{"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\/sk\/start\/wirtschaft\/geld-und-finanzen\/","title":{"rendered":"Peniaze a financie"},"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\">Ako si m\u00f4\u017eem otvori\u0165 bankov\u00fd \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>Bankov\u00fd \u00fa\u010det si m\u00f4\u017ee otvori\u0165 ktoko\u013evek v Nemecku s ob\u010dianskym preukazom a adresou. <\/p>\n\n\n\n<p>Mus\u00ed\u0161 <strong>nie <\/strong>ma\u0165 byt alebo potvrdenie o registr\u00e1cii\/registr\u00e1cii.<br>Man muss maj\u00fa iba jedno ID a jednu adresu.<br>Adresa priate\u013eov alebo poradensk\u00e9ho centra je tie\u017e v poriadku.<br>Niekedy banka povie, \u017ee to nie je mo\u017en\u00e9 urobi\u0165 bez registr\u00e1cie.<br>M\u00f4\u017eete to poveda\u0165 banke <a href=\"https:\/\/www.bafin.de\/DE\/Verbraucher\/Bank\/Produkte\/Basiskonto\/basiskonto_artikel.html\" target=\"_blank\" rel=\"noopener\">toto <\/a>Poskytuje inform\u00e1cie. Vysvet\u013euje, \u010do potrebujete na otvorenie bankov\u00e9ho \u00fa\u010dtu.<\/p>\n\n\n\n<p>Ak nem\u00f4\u017eete nav\u0161t\u00edvi\u0165 banku osobne, m\u00f4\u017eete po\u017eiada\u0165 o otvorenie \u00fa\u010dtu p\u00edsomne.<br>S t\u00fdmto <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\u00e1r <\/a>urob to.<br>Ak v\u00e1m banka st\u00e1le odmieta otvori\u0165 \u00fa\u010det, m\u00f4\u017eete sa obr\u00e1ti\u0165 na \u00farad \u201eBaFin\u201c (Feder\u00e1lny \u00farad pre finan\u010dn\u00fd doh\u013ead).<br>BaFin zabezpe\u010duje, aby v\u0161etky banky v Nemecku fungovali spr\u00e1vne.<br><a href=\"https:\/\/web.basp.bafin.de\/lip\/form\/display.do?%24context=32BE57B25CB25A31FC9B\" target=\"_blank\" rel=\"noopener\">Tu <\/a>m\u00f4\u017eete kontaktova\u0165 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\">V ktorej banke si m\u00e1m otvori\u0165 \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 Nemecku existuje ve\u013ea r\u00f4znych b\u00e1nk.<br>Niektor\u00e9 maj\u00fa pobo\u010dky, kam m\u00f4\u017eete \u00eds\u0165.<br>Niektor\u00e9 s\u00fa dostupn\u00e9 iba online.<br>Mus\u00ed\u0161 si zisti\u0165, ktor\u00e1 banka ti najviac vyhovuje.<br>Za bankov\u00fd \u00fa\u010det sa \u00fa\u010dtuj\u00fa 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\">Tu <\/a>m\u00f4\u017eete vidie\u0165, ktor\u00e9 poplatky s\u00fa povolen\u00e9 a ktor\u00e9 nie.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Ak m\u00e1te bankov\u00fd \u00fa\u010det, dost\u00e1vate pravideln\u00fd v\u00fdpis z bankov\u00e9ho \u00fa\u010dtu.<br>V\u00e4\u010d\u0161inou dostanete v\u00fdpis z bankov\u00e9ho \u00fa\u010dtu za jeden mesiac.<br>V\u00fdpis z banky obsahuje v\u0161etky inform\u00e1cie o prijat\u00fdch a odp\u00edsan\u00fdch peniazoch.<br>Napr\u00edklad: ke\u010f peniaze poch\u00e1dzaj\u00fa z pr\u00e1ce alebo ke\u010f je zaplaten\u00e9 n\u00e1jomn\u00e9.<br>Je ve\u013emi d\u00f4le\u017eit\u00e9 uchov\u00e1va\u0165 si tento v\u00fdpis z bankov\u00e9ho \u00fa\u010dtu.<br>Ve\u013emi \u010dasto mus\u00edte preuk\u00e1za\u0165, \u017ee ste zaplatili nie\u010do konkr\u00e9tne alebo ko\u013eko pe\u0148az\u00ed ste zarobili.