Pjka, whilst for minutes, without a sloette and minimal paragraph. This is how the VRY market works today. Jene this simplicity of my shady steep people often pursue pensions, which then unable to fulfill. Therefore, the Ministry of Finance has set the amendment to the amendment to the consumption of the VRU, which from preventing non -conforming independent and the protection of the TM, who purses.
The main change that the amendment to the PIN
Take the change from the new European spruce, which the ESKO has at the latest by November 2025. The amendment is distinguished by the product of the product to which it is related to the conditions for assessing the ability to fulfill and new situations where the debt zan mt problems. Clem is clear and Frovj market, where LPE chrn one who pits.
Obligatory assessment
The NOs will be obliged to assess whether the consumer is able to fulfill VR regardless of whether it is a large consumer VR or a micropjek for a few thousand crowns. This includes the discovery of the PJM, and also give you other financial consciousness. It is to prevent the people from getting into the debat of Spirly, which they cannot actually afford.
Regulation of the duty buy te, turn later (buy now, pay later)
Payments, which are popular in e-shops, will get under supervision. The Provider will have to have all the storage, assess your creditworthiness and follow the same rules as the classic company of society. So far, these products have stood out of the main legislation, the pesto for the people is to read the religion.
Pestnj and unified information about the VRU
The consumer will have to get a standardized overview of Klovch information Jet Peds concluded. The document of the document will be in Plttek, the overall one to the castle, in the APR, or sanctions and gave conditions. The first informed awareness is one of the main women, for the people sign contracts that do not understand.
Limited by misleading and aggressive advertising
Conduct to limit the use of marketing tougen -type PJs without risk or pension immediately for Kadho. Especially sensitive will be the assessment of advertising to the seniors, students or other vulnerable groups. It is to prevent marketing from masking the facts or the risks of the VRA.
Help for debts in the sweat
If the debt gets into the slippery, the Vitel will not be instantly pistant to the Sankcm or Underfly. NEW will first obliges the consumer to recruit another, for example, the right of the PoLtkov kalende, the delay postponement of the fulfill or another form of restructuring. Conduct to the model of prevention by the case, which can reduce the execution and withdrawn from the lack of payment of inability. When to pay for zana change? Selected provisions, which are related to the implementation of the European Spruce, must, according to the Nvrh Inn no later than from November 2025. The rules have the teaching of the chromation of the consumer in front of the unleneous decisions and debts that cannot fulfill. Simply clicks without thought to the dear, comprehensible information and the answer to both the provider and the debt itself.
Iva Grcov Iva graduated in the field of National Economics at Faculty of Economics BSK Technical Universities in Ostrava. In the SVT banking and financial, it has been active since 2007. The valuable employment has made their long -standing dogs in Citigroup Inc., where she worked as a specialist and advisor to the private and investin banking. At the same time, the LNK written and comment on the actual economic day, cooperate as a copywriter of firm with financial societies and regularly on the financial portle of nevamoney.cz.
The non -election of the Sro Society of the Evfinance SRO is a separate online permitter of the consumption VR with licenses from the Czech nation bank, the bite and the other personal finances – Au is a pjka, hypotka, spoen or tidy. It is a friend of society to recruit the users of the world from the world of personal financials quickly, quickly and online. One of the founding sawmills is a surrender of all the way in the field of personal financial and customs financial literacy. More information at https://www.bezvafinance.cz/