\u00e1tku, pokud si zbo\u017e\u00ed kupujete na tyto spl\u00e1tky. A v tom je ten h\u00e1\u010dek. \u010clov\u011bk tedy jednu spl\u00e1tku p\u0159eplat\u00ed – proto\u017ee obchodn\u00edk nem\u00e1 nic spole\u010dn\u00e9ho s poskytovatelem n\u00e1kupu na spl\u00e1tky a to, co zaplat\u00edte v obchod\u011b se nezapo\u010d\u00edt\u00e1v\u00e1 do spl\u00e1tek. \u010casto se lid\u00e9 potom roz\u010diluj\u00ed, \u017ee to nen\u00ed zadarmo, nen\u00ed to p\u0159ece bez \u00faroku – a maj\u00ed pravdu. Je pot\u0159eba se pod\u00edvat, jak\u00e9 je tam  RPSN (ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f), co\u017e je d\u016fle\u017eit\u00fd ukazatel. Ne\u017e tedy podep\u00ed\u0161ete, ur\u010dit\u011b se pod\u00edvejte, co je naps\u00e1no mal\u00fdm p\u00edsmem. Zjist\u011bte si tak\u00e9 u jak\u00e9 spole\u010dnosti v\u016fbec podepisujete takov\u00fd n\u00e1kup na spl\u00e1tky. Prodava\u010d ve snaze vyd\u011blat si na bonusech kolikr\u00e1t opravdu zaml\u010d\u00ed d\u016fle\u017eit\u00e9 v\u011bci, ale potom se to velice slo\u017eit\u011b dokazuje.  Je na smlouv\u011b podpis? Podpis tam je a tedy je jen na konkr\u00e9tn\u00ed v\u016fli \u010dlov\u011bka, aby si v\u0161e p\u0159e\u010detl. K podpisu nikdo nikoho donutit nem\u016f\u017ee. V dne\u0161n\u00ed dob\u011b jsou i toto marketingov\u00e9 tah\u00e1ky. Je pot\u0159eba si tak\u00e9 uv\u011bdomit, \u017ee st\u00e1le budete spl\u00e1cet – je to dal\u0161\u00ed \u010d\u00e1stka do rozpo\u010dtu s kterou mus\u00edte po\u010d\u00edtat. V\u017edy si dob\u0159e rozmyslete, jestli si rad\u0161i na\u0161et\u0159it, nebo koupit na spl\u00e1tky. "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00e1kup na spl\u00e1tky bez \u00faroku","item":"https:\/\/www.zerba.cz\/nakup-na-splatky-bez-uroku\/#breadcrumbitem"}]}]