{"id":1209,"date":"2019-12-14T09:00:00","date_gmt":"2019-12-14T08:00:00","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1209"},"modified":"2025-10-08T13:05:37","modified_gmt":"2025-10-08T11:05:37","slug":"nakupy-na-splatky-bez-navyseni-jak-se-nenachytat","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/nakupy-na-splatky-bez-navyseni-jak-se-nenachytat\/","title":{"rendered":"N\u00e1kupy na spl\u00e1tky bez nav\u00fd\u0161en\u00ed: Jak se p\u0159i v\u00fdb\u011bru nenachytat?"},"content":{"rendered":"\n

RPSN mus\u00ed b\u00fdt 0 %<\/strong><\/h2>\n\n\n\n

Pokud se obchod chlub\u00ed spl\u00e1tkami s nulov\u00fdm \u00farokem, nemus\u00ed to nutn\u011b znamenat, \u017ee za zbo\u017e\u00ed zaplat\u00edte stejn\u011b jako p\u0159i p\u0159\u00edm\u00e9m prodeji. Krom\u011b \u00farokov\u00e9 sazby je t\u0159eba sledovat tak\u00e9 v\u00fd\u0161i RPSN<\/a><\/strong>, kter\u00e1 je sm\u011brodatn\u011bj\u0161\u00ed. RPSN<\/a> toti\u017e krom\u011b \u00farok\u016f zahrnuje i v\u0161echny poplatky a p\u0159\u00edpadn\u00e9 dal\u0161\u00ed n\u00e1klady spojen\u00e9 s p\u016fj\u010dkou<\/a>. A n\u00e1kup na spl\u00e1tky<\/a> je jedn\u00edm z typ\u016f \u00fa\u010delov\u00e9ho spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, tedy p\u016fj\u010dky<\/a>.<\/p>\n\n\n

\n
\"\u00dav\u011brov\u00e1
Ka\u017edou \u00fav\u011brovou smlouvu si d\u016fkladn\u011b p\u0159e\u010dt\u011bte. Rad\u011bji dvakr\u00e1t.<\/figcaption><\/figure>\n<\/div>\n\n\n

Proto si, ne\u017e nakoup\u00edte, dob\u0159e prostudujte \u00fav\u011brovou smlouvu. Pokud se RPSN nerovn\u00e1 nule, nejde o n\u00e1kup na spl\u00e1tky<\/a> bez nav\u00fd\u0161en\u00ed<\/strong>. To si ostatn\u011b m\u016f\u017eete ov\u011b\u0159it i jednoduch\u00fdm v\u00fdpo\u010dtem<\/strong> \u2013 vyn\u00e1sob\u00edte-li v\u00fd\u0161i jedn\u00e9 spl\u00e1tky po\u010dtem m\u011bs\u00edc\u016f, kter\u00e9 budete spl\u00e1cet, m\u011bla by v\u00e1m vyj\u00edt stejn\u00e1 \u010d\u00e1stka jako je aktu\u00e1ln\u00ed cena dan\u00e9ho zbo\u017e\u00ed v obchod\u011b. Jakmile je v\u00e1\u0161 v\u00fdpo\u010det vy\u0161\u0161\u00ed, jsou sou\u010d\u00e1st\u00ed \u00fav\u011bru dal\u0161\u00ed poplatky, kter\u00fdmi se obchodn\u00edk \u2013 na rozd\u00edl od nulov\u00fdch \u00farok\u016f \u2013 nechlub\u00ed.<\/p>\n\n\n

TIP!<\/div>
Men\u0161\u00ed n\u00e1kupy zvl\u00e1dnete i bez zadlu\u017eov\u00e1n\u00ed. Otestujte odlo\u017eenou platbu. <\/a><\/b><\/div><\/div>\n\n\n\n

Na zpo\u017ed\u011bn\u00ed platby rovnou zapome\u0148te<\/strong><\/h2>\n\n\n\n

Podobn\u011b jako u jin\u00fdch \u00fav\u011brov\u00fdch produkt\u016f i u spl\u00e1tkov\u00e9ho prodeje plat\u00ed, \u017ee v\u00fdhody z\u00edsk\u00e1te pouze v p\u0159\u00edpad\u011b, \u017ee budete ve v\u0161ech ohledech vzorn\u00fdm dlu\u017en\u00edkem<\/strong>. To znamen\u00e1, \u017ee pokud se nap\u0159\u00edklad zpozd\u00edte se spl\u00e1tkou, by\u0165 o jeden den, m\u016f\u017eete o v\u00fdhodn\u00e9 podm\u00ednky p\u0159ij\u00edt, a nav\u00edc si vykoledovat vysok\u00fd sank\u010dn\u00ed poplatek za prodlen\u00ed. <\/p>\n\n\n\n

