[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.haltrava.cz\/kam-nas-mohou-dostat-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.haltrava.cz\/kam-nas-mohou-dostat-pujcky\/","headline":"Kam n\u00e1s mohou dostat p\u016fj\u010dky?","name":"Kam n\u00e1s mohou dostat p\u016fj\u010dky?","description":"V dne\u0161n\u00edm sv\u011bt\u011b je velice modern\u00ed si br\u00e1t na v\u0161echno p\u016fj\u010dky. Bereme si je i na men\u0161\u00ed v\u011bci a v\u011bci, kter\u00e9 v\u016fbec nepot\u0159ebujeme, ale prost\u011b je chceme. Pro\u010d taky ne, kdy\u017e m\u00e1m velice n\u00edzkou spl\u00e1tku? Nicm\u00e9n\u011b si mus\u00edme uv\u011bdomit, co se m\u016f\u017ee st\u00e1t, kdy\u017e nebudeme moci svoje z\u00e1vazky hradit.\u00a0M\u00e1me se \u010deho b\u00e1t? Mus\u00edme si uv\u011bdomit...","datePublished":"2025-03-04","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.haltrava.cz\/author\/#Person","name":"haltrava.cz\n","url":"https:\/\/www.haltrava.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"haltrava.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.haltrava.cz\/wp-content\/uploads\/img_a318499_w1753_t1529352659.jpg","url":"https:\/\/www.haltrava.cz\/wp-content\/uploads\/img_a318499_w1753_t1529352659.jpg","height":0,"width":0},"url":"https:\/\/www.haltrava.cz\/kam-nas-mohou-dostat-pujcky\/","about":["Finance"],"wordCount":486,"articleBody":"V dne\u0161n\u00edm sv\u011bt\u011b je velice modern\u00ed si br\u00e1t na v\u0161echno p\u016fj\u010dky. Bereme si je i na men\u0161\u00ed v\u011bci a v\u011bci, kter\u00e9 v\u016fbec nepot\u0159ebujeme, ale prost\u011b je chceme. Pro\u010d taky ne, kdy\u017e m\u00e1m velice n\u00edzkou spl\u00e1tku? Nicm\u00e9n\u011b si mus\u00edme uv\u011bdomit, co se m\u016f\u017ee st\u00e1t, kdy\u017e nebudeme moci svoje z\u00e1vazky hradit.\u00a0M\u00e1me se \u010deho b\u00e1t?Mus\u00edme si uv\u011bdomit jednu v\u011bc, \u017ee pokud nebudeme svoje z\u00e1vazky spl\u00e1cet, tak n\u00e1s postih nemine. Ka\u017ed\u00fd se m\u016f\u017ee dostat do situace, kdy zkr\u00e1tka nem\u00e1 na spl\u00e1tky pen\u00edze. Je pot\u0159eba si takovou v\u011bc uv\u011bdomit, pokud si n\u011bjak\u00e9 p\u016fj\u010dky bereme. Jestli\u017ee se dostaneme do neschopnosti spl\u00e1cet, tak n\u00e1m banka nab\u00eddne m\u011bs\u00edc a\u017e dva mo\u017enosti odkladu, n\u00e1sledn\u011b ji\u017e mus\u00edme spl\u00e1cet a doplatit i ty, kter\u00e9 jsme nezaplatili.U nebankovn\u00edch finan\u010dn\u00edch instituc\u00ed je tohle mnohem hor\u0161\u00ed, proto\u017ee \u010dasto \u017e\u00e1dn\u00fd odklad nenab\u00edz\u00ed a nen\u00ed mo\u017en\u00fd, v tom p\u0159\u00edpad\u011b n\u00e1m bude naskakovat pen\u00e1le a budou n\u00e1m chodit upom\u00ednky. Nejhor\u0161\u00ed je (hlavn\u011b u star\u0161\u00edch smluv) tzv. rozhod\u010d\u00ed dolo\u017eka. Pokud dojde k soudu a spr\u00e1vn\u00edmu \u0159\u00edzen\u00ed, tak rozhodovat bude j\u00edm pov\u011b\u0159en\u00fd \u010dlov\u011bk. Mysl\u00edte si, \u017ee bude rozhodovat pro v\u00e1s nebo pro instituci, kterou je placen\u00fd? Pokud n\u00e1sledn\u011b ani v bankovn\u00ed instituci nejsme schopni svoje z\u00e1vazky spl\u00e1cet, n\u00e1sleduj\u00ed i zde upom\u00ednky a smluvn\u00ed pokuty za neplacen\u00ed. Kdy\u017e se jedn\u00e1 o dlouhodobou z\u00e1le\u017eitost a moc se nesna\u017e\u00edme s instituc\u00ed tyto v\u011bci \u0159e\u0161it, p\u0159ijde n\u00e1m v\u00fdzva k zaplacen\u00ed a pokud ji nebudeme reflektovat, tak se dostaneme k soudu, p\u0159\u00edpad\u011b k exekutorovi. Exekuce je velk\u00fd stra\u0161\u00e1k, kam n\u00e1s p\u016fj\u010dky mohou dostat. Jen si p\u0159e\u010dt\u011bte, \u017ee takov\u00fdch lid\u00ed je \u010d\u00edm d\u00e1l v\u00edce. Jen si zkuste p\u0159edstavit, \u017ee v\u00e1m exekutor zabav\u00ed ve\u0161ker\u00fd v\u00e1\u0161 majetek a obstav\u00ed v\u00e1m plat, pokud n\u011bjak\u00fd m\u00e1te. Nehled\u011b na to, \u017ee n\u00e1klady, kter\u00e9 jsou s vym\u00e1hac\u00edm procesem nejsou v\u016fbec mal\u00e9 a odm\u011bny pro exekutory u\u017e v\u016fbec ne. P\u016fj\u010dky n\u00e1s mohou dostat do velice nep\u0159\u00edjemn\u00e9 situace.\u00a0Pokud se dostanete i do dlouhodob\u011bj\u0161\u00ed situace, \u017ee nem\u016f\u017eete spl\u00e1cet p\u016fj\u010dky, kter\u00e9 jste si vzali, tak o tom rozhodn\u011b finan\u010dn\u00ed instituci co nejd\u0159\u00edve informujte. \u010casto se d\u00e1 domluvit na r\u016fzn\u00fdch mo\u017enostech odkladu nebo sn\u00ed\u017een\u00ed spl\u00e1tek, n\u011bjak\u00e9 domluvy. Jen je pot\u0159eba ned\u011blat, \u017ee se nic ned\u011bje a nenech\u00e1vat to tak, \u017ee se to samo vy\u0159e\u0161\u00ed. Samo se nic nevy\u0159e\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kam n\u00e1s mohou dostat p\u016fj\u010dky?","item":"https:\/\/www.haltrava.cz\/kam-nas-mohou-dostat-pujcky\/#breadcrumbitem"}]}]