{"id":33,"date":"2023-07-09T23:06:42","date_gmt":"2023-07-09T21:06:42","guid":{"rendered":"https:\/\/sprijin.binational-leipzig.de\/?page_id=33"},"modified":"2025-11-22T13:14:33","modified_gmt":"2025-11-22T12:14:33","slug":"geld-und-finanzen","status":"publish","type":"page","link":"https:\/\/info-to-go.binational-leipzig.de\/cs\/start\/wirtschaft\/geld-und-finanzen\/","title":{"rendered":"Pen\u00edze a finance"},"content":{"rendered":"<div class=\"wp-block-esab-accordion accordion-756f9975\" data-mode=\"global\"><div class=\"esab__container\">\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">Jak si mohu otev\u0159\u00edt bankovn\u00ed \u00fa\u010det?\u00a0<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Bankovn\u00ed \u00fa\u010det si m\u016f\u017ee otev\u0159\u00edt kdokoli v N\u011bmecku s ob\u010dansk\u00fdm pr\u016fkazem a adresou. <\/p>\n\n\n\n<p>Mus\u00ed\u0161 <strong>ne <\/strong>m\u00edt byt nebo potvrzen\u00ed o registraci\/registraci.<br>Sta\u010d\u00ed m\u00edt ob\u010dansk\u00fd pr\u016fkaz a adresu.<br>Vhodn\u00e1 je i adresa p\u0159\u00edtele nebo poradensk\u00e9ho centra.<br>N\u011bkdy banka \u0159\u00edk\u00e1, \u017ee to bez registrace nelze prov\u00e9st.<br>Bance m\u016f\u017eete d\u00e1t <a href=\"https:\/\/www.bafin.de\/DE\/Verbraucher\/Bank\/Produkte\/Basiskonto\/basiskonto_artikel.html\" target=\"_blank\" rel=\"noopener\">tyto <\/a>Poskytuje informace. Vysv\u011btluje, co pot\u0159ebujete k otev\u0159en\u00ed bankovn\u00edho \u00fa\u010dtu.<\/p>\n\n\n\n<p>Pokud si nem\u016f\u017eete otev\u0159\u00edt \u00fa\u010det osobn\u011b v bance, m\u016f\u017eete o n\u011bj po\u017e\u00e1dat p\u00edsemn\u011b.<br>S t\u00edmto <a href=\"https:\/\/www.bafin.de\/SharedDocs\/Downloads\/DE\/Formular\/dl_fo_basiskonto_antrag_abschluss.pdf?__blob=publicationFile&amp;v=3\" target=\"_blank\" rel=\"noopener\">Formul\u00e1\u0159 <\/a>to ud\u011blat.<br>Pokud banka i p\u0159esto odm\u00edtne \u00fa\u010det otev\u0159\u00edt, m\u016f\u017eete se obr\u00e1tit na Spolkov\u00fd \u00fa\u0159ad pro finan\u010dn\u00ed dohled (BaFin).<br>BaFin dohl\u00ed\u017e\u00ed na spr\u00e1vn\u00e9 fungov\u00e1n\u00ed v\u0161ech bank v N\u011bmecku.<br><a href=\"https:\/\/web.basp.bafin.de\/lip\/form\/display.do?%24context=32BE57B25CB25A31FC9B\" target=\"_blank\" rel=\"noopener\">Zde <\/a>se m\u016f\u017eete obr\u00e1tit na BaFin.&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">U kter\u00e9 banky si m\u00e1m otev\u0159\u00edt \u00fa\u010det?<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>V N\u011bmecku existuje mnoho r\u016fzn\u00fdch bank.<br>N\u011bkter\u00e9 maj\u00ed pobo\u010dky, kam m\u016f\u017eete zaj\u00edt.<br>N\u011bkter\u00e9 jsou pouze online.<br>Mus\u00edte zjistit, kter\u00e1 banka v\u00e1m nejl\u00e9pe vyhovuje.<br>Za bankovn\u00ed \u00fa\u010det se plat\u00ed pravideln\u00e9 poplatky.