[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.pictureup.cz\/mala-pujcka-do-vyplaty-co-lide-tvrdi-a-co-plati-doopravdy\/#Article","mainEntityOfPage":"https:\/\/www.pictureup.cz\/mala-pujcka-do-vyplaty-co-lide-tvrdi-a-co-plati-doopravdy\/","headline":"Mal\u00e1 p\u016fj\u010dka do v\u00fdplaty: co lid\u00e9 tvrd\u00ed a co plat\u00ed doopravdy","name":"Mal\u00e1 p\u016fj\u010dka do v\u00fdplaty: co lid\u00e9 tvrd\u00ed a co plat\u00ed doopravdy","description":"Vypov\u00ed v\u00e1m auto slu\u017ebu uprost\u0159ed m\u011bs\u00edce, rozbije se pra\u010dka nebo doraz\u00ed nedoplatek za energie zrovna v t\u00fddnu, kdy je na \u00fa\u010dtu nejm\u00e9n\u011b? Do v\u00fdplaty zb\u00fdv\u00e1 … ","datePublished":"2026-10-03","dateModified":"2026-10-03","author":{"@type":"Person","@id":"https:\/\/www.pictureup.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.pictureup.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"pictureup.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.pictureup.cz\/wp-content\/uploads\/obnos_penez_USYMhX.jpg","url":"https:\/\/www.pictureup.cz\/wp-content\/uploads\/obnos_penez_USYMhX.jpg","height":0,"width":0},"url":"https:\/\/www.pictureup.cz\/mala-pujcka-do-vyplaty-co-lide-tvrdi-a-co-plati-doopravdy\/","about":["Internet"],"wordCount":1268,"articleBody":"        Vypov\u00ed v\u00e1m auto slu\u017ebu uprost\u0159ed m\u011bs\u00edce, rozbije se pra\u010dka nebo doraz\u00ed nedoplatek za energie zrovna v t\u00fddnu, kdy je na \u00fa\u010dtu nejm\u00e9n\u011b? Do v\u00fdplaty zb\u00fdv\u00e1 deset dn\u00ed a oprava nepo\u010dk\u00e1. Mal\u00e1 p\u016fj\u010dka do v\u00fdplaty b\u00fdv\u00e1 v takov\u00e9 chv\u00edli jedn\u00edm z \u0159e\u0161en\u00ed, jen\u017ee kolem n\u00ed koluje v\u00edc domn\u011bnek ne\u017e ov\u011b\u0159en\u00fdch informac\u00ed. N\u011bkdo ji bere jako neform\u00e1ln\u00ed v\u00fdpomoc, n\u011bkdo v\u011b\u0159\u00ed, \u017ee je v\u017edycky zdarma, jin\u00fd \u010dek\u00e1 ov\u011b\u0159ovac\u00ed telefon\u00e1t nebo se chyst\u00e1 vysv\u011btlovat, na co pen\u00edze pot\u0159ebuje. Vyplat\u00ed se proj\u00edt p\u011bt nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00edch omyl\u016f jeden po druh\u00e9m \u2013 a ke ka\u017ed\u00e9mu p\u0159idat, co plat\u00ed doopravdy. Mal\u00e1 p\u016fj\u010dka do v\u00fdplaty je spot\u0159ebitelsk\u00fd \u00fav\u011br se smlouvou, ne neform\u00e1ln\u00ed v\u00fdpomoc  \u201eJe to jen p\u00e1r tis\u00edc na p\u00e1r dn\u00ed, \u017e\u00e1dn\u00e1 smlouva, prost\u011b v\u00fdpomoc.