{"id":150,"date":"2026-08-26T09:48:55","date_gmt":"2026-08-26T07:48:55","guid":{"rendered":"https:\/\/www.navratime.cz\/index.php\/slovnik\/"},"modified":"2026-08-26T09:48:55","modified_gmt":"2026-08-26T07:48:55","slug":"slovnik","status":"publish","type":"page","link":"https:\/\/www.navratime.cz\/index.php\/slovnik\/","title":{"rendered":"Slovn\u00edk pojm\u016f"},"content":{"rendered":"  <div class=\"fin-site finance-index-site\">  <header class=\"fin-nav finance-index-nav\">\n   <a class=\"brand\" href=\"https:\/\/www.navratime.cz\/\"><span>p\u016fl na p\u016fl<\/span><b>Vr\u00e1t\u00edme v\u00e1m f\u00e9rov\u00fd d\u00edl<\/b><\/a>\n   <nav><a href=\"https:\/\/www.navratime.cz\/#jak\">Jak to funguje<\/a><a href=\"https:\/\/www.navratime.cz\/#proc\">Pro\u010d my<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=blog\">Blog<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=stories\">Va\u0161e p\u0159\u00edb\u011bhy<\/a><a href=\"https:\/\/www.navratime.cz\/?bhp_view=video\">Video blog<\/a><a href=\"https:\/\/www.navratime.cz\/index.php\/kontakt\/\">Kontakt<\/a><\/nav>\n   <a class=\"btn sm\" href=\"https:\/\/www.navratime.cz\/#formular\">Chci prov\u011b\u0159it p\u016fj\u010dku<\/a>\n  <\/header>\n     <main class=\"finance-index-main glossary-index-main\">\n    <section class=\"index-hero\"><small>ROMAN VYSV\u011aTLUJE<\/small><h1>Slovn\u00edk pojm\u016f<\/h1><p>Jednodu\u0161e a bez pr\u00e1vnick\u00e9 \u0159e\u010di. Ka\u017ed\u00fd pojem vysv\u011btlujeme tak, abyste poznali, pro\u010d m\u016f\u017ee b\u00fdt d\u016fle\u017eit\u00fd pr\u00e1v\u011b u star\u00e9 nebo st\u00e1le b\u011b\u017e\u00edc\u00ed nebankovn\u00ed p\u016fj\u010dky.<\/p><\/section>\n    <div class=\"glossary-search-wrap\"><input id=\"glossarySearch\" type=\"search\" placeholder=\"Hledat pojem\"><\/div>\n    <section class=\"big-glossary-grid\">\n          <article class=\"big-glossary-card\" data-term=\"bezd\u016fvodn\u00e9 obohacen\u00ed majetkov\u00fd prosp\u011bch z\u00edskan\u00fd bez pr\u00e1vn\u00edho d\u016fvodu\">\n       <h2 id=\"bezduvodne-obohaceni\">Bezd\u016fvodn\u00e9 obohacen\u00ed<\/h2>\n       <h3>Majetkov\u00fd prosp\u011bch z\u00edskan\u00fd bez pr\u00e1vn\u00edho d\u016fvodu<\/h3>\n       <p>Pokud n\u011bkdo p\u0159ijal pen\u00edze, na kter\u00e9 podle pr\u00e1va nem\u011bl n\u00e1rok, m\u016f\u017ee vzniknout povinnost je vr\u00e1tit. U \u00fav\u011br\u016f je v\u017edy pot\u0159eba konkr\u00e9tn\u011b zjistit, zda takov\u00e1 situace nastala. Proto je d\u016fle\u017eit\u00e9 m\u00edt smlouvu a p\u0159ehled plateb.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"bez\u00fa\u010delov\u00fd \u00fav\u011br \u00fav\u011br, u kter\u00e9ho nemus\u00edte dokl\u00e1dat, na co pen\u00edze pou\u017eijete\">\n       <h2 id=\"bezucelovy-uver\">Bez\u00fa\u010delov\u00fd \u00fav\u011br<\/h2>\n       <h3>\u00dav\u011br, u kter\u00e9ho nemus\u00edte dokl\u00e1dat, na co pen\u00edze pou\u017eijete<\/h3>\n       <p>Bez\u00fa\u010delov\u00fd \u00fav\u011br d\u00e1v\u00e1 klientovi volnost, ale cena a podm\u00ednky jsou po\u0159\u00e1d stejn\u011b d\u016fle\u017eit\u00e9. Pokud byl drah\u00fd nebo se spl\u00e1cel roky, m\u00e1 smysl spo\u010d\u00edtat celkov\u00e9 n\u00e1klady.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"bonita finan\u010dn\u00ed kondice \u017eadatele\">\n       <h2 id=\"bonita\">Bonita<\/h2>\n       <h3>Finan\u010dn\u00ed kondice \u017eadatele<\/h3>\n       <p>Bonita vyjad\u0159uje, jak v\u011b\u0159itel hodnot\u00ed va\u0161e p\u0159\u00edjmy, v\u00fddaje, z\u00e1vazky a schopnost spl\u00e1cet. Kdy\u017e m\u00e1te pocit, \u017ee v\u00e1m kdysi p\u016fj\u010dili a\u017e p\u0159\u00edli\u0161 snadno, m\u016f\u017ee b\u00fdt pr\u00e1v\u011b zp\u016fsob posouzen\u00ed bonity d\u016fle\u017eit\u00fd p\u0159i kontrole star\u00e9 smlouvy.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"brki bankovn\u00ed registr klientsk\u00fdch informac\u00ed\">\n       <h2 id=\"brki\">BRKI<\/h2>\n       <h3>Bankovn\u00ed registr klientsk\u00fdch informac\u00ed<\/h3>\n       <p>BRKI obsahuje \u00fav\u011brovou historii klient\u016f bank. U nebankovn\u00ed p\u016fj\u010dky m\u016f\u017ee b\u00fdt d\u016fle\u017eit\u00e9, jak\u00e9 informace m\u011bl poskytovatel k dispozici a zda je p\u0159i posouzen\u00ed va\u0161\u00ed situace vyu\u017eil.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"celkov\u00e1 \u010d\u00e1stka splatn\u00e1 sou\u010det v\u0161ech plateb, kter\u00e9 m\u00e1te podle smlouvy zaplatit\">\n       <h2 id=\"celkova-castka-splatna\">Celkov\u00e1 \u010d\u00e1stka splatn\u00e1<\/h2>\n       <h3>Sou\u010det v\u0161ech plateb, kter\u00e9 m\u00e1te podle smlouvy zaplatit<\/h3>\n       <p>Toto \u010d\u00edslo je \u010dasto d\u016fle\u017eit\u011bj\u0161\u00ed ne\u017e samotn\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka. Kdy\u017e je celkov\u00e1 \u010d\u00e1stka v\u00fdrazn\u011b vy\u0161\u0161\u00ed ne\u017e jistina, stoj\u00ed za to zjistit, z \u010deho se rozd\u00edl skl\u00e1d\u00e1 a zda jsou jednotliv\u00e9 n\u00e1klady v po\u0159\u00e1dku.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"dlouhodob\u00e1 p\u016fj\u010dka \u00fav\u011br spl\u00e1cen\u00fd del\u0161\u00ed dobu\">\n       <h2 id=\"dlouhodoba-pujcka\">Dlouhodob\u00e1 p\u016fj\u010dka<\/h2>\n       <h3>\u00dav\u011br spl\u00e1cen\u00fd del\u0161\u00ed dobu<\/h3>\n       <p>Del\u0161\u00ed spl\u00e1cen\u00ed m\u016f\u017ee sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, ale zv\u00fd\u0161it celkovou \u010d\u00e1stku, kterou zaplat\u00edte. U star\u0161\u00edch p\u016fj\u010dek je proto dobr\u00e9 porovnat jistinu, celkovou splatnou \u010d\u00e1stku a skute\u010dn\u00e9 platby.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"dlu\u017en\u00edk \u010dlov\u011bk, kter\u00fd m\u00e1 povinnost dluh splatit\">\n       <h2 id=\"dluznik\">Dlu\u017en\u00edk<\/h2>\n       <h3>\u010clov\u011bk, kter\u00fd m\u00e1 povinnost dluh splatit<\/h3>\n       <p>Dlu\u017en\u00edk nen\u00ed automaticky n\u011bkdo, kdo ud\u011blal n\u011bco \u0161patn\u011b. \u010casto jen podepsal smlouvu v t\u011b\u017ek\u00e9 situaci. I dlu\u017en\u00edk m\u00e1 pr\u00e1va a star\u00e1 smlouva m\u016f\u017ee m\u00edt smysl pro nov\u00e9 pr\u00e1vn\u00ed posouzen\u00ed.