{"id":21694,"date":"2025-11-05T03:00:00","date_gmt":"2025-11-05T03:00:00","guid":{"rendered":"https:\/\/chicagodesavanja.us\/nemacka-menja-pravila-kraj-lakog-kupi-sada-plati-kasnije-placanja-od-novembra-2025\/"},"modified":"2025-11-05T03:00:00","modified_gmt":"2025-11-05T03:00:00","slug":"nemacka-menja-pravila-kraj-lakog-kupi-sada-plati-kasnije-placanja-od-novembra-2025","status":"publish","type":"post","link":"https:\/\/chicagodesavanja.us\/en\/vesti\/nemacka-menja-pravila-kraj-lakog-kupi-sada-plati-kasnije-placanja-od-novembra-2025\/","title":{"rendered":"Nema\u010dka menja pravila: kraj lakog \u201ckupi sada, plati kasnije\u201d pla\u0107anja od novembra 2025"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Nema\u010dka od 20. novembra 2025. godine uvodi nova pravila koja \u0107e potpuno promeniti na\u010din na koji gra\u0111ani kupuju putem interneta. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poseban fokus bi\u0107e na popularnim opcijama \u201ekupi sada, plati kasnije\u201c, koje su do sada omogu\u0107avale jednostavno i brzo odlo\u017eeno pla\u0107anje, bez ozbiljne provere kreditne sposobnosti.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prema novom zakonu, \u010dak i male online kupovine bi\u0107e tretirane kao kratkoro\u010dni krediti, \u0161to zna\u010di da \u0107e svaka transakcija morati da pro\u0111e proveru finansijske pouzdanosti kupca. Ova odluka je deo uskla\u0111ivanja sa Direktivom EU o potro\u0161a\u010dkim kreditima, \u010diji je cilj da za\u0161titi gra\u0111ane od prezadu\u017eenosti i neodgovornog kori\u0161\u0107enja fleksibilnih modela pla\u0107anja.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Najvi\u0161e \u0107e biti pogo\u0111ene platforme kao \u0161to su Klarna i PayPal, koje su me\u0111u mladima postale izuzetno popularne jer omogu\u0107avaju pla\u0107anje u ratama bez kamate. Ipak, upravo ta prividna lako\u0107a dovela je do rasta duga me\u0111u korisnicima, pa \u0107e nove mere zahtevati da se i za najmanje iznose proverava kreditna sposobnost kupca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prema istra\u017eivanju agencije Schufa, skoro svaki tre\u0107i Nemac koristi opciju odlo\u017eenog pla\u0107anja. Novi zakon nala\u017ee da prodavci i banke moraju transparentno obave\u0161tavati potro\u0161a\u010de o realnim tro\u0161kovima zadu\u017eivanja, uklju\u010duju\u0107i i \u201emini kredite\u201c ispod 200 evra i kupovine sa rokom pla\u0107anja du\u017eim od 14 ili 50 dana, u zavisnosti od veli\u010dine trgovca.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Oni koji ne pro\u0111u kreditnu proveru vi\u0161e ne\u0107e mo\u0107i da koriste odlo\u017eeno pla\u0107anje, ve\u0107 \u0107e morati da kupe odmah \u2013 i plate odmah. Nema\u010dka ovim korakom \u017eeli da spre\u010di \u201etiho prezadu\u017eivanje\u201c i oja\u010da finansijsku odgovornost potro\u0161a\u010da.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:10px\">SOURCE: <a href=\"https:\/\/www.b92.net\/biz\/svet\/vesti\/178100\/nemacka-uvodi-nova-pravila\/vest\" target=\"_blank\" rel=\"noreferrer noopener\">B92<\/a>, FOTO: PIXABAY<\/p>","protected":false},"excerpt":{"rendered":"<p>Nema\u010dka od 20. novembra 2025. godine uvodi nova pravila koja \u0107e potpuno promeniti na\u010din na koji gra\u0111ani kupuju putem interneta. Poseban fokus bi\u0107e na popularnim opcijama \u201ekupi sada, plati kasnije\u201c, koje su do sada omogu\u0107avale jednostavno i brzo odlo\u017eeno pla\u0107anje, bez ozbiljne provere kreditne sposobnosti. Prema novom zakonu, \u010dak i male online kupovine bi\u0107e tretirane [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15163,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[431,369],"tags":[19032,17522,19033,19034,19035,535,19036,10111,10112,19037,19038],"class_list":["post-21694","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-svet","category-vesti","tag-eu-direktiva","tag-klarna","tag-kreditna-sposobnost","tag-kupi-sada-plati-kasnije","tag-kupovina-preko-interneta","tag-nemacka","tag-novi-zakon","tag-online-placanje","tag-paypal","tag-potrosacki-krediti","tag-schufa"],"_links":{"self":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/21694","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/comments?post=21694"}],"version-history":[{"count":0,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/posts\/21694\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media\/15163"}],"wp:attachment":[{"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/media?parent=21694"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/categories?post=21694"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/chicagodesavanja.us\/en\/wp-json\/wp\/v2\/tags?post=21694"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}