{"id":4864,"date":"2024-06-18T12:03:01","date_gmt":"2024-06-18T10:03:01","guid":{"rendered":"http:\/\/www.cechova.sk\/?p=4864"},"modified":"2024-06-18T12:06:51","modified_gmt":"2024-06-18T10:06:51","slug":"novy-zakon-o-spravcoch-uverov","status":"publish","type":"post","link":"https:\/\/www.cechova.sk\/sk\/novy-zakon-o-spravcoch-uverov\/","title":{"rendered":"Nov\u00fd z\u00e1kon o spr\u00e1vcoch \u00faverov"},"content":{"rendered":"<p>Od 1. j\u00fana 2024 je na Slovensku \u00fa\u010dinn\u00fd nov\u00fd z\u00e1kon \u010d. 106\/2024 Z. z. o spr\u00e1vcoch \u00faverov a n\u00e1kupcoch \u00faverov. T\u00fdmto z\u00e1konom sa implementuje smernica Eur\u00f3pskeho parlamentu a Rady (E\u00da) 2021\/2167, ktor\u00e1 prich\u00e1dza v reakcii na rast\u00facu potrebu efekt\u00edvneho rie\u0161enia nespl\u00e1can\u00fdch \u00faverov.<\/p>\n<p>Nov\u00e1 \u00faprava prin\u00e1\u0161a v\u00fdrazn\u00e9 zmeny v oblasti spr\u00e1vy a n\u00e1kupu \u00faverov, ktor\u00fdch cie\u013eom je rie\u0161enie problematiky nespl\u00e1can\u00fdch \u00faverov poskytnut\u00fdch \u00faverov\u00fdmi in\u0161tit\u00faciami. Pre n\u00e1kupcov \u00faverov a spr\u00e1vcov \u00faverov (tzv. inkasn\u00e9 spolo\u010dnosti) to znamen\u00e1 nutnos\u0165 prisp\u00f4sobi\u0165 svoje \u010dinnosti nov\u00fdm legislat\u00edvnym po\u017eiadavk\u00e1m a zabezpe\u010di\u0165 s\u00falad s nov\u00fdmi predpismi. Jednou z\u00a0nov\u00fdch po\u017eiadaviek na inkasn\u00e9 spolo\u010dnosti je aj z\u00edskanie licencie na v\u00fdkon \u010dinnosti spr\u00e1vcu \u00faverov.<\/p>\n<p>Ak\u00e1 je lehota na z\u00edskanie novej licencie? Ak\u00fd cie\u013e m\u00e1 nov\u00fd z\u00e1kon a\u00a0na koho sa vz\u0165ahuje? Odpovede na tieto ot\u00e1zky sa dozviete v\u00a0na\u0161om stru\u010dnom preh\u013eade nov\u00e9ho z\u00e1kona, ktor\u00fd V\u00e1m prin\u00e1\u0161ame ni\u017e\u0161ie.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Hlavn\u00e9 ciele a rozsah z\u00e1kona<\/strong><\/span><\/p>\n<p>Z\u00e1kon sa vz\u0165ahuje na \u00favery poskytovan\u00e9 \u00faverov\u00fdmi in\u0161tit\u00faciami a vylu\u010duje \u00favery poskytovan\u00e9 in\u00fdmi subjektmi. Nevz\u0165ahuje sa na spravovanie \u00faverov bankami, spr\u00e1vcovsk\u00fdmi spolo\u010dnos\u0165ami a in\u00fdmi vymedzen\u00fdmi subjektmi, ani na n\u00e1kup \u00faverov \u00faverov\u00fdmi in\u0161tit\u00faciami a prevody \u00faverov uskuto\u010dnen\u00e9 pred jeho \u00fa\u010dinnos\u0165ou.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Spr\u00e1vca \u00faverov so s\u00eddlom na Slovensku<\/strong><\/span><\/p>\n<p>Spr\u00e1vca \u00faverov je pr\u00e1vnick\u00e1 osoba, ktor\u00e1 spravuje a presadzuje pr\u00e1va a povinnosti verite\u013ea z nespl\u00e1canej zmluvy o \u00favere. Na v\u00fdkon tejto \u010dinnosti je potrebn\u00e9 povolenie od N\u00e1rodnej banky Slovenska (NBS), pri\u010dom na z\u00edskanie povolenia mus\u00ed spr\u00e1vca \u00faverov sp\u013a\u0148a\u0165 podmienky t\u00fdkaj\u00face sa pr\u00e1vnej formy, organiza\u010dnej a riadiacej \u0161trukt\u00fary a person\u00e1lneho obsadenia.