<br><a href=\"https:\/\/www.verbraucherzentrale.de\/wissen\/geld-versicherungen\/sparen-und-anlegen\/bankgebuehren-nicht-alle-gebuehren-beim-girokonto-sind-zulaessig-5185\" target=\"_blank\" rel=\"noopener\">Zde <\/a>m\u016f\u017eete zjistit, kter\u00e9 poplatky jsou povoleny a kter\u00e9 ne.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Pokud m\u00e1te bankovn\u00ed \u00fa\u010det, pravideln\u011b dost\u00e1v\u00e1te v\u00fdpis z \u00fa\u010dtu.<br>Obvykle obdr\u017e\u00edte v\u00fdpis z \u00fa\u010dtu za jeden m\u011bs\u00edc.<br>V\u00fdpis z \u00fa\u010dtu obsahuje ve\u0161ker\u00e9 informace o p\u0159\u00edchoz\u00edch a odchoz\u00edch pen\u011bz\u00edch.<br>Nap\u0159\u00edklad: kdy\u017e p\u0159ijdou pen\u00edze z pr\u00e1ce nebo kdy\u017e je zaplacen n\u00e1jem.<br>Je velmi d\u016fle\u017eit\u00e9 tento v\u00fdpis z \u00fa\u010dtu uchov\u00e1vat.<br>Velmi \u010dasto mus\u00edte prok\u00e1zat, \u017ee jste n\u011bco konkr\u00e9tn\u00edho zaplatili nebo kolik pen\u011bz jste vyd\u011blali.<br>Pokud ztrat\u00edte v\u00fdpis z \u00fa\u010dtu, banka v\u00e1m m\u016f\u017ee poskytnout jeho kopii.<br>Mus\u00edte za n\u011bj ale zaplatit pom\u011brn\u011b hodn\u011b pen\u011bz. Nap\u0159\u00edklad 5 eur za ka\u017ed\u00fd v\u00fdpis z \u00fa\u010dtu.<br>Pokud pou\u017e\u00edv\u00e1te internetov\u00e9 bankovnictv\u00ed, je to jednodu\u0161\u0161\u00ed.<br>V\u00fdpisy z \u00fa\u010dtu pak m\u00e1te v\u017edy bezpe\u010dn\u011b ve sv\u00e9 online schr\u00e1nce a nemus\u00edte za n\u011b platit.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Pokud za n\u011bco plat\u00edte prost\u0159ednictv\u00edm bankovn\u00edho \u00fa\u010dtu, m\u016f\u017eete platit bankovn\u00edm p\u0159evodem nebo inkasem.<br>P\u0159evod: Pen\u00edze ze sv\u00e9ho \u00fa\u010dtu po\u0161lete na jin\u00fd \u00fa\u010det. Nap\u0159\u00edklad pen\u00edze za n\u00e1jemn\u00e9 pronaj\u00edmateli.<br>P\u0159\u00edm\u00e9 inkaso: Spole\u010dnost si ka\u017ed\u00fd m\u011bs\u00edc automaticky strhne pen\u00edze z va\u0161eho \u00fa\u010dtu. Nap\u0159\u00edklad pen\u00edze za elekt\u0159inu ve va\u0161\u00ed dom\u00e1cnosti si strh\u00e1v\u00e1 p\u0159\u00edmo dodavatel elekt\u0159iny.<br>P\u0159i p\u0159evodu pen\u011bz m\u016f\u017eete zadat \"\u00da\u010del\".<br>\u00da\u010del je d\u016fvod, pro\u010d pen\u00edze p\u0159ev\u00e1d\u00edte.<br>Nap\u0159\u00edklad \"Pron\u00e1jem srpen 2024\".<br>N\u011bkte\u0159\u00ed lid\u00e9 pou\u017e\u00edvaj\u00ed k placen\u00ed tak\u00e9 kreditn\u00ed karty.&nbsp;<br>Kreditn\u00ed karty v\u0161ak mohou b\u00fdt zat\u00ed\u017eeny mnoha poplatky a vysok\u00fdmi \u00farokov\u00fdmi sazbami.<br>Nakonec zaplat\u00edte mnohem v\u00edce ne\u017e u b\u011b\u017en\u00e9ho bankovn\u00edho \u00fa\u010dtu.&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">Mus\u00edm podepsat smlouvu na mobiln\u00ed telefon nebo internet?\u00a0<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Mus\u00edm podepsat smlouvu na mobiln\u00ed telefon nebo internet?<br>Nemus\u00edte nutn\u011b podepsat smlouvu na mobiln\u00ed telefon.