{"id":3876,"date":"2024-10-10T21:03:23","date_gmt":"2024-10-10T20:03:23","guid":{"rendered":"https:\/\/www.lidaybasaryova.sk\/?p=3876"},"modified":"2024-10-11T08:05:14","modified_gmt":"2024-10-11T07:05:14","slug":"nove-kriteria-pre-zosplatnenie-uverov","status":"publish","type":"post","link":"https:\/\/www.lidaybasaryova.sk\/en\/nove-kriteria-pre-zosplatnenie-uverov\/","title":{"rendered":"New criteria for loan acceleration from November 2024"},"content":{"rendered":"<p>Prijatou novelou Ob\u010dianskeho z\u00e1konn\u00edka sa s&nbsp;\u00fa\u010dinnos\u0165ou od 01.11.2024 zav\u00e1dzaj\u00fa nov\u00e9 krit\u00e9ri\u00e1 pre zosplatnenie spotrebite\u013esk\u00fdch \u00faverov.<\/p>\n\n\n\n<p><strong>Zmeny v spotrebite\u013eskom pr\u00e1ve s\u00fa d\u00f4le\u017eit\u00e9 pre spotrebite\u013eov, ale aj podnikate\u013eov, ktor\u00ed svoje tovary a slu\u017eby pon\u00fakaj\u00fa spotrebite\u013eom. Pokia\u013e m\u00e1te ot\u00e1zky k novej pr\u00e1vnej \u00faprave, <a href=\"https:\/\/www.lidaybasaryova.sk\/en\/kontakt\/\" data-type=\"link\" data-id=\"https:\/\/www.lidaybasaryova.sk\/kontakt\/\">m\u00f4\u017eete sa na n\u00e1s obr\u00e1ti\u0165<\/a>. Pom\u00f4\u017eeme v\u00e1m s <a href=\"https:\/\/www.lidaybasaryova.sk\/en\/aktualizacia-vseobecnych-obchodnych-podmienok\/\" data-type=\"link\" data-id=\"https:\/\/www.lidaybasaryova.sk\/aktualizacia-vseobecnych-obchodnych-podmienok\/\">aktualiz\u00e1ciou va\u0161ich v\u0161eobecn\u00fdch obchodn\u00fdch podmienok, reklama\u010dn\u00fdch poriadkov podmienok pou\u017e\u00edvania, alebo in\u00fdch intern\u00fdch dokumentov<\/a> tak, aby boli v s\u00falade s novou pr\u00e1vnou \u00fapravou.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.lidaybasaryova.sk\/en\/aktualizacia-vseobecnych-obchodnych-podmienok\/\" data-type=\"link\" data-id=\"https:\/\/www.lidaybasaryova.sk\/aktualizacia-vseobecnych-obchodnych-podmienok\/\"><strong>Update of general terms and conditions<\/strong><\/a><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.lidaybasaryova.sk\/en\/2021-ako-sa-da-podat-navrh-na-vydanie-platobneho-rozkazu\/\" data-type=\"link\" data-id=\"https:\/\/www.lidaybasaryova.sk\/2021-ako-sa-da-podat-navrh-na-vydanie-platobneho-rozkazu\/\">How to apply for an payment order in Slovakia<\/a> S vym\u00e1han\u00edm Va\u0161ich poh\u013ead\u00e1vok V\u00e1m radi <a href=\"https:\/\/www.lidaybasaryova.sk\/en\/kontakt\/\" data-type=\"link\" data-id=\"https:\/\/www.lidaybasaryova.sk\/kontakt\/\">pom\u00f4\u017eeme<\/a>.