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"dodatek ke smlouv\u011b pozd\u011bj\u0161\u00ed zm\u011bna p\u016fvodn\u00ed smlouvy\">\n       <h2 id=\"dodatek-ke-smlouve\">Dodatek ke smlouv\u011b<\/h2>\n       <h3>Pozd\u011bj\u0161\u00ed zm\u011bna p\u016fvodn\u00ed smlouvy<\/h3>\n       <p>Dodatek m\u016f\u017ee m\u011bnit spl\u00e1tky, \u00faroky, dobu spl\u00e1cen\u00ed nebo jin\u00e9 podm\u00ednky. Pokud jste podepisovali v\u00edce dodatk\u016f, je pot\u0159eba posuzovat v\u0161echny dohromady, ne jen prvn\u00ed smlouvu.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"efektivn\u00ed \u00farok skute\u010dn\u00fd n\u00e1klad \u00fav\u011bru vyj\u00e1d\u0159en\u00fd s ohledem na zp\u016fsob placen\u00ed\">\n       <h2 id=\"efektivni-urok\">Efektivn\u00ed \u00farok<\/h2>\n       <h3>Skute\u010dn\u00fd n\u00e1klad \u00fav\u011bru vyj\u00e1d\u0159en\u00fd s ohledem na zp\u016fsob placen\u00ed<\/h3>\n       <p>Efektivn\u00ed \u00farok pom\u00e1h\u00e1 pochopit skute\u010dnou cenu pen\u011bz. U kr\u00e1tkodob\u00fdch a \u010dasto prodlu\u017eovan\u00fdch p\u016fj\u010dek m\u016f\u017ee b\u00fdt rozd\u00edl mezi reklamovan\u00fdm dojmem a skute\u010dnou cenou velmi v\u00fdrazn\u00fd.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"exekuce nucen\u00e9 vym\u00e1h\u00e1n\u00ed na z\u00e1klad\u011b vykonateln\u00e9ho titulu\">\n       <h2 id=\"exekuce\">Exekuce<\/h2>\n       <h3>Nucen\u00e9 vym\u00e1h\u00e1n\u00ed na z\u00e1klad\u011b vykonateln\u00e9ho titulu<\/h3>\n       <p>Exekuce je u\u017e form\u00e1ln\u00ed f\u00e1ze vym\u00e1h\u00e1n\u00ed. Pokud souvisela s nebankovn\u00ed p\u016fj\u010dkou, je pot\u0159eba \u0159e\u0161it konkr\u00e9tn\u00ed dokumenty a rozhodnut\u00ed. Samotn\u00fd \u010dl\u00e1nek nesta\u010d\u00ed, ale star\u00e9 podklady mohou b\u00fdt z\u00e1sadn\u00ed pro dal\u0161\u00ed pr\u00e1vn\u00ed postup.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"inkaso vym\u00e1h\u00e1n\u00ed pohled\u00e1vky mimosoudn\u00ed cestou\">\n       <h2 id=\"inkaso\">Inkaso<\/h2>\n       <h3>Vym\u00e1h\u00e1n\u00ed pohled\u00e1vky mimosoudn\u00ed cestou<\/h3>\n       <p>Inkaso znamen\u00e1, \u017ee dluh \u0159e\u0161\u00ed v\u011b\u0159itel nebo inkasn\u00ed spole\u010dnost bez soudn\u00edho rozhodnut\u00ed. Pokud jste p\u0159i vym\u00e1h\u00e1n\u00ed platili dal\u0161\u00ed poplatky, je dobr\u00e9 ov\u011b\u0159it, z \u010deho vych\u00e1zely a zda byly opr\u00e1vn\u011bn\u00e9.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"insolvence soudn\u00ed \u0159e\u0161en\u00ed dlouhodob\u00e9 platebn\u00ed neschopnosti\">\n       <h2 id=\"insolvence\">Insolvence<\/h2>\n       <h3>Soudn\u00ed \u0159e\u0161en\u00ed dlouhodob\u00e9 platebn\u00ed neschopnosti<\/h3>\n       <p>Insolvence \u0159e\u0161\u00ed situaci, kdy \u010dlov\u011bk nezvl\u00e1d\u00e1 sv\u00e9 dluhy. Pokud jste p\u0159ed insolvenc\u00ed dostali dal\u0161\u00ed drah\u00e9 \u00fav\u011bry, m\u016f\u017ee b\u00fdt zaj\u00edmav\u00e9 zkontrolovat, jak poskytovatel tehdy posuzoval va\u0161i schopnost spl\u00e1cet.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"jistina \u010d\u00e1stka, kterou jste si skute\u010dn\u011b p\u016fj\u010dili\">\n       <h2 id=\"jistina\">Jistina<\/h2>\n       <h3>\u010c\u00e1stka, kterou jste si skute\u010dn\u011b p\u016fj\u010dili<\/h3>\n       <p>Jistina je p\u016fvodn\u00ed p\u016fj\u010den\u00e1 \u010d\u00e1stka bez \u00farok\u016f a poplatk\u016f. Kdy\u017e porovn\u00e1te jistinu s t\u00edm, kolik jste celkem zaplatili, \u010dasto poprv\u00e9 uvid\u00edte skute\u010dn\u00fd rozd\u00edl. Pr\u00e1v\u011b ten m\u016f\u017ee uk\u00e1zat, zda m\u00e1 smysl smlouvu d\u00e1l prov\u011b\u0159it.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"konsolidace slou\u010den\u00ed v\u00edce p\u016fj\u010dek do jedn\u00e9\">\n       <h2 id=\"konsolidace\">Konsolidace<\/h2>\n       <h3>Slou\u010den\u00ed v\u00edce p\u016fj\u010dek do jedn\u00e9<\/h3>\n       <p>Konsolidace m\u016f\u017ee sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku, ale je pot\u0159eba sledovat celkovou dobu spl\u00e1cen\u00ed a celkov\u00e9 n\u00e1klady. Pokud jste konsolidovali drah\u00e9 nebankovn\u00ed p\u016fj\u010dky, stoj\u00ed za to ov\u011b\u0159it i p\u016fvodn\u00ed smlouvy.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"kr\u00e1tkodob\u00e1 p\u016fj\u010dka \u00fav\u011br s kr\u00e1tkou dobou splatnosti\">\n       <h2 id=\"kratkodoba-pujcka\">Kr\u00e1tkodob\u00e1 p\u016fj\u010dka<\/h2>\n       <h3>\u00dav\u011br s kr\u00e1tkou dobou splatnosti<\/h3>\n       <p>Kr\u00e1tkodob\u00e1 p\u016fj\u010dka b\u00fdv\u00e1 drah\u00e1 hlavn\u011b tehdy, kdy\u017e se opakovan\u011b prodlu\u017euje. Pokud jste platili poplatky za odklady nebo prodlou\u017een\u00ed, se\u010dt\u011bte je. Mohou tvo\u0159it v\u00fdznamnou \u010d\u00e1st celkov\u00e9ho p\u0159eplatku.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"lichva zneu\u017eit\u00ed t\u00edsn\u011b, nezku\u0161enosti nebo slabosti za hrub\u011b nep\u0159im\u011b\u0159en\u00fdch podm\u00ednek\">\n       <h2 id=\"lichva\">Lichva<\/h2>\n       <h3>Zneu\u017eit\u00ed t\u00edsn\u011b, nezku\u0161enosti nebo slabosti za hrub\u011b nep\u0159im\u011b\u0159en\u00fdch podm\u00ednek<\/h3>\n       <p>Lichva nen\u00ed jen synonymum pro drahou p\u016fj\u010dku. Posuzuje se konkr\u00e9tn\u00ed situace, nepom\u011br pln\u011bn\u00ed a okolnosti uzav\u0159en\u00ed smlouvy. Proto vysok\u00e9 p\u0159eplacen\u00ed samo o sob\u011b nesta\u010d\u00ed, ale m\u016f\u017ee b\u00fdt d\u016fvodem pro odbornou pr\u00e1vn\u00ed kontrolu.