[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.na-dlani.cz\/co-obnasi-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.na-dlani.cz\/co-obnasi-pujcky\/","headline":"Co obn\u00e1\u0161\u00ed p\u016fj\u010dky","name":"Co obn\u00e1\u0161\u00ed p\u016fj\u010dky","description":"Sou\u010dasn\u00e1 doba p\u0159eje p\u016fj\u010dk\u00e1m. Nechceme rozhodn\u011b nikoho odrazovat od \u00fav\u011br\u016f, ale ur\u010dit\u011b by si m\u011bl ka\u017ed\u00fd uv\u011bdomit mo\u017en\u00e1 rizika. Je d\u016fle\u017eit\u00e9 m\u00edt ur\u010dit\u00e9 rezervy a nebrat si \u00fav\u011br na hran\u011b mo\u017enost\u00ed. U \u00fav\u011bru plat\u00ed, \u010d\u00edm del\u0161\u00ed doba spl\u00e1cen\u00ed, t\u00edm v\u00edce zaplat\u00edte na \u00faroc\u00edch. Pokud se dostanete do prodlen\u00ed, mus\u00edte po\u010d\u00edtat s dal\u0161\u00edm pen\u00e1le, dalo by […]","datePublished":"2020-10-19","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.na-dlani.cz\/author\/#Person","name":"na-dlani.cz\n","url":"https:\/\/www.na-dlani.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"na-dlani.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.na-dlani.cz\/wp-content\/uploads\/img_a278659_w1738_t1602480941.jpg","url":"https:\/\/www.na-dlani.cz\/wp-content\/uploads\/img_a278659_w1738_t1602480941.jpg","height":0,"width":0},"url":"https:\/\/www.na-dlani.cz\/co-obnasi-pujcky\/","about":["Ekonomika"],"wordCount":446,"articleBody":"Sou\u010dasn\u00e1 doba p\u0159eje p\u016fj\u010dk\u00e1m. Nechceme rozhodn\u011b nikoho odrazovat od \u00fav\u011br\u016f, ale ur\u010dit\u011b by si m\u011bl ka\u017ed\u00fd uv\u011bdomit mo\u017en\u00e1 rizika. Je d\u016fle\u017eit\u00e9 m\u00edt ur\u010dit\u00e9 rezervy a nebrat si \u00fav\u011br na hran\u011b mo\u017enost\u00ed. U \u00fav\u011bru plat\u00ed, \u010d\u00edm del\u0161\u00ed doba spl\u00e1cen\u00ed, t\u00edm v\u00edce zaplat\u00edte na \u00faroc\u00edch. Pokud se dostanete do prodlen\u00ed, mus\u00edte po\u010d\u00edtat s dal\u0161\u00edm pen\u00e1le, dalo by se to nazvat tak\u00e9 jako \u00faroky z \u00farok\u016f a v kone\u010dn\u00e9m d\u016fsledku p\u0159eplat\u00edte skute\u010dn\u011b extr\u00e9mn\u011b mnoho.Mnoho lid\u00ed se domn\u00edv\u00e1, \u017ee banky nab\u00edzej\u00ed spl\u00e1tkov\u00fd individu\u00e1ln\u00ed spl\u00e1tkov\u00fd kalend\u00e1\u0159, ale jedn\u00e1 se o not\u00e1\u0159sk\u00fd z\u00e1pis, co\u017e je elegantn\u00ed slovo pro exeku\u010dn\u00ed p\u0159\u00edkaz. Not\u00e1\u0159sk\u00fd z\u00e1pis mus\u00edte zaplatit v \u0159\u00e1dech mnoha tis\u00edc korun a jedn\u00e1 se v podstat\u011b o to, \u017ee kdy\u017e nebudete platit podle individu\u00e1ln\u00edho spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e v\u010das, banka m\u016f\u017ee s V\u00e1mi za\u010d\u00edt exeku\u010dn\u00ed \u0159\u00edzen\u00ed, ani\u017e by bylo nutn\u00e9 soudn\u00ed rozhodnut\u00ed. Samotn\u00e9 exeku\u010dn\u00ed \u0159\u00edzen\u00ed pak stoj\u00ed a\u017e des\u00edtky tis\u00edc korun.Mnoho lidem tedy nezb\u00fdv\u00e1 ne\u017e vyhl\u00e1sit osobn\u00ed bankrot. Krom\u011b toho, \u017ee p\u011bt let budete \u017eivo\u0159it na hran\u011b sp\u00ed\u0161e existen\u010dn\u00edho ne\u017e \u017eivotn\u00edho minima, mus\u00edte po\u010d\u00edtat s t\u00edm, \u017ee zaplat\u00edte za zprost\u0159edkov\u00e1n\u00ed firm\u011b, kter\u00e1 insolvenci vy\u0159izuje, ale to je\u0161t\u011b nen\u00ed zdaleka v\u0161echno. Mus\u00edte po\u010d\u00edtat s t\u00edm, \u017ee m\u011bs\u00ed\u010dn\u011b z odv\u00e1d\u011bn\u00e9 \u010d\u00e1stky budete platit je\u0161t\u011b 1089 korun spr\u00e1vci, kter\u00fd povede Va\u0161i agendu.\u00a0Na lidsk\u00e9m ne\u0161t\u011bst\u00ed se toti\u017e vyd\u011bl\u00e1v\u00e1 nejl\u00e9pe. To si mnoho lid\u00ed neuv\u011bdomuje a vkone\u010dn\u00e9m d\u016fsledku na osobn\u00ed bankrot nedos\u00e1hnou a svou situaci mus\u00ed \u0159e\u0161it konkurzem, co\u017e obvykle obn\u00e1\u0161\u00ed celo\u017eivotn\u00ed spl\u00e1cen\u00ed dluhu, proto\u017ee doty\u010dn\u00fd v podstat\u011b nezvl\u00e1d\u00e1 spl\u00e1cet ani \u00faroky z \u00farok\u016f.Dostat se do t\u00e9to situace je naprosto zoufal\u00e9 a proto, kdy\u017e se ocitnete v platebn\u00ed neschopnosti, je d\u016fle\u017eit\u00e9 za\u010d\u00edt probl\u00e9my \u0159e\u0161it v\u010das.Pokud se ocitnete v konkurzu, je d\u016fle\u017eit\u00e9 v\u011bd\u011bt dv\u011b v\u011bci. Va\u0161e dluhy nemus\u00ed Va\u0161e d\u011bti platit, proto\u017ee mohou odm\u00edtnout d\u011bdictv\u00ed (v tomto p\u0159\u00edpad\u011b dluhy) a tak\u00e9 je t\u0159eba zn\u00e1t skute\u010dnost, \u017ee existuje jak\u00e9si nezabaviteln\u00e9 minimum, tedy \u010d\u00e1stka \u017eivotn\u00edho minima, kter\u00e1 V\u00e1m mus\u00ed z\u016fstat po ode\u010dten\u00ed v\u0161ech n\u00e1klad\u016f.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co obn\u00e1\u0161\u00ed p\u016fj\u010dky","item":"https:\/\/www.na-dlani.cz\/co-obnasi-pujcky\/#breadcrumbitem"}]}]