\u201c Tak zn\u00ed prvn\u00ed omyl. Ve skute\u010dnosti je i mal\u00e1 p\u016fj\u010dka do v\u00fdplaty spot\u0159ebitelsk\u00fd \u00fav\u011br: vznik\u00e1 smlouvou o p\u016fj\u010dce, kter\u00e9 p\u0159edch\u00e1z\u00ed p\u0159edsmluvn\u00ed formul\u00e1\u0159 s parametry nab\u00eddky \u2013 oboj\u00ed si m\u016f\u017eete p\u0159e\u010d\u00edst d\u0159\u00edv, ne\u017e \u017e\u00e1dost ode\u0161lete. \u017de smlouva vznik\u00e1 online, na jej\u00ed z\u00e1vaznosti nic nem\u011bn\u00ed: povinnost uhradit v den splatnosti celkovou splatnou \u010d\u00e1stku plat\u00ed stejn\u011b. Ru\u010ditel ani n\u00e1v\u0161t\u011bva pobo\u010dky se nevy\u017eaduj\u00ed, cel\u00e9 sjedn\u00e1n\u00ed prob\u011bhne z telefonu nebo po\u010d\u00edta\u010de. Rozmez\u00ed je dan\u00e9 p\u0159esn\u011b: nov\u00fd klient si m\u016f\u017ee p\u016fj\u010dit od 1 000 do nejv\u00fd\u0161e 20 000 K\u010d, strop 30 000 K\u010d se otev\u00edr\u00e1 a\u017e opakovan\u00fdm klient\u016fm, kte\u0159\u00ed p\u0159edchoz\u00ed p\u016fj\u010dku splatili v\u010das. Splatnost si \u017eadatel vol\u00ed s\u00e1m, nejd\u00e9le 30 dn\u00ed \u2013 a m\u00e1 smysl nastavit ji podle data v\u00fdplaty, ne podle toho, kolik dn\u00ed podm\u00ednky maxim\u00e1ln\u011b dovol\u00ed. \u201eZdarma\u201c neplat\u00ed automaticky \u2013 jen u prvn\u00ed p\u016fj\u010dky do 20 000 K\u010d se splatnost\u00ed 10 dn\u00ed  \u201ePrvn\u00ed p\u016fj\u010dka je zdarma, tak\u017ee vr\u00e1t\u00edm jen to, co si p\u016fj\u010d\u00edm.\u201c To plat\u00ed jen za dvou podm\u00ednek sou\u010dasn\u011b \u2013 druh\u00fd omyl vznik\u00e1 t\u00edm, \u017ee lid\u00e9 znaj\u00ed jen jednu z nich. Zdarma znamen\u00e1 stoprocentn\u00ed slevu na poplatek za poskytnut\u00ed \u00fav\u011bru a vztahuje se v\u00fdhradn\u011b na prvn\u00ed p\u016fj\u010dku nov\u00e9ho klienta. Podm\u00ednka prvn\u00ed: \u010d\u00e1stka nejv\u00fd\u0161e 20 000 K\u010d. Podm\u00ednka druh\u00e1: splatnost 10 dn\u00ed. Kdo si u prvn\u00ed \u017e\u00e1dosti nastav\u00ed splatnost del\u0161\u00ed, t\u0159eba 20 nebo 30 dn\u00ed, poplatek u\u017e plat\u00ed, i kdy\u017e je \u010d\u00e1stka pod limitem. U opakovan\u00e9 p\u016fj\u010dky s poplatkem za poskytnut\u00ed po\u010d\u00edtejte. Desetidenn\u00ed splatnost proto d\u00e1v\u00e1 smysl tomu, komu v\u00fdplata p\u0159ijde do deseti dn\u00ed od \u010derp\u00e1n\u00ed. Kdo v\u00ed, \u017ee pen\u00edze dostane a\u017e za t\u0159i t\u00fddny, by si ji nem\u011bl volit jen kv\u016fli slev\u011b \u2013 splatnost, kter\u00e1 neodpov\u00edd\u00e1 datu p\u0159\u00edjmu, se nevyplat\u00ed ani zdarma.  Ov\u011b\u0159ovac\u00ed hovor nep\u0159ijde \u2013 toto\u017enost potvrzujete p\u0159es svou banku, ne po telefonu  \u201ePo odesl\u00e1n\u00ed \u017e\u00e1dosti mi n\u011bkdo zavol\u00e1 a projde se mnou \u00fadaje.