<\/strong><\/li>\n\n\n\n<li><a href=\"https:\/\/www.lidaybasaryova.sk\/en\/zakazane-praktiky-pri-vymahani-pohladavok\/\" data-type=\"link\" data-id=\"https:\/\/www.lidaybasaryova.sk\/zakazane-praktiky-pri-vymahani-pohladavok\/\"><strong>Prohibited practices in debt recovery<\/strong><\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Zos\u00faladenie s&nbsp;eur\u00f3pskou legislat\u00edvou<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.slov-lex.sk\/pravne-predpisy\/SK\/ZZ\/2024\/254\/20241101.html\" data-type=\"link\" data-id=\"https:\/\/www.slov-lex.sk\/pravne-predpisy\/SK\/ZZ\/2024\/254\/20241101.html\">Novelou<\/a> doch\u00e1dza k&nbsp;zos\u00faladeniu slovenskej pr\u00e1vnej \u00faprave zakotvenej v&nbsp;Ob\u010dianskom z\u00e1konn\u00edku s&nbsp;legislat\u00edvou Eur\u00f3pskej \u00fanie. Prijatie novely je reakciou na z\u00e1very S\u00fadneho dvora Eur\u00f3pskej \u00fanie prezentovan\u00e9 v rozsudku \u010d. C 598\/21 vo veci SP, CI verzus V\u0161eobecn\u00e1 \u00faverov\u00e1 banka a. s., ktor\u00e9 pouk\u00e1zali na nes\u00falad vn\u00fatro\u0161t\u00e1tnej pr\u00e1vnej \u00fapravy s pr\u00e1vnymi normami Eur\u00f3pskej \u00fanie, najm\u00e4 so smernicou Rady 93\/13\/EHS z 5. apr\u00edla 1993 o nekal\u00fdch podmienkach v spotrebite\u013esk\u00fdch zmluv\u00e1ch (\u00da. v. ES L 95, 21.4.1993)<\/p>\n\n\n\n<p>S\u00fadny dvor uviedol, \u017ee s\u00fa\u010dasn\u00e1 pr\u00e1vna \u00faprava nezoh\u013ead\u0148uje proporcionalitu mo\u017enosti priznanej predajcovi\/obchodn\u00edkovi uplatni\u0165 pr\u00e1vo, ktor\u00e9 mu vypl\u00fdva z klauzuly o pred\u010dasnej splatnosti obsiahnutej v zmluve o \u00favere, s oh\u013eadom na krit\u00e9ri\u00e1 s\u00favisiace najm\u00e4 so z\u00e1va\u017enos\u0165ou nesplnenia zmluvn\u00fdch povinnost\u00ed zo strany spotrebite\u013ea, ako je v\u00fd\u0161ka spl\u00e1tok, ktor\u00e9 neboli splaten\u00e9 vo vz\u0165ahu k celkovej v\u00fd\u0161ke \u00faveru a d\u013a\u017eke trvania zmluvy, ako aj s mo\u017enos\u0165ou, \u017ee uplatnenie uvedenej klauzuly povedie k tomu, \u017ee predajca\/obchodn\u00edk m\u00f4\u017ee prist\u00fapi\u0165 k vym\u00e1haniu s\u00fam dl\u017en\u00fdch na z\u00e1klade tejto klauzuly predajom rodinn\u00e9ho obydlia spotrebite\u013ea v mimos\u00fadnom konan\u00ed<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Zoh\u013eadnenie po\u010dtu spl\u00e1tok, ve\u013ekosti dlhu a&nbsp;doby trvania zmluvy<\/strong><\/h2>\n\n\n\n<p>Pod\u013ea nov\u00fdch pravidiel, ak m\u00e1 spotrebite\u013e plni\u0165 pod\u013ea spotrebite\u013eskej zmluvy v spl\u00e1tkach, m\u00f4\u017ee obchodn\u00edk po\u017eadova\u0165 vr\u00e1tenie cel\u00e9ho plnenia (zosplatnenie cel\u00e9ho dlhu), ak je spotrebite\u013e celkom alebo \u010diasto\u010dne v ome\u0161kan\u00ed aspo\u0148 s tromi spl\u00e1tkami a suma spl\u00e1tok, s ktor\u00fdmi je spotrebite\u013e v ome\u0161kan\u00ed, je najmenej vo v\u00fd\u0161ke:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>desiatich percent poskytnutej sumy \u00faveru alebo in\u00e9ho plnenia, na ktor\u00e9ho vr\u00e1tenie je spotrebite\u013e pod\u013ea spotrebite\u013eskej zmluvy povinn\u00fd, ak je doba trvania spotrebite\u013eskej zmluvy dohodnut\u00e1 najviac na tri roky,<\/li>\n\n\n\n<li>piatich percent poskytnutej sumy \u00faveru alebo in\u00e9ho plnenia, na ktor\u00e9ho