[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.itech-cz.cz\/nakup-na-splatky-u-nebankovni-spolecnosti\/#Article","mainEntityOfPage":"https:\/\/www.itech-cz.cz\/nakup-na-splatky-u-nebankovni-spolecnosti\/","headline":"N\u00e1kup na spl\u00e1tky u nebankovn\u00ed spole\u010dnosti","name":"N\u00e1kup na spl\u00e1tky u nebankovn\u00ed spole\u010dnosti","description":"Pakli\u017ee budete vyu\u017e\u00edvat n\u00e1kup na spl\u00e1tky bez nav\u00fd\u0161en\u00ed, je to pro v\u00e1s v\u00fdhodn\u00e9 poka\u017ed\u00e9, ov\u0161em mus\u00edte dodr\u017eet spl\u00e1tkov\u00fd kalend\u00e1\u0159, tedy spl\u00e1tky pravideln\u011b platit do p\u0159edepsan\u00e9 lh\u016fty. Z\u00e1le\u017e\u00ed na RPSN Hodnota RPSN m\u016f\u017ee b\u00fdt velice r\u016fzn\u00e1 a pro v\u00e1s je to v\u00a0podstat\u011b z\u00e1sadn\u00ed krit\u00e9rium, zda je n\u00e1kup na spl\u00e1tky v\u00fdhodn\u00fd. Pokud","datePublished":"2018-02-22","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.itech-cz.cz\/author\/#Person","name":"","url":"https:\/\/www.itech-cz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6eaf701939e92690bed32d6f2e2c0f9e1355f2e3837c1fb45fbfacf848239e2d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"itech-cz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.itech-cz.cz\/wp-content\/uploads\/img_a313581_w2577_t1524419159.jpg","url":"https:\/\/www.itech-cz.cz\/wp-content\/uploads\/img_a313581_w2577_t1524419159.jpg","height":0,"width":0},"url":"https:\/\/www.itech-cz.cz\/nakup-na-splatky-u-nebankovni-spolecnosti\/","about":["Online"],"wordCount":416,"articleBody":"Pakli\u017ee budete vyu\u017e\u00edvat n\u00e1kup na spl\u00e1tky bez nav\u00fd\u0161en\u00ed, je to pro v\u00e1s v\u00fdhodn\u00e9 poka\u017ed\u00e9, ov\u0161em mus\u00edte dodr\u017eet spl\u00e1tkov\u00fd kalend\u00e1\u0159, tedy spl\u00e1tky pravideln\u011b platit do p\u0159edepsan\u00e9 lh\u016fty.\tZ\u00e1le\u017e\u00ed na RPSNHodnota RPSN m\u016f\u017ee b\u00fdt velice r\u016fzn\u00e1 a pro v\u00e1s je to v\u00a0podstat\u011b z\u00e1sadn\u00ed krit\u00e9rium, zda je n\u00e1kup na spl\u00e1tky v\u00fdhodn\u00fd. Pokud je RPSN v\u00a0rozmez\u00ed od 0 (nulov\u00e9 nav\u00fd\u0161en\u00ed) a\u017e do 20%, n\u00e1kup na spl\u00e1tky v\u00fdhodn\u00fd je, nebo\u0165 jsou ostatn\u00ed \u00fav\u011brov\u00e9 produkty (nap\u0159. kontokorent nebo \u00fav\u011br z\u00a0kreditn\u00ed karty) \u00faro\u010deny v\u00a0podobn\u00e9 sazb\u011b. U RPSN nad 30% ji\u017e n\u00e1kup na spl\u00e1tky p\u0159est\u00e1v\u00e1 m\u00edt smysl a jde sp\u00ed\u0161 o lichv\u00e1\u0159sk\u00fd p\u0159\u00edstup k\u00a0z\u00e1kazn\u00edkovi.\tN\u00e1kup na spl\u00e1tky nemus\u00ed b\u00fdt v\u017edy lichvaV\u00a0z\u00e1sad\u011b se spl\u00e1tkov\u00fd prodej ned\u00e1 za\u0161katulkovat jen jako dobr\u00fd nebo \u0161patn\u00fd produkt, v\u017edy z\u00e1le\u017e\u00ed na spole\u010dnosti, kter\u00e1 jej poskytuje. P\u0159ed n\u00e1kupem na spl\u00e1tky je doporu\u010deno porovnat nab\u00eddky nebankovn\u00edch spole\u010dnost\u00ed mezi sebou a ur\u010ditou z\u00e1rukou je i doba p\u016fsoben\u00ed na trhu. Nap\u0159. Cetelem nebo Home Credit ji\u017e prod\u00e1vaj\u00ed na spl\u00e1tky v\u00edce ne\u017e patn\u00e1ct let, co\u017e dokazuje i \u0159ada spokojen\u00fdch z\u00e1kazn\u00edk\u016f. Ka\u017edop\u00e1dn\u011b je n\u00e1kup na spl\u00e1tky, krom\u011b ak\u010dn\u00edho nulov\u00e9ho nav\u00fd\u0161en\u00ed, v\u017edy slu\u017ebou, na kter\u00e9 spole\u010dnost vyd\u011bl\u00e1v\u00e1 a klient prod\u011bl\u00e1v\u00e1. A klient se mus\u00ed rozhodnout, zda je pro n\u011bj p\u0159ijateln\u00e9 chv\u00edli pose\u010dkat a zbo\u017e\u00ed pak zakoupit v\u00a0hotovosti za v\u00fdhodnou cenu, nebo zda jej u\u017e\u00edvat ihned a zaplatit v\u00edc v\u00a0m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch.V\u00a0\u010cesk\u00e9 republice na trhu operuje prozat\u00edm jen n\u011bkolik nebankovn\u00edch gigant\u016f. N\u011bkdo to pova\u017euje za nev\u00fdhodn\u00e9 z\u00a0hlediska mal\u00e9ho v\u00fdb\u011bru, n\u011bkdo naopak za optim\u00e1ln\u00ed, proto\u017ee nemus\u00ed porovn\u00e1vat des\u00edtky nab\u00eddek mezi sebou.Do roku 2004 bylo mo\u017eno nakoupit na spl\u00e1tky jen u spole\u010dnosti Cetelem a Home Credit. K\u00a0t\u011bmto dv\u011bma spole\u010dnostem se pak p\u0159idal GE Money Multiservis a v\u00a0sou\u010dasn\u00e9 dob\u011b je na trhu je\u0161t\u011b Essox a n\u011bkter\u00e9 banky prost\u0159ednictv\u00edm \u00fav\u011brov\u00fdch karet, co\u017e je nap\u0159. Citibank.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00e1kup na spl\u00e1tky u nebankovn\u00ed spole\u010dnosti","item":"https:\/\/www.itech-cz.cz\/nakup-na-splatky-u-nebankovni-spolecnosti\/#breadcrumbitem"}]}]