[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.stambre.sk\/nakupy-na-splatky-alebo-pozicka\/#Article","mainEntityOfPage":"https:\/\/www.stambre.sk\/nakupy-na-splatky-alebo-pozicka\/","headline":"N\u00e1kupy na spl\u00e1tky alebo po\u017ei\u010dka?","name":"N\u00e1kupy na spl\u00e1tky alebo po\u017ei\u010dka?","description":"V\u00a0ur\u010dit\u00fdch situ\u00e1ci\u00e1ch n\u00e1s niekedy prin\u00fati zamyslie\u0165\u00a0 sa nad t\u00fdm, \u010di siahnu\u0165 hlb\u0161ie do pe\u0148a\u017eenky, nachv\u00ed\u013eu si \u201epoplaka\u0165\u201c a\u00a0prenies\u0165 sa nad t\u00fdm, alebo zvoli\u0165 n\u00e1kup...","datePublished":"2018-10-12","dateModified":"2023-05-12","author":{"@type":"Person","@id":"https:\/\/www.stambre.sk\/author\/#Person","name":"","url":"https:\/\/www.stambre.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/a4f7f6499f3b2a0764d0773f1f5d74780987cfbea7e736c0e74f6185bb257971?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a4f7f6499f3b2a0764d0773f1f5d74780987cfbea7e736c0e74f6185bb257971?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"stambre.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.stambre.sk\/wp-content\/uploads\/img_a294564_w16649_t1544627431.jpg","url":"https:\/\/www.stambre.sk\/wp-content\/uploads\/img_a294564_w16649_t1544627431.jpg","height":0,"width":0},"url":"https:\/\/www.stambre.sk\/nakupy-na-splatky-alebo-pozicka\/","wordCount":547,"articleBody":"V\u00a0ur\u010dit\u00fdch situ\u00e1ci\u00e1ch n\u00e1s niekedy prin\u00fati zamyslie\u0165\u00a0 sa nad t\u00fdm, \u010di siahnu\u0165 hlb\u0161ie do pe\u0148a\u017eenky, nachv\u00ed\u013eu si \u201epoplaka\u0165\u201c a\u00a0prenies\u0165 sa nad t\u00fdm, alebo zvoli\u0165 n\u00e1kup bez vlastn\u00fdch finan\u010dn\u00fdch z\u00e1sob. Tak \u010di onak, n\u00e1kupy mimo na\u0161ich finan\u010dn\u00fdch mo\u017enost\u00ed nesie so sebou ist\u00e9 riziko a\u00a0navy\u0161e aj pravdepodobnos\u0165, \u017ee dan\u00fd tovar preplat\u00edme. Aj tu sa v\u0161ak vyskytuj\u00fa takzvan\u00e9 akcie, kedy napr\u00edklad spl\u00e1tkov\u00e1 \u010di p\u00f4\u017ei\u010dkov\u00e1 spolo\u010dnos\u0165 po\u017ei\u010dia \u00faver bez nav\u00fd\u0161enia, pokia\u013e dl\u017en\u00fa sumu zaplat\u00edte v\u00a0kr\u00e1tkom \u010dasovom odstupe od n\u00e1kupu.N\u00e1kup na spl\u00e1tky je vyu\u017e\u00edvan\u00fd priamo u\u00a0predajcu, kde tovar nakupujete. V\u00fdhodou je, \u017ee nemus\u00edte nikam chodi\u0165, pracovn\u00edci spl\u00e1tkovej spolo\u010dnosti sa preva\u017ene nach\u00e1dzaj\u00fa priamo na pracovisku, alebo predajca vybav\u00ed spl\u00e1tkov\u00fd \u00faver online. T\u00fato formu m\u00f4\u017eete vyu\u017ei\u0165 aj n\u00e1kupom cez internet v\u00a0e-shopoch. Sta\u010d\u00ed vyplni\u0165 zop\u00e1r \u00fadajov, odosla\u0165 cez za\u0161ifrovan\u00fd server a\u00a0o\u00a0ostatn\u00e9 sa u\u017e postaraj\u00fa