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"mikrop\u016fj\u010dka mal\u00e1 p\u016fj\u010dka na kr\u00e1tkou dobu\">\n       <h2 id=\"mikropujcka\">Mikrop\u016fj\u010dka<\/h2>\n       <h3>Mal\u00e1 p\u016fj\u010dka na kr\u00e1tkou dobu<\/h3>\n       <p>Mikrop\u016fj\u010dky b\u00fdvaj\u00ed rychl\u00e9 a snadno dostupn\u00e9, ale jejich cena m\u016f\u017ee b\u00fdt p\u0159i prodlu\u017eov\u00e1n\u00ed splatnosti vysok\u00e1. Kdo m\u011bl takov\u00fdch p\u016fj\u010dek v\u00edce, m\u016f\u017ee m\u00edt smysl zkontrolovat ka\u017edou smlouvu a celkov\u00e9 platby zvl\u00e1\u0161\u0165.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"nebankovn\u00ed p\u016fj\u010dka p\u016fj\u010dka od jin\u00e9 spole\u010dnosti ne\u017e banky\">\n       <h2 id=\"nebankovni-pujcka\">Nebankovn\u00ed p\u016fj\u010dka<\/h2>\n       <h3>P\u016fj\u010dka od jin\u00e9 spole\u010dnosti ne\u017e banky<\/h3>\n       <p>Nebankovn\u00ed p\u016fj\u010dka m\u016f\u017ee b\u00fdt b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br, mikrop\u016fj\u010dka i revolving. Kdy\u017e jste ji m\u011bli p\u0159ed lety a zaplatili na n\u00ed v\u00fdrazn\u011b v\u00edc, ne\u017e jste \u010dekali, nemus\u00edte to br\u00e1t jako uzav\u0159enou v\u011bc. Starou smlouvu lze znovu odborn\u011b posoudit.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"nebankovn\u00ed \u00fav\u011br \u00fav\u011br poskytnut\u00fd nebankovn\u00ed spole\u010dnost\u00ed\">\n       <h2 id=\"nebankovni-uver\">Nebankovn\u00ed \u00fav\u011br<\/h2>\n       <h3>\u00dav\u011br poskytnut\u00fd nebankovn\u00ed spole\u010dnost\u00ed<\/h3>\n       <p>Nebankovn\u00ed \u00fav\u011br je \u0161irok\u00fd pojem pro p\u016fj\u010dky mimo klasick\u00e9 banky. U star\u0161\u00edch \u00fav\u011br\u016f se \u010dasto vyplat\u00ed dohledat smlouvu, historii plateb a komunikaci. Pr\u00e1v\u011b z t\u011bchto dokument\u016f se d\u00e1 zjistit, zda m\u00e1 p\u0159\u00edpad smysl \u0159e\u0161it d\u00e1l.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"neplatnost smlouvy stav, kdy smlouva nebo jej\u00ed \u010d\u00e1st nemus\u00ed m\u00edt zam\u00fd\u0161len\u00e9 pr\u00e1vn\u00ed \u00fa\u010dinky\">\n       <h2 id=\"neplatnost-smlouvy\">Neplatnost smlouvy<\/h2>\n       <h3>Stav, kdy smlouva nebo jej\u00ed \u010d\u00e1st nemus\u00ed m\u00edt zam\u00fd\u0161len\u00e9 pr\u00e1vn\u00ed \u00fa\u010dinky<\/h3>\n       <p>Neplatnost se nikdy ned\u00e1 ur\u010dit jen podle jednoho \u010d\u00edsla nebo \u010dl\u00e1nku na internetu. Pokud ale pr\u00e1vn\u00ed posouzen\u00ed najde z\u00e1va\u017en\u00fd probl\u00e9m, m\u016f\u017ee m\u00edt dopad na to, co m\u011bl klient skute\u010dn\u011b platit a zda m\u016f\u017ee \u017e\u00e1dat pen\u00edze zp\u011bt.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"nezaji\u0161t\u011bn\u00fd \u00fav\u011br \u00fav\u011br bez z\u00e1stavy majetku\">\n       <h2 id=\"nezajisteny-uver\">Nezaji\u0161t\u011bn\u00fd \u00fav\u011br<\/h2>\n       <h3>\u00dav\u011br bez z\u00e1stavy majetku<\/h3>\n       <p>Nezaji\u0161t\u011bn\u00fd \u00fav\u011br neznamen\u00e1 bezrizikov\u00fd \u00fav\u011br. Pokud m\u011bl vysok\u00e9 \u00faroky nebo poplatky, m\u016f\u017ee b\u00fdt stejn\u011b d\u016fle\u017eit\u00e9 zkontrolovat jeho cenu, zp\u016fsob posouzen\u00ed klienta a skute\u010dn\u00e9 platby.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"nrki nebankovn\u00ed registr klientsk\u00fdch informac\u00ed\">\n       <h2 id=\"nrki\">NRKI<\/h2>\n       <h3>Nebankovn\u00ed registr klientsk\u00fdch informac\u00ed<\/h3>\n       <p>NRKI obsahuje \u00fadaje o z\u00e1vazc\u00edch u nebankovn\u00edch poskytovatel\u016f. Pokud jste m\u011bli v\u00edce p\u016fj\u010dek sou\u010dasn\u011b, m\u016f\u017ee b\u00fdt kontrola toho, co m\u011bl poskytovatel p\u0159ed schv\u00e1len\u00edm \u00fav\u011bru v\u011bd\u011bt, d\u016fle\u017eit\u00e1.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"n\u00e1mitka p\u00edsemn\u00fd nesouhlas s po\u017eadavkem nebo postupem\">\n       <h2 id=\"namitka\">N\u00e1mitka<\/h2>\n       <h3>P\u00edsemn\u00fd nesouhlas s po\u017eadavkem nebo postupem<\/h3>\n       <p>N\u00e1mitka m\u016f\u017ee b\u00fdt sou\u010d\u00e1st\u00ed komunikace s v\u011b\u0159itelem nebo vym\u00e1haj\u00edc\u00ed spole\u010dnost\u00ed. Pokud jste ji n\u011bkdy pos\u00edlali, schovejte ji. M\u016f\u017ee b\u00fdt d\u016fle\u017eit\u00e1 p\u0159i zp\u011btn\u00e9m posouzen\u00ed p\u0159\u00edpadu.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"obchodn\u00ed podm\u00ednky pravidla, kter\u00e1 dopl\u0148uj\u00ed smlouvu\">\n       <h2 id=\"obchodni-podminky\">Obchodn\u00ed podm\u00ednky<\/h2>\n       <h3>Pravidla, kter\u00e1 dopl\u0148uj\u00ed smlouvu<\/h3>\n       <p>Obchodn\u00ed podm\u00ednky b\u00fdvaj\u00ed dlouh\u00e9 a lid\u00e9 je \u010dasto v\u016fbec ne\u010dtou. P\u0159esto v nich mohou b\u00fdt d\u016fle\u017eit\u00e9 poplatky, sankce nebo postupy. Ke star\u00e9 smlouv\u011b proto pat\u0159\u00ed i tehdej\u0161\u00ed verze obchodn\u00edch podm\u00ednek.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"ochrana spot\u0159ebitele pravidla, kter\u00e1 chr\u00e1n\u00ed \u010dlov\u011bka p\u0159i n\u00e1kupu slu\u017eeb a \u00fav\u011br\u016f\">\n       <h2 id=\"ochrana-spotrebitele\">Ochrana spot\u0159ebitele<\/h2>\n       <h3>Pravidla, kter\u00e1 chr\u00e1n\u00ed \u010dlov\u011bka p\u0159i n\u00e1kupu slu\u017eeb a \u00fav\u011br\u016f<\/h3>\n       <p>Spot\u0159ebitel m\u00e1 p\u0159i \u00fav\u011brech zvl\u00e1\u0161tn\u00ed ochranu. Poskytovatel mus\u00ed dodr\u017eovat \u0159adu povinnost\u00ed. Pokud je nedodr\u017eel, m\u016f\u017ee to b\u00fdt d\u016fle\u017eit\u00e9 pro dal\u0161\u00ed pr\u00e1vn\u00ed postup a n\u011bkdy i pro vr\u00e1cen\u00ed \u010d\u00e1sti plateb.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"odklad spl\u00e1tek do\u010dasn\u00e9 p\u0159eru\u0161en\u00ed nebo posunut\u00ed spl\u00e1cen\u00ed\">\n       <h2 id=\"odklad-splatek\">Odklad spl\u00e1tek<\/h2>\n       <h3>Do\u010dasn\u00e9 p\u0159eru\u0161en\u00ed nebo posunut\u00ed spl\u00e1cen\u00ed<\/h3>\n       <p>Odklad m\u016f\u017ee kr\u00e1tkodob\u011b pomoct, ale \u010dasto prodlou\u017e\u00ed dobu spl\u00e1cen\u00ed nebo zv\u00fd\u0161\u00ed celkov\u00e9 n\u00e1klady. Kdo m\u011bl odklad, m\u011bl by si p\u0159i zp\u011btn\u00e9 kontrole spo\u010d\u00edtat, kolik zaplatil p\u0159ed n\u00edm a po n\u011bm.