[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mechurova.cz\/jak-se-vymotat-z-dluhove-pasti\/#Article","mainEntityOfPage":"https:\/\/www.mechurova.cz\/jak-se-vymotat-z-dluhove-pasti\/","headline":"Jak se vymotat z dluhov\u00e9 pasti","name":"Jak se vymotat z dluhov\u00e9 pasti","description":"T\u00e9m\u011b\u0159 ka\u017ed\u00e1 rodina ale i jednotlivec se pot\u00fdk\u00e1 s\u00a0pl\u00e1novan\u00fdmi ale i neo\u010dek\u00e1van\u00fdmi v\u00fddaji. Ne ka\u017ed\u00fd m\u00e1 pen\u00edze na koupi domu nebo bytu, proto ho...","datePublished":"2019-12-22","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.mechurova.cz\/author\/#Person","name":"","url":"https:\/\/www.mechurova.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06473a178d94fb830b46e277369729e9534f2612e261ec2f1ee96b672ef473e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mechurova.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mechurova.cz\/wp-content\/uploads\/img_a362863_w3853_t1575808046.jpg","url":"https:\/\/www.mechurova.cz\/wp-content\/uploads\/img_a362863_w3853_t1575808046.jpg","height":0,"width":0},"url":"https:\/\/www.mechurova.cz\/jak-se-vymotat-z-dluhove-pasti\/","about":["Finance"],"wordCount":561,"articleBody":"T\u00e9m\u011b\u0159 ka\u017ed\u00e1 rodina ale i jednotlivec se pot\u00fdk\u00e1 s\u00a0pl\u00e1novan\u00fdmi ale i neo\u010dek\u00e1van\u00fdmi v\u00fddaji. Ne ka\u017ed\u00fd m\u00e1 pen\u00edze na koupi domu nebo bytu, proto ho nemine vy\u0159izov\u00e1n\u00ed hypote\u010dn\u00edho \u00fav\u011bru. V\u00a0pr\u016fb\u011bhu \u017eivota si po\u0159\u00edd\u00edme auto, chceme rekonstruovat sv\u00e9 bydlen\u00ed, po\u0159\u00edd\u00edme vybaven\u00ed dom\u00e1cnosti a \u0159e\u0161\u00edme dal\u0161\u00ed n\u00e1klady. A s\u00a0t\u00edm samoz\u0159ejm\u011b rostou i na\u0161e z\u00e1vazky, pokud nem\u00e1me pot\u0159ebn\u00e9 finance k\u00a0dispozici. Bohu\u017eel n\u011bkter\u00e9 v\u00fddaje si vytv\u00e1\u0159\u00edme sami zbyte\u010dn\u011b, proto\u017ee po\u0159izujeme v\u011bci, kter\u00e9 a\u017e tak nepot\u0159ebujeme.Prvotn\u00ed pocit radosti z\u00a0nov\u011b po\u0159\u00edzen\u00fdch v\u011bc\u00ed vyst\u0159\u00edd\u00e1 p\u00e1d do reality, kdy\u017e n\u00e1m za\u010dnou chodit slo\u017eenky k\u00a0zaplacen\u00ed spl\u00e1tek. A jeliko\u017e se upom\u00ednky nabaluj\u00ed a my nest\u00edh\u00e1me sv\u00e9 z\u00e1vazky spl\u00e1cet, dost\u00e1v\u00e1me se do velmi sv\u00edzeln\u00e9 a nep\u0159\u00edjemn\u00e9 situace. Proto je zapot\u0159eb\u00ed sv\u00e9 z\u00e1vazky za\u010d\u00edt \u0159e\u0161it zav\u010das a ne\u010dekat na to, a\u017e n\u00e1s obe\u0161le soud s\u00a0na\u0159\u00edzen\u00edm exekuce. V\u00a0po\u010d\u00e1tku m\u016f\u017eeme za\u017e\u00e1dat o refinancov\u00e1n\u00ed