<br>Ak strat\u00edte v\u00fdpis z bankov\u00e9ho \u00fa\u010dtu, banka v\u00e1m m\u00f4\u017ee poskytn\u00fa\u0165 k\u00f3piu.<br>Man muss, ale zaplati\u0165 za\u0148 relat\u00edvne ve\u013ea pe\u0148az\u00ed. Napr\u00edklad 5 eur za ka\u017ed\u00fd v\u00fdpis z bankov\u00e9ho \u00fa\u010dtu.<br>Je to jednoduch\u0161ie, ak pou\u017e\u00edvate online bankovn\u00edctvo.<br>Potom budete ma\u0165 svoje bankov\u00e9 v\u00fdpisy v\u017edy bezpe\u010dne ulo\u017een\u00e9 vo svojej online schr\u00e1nke a u\u017e za ne nemus\u00edte ni\u010d plati\u0165.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Ak plat\u00edte za nie\u010do prostredn\u00edctvom bankov\u00e9ho \u00fa\u010dtu, m\u00f4\u017eete plati\u0165 bankov\u00fdm prevodom alebo inkasom.<br>Prevod: Posielate peniaze zo svojho \u00fa\u010dtu na in\u00fd \u00fa\u010det. Napr\u00edklad peniaze za n\u00e1jomn\u00e9 v\u00e1\u0161mu prenaj\u00edmate\u013eovi.<br>Priamy debet: Spolo\u010dnos\u0165 automaticky strh\u00e1va peniaze z v\u00e1\u0161ho \u00fa\u010dtu ka\u017ed\u00fd mesiac. Napr\u00edklad peniaze za elektrinu vo va\u0161om byte sa ber\u00fa priamo od dod\u00e1vate\u013ea elektriny.<br>Pri prevode pe\u0148az\u00ed m\u00f4\u017eete zada\u0165 \u201e\u00fa\u010del\u201c.<br>Zam\u00fd\u0161\u013ean\u00fd \u00fa\u010del je d\u00f4vod, pre\u010do peniaze prev\u00e1dzate.<br>Napr\u00edklad \u201ePren\u00e1jom august 2024\u201c.<br>Niektor\u00ed \u013eudia tie\u017e pou\u017e\u00edvaj\u00fa kreditn\u00e9 karty na platenie za veci.&nbsp;<br>Kreditn\u00e9 karty v\u0161ak m\u00f4\u017eu by\u0165 spojen\u00e9 s mnoh\u00fdmi poplatkami a vysok\u00fdmi \u00farokov\u00fdmi sadzbami.<br>Nakoniec zaplat\u00edte ove\u013ea viac ako pri be\u017enom bankovom \u00fa\u010dte.&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 podp\u00edsa\u0165 zmluvu na mobiln\u00fd telef\u00f3n alebo 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 podp\u00edsa\u0165 zmluvu na mobiln\u00fd telef\u00f3n alebo internet?<br>Nemus\u00edte nevyhnutne podpisova\u0165 zmluvu o mobilnom telef\u00f3ne.<br>Existuj\u00fa aj predplaten\u00e9 SIM karty.&nbsp;<br>Potom si m\u00f4\u017eete telef\u00f3n kedyko\u013evek nabi\u0165.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>V Nemecku m\u00f4\u017eete uzatv\u00e1ra\u0165 zmluvy s r\u00f4znymi spolo\u010dnos\u0165ami.<br>Napr\u00edklad pre mobiln\u00e9 telef\u00f3ny, internet, elektrinu, poistenie.<br>V\u017edy by ste si mali dobre premyslie\u0165, ak\u00e9 zmluvy uzatv\u00e1rate.<\/p>\n\n\n\n<p>Predov\u0161etk\u00fdm:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ako dlho trv\u00e1 zmluva?&nbsp;&nbsp;<\/li>\n\n\n\n<li>Ko\u013eko mus\u00edm plati\u0165 mesa\u010dne?&nbsp;<\/li>\n\n\n\n<li>Kedy a ako m\u00f4\u017eem ukon\u010di\u0165 zmluvu?&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>\u013dudia ve\u013emi \u010dasto uzatv\u00e1raj\u00fa zmluvu r\u00fdchlo. Na za\u010diatku to m\u00f4\u017ee by\u0165 ve\u013emi lacn\u00e9. Ale po \u010dase sa to stane drah\u0161\u00edm.