poveren\u00ed pracovn\u00edci. Na pozad\u00ed preveria va\u0161u bonitu i\u00a0to, \u010di n\u00e1hodou nie ste neplati\u010dom. V\u0161etky d\u00f4le\u017eit\u00e9 datab\u00e1zy o\u00a0finan\u010dnej situ\u00e1cii maj\u00fa k\u00a0dispoz\u00edcii. Niektor\u00e9 spolo\u010dnosti m\u00f4\u017eu vy\u017eadova\u0165 aj potvrdenie o\u00a0pr\u00edjme, av\u0161ak je to sk\u00f4r v\u00fdnimo\u010dn\u00e9.N\u00e1sledne v\u00e1m poskytn\u00fa \u00faver na presne stanoven\u00fa sumu n\u00e1kupu a\u00a0vy si m\u00f4\u017eete v\u00a0dan\u00fd de\u0148 vzia\u0165 tovar sp\u00e4\u0165. \u00darokov\u00e9 sadzby nie s\u00fa v\u0161ak najni\u017e\u0161ie, hlavne pokia\u013e sa rozhodnete pou\u017ei\u0165 nulov\u00fa akont\u00e1ciu, natiahnu\u0165 \u010das spl\u00e1cania a\u00a0zn\u00ed\u017ei\u0165 si t\u00fdm aj v\u00fd\u0161ku mesa\u010dnej spl\u00e1tky. Preto sa rozhodne odpor\u00fa\u010da vypo\u010d\u00edta\u0165 si spl\u00e1tky tak, aby ste nespl\u00e1cali pridlho. Obvykle pri najni\u017e\u0161ej forme spl\u00e1cania preplat\u00edte maxim\u00e1lne jednu desatinu percenta predajnej sumy.Druhou vo\u013ebou je p\u00f4\u017ei\u010dka. Naj\u010dastej\u0161ie sa s\u00a0touto formou stret\u00e1vame v\u00a0bank\u00e1ch. Poskytn\u00fa v\u00e1m ju vo vami zvolenej v\u00fd\u0161ke, zaokr\u00fahlen\u00fa na cel\u00fa sumu. M\u00f4\u017eete si teda po\u017ei\u010da\u0165 aj vy\u0161\u0161iu sumu, ne\u017e je hotov\u00e1 cena kupovan\u00e9ho tovaru. Op\u00e4\u0165 sa od v\u00e1s bud\u00fa po\u017eadova\u0165 finan\u010dn\u00e9 inform\u00e1cie. Tie si spolo\u010dnos\u0165 over\u00ed v\u00a0datab\u00e1ze. Od v\u00e1s v\u0161ak bud\u00fa preva\u017ene \u017eiada\u0165 potvrdenie o\u00a0pr\u00edjme. V\u00fdnimkou s\u00fa tzv. predschv\u00e1len\u00e9 \u00favery, kedy v\u00e1m na poskytnutie sta\u010d\u00ed iba ob\u010diansky preukaz a\u00a0do piatich min\u00fat m\u00e1te peniaze na \u00fa\u010dte. V\u00a0opa\u010dnom pr\u00edpade je tento proces o\u00a0nie\u010do zd\u013ahavej\u0161\u00ed a\u00a0nie v\u017edy aj dostanete po\u017eadovan\u00fa sumu. \u00darokov\u00e1 sadzba sa tu pohybuje v\u00a0ni\u017e\u0161\u00edch hladin\u00e1ch ako v\u00a0pr\u00edpade spl\u00e1tkov\u00fdch spolo\u010dnost\u00ed.Pokia\u013e by ste teda zva\u017eovali k\u00fapu tovaru na spl\u00e1tky alebo na \u00faver, odpor\u00fa\u010dame zazmluvni\u0165 sa s\u00a0jednou z\u00a0najv\u00e4\u010d\u0161\u00edch spl\u00e1tkov\u00fdch spolo\u010dnost\u00ed na Slovensku, respekt\u00edve po\u017eiada\u0165 o\u00a0\u00faver jednu z\u00a0na\u0161ich b\u00e1nk. Predsa len, \u00fa\u017eern\u00edctvo st\u00e1le existuje a\u00a0mnoho \u013eud\u00ed u\u017e na to doplatilo. A\u00a0to predsa nechcete.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u00e1kupy na spl\u00e1tky alebo po\u017ei\u010dka?","item":"https:\/\/www.stambre.sk\/nakupy-na-splatky-alebo-pozicka\/#breadcrumbitem"}]}]