sv\u00fdch dluh\u016f, a\u0165 u\u017e u bankovn\u00edch nebo nebankovn\u00edch instituc\u00ed. Pokud v\u0161ak na\u0161e dluhy p\u0159evy\u0161uj\u00ed hodnotu na\u0161eho majetku, p\u0159ich\u00e1z\u00ed v\u00a0\u00favahu vyhl\u00e1sit osobn\u00ed bankrot, jinak \u0159e\u010deno \u00fapadek, insolvence.Z\u00e1kladn\u00edmi p\u0159edpoklady pro vyhl\u00e1\u0161en\u00ed \u00fapadku je existence minim\u00e1ln\u011b dvou v\u011b\u0159itel\u016f, kter\u00fdm dlu\u017e\u00edte a tyto z\u00e1vazky nepln\u00edte minim\u00e1ln\u011b 30 dn\u016f, tzn. jsou po splatnosti minim\u00e1ln\u011b 3 m\u011bs\u00edce. Pokud m\u00e1te zpo\u017ed\u011bn\u00ed s\u00a0\u00fahradou dluhu n\u011bkolik dni, tak se nejedn\u00e1 o \u00fapadek, ale pokud v\u00e1m s\u00a0t\u00edmto nehrazen\u00edm vznikaj\u00ed dal\u0161\u00ed dluhy, lze uva\u017eovat o pod\u00e1n\u00ed insolven\u010dn\u00edho n\u00e1vrhu.Insolven\u010dn\u00ed n\u00e1vrh si m\u016f\u017eete sepsat sami, pokud se na to nec\u00edt\u00edte, sv\u011b\u0159te jej do ruky advok\u00e1tovi, not\u00e1\u0159i nebo r\u016fzn\u00fdm sdru\u017een\u00edm, kter\u00e9 si za seps\u00e1n\u00ed n\u00e1vrhu ne\u00fa\u010dtuj\u00ed, na rozd\u00edl od advok\u00e1t\u016f a not\u00e1\u0159\u016f, \u017e\u00e1dn\u00e9 pen\u00edze. Po odesl\u00e1n\u00ed n\u00e1vrhu na p\u0159\u00edslu\u0161n\u00fd insolven\u010dn\u00ed soud bude vyd\u00e1na tzv. vyhl\u00e1\u0161ka, kterou se st\u00e1v\u00e1te chr\u00e1n\u011bni v\u016f\u010di exekuc\u00edm. P\u0159edpokladem pro schv\u00e1len\u00ed oddlu\u017een\u00ed je, \u017ee mus\u00edte m\u00edt pravideln\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem, ze kter\u00e9ho lze plnit. Pokud jej nem\u00e1te, nab\u00edz\u00ed se jedin\u011b mo\u017enost darovac\u00ed smlouvy s\u00a0n\u011bjakou osobou bl\u00edzkou. Jakmile se probojujete t\u00edmto procesem a bude v\u00e1m povoleno oddlu\u017een\u00ed, nezb\u00fdv\u00e1 ne\u017e zaplatit va\u0161im v\u011b\u0159itel\u016fm za dobu 5 let minim\u00e1ln\u011b 30% sv\u00fdch z\u00e1vazk\u016f. P\u0159esn\u00e9 procento je ale u ka\u017ed\u00e9ho rozd\u00edln\u00e9, hlavn\u00ed roli hraje v\u00fd\u0161e dluh\u016f a \u010d\u00e1stka k\u00a0pln\u011bn\u00ed.Obecn\u011b se ale d\u00e1 \u0159\u00edci, \u017ee se podm\u00ednky k\u00a0vyhl\u00e1\u0161en\u00ed \u00fapadku zm\u00edr\u0148uj\u00ed a \u010d\u00edm d\u00e1l v\u00edce jedinc\u016f na n\u011bj dosahuje. Proto pokud jste se do tohoto \u010dl\u00e1nku za\u010detli a m\u00e1te pocit, \u017ee se v\u00e1s t\u00fdk\u00e1, ne\u010dekejte na nic a zkuste situaci \u0159e\u0161it.\u00a0 4.4\/5 - (5 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se vymotat z dluhov\u00e9 pasti","item":"https:\/\/www.mechurova.cz\/jak-se-vymotat-z-dluhove-pasti\/#breadcrumbitem"}]}]