vr\u00e1tenie je spotrebite\u013e pod\u013ea spotrebite\u013eskej zmluvy povinn\u00fd, ak je doba trvania spotrebite\u013eskej zmluvy dohodnut\u00e1 na viac ako tri roky a najviac na desa\u0165 rokov, alebo<\/li>\n\n\n\n<li>dva a pol percenta poskytnutej sumy \u00faveru alebo in\u00e9ho plnenia, na ktor\u00e9ho vr\u00e1tenie je spotrebite\u013e pod\u013ea spotrebite\u013eskej zmluvy povinn\u00fd, ak je doba trvania spotrebite\u013eskej zmluvy dohodnut\u00e1 na viac ako desa\u0165 rokov.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>V\u00fdzva s&nbsp;poskytnut\u00edm dodato\u010dnej lehoty<\/strong>&nbsp;<\/h2>\n\n\n\n<p>Ak boli uveden\u00e9 podmienky splnen\u00e9, obchodn\u00edk je povinn\u00fd vo v\u00fdzve na vr\u00e1tenie spl\u00e1tok, s ktor\u00fdmi je spotrebite\u013e v ome\u0161kan\u00ed, poskytn\u00fa\u0165 spotrebite\u013eovi dodato\u010dn\u00fa lehotu na plnenie, ktor\u00e1 nesmie by\u0165 krat\u0161ia ako 15 dn\u00ed od doru\u010denia v\u00fdzvy.<\/p>\n\n\n\n<p>Pokia\u013e spotrebite\u013e neuhrad\u00ed ome\u0161kan\u00e9 spl\u00e1tky ani v dodato\u010dnej lehote poskytnutej obchodn\u00edkom, jej uplynut\u00edm sa st\u00e1va cel\u00e9 plnenie zo spotrebite\u013eskej zmluvy splatn\u00fdm.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Vyl\u00fa\u010denie aplik\u00e1cie \u00a7 565 Ob\u010dianskeho z\u00e1konn\u00edka<\/strong><\/h2>\n\n\n\n<p>Pod\u013ea \u00a7 565 Ob\u010dianskeho z\u00e1konn\u00edka: \u201eAk ide o plnenie v spl\u00e1tkach, m\u00f4\u017ee verite\u013e \u017eiada\u0165 o zaplatenie celej poh\u013ead\u00e1vky pre nesplnenie niektorej spl\u00e1tky, len ak to bolo dohodnut\u00e9 alebo v rozhodnut\u00ed ur\u010den\u00e9. Toto pr\u00e1vo v\u0161ak m\u00f4\u017ee verite\u013e pou\u017ei\u0165 najnesk\u00f4r do splatnosti najbli\u017e\u0161ie nasleduj\u00facej spl\u00e1tky.\u201c<\/p>\n\n\n\n<p>Ustanovenie \u00a7 565 Ob\u010dianskeho z\u00e1konn\u00edka sa na tak\u00e9to pr\u00edpady nebude aplikova\u0165. Obchodn\u00edk je povinn\u00fd vo v\u00fdzve na vr\u00e1tenie spl\u00e1tok, s ktor\u00fdmi je spotrebite\u013e v ome\u0161kan\u00ed, upozorni\u0165 spotrebite\u013ea na n\u00e1sledok neuhradenia ome\u0161kan\u00fdch pl\u00e1tok v&nbsp;dodato\u010dnej lehote pod\u013ea v\u00fdzvy a uvies\u0165 sumu spl\u00e1tok, s ktor\u00fdmi je spotrebite\u013e v ome\u0161kan\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mo\u017enosti obchodn\u00edka<\/strong><\/h2>\n\n\n\n<p>Nov\u00e1 pr\u00e1vna \u00faprava upravuje mo\u017enos\u0165, nie povinnos\u0165 obchodn\u00edka po\u017eadova\u0165 \u00fahradu cel\u00e9ho plnenia, resp. celej dl\u017enej sumy za nov\u00fdch z\u00e1konom stanoven\u00fdch podmienok.<\/p>\n\n\n\n<p>Pr\u00e1vo na zosplatnenie v zmysle nov\u00fdch pravidiel si obchodn\u00edk pod\u013ea d\u00f4vodovej spr\u00e1ve k novele m\u00f4\u017ee uplatni\u0165 len po\u010das trvania ome\u0161kania spotrebite\u013ea, resp. len po\u010das obdobia, kedy s\u00fa splnen\u00e9 z\u00e1konn\u00e9 podmienky pre uplatnenie tohto pr\u00e1va.