\u201c T\u0159et\u00ed omyl p\u0159edpokl\u00e1d\u00e1, \u017ee toto\u017enost mus\u00ed ov\u011b\u0159it \u010dlov\u011bk na druh\u00e9m konci linky. U bezkontaktn\u00ed p\u016fj\u010dky tenhle krok obstar\u00e1 Bank iD: p\u0159ihl\u00e1s\u00edte se do sv\u00e9 banky stejn\u011b, jako kdy\u017e kontrolujete z\u016fstatek, a banka poskytovateli potvrd\u00ed, \u017ee jste to opravdu vy. Nikdo nemus\u00ed nic \u010d\u00edst nahlas ani si domlouvat zp\u011btn\u00e9 zavol\u00e1n\u00ed \u2013 hovor by nem\u011bl co ov\u011b\u0159ovat, a proto nep\u0159ijde. Kdo Bank iD nem\u00e1, m\u016f\u017ee toto\u017enost potvrdit ov\u011b\u0159ovac\u00ed platbou; ani jedna cesta nevy\u017eaduje telefon\u00e1t. Od vypln\u011bn\u00ed formul\u00e1\u0159e po p\u0159ips\u00e1n\u00ed pen\u011bz tak prob\u011bhne v\u0161echno, ani\u017e by v\u00e1m ze strany poskytovatele jedinkr\u00e1t zazvonil telefon. Rozhodnut\u00ed o \u017e\u00e1dosti se dozv\u00edte online do n\u011bkolika minut a pen\u00edze doraz\u00ed podle pravidel va\u0161\u00ed banky \u2013 u n\u011bkter\u00fdch bank do 15 minut, jinak n\u00e1sleduj\u00edc\u00ed pracovn\u00ed den. Nikdo neposuzuje, na co pen\u00edze jdou, \u00fa\u010del p\u016fj\u010dky se nedokl\u00e1d\u00e1  \u201eBudu muset vysv\u011btlit, na co pen\u00edze pot\u0159ebuji, a dolo\u017eit to.\u201c \u010ctvrt\u00fd omyl m\u00e1 ko\u0159eny v \u00fa\u010delov\u00fdch \u00fav\u011brech, kde se \u00fa\u010del prokazuje fakturou nebo kupn\u00ed smlouvou. U kr\u00e1tkodob\u00e9 p\u016fj\u010dky do v\u00fdplaty se na d\u016fvod nikdo nept\u00e1 a nic se k n\u011bmu nedokl\u00e1d\u00e1, ani p\u0159i \u017e\u00e1dosti, ani dodate\u010dn\u011b. Zda jde o opravu auta, nedoplatek za energie nebo rozbitou pra\u010dku, je v\u00fdhradn\u011b v\u011bc\u00ed \u017eadatele \u2013 rozumn\u00e9 pou\u017eit\u00ed si ale mus\u00ed pohl\u00eddat s\u00e1m: vhodn\u00e9 je p\u016fj\u010dit si na jednor\u00e1zov\u00fd v\u00fddaj, kter\u00fd na v\u00fdplatu nepo\u010dk\u00e1, a jen \u010d\u00e1stku, kter\u00e1 skute\u010dn\u011b chyb\u00ed, ne zaokrouhlenou nahoru \u201epro jistotu\u201c. Sou\u010d\u00e1st\u00ed rozhodnut\u00ed by m\u011bl b\u00fdt tak\u00e9 pl\u00e1n splacen\u00ed: z jak\u00e9ho p\u0159\u00edjmu a ke kter\u00e9mu dni se celkov\u00e1 splatn\u00e1 \u010d\u00e1stka vr\u00e1t\u00ed. Pokud pen\u00edze chyb\u011bj\u00ed m\u011bs\u00edc co m\u011bs\u00edc, kr\u00e1tkodob\u00fd \u00fav\u011br situaci nevy\u0159e\u0161\u00ed \u2013 p\u0159\u00ed\u010dina je v rozpo\u010dtu, ne v datu v\u00fdplaty.  RPSN nen\u00ed cena p\u016fj\u010dky, ale srovn\u00e1vac\u00ed \u00fadaj \u2013 zaplacenou \u010d\u00e1stku ukazuje reprezentativn\u00ed p\u0159\u00edklad  \u201eRPSN p\u0159es p\u011bt tis\u00edc procent znamen\u00e1, \u017ee vr\u00e1t\u00edm mnohon\u00e1sobek toho, co si p\u016fj\u010d\u00edm.