<br>Existuj\u00ed tak\u00e9 p\u0159edplacen\u00e9 SIM karty.&nbsp;<br>Mobiln\u00ed telefon si pak m\u016f\u017eete kdykoli nab\u00edt.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>V N\u011bmecku pravd\u011bpodobn\u011b podep\u00ed\u0161ete smlouvy s r\u016fzn\u00fdmi spole\u010dnostmi.<br>Nap\u0159\u00edklad za mobiln\u00ed telefon, internet, elekt\u0159inu nebo poji\u0161t\u011bn\u00ed.<br>V\u017edy byste si m\u011bli dob\u0159e rozmyslet, jak\u00e9 smlouvy uzav\u0159ete.<\/p>\n\n\n\n<p>P\u0159edev\u0161\u00edm:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Na jak dlouho je smlouva uzav\u0159ena?&nbsp;&nbsp;<\/li>\n\n\n\n<li>Kolik mus\u00edm ka\u017ed\u00fd m\u011bs\u00edc zaplatit?&nbsp;<\/li>\n\n\n\n<li>Kdy a jak mohu smlouvu zru\u0161it?&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Velmi \u010dasto lid\u00e9 rychle podep\u00ed\u0161\u00ed smlouvu. Ta m\u016f\u017ee b\u00fdt na za\u010d\u00e1tku velmi v\u00fdhodn\u00e1. Po n\u011bjak\u00e9 dob\u011b se v\u0161ak prodra\u017e\u00ed.<br>M\u016f\u017eete pou\u017e\u00edt webov\u00e9 str\u00e1nky, jako je \"<a href=\"https:\/\/www.check24.de\/\" target=\"_blank\" rel=\"noopener\">CHECK24<\/a>\" pro porovn\u00e1n\u00ed nab\u00eddek.&nbsp;<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">Mus\u00edm platit licen\u010dn\u00ed poplatek?\u00a0<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>V N\u011bmecku se za televizi a rozhlas plat\u00ed koncesion\u00e1\u0159sk\u00e9 poplatky.<br>Z t\u011bchto pen\u011bz jsou financov\u00e1ny televizn\u00ed stanice ARD, ZDF a Deutschlandradio.<br>Jsou ve\u0159ejnopr\u00e1vn\u00edmi vys\u00edlac\u00edmi organizacemi a vytv\u00e1\u0159ej\u00ed informace a po\u0159ady pro v\u0161echny obyvatele.<br>Pokud m\u00e1te dostatek pen\u011bz, mus\u00edte zaplatit p\u0159\u00edsp\u011bvek.<br>I kdy\u017e nesledujete n\u011bmeckou televizi nebo neposlouch\u00e1te n\u011bmeck\u00e9 r\u00e1dio, mus\u00edte platit.<br>Pokud v\u0161ak vyd\u011bl\u00e1v\u00e1te m\u00e1lo a pob\u00edr\u00e1te ob\u010dansk\u00fd p\u0159\u00edsp\u011bvek, platit nemus\u00edte.<br>\u017d\u00e1dost o osvobozen\u00ed od licen\u010dn\u00edho poplatku pod\u00e1v\u00e1te u slu\u017eby Beitragsservice. <a href=\"https:\/\/www.rundfunkbeitrag.de\/buergerinnen_und_buerger\/formulare\/befreiung_oder_ermaessigung_beantragen\/index_ger.html\" target=\"_blank\" rel=\"noopener\">zde<\/a>. Toto video vysv\u011btluje, jak formul\u00e1\u0159 vyplnit:<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Jak mohu po\u017e\u00e1dat o osvobozen\u00ed od licen\u010dn\u00edho poplatku online?\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/Qf8Jw2Rmz9o?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-esab-accordion-child\"><div class=\"esab__head\" role=\"button\" aria-expanded=\"false\"><div class=\"esab__heading_txt\"><p class=\"esab__heading_tag\">Kde si mohu nechat zkontrolovat nap\u0159\u00edklad bankovn\u00ed poplatky a smlouvy?