<\/p>\n\n\n\n<p>Spotrebite\u013e a&nbsp;obchodn\u00edk sa v&nbsp;zmysle princ\u00edpu zmluvnej slobody m\u00f4\u017eu dohodn\u00fa\u0165 aj odchylne on popisovanej pr\u00e1vnej \u00fapravy. Napr. sa m\u00f4\u017eu dohodn\u00fa\u0165 o inom sp\u00f4sobe postupn\u00e9ho plnenia).<\/p>\n\n\n\n<p>Primeran\u00e1 \u00faprava podmienok spl\u00e1cania dl\u017enej sumy mus\u00ed re\u0161pektova\u0165 aj pr\u00e1vnu \u00fapravu obsiahnut\u00fa v z\u00e1kone \u010d. 129\/2010 Z. z. o spotrebite\u013esk\u00fdch \u00faveroch a o in\u00fdch \u00faveroch a p\u00f4\u017ei\u010dk\u00e1ch pre spotrebite\u013eov a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov (\u00a7 16a), ako aj v z\u00e1kone \u010d. 90\/2016 Z. z. o \u00faveroch na b\u00fdvanie a o zmene a doplnen\u00ed niektor\u00fdch z\u00e1konov (\u00a7 19a).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Na\u0161e slu\u017eby<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>komplexn\u00e9 slu\u017eby v oblasti spotrebite\u013esk\u00e9ho pr\u00e1va pre obchodn\u00edkov aj spotrebite\u013eov<\/li>\n\n\n\n<li>vypracovanie a rev\u00edzia v\u0161eobecn\u00fdch obchodn\u00fdch podmienok, podmienok pou\u017e\u00edvania, reklama\u010dn\u00fdch poriadkov a in\u00fdch intern\u00fdch dokumentov<\/li>\n\n\n\n<li>vypracovanie a rev\u00edzia zml\u00fav uzatv\u00e1ran\u00fdch so spotrebite\u013emi<\/li>\n\n\n\n<li>vypracovanie a rev\u00edzia internej dokument\u00e1cie v oblasti ochrany osobn\u00fdch \u00fadajov (GDPR)<\/li>\n\n\n\n<li>pr\u00e1vne stanovisk\u00e1 a konzult\u00e1cie (online, telefonicky alebo osobne)<\/li>\n\n\n\n<li>zastupovanie v s\u00fadnych konaniach<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The amendment to the Civil Code, effective from 1st of November, 2024, introduces new criteria for the acceleration of consumer loans.<\/p>","protected":false},"author":2,"featured_media":2888,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_themeisle_gutenberg_block_has_review":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[15],"tags":[124,168,531,286,289,383,790,633,789,386,542,384,785,786,330,275,787,788],"class_list":["post-3876","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aktuality","tag-europske-pravo","tag-legislativa","tag-obchodnik","tag-obcianske-pravo","tag-obciansky-zakonnik","tag-ochrana-spotrebitela","tag-omeskanie","tag-pravo-europskej-unie","tag-splatka","tag-spotrebitel","tag-spotrebitelska-zmluva","tag-spotrebitelske-pravo","tag-spotrebitelsky-uver","tag-uverova-zmluva","tag-vymahanie","tag-zakon","tag-zmluva-o-poskytnuti-uveru","tag-zosplatnenie-uveru"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nov\u00e9 krit\u00e9ria pre zosplatnenie \u00faverov od novembra 2024 - LIDAY BA\u0160ARYOV\u00c1 &amp; 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