[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.femax.cz\/do-dluhu-muze-spadnout-kazdy-z-nas\/#Article","mainEntityOfPage":"https:\/\/www.femax.cz\/do-dluhu-muze-spadnout-kazdy-z-nas\/","headline":"Do dluh\u016f m\u016f\u017ee spadnout ka\u017ed\u00fd z n\u00e1s","name":"Do dluh\u016f m\u016f\u017ee spadnout ka\u017ed\u00fd z n\u00e1s","description":"Dluhy nejsou n\u011bco, co by bylo pro n\u00e1s neobvykl\u00e9. Spousta \u010cech\u016f se alespo\u0148 jednou za \u017eivot zav\u00e1\u017ee k n\u011bjak\u00e9mu takov\u00e9mu \u00favazku. A\u0165 u\u017e je to kreditn\u00ed karta, spot\u0159ebitelsk\u00fd \u00fav\u011br, hypot\u00e9ka, nebo si t\u0159eba vezmete auto na leasing. V\u0161echno tohle jsou p\u016fj\u010dky, kter\u00e9 jsou v\u00e1m poskytnut\u00e9 za dan\u00fdch podm\u00ednek a mus\u00edte je samoz\u0159ejm\u011b pravideln\u011b...","datePublished":"2023-05-20","dateModified":"2023-07-24","author":{"@type":"Person","@id":"https:\/\/www.femax.cz\/author\/#Person","name":"","url":"https:\/\/www.femax.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/04053961f5a3d2af1f56d865c7fc774bb6a80b9754b2f4c57fa4f8cefa253bd4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"femax.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.femax.cz\/wp-content\/uploads\/towfiqu-barbhuiya-3aGZ7a97qwA-unsplash_1.jpg","url":"https:\/\/www.femax.cz\/wp-content\/uploads\/towfiqu-barbhuiya-3aGZ7a97qwA-unsplash_1.jpg","height":0,"width":0},"url":"https:\/\/www.femax.cz\/do-dluhu-muze-spadnout-kazdy-z-nas\/","about":["Pen\u00edze"],"wordCount":405,"articleBody":"   Dluhy nejsou n\u011bco, co by bylo pro n\u00e1s neobvykl\u00e9. Spousta \u010cech\u016f se alespo\u0148 jednou za \u017eivot zav\u00e1\u017ee k n\u011bjak\u00e9mu takov\u00e9mu \u00favazku. A\u0165 u\u017e je to kreditn\u00ed karta, spot\u0159ebitelsk\u00fd \u00fav\u011br, hypot\u00e9ka, nebo si t\u0159eba vezmete auto na leasing. V\u0161echno tohle jsou p\u016fj\u010dky, kter\u00e9 jsou v\u00e1m poskytnut\u00e9 za dan\u00fdch podm\u00ednek a mus\u00edte je samoz\u0159ejm\u011b pravideln\u011b spl\u00e1cet. Pokud ne, hroz\u00ed v\u00e1m velk\u00e9 probl\u00e9my.\u010clov\u011bk se ale m\u016f\u017ee dostat do situace, kde se mu jeho dluhov\u00e1 situace vymkne z rukou. \u010casto se do takov\u00e9 situace dostanou ti, kte\u0159\u00ed neovl\u00e1daj\u00ed dostate\u010dn\u011b finan\u010dn\u00ed gramotnost, ov\u0161em faktor\u016f, kter\u00e9 mohou zap\u0159\u00ed\u010dinit to, \u017ee se v\u00e1m va\u0161e dluhy vymknout z rukou m\u016f\u017ee b\u00fdt daleko v\u00edce. Nikdy bychom nem\u011bli nikoho soudit, proto\u017ee se do t\u00e9to situace m\u016f\u017eeme dostat i my.N\u011bkdy n\u00e1s tedy situace do\u017eene a\u017e k tomu, \u017ee mus\u00edme za\u017e\u00e1dat soud o osobn\u00ed bankrot, neboli insolvenci. Co to vlastn\u011b insolvence je? Po dobu obvykle p\u011bti let budou va\u0161e ve\u0161ker\u00e9 p\u0159\u00edjmy pou\u017eity na uspokojen\u00ed v\u011b\u0159itel\u016f, kter\u00fdm dlu\u017e\u00edte pen\u00edze. V\u00e1m bude z\u016fst\u00e1vat jen minim\u00e1ln\u00ed \u010d\u00e1stka. Z va\u0161ich p\u0159\u00edjm\u016f mus\u00ed b\u00fdt v\u011b\u0159itel\u016fm zaplaceno alespo\u0148 30%. Po skon\u010den\u00ed lh\u016fty soud rozhodne, zda byli v\u011b\u0159itel\u00e9 dostate\u010dn\u011b uspokojeni a ukon\u010d\u00ed va\u0161\u00ed insolvenci. T\u00edm se v\u0161echny va\u0161e dluhy sma\u017eou a m\u016f\u017eete za\u010d\u00edt s \u010dist\u00fdm \u0161t\u00edtem.Probl\u00e9m ov\u0161em je, pokud si budete cht\u00edt za\u017e\u00e1dat o n\u011bjakou p\u016fj\u010dku. Va\u0161e jm\u00e9no uvid\u00ed banky a jin\u00e9 instituce v insolve\u010dn\u00edm rejst\u0159\u00edku je\u0161t\u011b p\u011bt let po skon\u010den\u00ed insolvence. Pro banku to p\u0159edstavuje probl\u00e9m, proto\u017ee jste pro ni t\u00edmto nespolehliv\u00fd spl\u00e1tce. Po t\u0159eba 3 \u2013 4 letech si m\u016f\u017eete zkusit za\u017e\u00e1dat o men\u0161\u00ed p\u016fj\u010dku, pokud ji nutn\u011b pot\u0159ebujete, ov\u0161em na hypot\u00e9ku m\u016f\u017eete zpravidla zapomenout do doby, ne\u017e p\u011btilet\u00e1 lh\u016fta uplyne.Na\u0161t\u011bst\u00ed existuj\u00ed i spole\u010dnosti, kter\u00e9 v\u00e1m poskytnou hypot\u00e9ku i b\u011bhem t\u00e9to p\u011btilet\u00e9 lh\u016fty. Pod\u00edvejte se nap\u0159\u00edklad na nab\u00eddku hypot\u00e9ky po insolvenci Nebankovn\u00ed hypot\u00e9ky.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Do dluh\u016f m\u016f\u017ee spadnout ka\u017ed\u00fd z n\u00e1s","item":"https:\/\/www.femax.cz\/do-dluhu-muze-spadnout-kazdy-z-nas\/#breadcrumbitem"}]}]