\u00a0<\/p><\/div><div class=\"esab__icon\"><div class=\"esab__collapse\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m3.5 20.5c-4.7-4.7-4.7-12.3 0-17 4.7-4.7 12.3-4.7 17 0 4.6 4.7 4.6 12.3 0 17-4.7 4.6-12.3 4.6-17 0zm0.9-0.9c4.2 4.2 11 4.2 15.2 0 4.2-4.2 4.2-11 0-15.2-4.2-4.3-11-4.3-15.2 0-4.3 4.2-4.3 11 0 15.2z\"><\/path><path d=\"m11.4 15.9v-3.3h-3.3c-0.3 0-0.6-0.3-0.6-0.6 0-0.4 0.3-0.6 0.6-0.6h3.3v-3.3c0-0.3 0.3-0.6 0.6-0.6 0.3 0 0.6 0.3 0.6 0.6v3.3h3.3c0.3 0 0.6 0.2 0.6 0.6q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2h-3.3v3.3q0 0.2-0.2 0.4-0.2 0.2-0.4 0.2c-0.4 0-0.6-0.3-0.6-0.6z\"><\/path><\/svg> <\/div><div class=\"esab__expand\"> <svg version=\"1.2\" viewbox=\"0 0 24 24\" width=\"24\" height=\"24\"><path fill-rule=\"evenodd\" d=\"m12 24c-6.6 0-12-5.4-12-12 0-6.6 5.4-12 12-12 6.6 0 12 5.4 12 12 0 6.6-5.4 12-12 12zm10.6-12c0-5.9-4.7-10.6-10.6-10.6-5.9 0-10.6 4.7-10.6 10.6 0 5.9 4.7 10.6 10.6 10.6 5.9 0 10.6-4.7 10.6-10.6z\"><\/path><path d=\"m5.6 11.3h12.8v1.4h-12.8z\"><\/path><\/svg> <\/div><\/div><\/div><div class=\"esab__body\">\n<p>Pokud n\u011bkter\u00fdm poplatk\u016fm nerozum\u00edte nebo nejste se smlouvou spokojeni, m\u016f\u017eete se obr\u00e1tit na spot\u0159ebitelskou poradnu.<br>Spot\u0159ebitelsk\u00e9 poradensk\u00e9 centrum je tu proto, aby lidi informovalo a chr\u00e1nilo je p\u0159ed pochybn\u00fdmi smlouvami. Za n\u011bkter\u00e9 z jejich rad mus\u00edte zaplatit.<br><a href=\"https:\/\/www.verbraucherzentrale-sachsen.de\/beratungsstellen\/leipzig\/beratungsangebote\/1949\" target=\"_blank\" rel=\"noopener\">Zde <\/a>jsou kontaktn\u00ed \u00fadaje na Poradensk\u00e9 centrum pro spot\u0159ebitele v Lipsku.&nbsp;<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n<div class=\"gsp_post_data\" \r\n\t            data-post_type=\"page\" \r\n\t            data-cat=\"wirtschaft\" \r\n\t            data-modified=\"120\"\r\n\t            data-created=\"1688944002\"\r\n\t            data-title=\"Geld und Finanzen\" \r\n\t            data-home=\"https:\/\/info-to-go.binational-leipzig.de\/cs\"><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":8,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-33","page","type-page","status-publish","hentry","category-wirtschaft"],"_links":{"self":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/pages\/33","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/comments?post=33"}],"version-history":[{"count":11,"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/pages\/33\/revisions"}],"predecessor-version":[{"id":721,"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/pages\/33\/revisions\/721"}],"up":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/pages\/8"}],"wp:attachment":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/media?parent=33"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/categories?post=33"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/cs\/wp-json\/wp\/v2\/tags?post=33"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}