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"p2p p\u016fj\u010dka p\u016fj\u010dka zprost\u0159edkovan\u00e1 mezi investory a klientem\">\n       <h2 id=\"p2p-pujcka\">P2P p\u016fj\u010dka<\/h2>\n       <h3>P\u016fj\u010dka zprost\u0159edkovan\u00e1 mezi investory a klientem<\/h3>\n       <p>P2P p\u016fj\u010dka m\u016f\u017ee fungovat jinak ne\u017e klasick\u00fd bankovn\u00ed \u00fav\u011br, ale st\u00e1le m\u016f\u017ee spadat do pravidel ochrany spot\u0159ebitele. Pokud jste takov\u00fd \u00fav\u011br m\u011bli a n\u011bco v\u00e1m na n\u00e1kladech nesed\u00ed, smlouva stoj\u00ed za kontrolu.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"poplatek platba nav\u00edc spojen\u00e1 s \u00fav\u011brem\">\n       <h2 id=\"poplatek\">Poplatek<\/h2>\n       <h3>Platba nav\u00edc spojen\u00e1 s \u00fav\u011brem<\/h3>\n       <p>Poplatky mohou b\u00fdt za sjedn\u00e1n\u00ed, spr\u00e1vu, prodlou\u017een\u00ed, upom\u00ednku nebo jin\u00e9 slu\u017eby. U star\u0161\u00edch \u00fav\u011br\u016f se n\u011bkdy pr\u00e1v\u011b v poplatc\u00edch schov\u00e1 velk\u00e1 \u010d\u00e1st p\u0159eplacen\u00e9 \u010d\u00e1stky. Proto je dobr\u00e9 proj\u00edt smlouvu i v\u00fdpisy.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"poplatek za prodlou\u017een\u00ed cena za posunut\u00ed splatnosti\">\n       <h2 id=\"poplatek-za-prodlouzeni\">Poplatek za prodlou\u017een\u00ed<\/h2>\n       <h3>Cena za posunut\u00ed splatnosti<\/h3>\n       <p>U kr\u00e1tkodob\u00fdch p\u016fj\u010dek m\u016f\u017ee opakovan\u00e9 prodlu\u017eov\u00e1n\u00ed v\u00fdrazn\u011b zv\u00fd\u0161it celkovou cenu. Pokud jste p\u016fj\u010dku n\u011bkolikr\u00e1t prodlu\u017eovali, Roman doporu\u010duje se\u010d\u00edst v\u0161echny tyto platby a nechat smlouvu zkontrolovat.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"postoupen\u00ed pohled\u00e1vky p\u0159evod dluhu na jin\u00e9ho v\u011b\u0159itele\">\n       <h2 id=\"postoupeni-pohledavky\">Postoupen\u00ed pohled\u00e1vky<\/h2>\n       <h3>P\u0159evod dluhu na jin\u00e9ho v\u011b\u0159itele<\/h3>\n       <p>Pohled\u00e1vka m\u016f\u017ee b\u00fdt prod\u00e1na jin\u00e9 spole\u010dnosti. Pokud se to stalo, schovejte ozn\u00e1men\u00ed o postoupen\u00ed. P\u0159i kontrole je d\u016fle\u017eit\u00e9 sledovat cel\u00fd \u0159et\u011bzec a zjistit, kdo po v\u00e1s co po\u017eadoval.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"prodlen\u00ed stav, kdy spl\u00e1tka nen\u00ed zaplacena v\u010das\">\n       <h2 id=\"prodleni\">Prodlen\u00ed<\/h2>\n       <h3>Stav, kdy spl\u00e1tka nen\u00ed zaplacena v\u010das<\/h3>\n       <p>Prodlen\u00ed m\u016f\u017ee spustit upom\u00ednky, sankce nebo zesplatn\u011bn\u00ed. Kdo m\u011bl finan\u010dn\u00ed probl\u00e9my, \u010dasto platil velkou \u010d\u00e1st pen\u011bz pr\u00e1v\u011b na sankc\u00edch. I tyto \u010d\u00e1stky mohou b\u00fdt d\u016fle\u017eit\u00e9 p\u0159i zp\u011btn\u00e9m pr\u00e1vn\u00edm posouzen\u00ed.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"proml\u010den\u00ed \u010dasov\u00e9 omezen\u00ed mo\u017enosti \u00fasp\u011b\u0161n\u011b uplatnit n\u011bkter\u00e1 pr\u00e1va\">\n       <h2 id=\"promlceni\">Proml\u010den\u00ed<\/h2>\n       <h3>\u010casov\u00e9 omezen\u00ed mo\u017enosti \u00fasp\u011b\u0161n\u011b uplatnit n\u011bkter\u00e1 pr\u00e1va<\/h3>\n       <p>Proml\u010den\u00ed je slo\u017eit\u00e9 a z\u00e1vis\u00ed na konkr\u00e9tn\u00edm n\u00e1roku a okolnostech. Proto nen\u00ed spr\u00e1vn\u00e9 \u0159\u00edct, \u017ee deset let star\u00e1 smlouva je automaticky bez \u0161ance. Star\u00e9 dokumenty m\u00e1 smysl poslat k posouzen\u00ed d\u0159\u00edv, ne\u017e je vyhod\u00edte.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"pr\u00e1vn\u00ed posouzen\u00ed odborn\u00e9 zhodnocen\u00ed smlouvy a okolnost\u00ed p\u0159\u00edpadu\">\n       <h2 id=\"pravni-posouzeni\">Pr\u00e1vn\u00ed posouzen\u00ed<\/h2>\n       <h3>Odborn\u00e9 zhodnocen\u00ed smlouvy a okolnost\u00ed p\u0159\u00edpadu<\/h3>\n       <p>Pr\u00e1vn\u00ed posouzen\u00ed je chv\u00edle, kdy se p\u0159est\u00e1v\u00e1 h\u00e1dat podle pocitu a za\u010d\u00edn\u00e1 pracovat s dokumenty. U star\u00e9 nebankovn\u00ed p\u016fj\u010dky pr\u00e1v\u011b tady zjist\u00edte, zda m\u00e1 v\u016fbec smysl cht\u00edt n\u011bco vracet nebo d\u00e1l \u0159e\u0161it.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"p\u0159ed\u010dasn\u00e9 splacen\u00ed splacen\u00ed \u00fav\u011bru d\u0159\u00edve ne\u017e podle p\u016fvodn\u00edho pl\u00e1nu\">\n       <h2 id=\"predcasne-splaceni\">P\u0159ed\u010dasn\u00e9 splacen\u00ed<\/h2>\n       <h3>Splacen\u00ed \u00fav\u011bru d\u0159\u00edve ne\u017e podle p\u016fvodn\u00edho pl\u00e1nu<\/h3>\n       <p>P\u0159i p\u0159ed\u010dasn\u00e9m splacen\u00ed se mohou m\u011bnit \u00faroky i poplatky. Pokud jste \u00fav\u011br doplatili d\u0159\u00edv, ale p\u0159esto jste zaplatili vysok\u00e9 n\u00e1klady, stoj\u00ed za to zkontrolovat kone\u010dn\u00e9 vy\u00fa\u010dtov\u00e1n\u00ed.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"p\u0159eplatek kolik jste zaplatili nad p\u016fj\u010denou \u010d\u00e1stku\">\n       <h2 id=\"preplatek\">P\u0159eplatek<\/h2>\n       <h3>Kolik jste zaplatili nad p\u016fj\u010denou \u010d\u00e1stku<\/h3>\n       <p>P\u0159eplatek je rozd\u00edl mezi t\u00edm, co jste si p\u016fj\u010dili, a t\u00edm, co jste v\u011b\u0159iteli skute\u010dn\u011b odevzdali. Ne ka\u017ed\u00fd p\u0159eplatek je probl\u00e9m, ale pokud je nezvykle vysok\u00fd, Roman doporu\u010duje smlouvu neodkl\u00e1dat a zjistit, jestli jsou v\u0161echny platby a podm\u00ednky v po\u0159\u00e1dku.