Půjčky jsou dnes velmi snadno dostupné, což však může některé lidi dostat do potíží. Přesto, že nový zákon o spotřebitelském úvěru nastavuje bezpečnější prostředí požadavkem na důkladné prověření úvěruschopnosti zákazníků, stále platí, že by se lidé měli zadlužovat obezřetně. Pojďme se podívat, na které otázky si musíte odpovědět ještě před žádostí o půjčku.
Chci si půjčit nebo si potřebuji půjčit?
Klíčové rozhodnutí. Dvě zdánlivě podobné otázky je potřeba rozlišovat. Ukazuje se, že lidé se často zadlužují kvůli zbytným věcem, jako je dovolená nebo nákup vánočních dárků. Právě v předvánočním období roste zájem o úvěry několikanásobně. Je dobré se zamyslet a sami sobě si odpovědět, zda si na některé věci musíte opravdu půjčovat. Pokud zvládnete splácet, pravděpodobně byste si dokázali tvořit rezervu například na spořicím účtu.
Dokáži půjčku splácet?
To poznáte lehce. Zamítnul-li vám již nějaký poskytovatel žádost o půjčku, obdrželi jste jasný signál, že něco není v pořádku. Nepokoušejte se tedy za každou cenu uspět jinde. „Nabídky slibující „půjčky bez registrů“ jsou spíše marketingovým trikem. Nový zákon o spotřebitelském úvěru zavedl povinnost důkladného prověření bonity žadatele o úvěr. I když nestanovuje, jakým způsobem, je zřejmé, že primární jsou registry klientských informací,“ upozorňuje Robin Stránský, marketingový manažer české společnosti TOMMY STACHI. „Pokud někdo řádně neprověřuje úvěruschopnost žadatele o půjčku, pouští se na tenký led, protože se na takovou společnost může zaměřit centrální banka jako dozorový orgán,“ dodává Robin Stránský.
Co když si to rozmyslím?
Zákon o spotřebitelském úvěru definuje něco jako lhůtu na rozmyšlenou. Poskytovatel vám tak musí vytvořit konkrétní nabídku, jejíž podmínky vám garantuje dalších 14 dní. „Ideální postup každého zájemce o půjčku by tak měl být oslovit několik poskytovatelů a nechat si od každého z nich vyhotovit nabídku,“ doporučuje Robin Stránský. Žadatel má následně skvělé podklady pro to, aby si vybral nejvýhodnější půjčku.
Jednám se seriózním poskytovatelem?
Ověřte si to. Trh poskytovatelů spotřebitelských úvěrů se díky novému zákonu značně pročistil. Na stránkách České národní banky naleznete seznam subjektů oprávněných poskytovat půjčky podle nových podmínek. Jedná se o společnosti již licencované, ale také o poskytovatele působící nyní v provizorním režimu takzvaného přechodného období. Prověřte si proto, zda si půjčujete od poskytovatele, který vyhovuje nové přísnější legislativě.
Vím všechno potřebné?
Hledejte a vyžadujte transparentnost. Zvažte ještě před podpisem smlouvy, zda jste obeznámeni se všemi podmínkami, poplatky a zda smlouvě rozumíte. Seriózní poskytovatelé mají veškeré dokumenty předem k dispozici na webových stránkách, nemělo by se vám proto stát, že smlouvu uvidíte až těsně před jejím podpisem. Problematické jsou internetové srovnávače. „Téměř všechny srovnávače jsou jen zprostředkovatelé a mnohdy rozesílají údaje zadané uživatelem na více poskytovatelů. V okamžiku, kdy odesíláte vyplněný online formulář tak nemůžete vědět, kolik, zda vůbec a kdo vám půjčí,“ varuje Robin Stránský. Nevíte tedy, ke komu se vaše údaje dostaly a kdo vám bude volat.
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