<\/p>\n<p>Osoby, ktor\u00e9 v Slovenskej republike spravovali \u00favery k 1. j\u00fanu 2024, m\u00f4\u017eu v\u00a0takejto \u010dinnosti pokra\u010dova\u0165 bez licencie do 30. novembra 2024, pri\u010dom po tomto d\u00e1tume musia ma\u0165 u\u017e aj tieto osoby povolenie od NBS.<\/p>\n<p>Spr\u00e1vca \u00faverov m\u00f4\u017ee delegova\u0165 niektor\u00e9 \u010dinnosti na poskytovate\u013ea \u00faverov\u00fdch slu\u017eieb, pri\u010dom o tomto kroku mus\u00ed informova\u0165 NBS, a\u00a0ak vykon\u00e1va spr\u00e1vu \u00faverov aj v\u00a0in\u00fdch \u010dlensk\u00fdch \u0161t\u00e1toch, aj pr\u00edslu\u0161n\u00e9 autority t\u00fdchto \u010dlensk\u00fdch \u0161t\u00e1tov E\u00da alebo EHP.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>N\u00e1kupca \u00faverov<\/strong><\/span><\/p>\n<p>N\u00e1kupca \u00faverov je subjekt, ktor\u00fd za odplatu nadob\u00fada pr\u00e1va verite\u013ea z nespl\u00e1canej zmluvy o\u00a0\u00favere alebo samotn\u00fa nespl\u00e1can\u00fa zmluvu. Po nadobudnut\u00ed \u00faveru ho m\u00f4\u017ee spravova\u0165 samostatne alebo prostredn\u00edctvom in\u00e9ho opr\u00e1vnen\u00e9ho subjektu. N\u00e1kupca \u00faverov so s\u00eddlom na Slovensku mus\u00ed zabezpe\u010di\u0165 spr\u00e1vu \u00faveru opr\u00e1vnen\u00fdm subjektom, ak ide o nespl\u00e1can\u00fa zmluvu o \u00favere uzavret\u00fa so spotrebite\u013eom alebo vlastn\u00edkmi bytov a nebytov\u00fdch priestorov zast\u00fapen\u00fdch spr\u00e1vcom alebo spolo\u010denstvom vlastn\u00edkov.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Poskytovate\u013e \u00faverov\u00fdch slu\u017eieb<\/strong><\/span><\/p>\n<p>Poskytovate\u013e \u00faverov\u00fdch slu\u017eieb je osoba, ktor\u00e1 na z\u00e1klade p\u00edsomnej zmluvy so spr\u00e1vcom \u00faverov vykon\u00e1va niektor\u00e9 \u010dinnosti spravovania \u00faverov. Z\u00e1kon upravuje niektor\u00e9 n\u00e1le\u017eitosti zmluvy medzi poskytovate\u013eom \u00faverov\u00fdch slu\u017eieb a spr\u00e1vcom \u00faverov, ako aj podmienky fungovania tohto vz\u0165ahu. Osobitne mo\u017eno spomen\u00fa\u0165, \u017ee poskytovate\u013e \u00faverov\u00fdch slu\u017eieb m\u00f4\u017ee vykon\u00e1va\u0165 pre spr\u00e1vcu \u00faverov len niektor\u00e9 \u010dinnosti spravovania \u00faverov, nie v\u0161ak v\u0161etky.