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"p\u016fj\u010dka bez dolo\u017een\u00ed p\u0159\u00edjmu p\u016fj\u010dka, u kter\u00e9 poskytovatel nevy\u017eaduje klasick\u00e9 potvrzen\u00ed od zam\u011bstnavatele\">\n       <h2 id=\"pujcka-bez-dolozeni-prijmu\">P\u016fj\u010dka bez dolo\u017een\u00ed p\u0159\u00edjmu<\/h2>\n       <h3>P\u016fj\u010dka, u kter\u00e9 poskytovatel nevy\u017eaduje klasick\u00e9 potvrzen\u00ed od zam\u011bstnavatele<\/h3>\n       <p>Bez pap\u00edrov\u00e9ho potvrzen\u00ed neznamen\u00e1 bez prov\u011b\u0159en\u00ed. Poskytovatel m\u016f\u017ee p\u0159\u00edjem ov\u011b\u0159ovat jinak. Pokud m\u00e1te pocit, \u017ee va\u0161i situaci neprov\u011b\u0159il v\u016fbec, stoj\u00ed za to zkontrolovat, co ve spise a smlouv\u011b skute\u010dn\u011b je.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"p\u016fj\u010dka bez registru marketingov\u00e9 ozna\u010den\u00ed p\u016fj\u010dky s omezen\u00fdm nebo jin\u00fdm zp\u016fsobem kontroly registr\u016f\">\n       <h2 id=\"pujcka-bez-registru\">P\u016fj\u010dka bez registru<\/h2>\n       <h3>Marketingov\u00e9 ozna\u010den\u00ed p\u016fj\u010dky s omezen\u00fdm nebo jin\u00fdm zp\u016fsobem kontroly registr\u016f<\/h3>\n       <p>V\u00fdraz bez registru m\u016f\u017ee zn\u00edt jako v\u00fdhoda, ale z pohledu klienta je d\u016fle\u017eit\u00e9, zda poskytovatel v\u016fbec odpov\u011bdn\u011b posoudil schopnost spl\u00e1cet. Pokud v\u00e1m p\u016fj\u010dil navzdory v\u00e1\u017en\u00fdm probl\u00e9m\u016fm, m\u016f\u017ee to b\u00fdt d\u016fvod k prov\u011b\u0159en\u00ed.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"p\u016fj\u010dka do v\u00fdplaty kr\u00e1tkodob\u00e1 p\u016fj\u010dka splatn\u00e1 obvykle v \u0159\u00e1du t\u00fddn\u016f\">\n       <h2 id=\"pujcka-do-vyplaty\">P\u016fj\u010dka do v\u00fdplaty<\/h2>\n       <h3>Kr\u00e1tkodob\u00e1 p\u016fj\u010dka splatn\u00e1 obvykle v \u0159\u00e1du t\u00fddn\u016f<\/h3>\n       <p>P\u016fj\u010dka do v\u00fdplaty m\u016f\u017ee na za\u010d\u00e1tku p\u016fsobit jako kr\u00e1tk\u00e9 p\u0159eklenut\u00ed. Pokud se ale prodlu\u017eovala nebo navazovala dal\u0161\u00ed p\u016fj\u010dka, celkov\u00e9 n\u00e1klady mohou nar\u016fst. Star\u00e9 smlouvy a v\u00fdpisy maj\u00ed proto smysl schovat a p\u0159\u00edpadn\u011b prov\u011b\u0159it.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"refinancov\u00e1n\u00ed nahrazen\u00ed star\u00e9ho \u00fav\u011bru nov\u00fdm\">\n       <h2 id=\"refinancovani\">Refinancov\u00e1n\u00ed<\/h2>\n       <h3>Nahrazen\u00ed star\u00e9ho \u00fav\u011bru nov\u00fdm<\/h3>\n       <p>Refinancov\u00e1n\u00ed m\u00e1 obvykle zlep\u0161it podm\u00ednky. Kdy\u017e se ale drah\u00e1 p\u016fj\u010dka jen p\u0159esunula jinam a celkov\u00e9 n\u00e1klady d\u00e1l rostly, m\u00e1 smysl pod\u00edvat se na cel\u00fd \u0159et\u011bzec smluv a plateb.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"registr dlu\u017en\u00edk\u016f datab\u00e1ze \u00fav\u011brov\u00e9 historie a z\u00e1vazk\u016f\">\n       <h2 id=\"registr-dluzniku\">Registr dlu\u017en\u00edk\u016f<\/h2>\n       <h3>Datab\u00e1ze \u00fav\u011brov\u00e9 historie a z\u00e1vazk\u016f<\/h3>\n       <p>Registry pom\u00e1haj\u00ed poskytovatel\u016fm posoudit, zda u\u017e \u010dlov\u011bk nem\u00e1 p\u0159\u00edli\u0161 mnoho z\u00e1vazk\u016f. Pokud v\u00e1m byla p\u016fj\u010dka schv\u00e1lena navzdory probl\u00e9m\u016fm, m\u016f\u017ee b\u00fdt zaj\u00edmav\u00e9 zjistit, co poskytovatel tehdy skute\u010dn\u011b ov\u011b\u0159oval.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"reklamace form\u00e1ln\u00ed upozorn\u011bn\u00ed na probl\u00e9m nebo nesouhlas\">\n       <h2 id=\"reklamace\">Reklamace<\/h2>\n       <h3>Form\u00e1ln\u00ed upozorn\u011bn\u00ed na probl\u00e9m nebo nesouhlas<\/h3>\n       <p>Reklamace je zp\u016fsob, jak poskytovateli p\u00edsemn\u011b sd\u011blit, \u017ee s n\u011b\u010d\u00edm nesouhlas\u00edte. U star\u0161\u00edch p\u0159\u00edpad\u016f je dobr\u00e9 dohledat i star\u00e9 reklamace a odpov\u011bdi, proto\u017ee mohou uk\u00e1zat, co se \u0159e\u0161ilo u\u017e tehdy.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"revolvingov\u00fd \u00fav\u011br \u00fav\u011br, kter\u00fd lze opakovan\u011b \u010derpat\">\n       <h2 id=\"revolvingovy-uver\">Revolvingov\u00fd \u00fav\u011br<\/h2>\n       <h3>\u00dav\u011br, kter\u00fd lze opakovan\u011b \u010derpat<\/h3>\n       <p>Revolving se m\u016f\u017ee tv\u00e1\u0159it jako jednoduch\u00e1 rezerva, ale p\u0159i dlouh\u00e9m pou\u017e\u00edv\u00e1n\u00ed se mohou \u00faroky a poplatky nas\u010d\u00edtat. Pokud jste revolving spl\u00e1celi roky, stoj\u00ed za to spo\u010d\u00edtat celkov\u00e9 platby a porovnat je s t\u00edm, kolik jste skute\u010dn\u011b \u010derpali.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"rozhod\u010d\u00ed dolo\u017eka ujedn\u00e1n\u00ed, \u017ee spor bude \u0159e\u0161it rozhodce m\u00edsto soudu\">\n       <h2 id=\"rozhodci-dolozka\">Rozhod\u010d\u00ed dolo\u017eka<\/h2>\n       <h3>Ujedn\u00e1n\u00ed, \u017ee spor bude \u0159e\u0161it rozhodce m\u00edsto soudu<\/h3>\n       <p>U star\u0161\u00edch \u00fav\u011brov\u00fdch smluv se rozhod\u010d\u00ed dolo\u017eky pou\u017e\u00edvaly pom\u011brn\u011b \u010dasto. Jejich platnost se v minulosti hodn\u011b \u0159e\u0161ila. Pokud ji ve star\u00e9 smlouv\u011b m\u00e1te, ur\u010dit\u011b ji p\u0159i pr\u00e1vn\u00edm posouzen\u00ed nevynech\u00e1vejte.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"rpsn ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f\">\n       <h2 id=\"rpsn\">RPSN<\/h2>\n       <h3>Ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f<\/h3>\n       <p>\u010c\u00edslo, kter\u00e9 m\u00e1 uk\u00e1zat celkovou cenu \u00fav\u011bru za rok v\u010detn\u011b \u00faroku a \u010d\u00e1sti poplatk\u016f. Kdy\u017e je RPSN vysok\u00e9 nebo nesed\u00ed s t\u00edm, co jste skute\u010dn\u011b platili, stoj\u00ed za to vyt\u00e1hnout starou smlouvu a nechat ji prov\u011b\u0159it. Pokud se uk\u00e1\u017ee pr\u00e1vn\u00ed probl\u00e9m, m\u016f\u017ee b\u00fdt d\u016fle\u017eit\u00e9 p\u0159i \u0159e\u0161en\u00ed vr\u00e1cen\u00ed \u010d\u00e1sti zaplacen\u00fdch pen\u011bz.