Nový zákon o spotřebitelském úvěru

Od 1. prosince 2016 začíná platit nový zákon o spotřebitelském úvěru, který má dopad na všechny typy úvěrových produktů, včetně hypoték. Zákon významné posiluje práva spotřebitele v oblastech, které dosud nebyly regulovány a má dopad i na finanční poradce a úvěrové makléře.

 

Změny s dopadem na klienty:

  • HYPOTÉKY – MIMOŘÁDNÉ SPLÁTKY 1x ROČNĚ

U hypoték bude možné každoročně vždy měsíc před výročím uzavření smlouvy splatit až jednu čtvrtinu půjčky bez poplatku.

  • „LEVNĚJŠÍ“ PŘEDČASNÉ SPLACENÍ HYPOTÉKY

Při prodeji nemovitosti bude možné hypotéku splatit celou, pokud smlouva trvala alespoň dva roky. Poplatek za takové splacení byl stanoven na 1 % z výše předčasné splátky, maximálně však může dosáhnout částky 50 tisíc korun.

Při předčasném splacení dluhu bude mít věřitel nárok jen na účelně vynaložené náklady, které mu předčasným splacením vzniknou.

Předčasné splacení úvěru na bydlení by navíc mělo být zdarma pro spotřebitele, kteří se ocitnou v těžké životní situaci.

  • NIŽŠÍ SANKCE

Pozdní splácení úvěru bude možné sankcionovat maximálně do částky odpovídající 50 % z výše úvěru, nejvýše však 200 tisíc korun

  • PŘÍSNĚJŠÍ KONTROLA PŘÍJMŮ

Platnost úvěrové smlouvy bude například záviset na řádném prověření schopnosti žadatele o úvěr dluh splácet. V opačném případě bude spotřebitel muset jistinu z neplatné smlouvy splatit podle svých možností, nebude však platit žádné úroky.

  • PRAVIDLA PRO ŘEŠENÍ SPORŮ

Spory z úvěrových smluv bude možné řešit pouze prostřednictvím soudů, nikoliv rozhodci.

  • MIKROPŮJČKY

Poskytovatelé mikropůjček budou spadat pod dohled České národní banky. Dosud byly tyto úvěrové firmy kontrolovány Českou obchodní inspekcí.

 
 
 
Zcela nový zákon o spotřebitelském úvěru vyšel již počátkem srpna  ve sbírce zákonů.  Do české legislativy transponuje evropskou regulaci CARRP a zasahuje i oblast hypotečních úvěrů. V oblasti úvěrů probíhají intenzivní jednání s bankami a ujasňování výkladové praxe. Schválen je hlavní zákon, ale trh stále čeká na finální znění souvisejících vyhlášek a prováděcích předpisů. V zákoně jsou různé přechodné lhůty, takže nepůjde o skokovou změnu.

 

 

 

 

 

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