[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.humyo.cz\/jek-je-to-s-upominkami-za-opozdene-uverove-splatky\/#Article","mainEntityOfPage":"https:\/\/www.humyo.cz\/jek-je-to-s-upominkami-za-opozdene-uverove-splatky\/","headline":"Jek je to s upom\u00ednkami za opo\u017ed\u011bn\u00e9 \u00fav\u011brov\u00e9 spl\u00e1tky","name":"Jek je to s upom\u00ednkami za opo\u017ed\u011bn\u00e9 \u00fav\u011brov\u00e9 spl\u00e1tky","description":"Od prosince 2016 plat\u00ed novelizovan\u00fd z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, jeho\u017e c\u00edlem bylo ochr\u00e1nit p\u0159edev\u0161\u00edm z\u00e1kazn\u00edky p\u0159ed praktikami n\u011bkter\u00fdch lichv\u00e1\u0159\u016f. Lid\u00e9 se zkr\u00e1tka d\u011bl\u00ed na slu\u0161n\u00e9 a vypo\u010d\u00edtav\u00e9, a tak na to mus\u00ed pamatovat ur\u010dit\u00e1 pravidla. Bohu\u017eel ani z\u00e1kon n\u011bkter\u00e9 z n\u00e1s p\u0159\u00edli\u0161 neomezuje, zvl\u00e1\u0161\u0165, je-li definov\u00e1n nedosta\u010duj\u00edc\u00edm zp\u016fsobem. \u00daprava v\u00fd\u0161e smluvn\u00edch pokut Zmi\u0148ovan\u00e1 legislativa se…","datePublished":"2018-04-24","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.humyo.cz\/author\/#Person","name":"","url":"https:\/\/www.humyo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"humyo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.humyo.cz\/wp-content\/uploads\/img_a316106_w1890_t1527066732.jpg","url":"https:\/\/www.humyo.cz\/wp-content\/uploads\/img_a316106_w1890_t1527066732.jpg","height":0,"width":0},"url":"https:\/\/www.humyo.cz\/jek-je-to-s-upominkami-za-opozdene-uverove-splatky\/","about":["Pen\u00edze"],"wordCount":442,"articleBody":"        Od prosince 2016 plat\u00ed novelizovan\u00fd z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru, jeho\u017e c\u00edlem bylo ochr\u00e1nit p\u0159edev\u0161\u00edm z\u00e1kazn\u00edky p\u0159ed praktikami n\u011bkter\u00fdch lichv\u00e1\u0159\u016f. Lid\u00e9 se zkr\u00e1tka d\u011bl\u00ed na slu\u0161n\u00e9 a vypo\u010d\u00edtav\u00e9, a tak na to mus\u00ed pamatovat ur\u010dit\u00e1 pravidla. Bohu\u017eel ani z\u00e1kon n\u011bkter\u00e9 z n\u00e1s p\u0159\u00edli\u0161 neomezuje, zvl\u00e1\u0161\u0165, je-li definov\u00e1n nedosta\u010duj\u00edc\u00edm zp\u016fsobem. \u00daprava v\u00fd\u0161e smluvn\u00edch pokut Zmi\u0148ovan\u00e1 legislativa se nyn\u00ed op\u00edr\u00e1 o evropsk\u00e9 unijn\u00ed struktury a upravuje maxim\u00e1ln\u00ed hodnotu smluvn\u011b zakotven\u00fdch pokut, jak\u00e9 m\u016f\u017ee v\u011b\u0159itel na dlu\u017en\u00edka uvalit. Z\u00e1kon stanov\u00ed za horn\u00ed hranici desetinu procenta dlu\u017en\u00e9 spl\u00e1tky za ka\u017ed\u00fd den prodlen\u00ed. Z\u00e1rove\u0148 nesm\u00ed v\u0161echny pokuty v souhrnu p\u0159ekro\u010dit polovinu jistiny (max. 200 tis. K\u010d.) Jak se d\u00e1 z\u00e1kon obej\u00edt Toto opat\u0159en\u00ed sice zabr\u00e1nilo n\u011bkter\u00fdm lichv\u00e1\u0159\u016fm inkasovat tu\u010dn\u00e9 sumy, ov\u0161em z\u00e1kon se d\u00e1 snadno obej\u00edt. Ten toti\u017e nepamatuje na inkasov\u00e1n\u00ed plateb za upom\u00ednky, a t\u011bch je mo\u017eno na\u00fa\u010dtovat libovoln\u00e9 mno\u017estv\u00ed po v\u016fli v\u011b\u0159itele, a z\u00e1rove\u0148 s t\u00edm i v\u00fd\u0161i jejich poplatk\u016f. Z\u00e1konod\u00e1rci tuto novelizaci vytvo\u0159ili p\u0159edev\u0161\u00edm kv\u016fli nebankovn\u00edm spole\u010dnostem, jejich\u017e ro\u010dn\u00ed obrat jde v \u010cesk\u00e9 republice do stovek miliard K\u010d a nyn\u00ed bude na trh dohl\u00ed\u017eet \u010cesk\u00e1 n\u00e1rodn\u00ed banka, co\u017e by ve v\u00fdsledku m\u011bl uv\u00edtat p\u0159edev\u0161\u00edm spot\u0159ebitel. Pro nebankovn\u00ed spole\u010dnosti nyn\u00ed plat\u00ed stejn\u00e1 pravidla, jako pro banky. Nen\u00ed banka jako banka Z\u00e1kon zac\u00edlil p\u0159edev\u0161\u00edm na neseri\u00f3zn\u00ed nebankovn\u00ed trh, ale co banky? Nenechte se m\u00e1st jistotou, \u017ee co banka, to kvalita. V\u017edy z\u00e1le\u017e\u00ed na p\u0159\u00edstupu jejich \u00fa\u0159edn\u00edk\u016f a na intern\u00edch pravidlech, a t\u00edm p\u00e1dem tak\u00e9 na vst\u0159\u00edcn\u00e9m p\u0159\u00edstupu k z\u00e1kazn\u00edkovi. V t\u00e9m\u017ee roce, kdy ve\u0161el tento novelizovan\u00fd z\u00e1kon v platnost, jist\u00e1 nejmenovan\u00e1 banka za upom\u00ednku https:\/\/www.fahd.cz\/upominka\/ jedn\u00e9 ze spl\u00e1tek inkasovala od jednoho z dlu\u017en\u00edk\u016f poplatek 500 korun a k n\u011bmu si nav\u00edc p\u0159ipo\u010detla nesmysln\u00e9 a nehor\u00e1zn\u00e9 poplatky za zt\u00ed\u017een\u00e9 doru\u010den\u00ed obs\u00edlky s upom\u00ednkou. Jestli\u017ee n\u011bkter\u00fd z v\u011b\u0159itel\u016f postupuje v\u016f\u010di z\u00e1kazn\u00edkovi t\u00edmto zp\u016fsobem, na\u0161t\u011bst\u00ed je mo\u017en\u00e9 situaci \u0159e\u0161it refinancov\u00e1n\u00edm st\u00e1vaj\u00edc\u00edch p\u016fj\u010dek u konkuren\u010dn\u00edch firem.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jek je to s upom\u00ednkami za opo\u017ed\u011bn\u00e9 \u00fav\u011brov\u00e9 spl\u00e1tky","item":"https:\/\/www.humyo.cz\/jek-je-to-s-upominkami-za-opozdene-uverove-splatky\/#breadcrumbitem"}]}]