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"ru\u010ditel osoba, kter\u00e1 se zavazuje zaplatit dluh, kdy\u017e dlu\u017en\u00edk neplat\u00ed\">\n       <h2 id=\"rucitel\">Ru\u010ditel<\/h2>\n       <h3>Osoba, kter\u00e1 se zavazuje zaplatit dluh, kdy\u017e dlu\u017en\u00edk neplat\u00ed<\/h3>\n       <p>Ru\u010ditel m\u016f\u017ee n\u00e9st velk\u00e9 finan\u010dn\u00ed riziko. Pokud se star\u00e1 nebankovn\u00ed p\u016fj\u010dka dotkla i ru\u010ditele, je d\u016fle\u017eit\u00e9 zkontrolovat p\u016fvodn\u00ed smlouvu i to, co bylo pozd\u011bji vym\u00e1h\u00e1no.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"sankce pen\u011b\u017en\u00ed postih za poru\u0161en\u00ed smluvn\u00ed povinnosti\">\n       <h2 id=\"sankce\">Sankce<\/h2>\n       <h3>Pen\u011b\u017en\u00ed postih za poru\u0161en\u00ed smluvn\u00ed povinnosti<\/h3>\n       <p>Sankce mohou b\u00fdt z\u00e1konn\u00e9 i smluvn\u00ed. Pokud v\u00e1m b\u011bhem probl\u00e9m\u016f se spl\u00e1cen\u00edm v\u00fdrazn\u011b narostl dluh, je d\u016fle\u017eit\u00e9 rozd\u011blit, co byl b\u011b\u017en\u00fd \u00farok, co sankce a co dal\u0161\u00ed poplatky.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"smlouva o \u00fav\u011bru dokument, kter\u00fd stanovuje podm\u00ednky p\u016fj\u010dky\">\n       <h2 id=\"smlouva-o-uveru\">Smlouva o \u00fav\u011bru<\/h2>\n       <h3>Dokument, kter\u00fd stanovuje podm\u00ednky p\u016fj\u010dky<\/h3>\n       <p>Smlouva je z\u00e1klad v\u0161eho. I kdy\u017e je star\u00e1 deset let, nevyhazujte ji. Pr\u00e1v\u011b z n\u00ed se d\u00e1 zjistit, co jste podepsali, co m\u011bl poskytovatel povinnost splnit a zda m\u00e1 smysl \u0159e\u0161it vr\u00e1cen\u00ed \u010d\u00e1sti zaplacen\u00fdch pen\u011bz.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"smluvn\u00ed pokuta sankce sjednan\u00e1 ve smlouv\u011b\">\n       <h2 id=\"smluvni-pokuta\">Smluvn\u00ed pokuta<\/h2>\n       <h3>Sankce sjednan\u00e1 ve smlouv\u011b<\/h3>\n       <p>Smluvn\u00ed pokuta m\u00e1 trestat poru\u0161en\u00ed smluvn\u00ed povinnosti. U spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f mus\u00ed b\u00fdt p\u0159im\u011b\u0159en\u00e1 a v mez\u00edch z\u00e1kona. Pokud v\u00e1m pokuty v\u00fdrazn\u011b nav\u00fd\u0161ily dluh, stoj\u00ed za to zjistit, zda byly \u00fa\u010dtovan\u00e9 spr\u00e1vn\u011b.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"solus sdru\u017een\u00ed, kter\u00e9 vede registr z\u00e1vazk\u016f\">\n       <h2 id=\"solus\">SOLUS<\/h2>\n       <h3>Sdru\u017een\u00ed, kter\u00e9 vede registr z\u00e1vazk\u016f<\/h3>\n       <p>SOLUS eviduje n\u011bkter\u00e9 informace o platebn\u00ed mor\u00e1lce spot\u0159ebitel\u016f. Kdy\u017e jste m\u011bli z\u00e1znam a p\u0159esto jste dostali dal\u0161\u00ed drahou p\u016fj\u010dku, nen\u00ed to automaticky pochyben\u00ed, ale m\u016f\u017ee to b\u00fdt sou\u010d\u00e1st \u0161ir\u0161\u00edho posouzen\u00ed, zda byla va\u0161e schopnost spl\u00e1cet prov\u011b\u0159ena odpov\u011bdn\u011b.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"spl\u00e1tkov\u00fd kalend\u00e1\u0159 p\u0159ehled, kdy a kolik m\u00e1te platit\">\n       <h2 id=\"splatkovy-kalendar\">Spl\u00e1tkov\u00fd kalend\u00e1\u0159<\/h2>\n       <h3>P\u0159ehled, kdy a kolik m\u00e1te platit<\/h3>\n       <p>Spl\u00e1tkov\u00fd kalend\u00e1\u0159 je jeden z nejd\u016fle\u017eit\u011bj\u0161\u00edch dokument\u016f pro zp\u011btnou kontrolu. Pom\u016f\u017ee zjistit, co bylo pl\u00e1nov\u00e1no a co jste skute\u010dn\u011b zaplatili. Pokud smlouvu nem\u00e1te, i star\u00fd kalend\u00e1\u0159 m\u016f\u017ee b\u00fdt u\u017eite\u010dn\u00fd podklad.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"spot\u0159ebitelsk\u00fd \u00fav\u011br \u00fav\u011br ur\u010den\u00fd spot\u0159ebiteli\">\n       <h2 id=\"spotrebitelsky-uver\">Spot\u0159ebitelsk\u00fd \u00fav\u011br<\/h2>\n       <h3>\u00dav\u011br ur\u010den\u00fd spot\u0159ebiteli<\/h3>\n       <p>Spot\u0159ebitelsk\u00fd \u00fav\u011br podl\u00e9h\u00e1 pravidl\u016fm, kter\u00e1 chr\u00e1n\u00ed \u010dlov\u011bka, kter\u00fd si p\u016fj\u010duje mimo sv\u00e9 podnik\u00e1n\u00ed. U star\u0161\u00edch smluv m\u00e1 smysl ov\u011b\u0159it, zda poskytovatel splnil sv\u00e9 povinnosti. Pokud ne, m\u016f\u017ee to m\u00edt dopad na to, kolik jste m\u011bli skute\u010dn\u011b platit.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"upom\u00ednka v\u00fdzva k \u00fahrad\u011b opo\u017ed\u011bn\u00e9 spl\u00e1tky\">\n       <h2 id=\"upominka\">Upom\u00ednka<\/h2>\n       <h3>V\u00fdzva k \u00fahrad\u011b opo\u017ed\u011bn\u00e9 spl\u00e1tky<\/h3>\n       <p>Upom\u00ednky mohou b\u00fdt zpoplatn\u011bn\u00e9. Pokud jste jich dost\u00e1vali mnoho, m\u016f\u017ee b\u00fdt u\u017eite\u010dn\u00e9 spo\u010d\u00edtat, kolik jste na nich zaplatili, a porovnat to se smlouvou a z\u00e1konn\u00fdmi limity.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"vr\u00e1cen\u00ed \u00farok\u016f po\u017eadavek na vr\u00e1cen\u00ed \u010d\u00e1sti nebo v\u0161ech zaplacen\u00fdch \u00farok\u016f\">\n       <h2 id=\"vraceni-uroku\">Vr\u00e1cen\u00ed \u00farok\u016f<\/h2>\n       <h3>Po\u017eadavek na vr\u00e1cen\u00ed \u010d\u00e1sti nebo v\u0161ech zaplacen\u00fdch \u00farok\u016f<\/h3>\n       <p>Vr\u00e1cen\u00ed \u00farok\u016f nen\u00ed automatick\u00e9. Mus\u00ed existovat konkr\u00e9tn\u00ed pr\u00e1vn\u00ed d\u016fvod. Kdy\u017e ale smlouva nebo postup poskytovatele vykazuje probl\u00e9m, m\u016f\u017ee pr\u00e1vn\u00ed \u0159e\u0161en\u00ed v\u00e9st k tomu, \u017ee klient dostane \u010d\u00e1st d\u0159\u00edve zaplacen\u00fdch pen\u011bz zp\u011bt.