\u201c P\u00e1t\u00fd omyl zam\u011b\u0148uje dva r\u016fzn\u00e9 \u00fadaje. RPSN, ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f, je z\u00e1konn\u00fd ukazatel pro porovn\u00e1n\u00ed nab\u00eddek: v\u0161echny n\u00e1klady \u00fav\u011bru p\u0159epo\u010d\u00edt\u00e1v\u00e1 na jeden rok, a\u0165 je p\u016fj\u010dka sjednan\u00e1 na 30 dn\u00ed, nebo na p\u011bt let. U t\u0159icetidenn\u00ed p\u016fj\u010dky se n\u00e1klad za jeden m\u011bs\u00edc prom\u00edtne do cel\u00e9ho roku, proto RPSN vych\u00e1z\u00ed v tis\u00edc\u00edch procent \u2013 u kr\u00e1tk\u00e9 p\u016fj\u010dky s poplatkem b\u00fdv\u00e1 vysok\u00e1 a sama ne\u0159\u00edk\u00e1, kolik korun zaplat\u00edte. Tu \u010d\u00e1stku ukazuje reprezentativn\u00ed p\u0159\u00edklad poskytovatele: p\u0159i p\u016fj\u010dce 1 000 K\u010d na 30 dn\u00ed je celkov\u00e1 \u010d\u00e1stka splatn\u00e1 spot\u0159ebitelem 1 390 K\u010d \u2013 a pr\u00e1v\u011b tohle \u010d\u00edslo se porovn\u00e1v\u00e1 s t\u00edm, co po v\u00fdplat\u011b zbude na b\u011b\u017en\u00e9 v\u00fddaje. RPSN samotn\u00e1 tedy nen\u00ed cena, n\u00e1klady se ale p\u0159ehl\u00ed\u017eet nedaj\u00ed: rozd\u00edl mezi p\u016fj\u010denou a vr\u00e1cenou \u010d\u00e1stkou je v\u00fddaj, se kter\u00fdm je pot\u0159eba v rozpo\u010dtu po\u010d\u00edtat p\u0159edem. \u010c\u00e1stku pro jinou v\u00fd\u0161i nebo splatnost uk\u00e1\u017ee kalkula\u010dka na webu poskytovatele p\u0159ed odesl\u00e1n\u00edm \u017e\u00e1dosti. P\u011bt omyl\u016f m\u00e1 spole\u010dn\u00e9ho jmenovatele: lid\u00e9 si o mal\u00e9 p\u016fj\u010dce dom\u00fd\u0161lej\u00ed v\u00edc, ne\u017e kolik stoj\u00ed v podm\u00ednk\u00e1ch. \u017d\u00e1dosti se p\u0159ij\u00edmaj\u00ed nep\u0159etr\u017eit\u011b \u2013 p\u016fj\u010dka 24 hodin denn\u011b je dostupn\u00e1 i v sobotu ve\u010der nebo ve sv\u00e1tek; term\u00edn p\u0159ips\u00e1n\u00ed pen\u011bz na \u00fa\u010det ale ur\u010duje va\u0161e banka. Pokud hled\u00e1te p\u016fj\u010dku, u kter\u00e9 v\u00e1s nikdo nebude kontaktovat telefonem a kterou vy\u0159\u00edd\u00edte celou online bez ru\u010ditele i bez pobo\u010dky, pod\u00edvejte se na P\u016fj\u010dkaBezVol\u00e1n\u00ed \u2013 a p\u0159ed odesl\u00e1n\u00edm \u017e\u00e1dosti si ov\u011b\u0159te, \u017ee celkovou splatnou \u010d\u00e1stku pokryje va\u0161e v\u00fdplata a den splatnosti p\u0159ipadne a\u017e po n\u00ed. Reprezentativn\u00ed p\u0159\u00edklad: Celkov\u00e1 v\u00fd\u0161e spot\u0159ebitelsk\u00e9ho \u00fav\u011bru 1000 K\u010d, Doba trv\u00e1n\u00ed 30 dn\u00ed, Poplatek za poskytnut\u00ed \u00fav\u011bru 360 K\u010d, Ro\u010dn\u00ed \u00farokov\u00e1 sazba 36,5 %, RPSN 5395,58 %, Celkov\u00e1 \u010d\u00e1stka splatn\u00e1 spot\u0159ebitelem 1390 K\u010d.                                                                                                                                                                                                                                                                                                                                                                                                  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