<br>M\u00f4\u017eete nav\u0161t\u00edvi\u0165 webov\u00e9 str\u00e1nky ako \u201e<a href=\"https:\/\/www.check24.de\/\" target=\"_blank\" rel=\"noopener\">CHECK24<\/a>\u201eporovna\u0165 ponuky.\u201c&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 plati\u0165 vysielac\u00ed poplatok?\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 Nemecku sa vyber\u00e1 vysielac\u00ed poplatok za telev\u00edziu a rozhlas.<br>Peniaze sa pou\u017e\u00edvaj\u00fa na financovanie telev\u00edznych stan\u00edc ARD, ZDF a Deutschlandradio.<br>S\u00fa to verejnopr\u00e1vni vysielatelia a produkuj\u00fa inform\u00e1cie a programy pre cel\u00fa popul\u00e1ciu.<br>Ak m\u00e1te dostatok pe\u0148az\u00ed, mus\u00edte zaplati\u0165 pr\u00edspevok.<br>Aj ke\u010f nepozer\u00e1te nemeck\u00fa telev\u00edziu alebo nepo\u010d\u00favate nemeck\u00e9 r\u00e1dio, mus\u00edte plati\u0165.<br>Ak v\u0161ak zar\u00e1bate m\u00e1lo a pober\u00e1te ob\u010diansky pr\u00edspevok, plati\u0165 nemus\u00edte.<br>O oslobodenie od vysielacieho poplatku po\u017eiadate v Slu\u017ebe pre pr\u00edspevky <a href=\"https:\/\/www.rundfunkbeitrag.de\/buergerinnen_und_buerger\/formulare\/befreiung_oder_ermaessigung_beantragen\/index_ger.html\" target=\"_blank\" rel=\"noopener\">tu<\/a>. Toto video vysvet\u013euje, ako vyplni\u0165 formul\u00e1r:<\/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=\"Ako m\u00f4\u017eem by\u0165 osloboden\u00fd od poplatku za vysielanie 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 m\u00f4\u017eem necha\u0165 skontrolova\u0165 veci, ako s\u00fa bankov\u00e9 poplatky a zmluvy?\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>Ak nerozumiete ur\u010dit\u00fdm poplatkom alebo nie ste spokojn\u00ed so zmluvou, m\u00f4\u017eete sa obr\u00e1ti\u0165 na centrum spotrebite\u013esk\u00e9ho poradenstva.<br>Spotrebite\u013esk\u00e9 poradensk\u00e9 centrum m\u00e1 informova\u0165 \u013eud\u00ed a chr\u00e1ni\u0165 ich pred pochybn\u00fdmi zmluvami. Za niektor\u00e9 konzult\u00e1cie si tam mus\u00edte zaplati\u0165.<br><a href=\"https:\/\/www.verbraucherzentrale-sachsen.de\/beratungsstellen\/leipzig\/beratungsangebote\/1949\" target=\"_blank\" rel=\"noopener\">Tu <\/a>s\u00fa kontaktn\u00e9 inform\u00e1cie na Centrum spotrebite\u013eskej poradenstva 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\/sk\"><\/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\/sk\/wp-json\/wp\/v2\/pages\/33","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/comments?post=33"}],"version-history":[{"count":11,"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/pages\/33\/revisions"}],"predecessor-version":[{"id":721,"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/pages\/33\/revisions\/721"}],"up":[{"embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/pages\/8"}],"wp:attachment":[{"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/media?parent=33"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/categories?post=33"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/info-to-go.binational-leipzig.de\/sk\/wp-json\/wp\/v2\/tags?post=33"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}