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"vym\u00e1h\u00e1n\u00ed postup, kter\u00fdm v\u011b\u0159itel po\u017eaduje zaplacen\u00ed dluhu\">\n       <h2 id=\"vymahani\">Vym\u00e1h\u00e1n\u00ed<\/h2>\n       <h3>Postup, kter\u00fdm v\u011b\u0159itel po\u017eaduje zaplacen\u00ed dluhu<\/h3>\n       <p>Vym\u00e1h\u00e1n\u00ed m\u016f\u017ee b\u00fdt mimosoudn\u00ed i soudn\u00ed. U star\u00e9ho p\u0159\u00edpadu m\u00e1 smysl schovat dopisy, e-maily a v\u00fdpisy, proto\u017ee pr\u00e1v\u011b z nich se d\u00e1 zjistit, co bylo po\u017eadov\u00e1no a co jste skute\u010dn\u011b zaplatili.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"v\u00fdpis plateb p\u0159ehled skute\u010dn\u011b zaplacen\u00fdch \u010d\u00e1stek\">\n       <h2 id=\"vypis-plateb\">V\u00fdpis plateb<\/h2>\n       <h3>P\u0159ehled skute\u010dn\u011b zaplacen\u00fdch \u010d\u00e1stek<\/h3>\n       <p>V\u00fdpis plateb \u010dasto uk\u00e1\u017ee v\u00edc ne\u017e samotn\u00e1 smlouva. D\u00e1 se z n\u011bj spo\u010d\u00edtat, kolik jste skute\u010dn\u011b zaplatili a za co. Pokud nem\u00e1te nic jin\u00e9ho, i bankovn\u00ed v\u00fdpisy mohou b\u00fdt cenn\u00fdm podkladem.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"v\u011b\u0159itel ten, komu dlu\u017e\u00edte pen\u00edze\">\n       <h2 id=\"veritel\">V\u011b\u0159itel<\/h2>\n       <h3>Ten, komu dlu\u017e\u00edte pen\u00edze<\/h3>\n       <p>V\u011b\u0159itelem m\u016f\u017ee b\u00fdt p\u016fvodn\u00ed poskytovatel nebo n\u011bkdo, kdo pohled\u00e1vku pozd\u011bji koupil. U star\u00e9ho \u00fav\u011bru je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, komu jste skute\u010dn\u011b platili a zda se pohled\u00e1vka mezit\u00edm nep\u0159ev\u00e1d\u011bla.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"zaji\u0161t\u011bn\u00fd \u00fav\u011br \u00fav\u011br kryt\u00fd majetkem nebo jin\u00fdm zaji\u0161t\u011bn\u00edm\">\n       <h2 id=\"zajisteny-uver\">Zaji\u0161t\u011bn\u00fd \u00fav\u011br<\/h2>\n       <h3>\u00dav\u011br kryt\u00fd majetkem nebo jin\u00fdm zaji\u0161t\u011bn\u00edm<\/h3>\n       <p>Zaji\u0161t\u011bn\u00fd \u00fav\u011br b\u00fdv\u00e1 spojen\u00fd se z\u00e1stavou, ru\u010ditelem nebo jin\u00fdm zabezpe\u010den\u00edm. Pokud \u0161lo o star\u0161\u00ed nebankovn\u00ed \u00fav\u011br, doporu\u010duje se uchovat v\u0161echny smlouvy a dodatky a nechat p\u0159\u00edpad posoudit jako celek.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"zesplatn\u011bn\u00ed po\u017eadavek zaplatit cel\u00fd zbytek dluhu najednou\">\n       <h2 id=\"zesplatneni\">Zesplatn\u011bn\u00ed<\/h2>\n       <h3>Po\u017eadavek zaplatit cel\u00fd zbytek dluhu najednou<\/h3>\n       <p>Zesplatn\u011bn\u00ed m\u016f\u017ee p\u0159ij\u00edt po poru\u0161en\u00ed podm\u00ednek smlouvy. Pokud v\u00e1m v\u011b\u0159itel n\u00e1hle po\u017eadoval cel\u00fd zbytek \u00fav\u011bru, je d\u016fle\u017eit\u00e9 dohledat dopisy a smluvn\u00ed podm\u00ednky. Pr\u00e1v\u011b tam se d\u00e1 ov\u011b\u0159it, zda byl postup spr\u00e1vn\u00fd.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru pr\u00e1vn\u00ed r\u00e1mec pro poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f\">\n       <h2 id=\"zakon-o-spotrebitelskem-uveru\">Z\u00e1kon o spot\u0159ebitelsk\u00e9m \u00fav\u011bru<\/h2>\n       <h3>Pr\u00e1vn\u00ed r\u00e1mec pro poskytov\u00e1n\u00ed spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f<\/h3>\n       <p>Z\u00e1kon stanovuje povinnosti poskytovatel\u016f i pr\u00e1va spot\u0159ebitel\u016f. U star\u0161\u00edch smluv z\u00e1le\u017e\u00ed na tom, jak\u00e1 pr\u00e1vn\u00ed \u00faprava platila v dob\u011b uzav\u0159en\u00ed. Proto se v\u017edy \u0159e\u0161\u00ed konkr\u00e9tn\u00ed rok a konkr\u00e9tn\u00ed dokument.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"z\u00e1stava majetek pou\u017eit\u00fd jako zaji\u0161t\u011bn\u00ed dluhu\">\n       <h2 id=\"zastava\">Z\u00e1stava<\/h2>\n       <h3>Majetek pou\u017eit\u00fd jako zaji\u0161t\u011bn\u00ed dluhu<\/h3>\n       <p>Z\u00e1stava d\u00e1v\u00e1 v\u011b\u0159iteli siln\u011bj\u0161\u00ed postaven\u00ed, pokud dlu\u017en\u00edk nespl\u00e1c\u00ed. U \u00fav\u011br\u016f zaji\u0161t\u011bn\u00fdch nemovitost\u00ed je zvl\u00e1\u0161\u0165 d\u016fle\u017eit\u00e9 pe\u010dliv\u011b prov\u011b\u0159it smlouvu, podm\u00ednky a cel\u00fd pr\u016fb\u011bh spl\u00e1cen\u00ed.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"\u00farok cena za p\u016fj\u010den\u00e9 pen\u00edze\">\n       <h2 id=\"urok\">\u00darok<\/h2>\n       <h3>Cena za p\u016fj\u010den\u00e9 pen\u00edze<\/h3>\n       <p>\u00darok je \u010d\u00e1stka, kterou plat\u00edte nav\u00edc za to, \u017ee jste si p\u016fj\u010dili. U star\u0161\u00edch nebankovn\u00edch smluv b\u00fdv\u00e1 pr\u00e1v\u011b v\u00fd\u0161e \u00faroku jeden z prvn\u00edch d\u016fvod\u016f, pro\u010d lid\u00e9 za\u010dnou po\u010d\u00edtat, kolik vlastn\u011b p\u0159eplatili. Samotn\u00fd vysok\u00fd \u00farok automaticky neznamen\u00e1 nez\u00e1konnost, ale m\u016f\u017ee b\u00fdt d\u016fvodem k pr\u00e1vn\u00edmu posouzen\u00ed.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"\u00farok z prodlen\u00ed \u00farok za opo\u017ed\u011bnou platbu\">\n       <h2 id=\"urok-z-prodleni\">\u00darok z prodlen\u00ed<\/h2>\n       <h3>\u00darok za opo\u017ed\u011bnou platbu<\/h3>\n       <p>\u00darok z prodlen\u00ed se po\u010d\u00edt\u00e1 p\u0159i pozdn\u00edm placen\u00ed. Pokud se dluh rychle zv\u011bt\u0161oval, je dobr\u00e9 rozli\u0161it b\u011b\u017en\u00fd \u00farok, \u00farok z prodlen\u00ed a dal\u0161\u00ed sankce. Teprve pak je vid\u011bt, co jste skute\u010dn\u011b zaplatili nav\u00edc.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"\u00fav\u011brov\u00fd r\u00e1mec maxim\u00e1ln\u00ed \u010d\u00e1stka, kterou lze u revolvingu \u010derpat\">\n       <h2 id=\"uverovy-ramec\">\u00dav\u011brov\u00fd r\u00e1mec<\/h2>\n       <h3>Maxim\u00e1ln\u00ed \u010d\u00e1stka, kterou lze u revolvingu \u010derpat<\/h3>\n       <p>\u00dav\u011brov\u00fd r\u00e1mec nen\u00ed tot\u00e9\u017e co skute\u010dn\u011b p\u016fj\u010den\u00e1 \u010d\u00e1stka. U revolvingu proto d\u00e1v\u00e1 smysl zkontrolovat \u010derp\u00e1n\u00ed, spl\u00e1tky a poplatky. Teprve z historie pohyb\u016f se d\u00e1 poznat, kolik v\u00e1s \u00fav\u011br opravdu st\u00e1l.