To, jak\u00fdm zp\u016fsobem bude \u00fav\u011brov\u00e1 spole\u010dnost postupovat v p\u0159\u00edpad\u011b dlu\u017en\u00edkovy \u201eneposlu\u0161nosti\u201c, je samoz\u0159ejm\u011b pops\u00e1no ve smlouv\u011b o p\u016fj\u010dce. A co je ps\u00e1no, to je d\u00e1no, tak\u017ee pokud v\u00e1s zasko\u010d\u00ed sankce za opo\u017ed\u011bnou spl\u00e1tku, nezbude v\u00e1m, ne\u017e ji pokorn\u011b uhradit. Ned\u016fslednost ve spl\u00e1cen\u00ed pro v\u00e1s nav\u00edc m\u016f\u017ee v krajn\u00edm p\u0159\u00edpad\u011b znamenat i negativn\u00ed z\u00e1pis do bankovn\u00edch a nebankovn\u00edch registr\u016f<\/strong>. Zapomenut\u00e1 spl\u00e1tka v\u00e1m pak m\u016f\u017ee zkomplikovat \u017eivot, pokud budete \u017e\u00e1dat o jinou p\u016fj\u010dku nebo nap\u0159\u00edklad hypot\u00e9ku.<\/p>\n\n\n

TIP!<\/div>
Vyzkou\u0161ejte platebn\u00ed metodu Skip Pay a odlo\u017ete si platbu a\u017e o 30 dn\u00ed zdarma. Sta\u010d\u00ed se jen zaregistrovat. <\/a><\/b><\/div><\/div>\n\n\n\n

Ani koruna nav\u00edc, ale bez poji\u0161t\u011bn\u00ed<\/strong><\/h2>\n\n\n\n

Aby v\u00e1m \u00fav\u011brov\u00e1 spole\u010dnost mohla nab\u00eddnout n\u00e1kup na spl\u00e1tky bez nav\u00fd\u0161en\u00ed, mus\u00ed i na sv\u00e9 stran\u011b maxim\u00e1ln\u011b osekat n\u00e1klady, se kter\u00fdmi pro ni bude v\u00e1\u0161 \u00fav\u011br spojen\u00fd. To \u010dasto znamen\u00e1, \u017ee sice za zbo\u017e\u00ed nezaplat\u00edte ani korunu nav\u00edc, ov\u0161em za cenu, \u017ee sou\u010d\u00e1st\u00ed \u00fav\u011brov\u00e9 smlouvy nebude poji\u0161t\u011bn\u00ed schopnosti \u00fav\u011br spl\u00e1cet<\/strong>, kter\u00e9 dlu\u017en\u00edka chr\u00e1n\u00ed v p\u0159\u00edpad\u011b nep\u0159\u00edzniv\u00e9 \u017eivotn\u00ed situace, jako je t\u0159eba ztr\u00e1ta zam\u011bstn\u00e1n\u00ed nebo dlouhodob\u00e9 onemocn\u011bn\u00ed.<\/p>\n\n\n

\n
\"Spl\u00e1tkov\u00fd
Poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet v\u00e1m bude kr\u00fdt z\u00e1da.<\/figcaption><\/figure>\n<\/div>\n\n\n

Rozhodnut\u00ed je na v\u00e1s \u2013 pokud se jedn\u00e1 o drobn\u00fd \u00fav\u011br na p\u00e1r m\u011bs\u00edc\u016f se spl\u00e1tkami, kter\u00e9 budete schopni v p\u0159\u00edpad\u011b nouze uhradit z vlastn\u00edch \u00faspor, pravd\u011bpodobn\u011b se bez poji\u0161t\u011bn\u00ed obejdete. Nakoupit na spl\u00e1tky ale m\u016f\u017eete i za statis\u00edce a v takov\u00e9m p\u0159\u00edpad\u011b se vyplat\u00ed realisticky myslet na zadn\u00ed vr\u00e1tka<\/strong>, respektive poji\u0161t\u011bn\u00ed, kter\u00e9 v\u00e1s podr\u017e\u00ed, kdyby v\u00e1s potkaly t\u011b\u017ekosti. Ov\u0161em za cenu, \u017ee si za n\u011bj p\u0159iplat\u00edte, ani\u017e byste v\u011bd\u011bli, jestli ho vyu\u017eijete, nebo ne. Nejen z tohoto d\u016fvodu je rozumn\u00e9 ne\u017e\u00edt od v\u00fdplaty k v\u00fdplat\u011b, ale m\u00edt na\u0161et\u0159en\u00fd finan\u010dn\u00ed pol\u0161t\u00e1\u0159 ve v\u00fd\u0161i alespo\u0148 t\u0159\u00ed m\u011bs\u00ed\u010dn\u00edch plat\u016f pro p\u0159\u00edpad nouze.<\/p>\n\n\n\n