<\/p>\n<p><span style=\"font-size: 14pt;\"><strong>Cezhrani\u010dn\u00e9 aspekty<\/strong><\/span><\/p>\n<p>Z\u00e1kon upravuje aj cezhrani\u010dn\u00e9 vykon\u00e1vanie \u010dinnost\u00ed spr\u00e1vcu \u00faverov a n\u00e1kupcu \u00faverov. Spr\u00e1vca \u00faverov z in\u00e9ho \u010dlensk\u00e9ho \u0161t\u00e1tu m\u00f4\u017ee na Slovensku p\u00f4sobi\u0165 na z\u00e1klade slobody poskytovania slu\u017eieb alebo prostredn\u00edctvom pobo\u010dky. Podobne je spr\u00e1vca \u00faverov so s\u00eddlom v Slovenskej republike opr\u00e1vnen\u00fd vykon\u00e1va\u0165 t\u00fato \u010dinnos\u0165 v inom \u010dlenskom \u0161t\u00e1te. V oboch pr\u00edpadoch cezhrani\u010dn\u00e9 vykon\u00e1vanie tejto \u010dinnosti je mo\u017en\u00e9 po splnen\u00ed podmienok stanoven\u00fdch v z\u00e1kone. N\u00e1kupca \u00faverov so s\u00eddlom mimo E\u00da mus\u00ed pre \u00fa\u010dely prevodu \u00faveru ur\u010di\u0165 svojho z\u00e1stupcu so s\u00eddlom na \u00fazem\u00ed \u010dlensk\u00e9ho \u0161t\u00e1tu, ktor\u00fd bude zodpovedn\u00fd za dodr\u017eiavanie povinnost\u00ed pod\u013ea z\u00e1kona. Tak\u00fdto n\u00e1kupca \u00faverov je povinn\u00fd zabezpe\u010di\u0165 spravovanie \u00faveru opr\u00e1vnen\u00fdm subjektom aj vtedy, ak je nespl\u00e1can\u00e1 zmluva o \u00favere uzavret\u00e1 s podnikate\u013eom \u2013 fyzickou osobou, s mikropodnikom a mal\u00fdm a stredn\u00fdm podnikom.<\/p>\n<p style=\"text-align: center;\"><strong>***<\/strong><\/p>\n<p style=\"text-align: left;\">17. j\u00fana 2024. T\u00e1to pr\u00e1vna aktualiz\u00e1cia bola vypracovan\u00e1 v\u00fdlu\u010dne pre informa\u010dn\u00e9 \u00fa\u010dely a neobsahuje v\u0161etky komplexn\u00e9 inform\u00e1cie. Preto sa ned\u00e1 pova\u017eova\u0165 za pr\u00e1vne poradenstvo. Pre \u010fal\u0161ie inform\u00e1cie alebo poradenstvo t\u00fdkaj\u00face sa z\u00e1kona sa nev\u00e1hajte obr\u00e1ti\u0165 na na\u0161ich odborn\u00edkov:<\/p>\n<ul>\n<li>Michaela Jurkov\u00e1: michaela.jurkova@cechova.sk<\/li>\n<li>J\u00e1n Vigano: jan.vigano@cechova.sk<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Od 1. j\u00fana 2024 je na Slovensku \u00fa\u010dinn\u00fd nov\u00fd z\u00e1kon \u010d. 106\/2024 Z. z. o spr\u00e1vcoch \u00faverov a n\u00e1kupcoch \u00faverov&#8230;.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"episode_type":"","audio_file":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","filesize_raw":"","footnotes":""},"categories":["1","2","11","12","20","21","32","33"],"class_list":{"0":"post-4864","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"hentry","6":"category-dalsie-publikacie","8":"category-financial-law-news","9":"category-european-community-law-news","10":"category-aktuality","11":"category-pravne-novinky"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nov\u00fd z\u00e1kon o spr\u00e1vcoch \u00faverov - \u010cechov\u00e1 &amp; 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