<\/p>\n      <\/article>\n          <article class=\"big-glossary-card\" data-term=\"\u00fav\u011bruschopnost schopnost \u00fav\u011br dlouhodob\u011b spl\u00e1cet\">\n       <h2 id=\"uveruschopnost\">\u00dav\u011bruschopnost<\/h2>\n       <h3>Schopnost \u00fav\u011br dlouhodob\u011b spl\u00e1cet<\/h3>\n       <p>Poskytovatel m\u00e1 u spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f posuzovat, zda klient zvl\u00e1dne spl\u00e1cet. Pokud byla p\u016fj\u010dka poskytnuta \u010dlov\u011bku, kter\u00fd ji objektivn\u011b nemohl zvl\u00e1dnout, m\u016f\u017ee b\u00fdt zp\u016fsob posouzen\u00ed d\u016fle\u017eitou sou\u010d\u00e1st\u00ed pr\u00e1vn\u00edho prov\u011b\u0159en\u00ed.<\/p>\n      <\/article>\n        <\/section>\n   <\/main>\n     <footer class=\"finance-unified-footer\"><b>Berger, Hor\u00e1\u010dek &amp; partne\u0159i s.r.o.<\/b><span>\u00a9 2026 \u2022 <a href=\"tel:+420722252533\">+420 722 252 533<\/a> \u2022 <a href=\"mailto:navratime@navratime.cz\">navratime@navratime.cz<\/a> \u2022 <a href=\"https:\/\/www.navratime.cz\/gdpr\/\">Ochrana osobn\u00edch \u00fadaj\u016f<\/a> \u2022 <a href=\"https:\/\/www.navratime.cz\/obchodni-podminky\/\">Obchodn\u00ed podm\u00ednky<\/a><\/span><\/footer>\n    <\/div>\n  \n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"class_list":["post-150","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Slovn\u00edk pojm\u016f - Navr\u00e1t\u00edme.cz<\/title>\n<meta name=\"description\" content=\"Slovn\u00edk pojm\u016f \u2013 Finan\u010dn\u00ed slovn\u00edk s vysv\u011btlen\u00edm d\u016fle\u017eit\u00fdch pojm\u016f a term\u00edn\u016f\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.navratime.cz\/index.php\/slovnik\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Slovn\u00edk pojm\u016f - Navr\u00e1t\u00edme.cz\" \/>\n<meta property=\"og:description\" content=\"Slovn\u00edk pojm\u016f \u2013 Finan\u010dn\u00ed slovn\u00edk s vysv\u011btlen\u00edm d\u016fle\u017eit\u00fdch pojm\u016f a term\u00edn\u016f\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.navratime.cz\/index.php\/slovnik\/\" \/>\n<meta property=\"og:site_name\" content=\"Navr\u00e1t\u00edme.cz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/slovnik\\\/\",\"url\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/slovnik\\\/\",\"name\":\"Slovn\u00edk pojm\u016f - Navr\u00e1t\u00edme.cz\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/#website\"},\"datePublished\":\"2026-08-26T07:48:55+00:00\",\"description\":\"Slovn\u00edk pojm\u016f \u2013 Finan\u010dn\u00ed slovn\u00edk s vysv\u011btlen\u00edm d\u016fle\u017eit\u00fdch pojm\u016f a term\u00edn\u016f\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/slovnik\\\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/slovnik\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/index.php\\\/slovnik\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\\\/\\\/www.navratime.cz\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Slovn\u00edk pojm\u016f\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.navratime.cz\\\/#website\",\"url\":\"https:\\\/\\\/www.navratime.cz\\\/\",\"name\":\"Navr\u00e1t\u00edme.cz\",\"description\":\"Vr\u00e1t\u00edme v\u00e1m v\u00edc jak konkurence\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.navratime.cz\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Slovn\u00edk pojm\u016f - Navr\u00e1t\u00edme.cz","description":"Slovn\u00edk pojm\u016f \u2013 Finan\u010dn\u00ed slovn\u00edk s vysv\u011btlen\u00edm d\u016fle\u017eit\u00fdch pojm\u016f a term\u00edn\u016f","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.navratime.cz\/index.php\/slovnik\/","og_locale":"cs_CZ","og_type":"article","og_title":"Slovn\u00edk pojm\u016f - Navr\u00e1t\u00edme.cz","og_description":"Slovn\u00edk pojm\u016f \u2013 Finan\u010dn\u00ed slovn\u00edk s vysv\u011btlen\u00edm d\u016fle\u017eit\u00fdch pojm\u016f a term\u00edn\u016f","og_url":"https:\/\/www.navratime.cz\/index.php\/slovnik\/","og_site_name":"Navr\u00e1t\u00edme.cz","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.navratime.cz\/index.php\/slovnik\/","url":"https:\/\/www.navratime.cz\/index.php\/slovnik\/","name":"Slovn\u00edk pojm\u016f - Navr\u00e1t\u00edme.cz","isPartOf":{"@id":"https:\/\/www.navratime.cz\/#website"},"datePublished":"2026-08-26T07:48:55+00:00","description":"Slovn\u00edk pojm\u016f \u2013 Finan\u010dn\u00ed slovn\u00edk s vysv\u011btlen\u00edm d\u016fle\u017eit\u00fdch pojm\u016f a term\u00edn\u016f","breadcrumb":{"@id":"https:\/\/www.navratime.cz\/index.php\/slovnik\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.navratime.cz\/index.php\/slovnik\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.navratime.cz\/index.php\/slovnik\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.navratime.cz\/"},{"@type":"ListItem","position":2,"name":"Slovn\u00edk pojm\u016f"}]},{"@type":"WebSite","@id":"https:\/\/www.navratime.cz\/#website","url":"https:\/\/www.navratime.cz\/","name":"Navr\u00e1t\u00edme.cz","description":"Vr\u00e1t\u00edme v\u00e1m v\u00edc jak konkurence","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.navratime.cz\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"}]}},"_links":{"self":[{"href":"https:\/\/www.navratime.cz\/index.php\/wp-json\/wp\/v2\/pages\/150","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.navratime.cz\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.navratime.cz\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.navratime.cz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.navratime.cz\/index.php\/wp-json\/wp\/v2\/comments?post=150"}],"version-history":[{"count":0,"href":"https:\/\/www.navratime.cz\/index.php\/wp-json\/wp\/v2\/pages\/150\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.navratime.cz\/index.php\/wp-json\/wp\/v2\/media?parent=150"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}