[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.arnnex.cz\/cist-pozorne-smlouvu-se-vzdy-vyplati\/#Article","mainEntityOfPage":"https:\/\/www.arnnex.cz\/cist-pozorne-smlouvu-se-vzdy-vyplati\/","headline":"\u010c\u00edst pozorn\u011b smlouvu se v\u017edy vyplat\u00ed","name":"\u010c\u00edst pozorn\u011b smlouvu se v\u017edy vyplat\u00ed","description":"Finan\u010dn\u00ed probl\u00e9my mohou postihnout kohokoliv. Samoz\u0159ejm\u011b v prvn\u00ed \u0159ad\u011b v\u00e1s napadne nav\u0161t\u00edvit banku a s n\u00ed dojednat mo\u017en\u00e9 podm\u00ednky pro zap\u016fj\u010den\u00ed finan\u010dn\u00edho obnosu. Mnoho lid\u00ed ale po\u0159\u00e1dn\u011b ani smlouvu ne\u010dte, jeliko\u017e se domn\u00edv\u00e1, \u017ee banka p\u0159ece nepat\u0159\u00ed mezi lichv\u00e1\u0159e a sv\u00fdch klient\u016f si pova\u017euje. Tak rozhodn\u011b je dobr\u00e9 si nepl\u00e9st p\u00e9\u010di o z\u00e1kazn\u00edka neboli klienta &hellip; <div class=\"link-more\"><a href=\"https:\/\/www.arnnex.cz\/cist-pozorne-smlouvu-se-vzdy-vyplati\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> \"\u010c\u00edst pozorn\u011b smlouvu se v\u017edy vyplat\u00ed\"<\/span><\/a><\/div>","datePublished":"2018-09-19","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.arnnex.cz\/author\/#Person","name":"","url":"https:\/\/www.arnnex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f3f77307dfb7a1a6ad06d8ef95ed6ed296a0507575d3814dc8c8630c3a7fa477?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f3f77307dfb7a1a6ad06d8ef95ed6ed296a0507575d3814dc8c8630c3a7fa477?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"arnnex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.arnnex.cz\/wp-content\/uploads\/img_a330085_w1765_t1542645935.jpg","url":"https:\/\/www.arnnex.cz\/wp-content\/uploads\/img_a330085_w1765_t1542645935.jpg","height":0,"width":0},"url":"https:\/\/www.arnnex.cz\/cist-pozorne-smlouvu-se-vzdy-vyplati\/","about":["Www"],"wordCount":440,"articleBody":"        Finan\u010dn\u00ed probl\u00e9my mohou postihnout kohokoliv. Samoz\u0159ejm\u011b v prvn\u00ed \u0159ad\u011b v\u00e1s napadne nav\u0161t\u00edvit banku a s n\u00ed dojednat mo\u017en\u00e9 podm\u00ednky pro zap\u016fj\u010den\u00ed finan\u010dn\u00edho obnosu. Mnoho lid\u00ed ale po\u0159\u00e1dn\u011b ani smlouvu ne\u010dte, jeliko\u017e se domn\u00edv\u00e1, \u017ee banka p\u0159ece nepat\u0159\u00ed mezi lichv\u00e1\u0159e a sv\u00fdch klient\u016f si pova\u017euje. Tak rozhodn\u011b je dobr\u00e9 si nepl\u00e9st p\u00e9\u010di o z\u00e1kazn\u00edka neboli klienta s poskytovan\u00fdm produktem. Nav\u00edc ka\u017ed\u00fd produkt m\u00e1 stanoven\u00e9 ur\u010dit\u00e9 podm\u00ednky a ty jsou pr\u00e1v\u011b obsa\u017eeny ve smlouv\u011b, kterou uzav\u00edr\u00e1te. Pokud se s nimi dostate\u010dn\u011b nesezn\u00e1m\u00edte, m\u016f\u017ee v\u00e1s snadno zasko\u010dit cokoliv, na co jste nebyli dostate\u010dn\u011b p\u0159ipraveni. Podepsan\u00e1 smlouva je toti\u017e souhlas se v\u0161\u00edm, na \u010dem jste se s v\u011b\u0159itelem dohodli.  Ka\u017ed\u00e1 zkratka m\u00e1 sv\u016fj v\u00fdznam Pokud ve smlouv\u011b najdete jakoukoliv zkratku a nev\u00edte, co znamen\u00e1, tak ji nemus\u00edte p\u0159ech\u00e1zet s t\u00edm, \u017ee to nebude nic tak d\u016fle\u017eit\u00e9ho, p\u0159ece by v\u00e1s na to n\u011bkdo upozornil. Ka\u017ed\u00e9 p\u00edsmenko, jako nap\u0159\u00edklad uv\u00e1d\u00ed https:\/\/www.fahd.cz\/p-m\/, m\u00e1 sv\u016fj v\u00fdznam i d\u016fle\u017eitou roli. I kdyby bylo napsan\u00e9 n\u011bkde \u00fapln\u011b dole pod \u010darou a to nejmen\u0161\u00edm p\u00edsmem. D\u016fle\u017eit\u00e9 je si dob\u0159e pro\u010d\u00edst i r\u016fzn\u011b stanoven\u00e9 sankce a p\u0159ekvapit v\u00e1s m\u016f\u017ee dokonce i zaslan\u00e1 upom\u00ednka, \u017ee jste se zpozdili s platbou.  Nej\u010dast\u011bj\u0161\u00ed zkratky ve smlouv\u011b: p.a. &#8211; per annum, vyzna\u010duje v\u00fd\u0161i \u00faroku za 1 rok p.m. &#8211; per mensem, \u00farokov\u00e1 sazba za 1 m\u011bs\u00edc  RPSN &#8211; je ro\u010dn\u00ed procentu\u00e1ln\u00ed sazba n\u00e1klad\u016f za \u00fav\u011br, \u010di p\u016fj\u010dku. RPSN je v\u017edy vy\u0161\u0161\u00ed, ne\u017e samotn\u00e1 \u00farokov\u00e1 sazba. Nen\u00ed divu, je zde obsa\u017een p.a. a dal\u0161\u00ed poplatky a v\u00fddaje spojen\u00e9 s \u00fav\u011brem, to znamen\u00e1 nap\u0159\u00edklad za poskytnut\u00ed p\u016fj\u010dky nebo spr\u00e1vu samotn\u00e9ho \u00fa\u010dtu. To si ale vy nestanovujete, a proto je tato zkratka d\u016fle\u017eitou informac\u00ed. M\u016f\u017eete se rovnou zeptat finan\u010dn\u00edho poradce, co je v t\u00e9to zkratce v\u0161e obsa\u017eeno, za to vlastn\u011b budete platit. Podle tohoto \u00fadaje se lze rozhodnout, zdali je p\u016fj\u010dka skute\u010dn\u011b v\u00fdhodn\u00e1, jak ji poskytovatel prezentuje nebo bude lep\u0161\u00ed vyhledat jinou spole\u010dnost. Nemus\u00edte se ob\u00e1vat od\u0159\u00edct nev\u00fdhodnou smlouvu, konec konc\u016f jsou to va\u0161e pen\u00edze, kter\u00e9 budete spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u010c\u00edst pozorn\u011b smlouvu se v\u017edy vyplat\u00ed","item":"https:\/\/www.arnnex.cz\/cist-pozorne-smlouvu-se-vzdy-vyplati\/#breadcrumbitem"}]}]