Drobn\u00e9 elektro na spl\u00e1tky: Co v\u00e1m obchodn\u00edci nab\u00eddnou?<\/strong><\/h2>\n\n\n\n

Abychom si ov\u011b\u0159ili, jak si \u010de\u0161t\u00ed obchodn\u00edci, pokud jde o prodej na spl\u00e1tky stoj\u00ed, rozhodli jsme se v n\u011bkolika e-shopech, kter\u00e9 aktu\u00e1ln\u011b nab\u00edzej\u00ed n\u00e1kup na spl\u00e1tky bez nav\u00fd\u0161en\u00ed, prov\u00e9st fiktivn\u00ed n\u00e1kup mix\u00e9ru ETA Vital Blend Mini<\/strong>. Vzhledem k tomu, \u017ee se jeho cena pohybuje okolo 3 000 K\u010d, usoudili jsme, \u017ee bychom ho r\u00e1di splatili b\u011bhem jednoho roku. Mrkn\u011bte, co jsme zjistili:<\/p>\n\n\n\n

Euronics<\/h3>\n\n\n\n

E-shop Euronics nab\u00edz\u00ed ve spolupr\u00e1ci s Hello bank od 11. do 14. prosince n\u00e1kup bez hotovosti a spl\u00e1cen\u00ed bez nav\u00fd\u0161en\u00ed. Kdy\u017e si s mix\u00e9rem za 2 999 K\u010d v ko\u0161\u00edku vybereme mo\u017enost \u201eBez nav\u00fd\u0161en\u00ed 0% + 10 x 10%\u201c<\/strong>, zjist\u00edme, \u017ee v obchod\u011b skute\u010dn\u011b nezaplat\u00edme ani korunu a produkt pak uhrad\u00edme prost\u0159ednictv\u00edm 10 spl\u00e1tek, kter\u00e9 v sou\u010dtu daj\u00ed 2 990 K\u010d, tedy o 9 K\u010d m\u00e9n\u011b, ne\u017e jak\u00e1 je cena produktu. Ov\u0161em pouze za p\u0159edpokladu, \u017ee si vybereme \u00fav\u011br bez poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet. Poji\u0161t\u011bn\u00ed SOUBOR MASTER zvedne celkovou splatnou \u010d\u00e1stku na 3 130 K\u010d a SOUBOR MASTER PLUS na 3 620 K\u010d. <\/p>\n\n\n

\n
\"Euronics
Zdroj: Euronics.cz<\/figcaption><\/figure>\n<\/div>\n\n\n

T.S.BOHEMIA<\/strong><\/h3>\n\n\n\n

Tento e-shop mix\u00e9r nab\u00edz\u00ed o 1 000 K\u010d dr\u00e1\u017e ne\u017e p\u0159edchoz\u00ed Euronics. A\u010dkoliv tak\u00e9 slibuje n\u00e1kup na spl\u00e1tky bez nav\u00fd\u0161en\u00ed realizovan\u00fd rovn\u011b\u017e ve spolupr\u00e1ci s Hello bank, i v tomto p\u0159\u00edpad\u011b jsme objevili drobnou nesrovnalost. Vybrali jsme mo\u017enost \u201e10 x 400 K\u010d\u201c<\/strong>. To znamen\u00e1, \u017ee nam\u00edsto 3 999 K\u010d splat\u00edme 4 000 K\u010d, \u00farokov\u00e1 sazba \u010din\u00ed 0,05 % a RPSN 0,1 %. Korunov\u00fd rozd\u00edl pravd\u011bpodobn\u011b vznikl kv\u016fli zaokrouhlen\u00ed spl\u00e1tek. Rozd\u00edl je tedy zanedbateln\u00fd, ale o spl\u00e1tky bez nav\u00fd\u0161en\u00ed se, pokud bychom cht\u011bli b\u00fdt opravdu d\u016fsledn\u00ed, tak\u00e9 nejedn\u00e1.<\/p>\n\n\n

\n
\"TS
Zdroj: Tsbohemia.cz<\/figcaption><\/figure>\n<\/div>\n\n\n

Datart<\/strong><\/h3>\n\n\n\n

Podobn\u00e1 situace jako v p\u0159\u00edpad\u011b Euronics vznikla i v e-shopu Datart, kter\u00fd mix\u00e9r prod\u00e1v\u00e1 za 2 999 K\u010d. Kdy\u017e jsme si vybrali mo\u017enost financov\u00e1n\u00ed na spl\u00e1tky s Hello bank, a to konkr\u00e9tn\u011b mo\u017enost \u201e0% spl\u00e1tky bez nav\u00fd\u0161en\u00ed (0 K\u010d + 10 x 10)\u201c<\/strong>, zjistili jsme, \u017ee bychom bance v deseti m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch ve v\u00fd\u0161i 299 K\u010d splatili celkem 2 990 K\u010d. Toto by platilo za p\u0159edpokladu, kdyby sou\u010d\u00e1st\u00ed \u00fav\u011bru nebylo poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet. S poji\u0161t\u011bn\u00edm SOUBOR MASTER <\/strong>by m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka stoupla na 313 K\u010d, respektive 362 K\u010d se SOUBOREM MASTER PLUS.<\/p>\n\n\n

\n
\"Datart
Zdroj: Datart.cz<\/figcaption><\/figure>\n<\/div>\n\n\n

Co z tohoto srovn\u00e1n\u00ed plyne? Nab\u00eddka n\u00e1kup\u016f na spl\u00e1tky bez nav\u00fd\u0161en\u00ed obvykle m\u00e1 n\u011bjak\u00e1 ALE. Nej\u010dast\u011bji jde o skute\u010dnost, \u017ee je spl\u00e1tkov\u00fd prodej bez nav\u00fd\u0161en\u00ed podm\u00edn\u011bn\u00fd absenc\u00ed poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/strong>. Ve chv\u00edli, kdy si k n\u00e1kupu p\u0159id\u00e1te poji\u0161t\u011bn\u00ed, v\u00fd\u0161e spl\u00e1tek stoupne. Rozd\u00edl sice, kdy\u017e se rozd\u011bl\u00ed do m\u011bs\u00edc\u016f, nen\u00ed dramatick\u00fd, ale ur\u010dit\u00e9 nav\u00fd\u0161en\u00ed, o kter\u00e9m byste m\u011bli v\u011bd\u011bt, p\u0159edstavuje.<\/p>\n\n\n

TIP!<\/div>
Poplatky? Odlo\u017een\u00e1 platba v\u00e1s nebude st\u00e1t ani korunu. Jak funguje? <\/a><\/b><\/div><\/div>\n\n\n\n

Proto i p\u0159i n\u00e1kupu na pl\u00e1tky plat\u00ed stokr\u00e1t om\u00edlan\u00e9 pravidlo: pou\u017e\u00edvejte finan\u010dn\u00ed kalkula\u010dky, porovn\u00e1vejte a d\u016fkladn\u011b \u010dt\u011bte smlouvy. Ot\u0159epan\u00e1 pr\u00e1vnick\u00e1 fr\u00e1ze, kter\u00e1 prav\u00ed, \u017ee neznalost neomlouv\u00e1<\/strong>, v tomto p\u0159\u00edpad\u011b plat\u00ed beze zbytku. Proto si p\u0159ed podpisem \u00fav\u011brov\u00e9 smlouvy prostudujte maximum dostupn\u00fdch informac\u00ed, abyste se vyhnuli nep\u0159\u00edjemn\u00e9mu p\u0159ekvapen\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

Tak\u00e9 p\u0159ed V\u00e1noci \u010dast\u011bji ne\u017e kdy jindy nar\u00e1\u017e\u00edte na nab\u00eddku n\u00e1kupu na spl\u00e1tky bez nav\u00fd\u0161en\u00ed? Pochopiteln\u011b nejde o \u017e\u00e1dnou n\u00e1hodu, ale dob\u0159e c\u00edlenou reklamu. Nebo sp\u00ed\u0161 reklamn\u00ed kobercov\u00fd n\u00e1let. Pokud se v\u00e1m zd\u00e1, \u017ee spl\u00e1tkov\u00fd prodej bez nav\u00fd\u0161en\u00ed by pro v\u00e1s mohla b\u00fdt cesta, jak letos nakoupit v\u00e1no\u010dn\u00ed d\u00e1rky, porad\u00edme v\u00e1m, jak poznat, kte\u0159\u00ed obchodn\u00edci a \u00fav\u011brov\u00e9 spole\u010dnosti s v\u00e1mi jednaj\u00ed f\u00e9r.<\/p>\n","protected":false},"author":6,"featured_media":1206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[23,42,122],"class_list":["post-1209","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-pujcka","tag-pojisteni","tag-skip-pay","entry"],"acf":[],"yoast_head":"\nJak se nesp\u00e1lit p\u0159i n\u00e1kupu na spl\u00e1tky bez nav\u00fd\u0161en\u00ed | Skip Pay<\/title>\n<meta name=\"description\" content=\"Opravdu za n\u00e1kup na spl\u00e1tky bez nav\u00fd\u0161en\u00ed nezaplat\u00edte ani korunu nav\u00edc? 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