[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/kastea.cz\/insolvence-je-problem\/#Article","mainEntityOfPage":"https:\/\/kastea.cz\/insolvence-je-problem\/","headline":"Insolvence je probl\u00e9m","name":"Insolvence je probl\u00e9m","description":"Je nutn\u00e9 si uv\u011bdomit, \u017ee je velice snadn\u00e9 se dostat do dluh\u016f. N\u011bkte\u0159\u00ed lid\u00e9 postr\u00e1daj\u00ed finan\u010dn\u00ed gramotnost, a tak si p\u016fj\u010duj\u00ed nemal\u00e9 finan\u010dn\u00ed obnosy i na naprost\u00e9 zbyte\u010dnosti. Typick\u00fdm p\u0159\u00edkladem je drah\u00e1 elektronika, dokonce zna\u010dkov\u00e9 kabelky a nebo dovolen\u00e9 \u010di v\u00e1no\u010dn\u00ed d\u00e1rky. Zjednodu\u0161en\u011b \u0159e\u0161eno, pokud na n\u011bco tak zbyte\u010dn\u00e9ho nem\u00e1te finance z vlastn\u00edch zdroj\u016f, nebudete […]","datePublished":"2024-06-11","dateModified":"2024-06-11","author":{"@type":"Person","@id":"https:\/\/kastea.cz\/author\/#Person","name":"","url":"https:\/\/kastea.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/c670451c29ea740735895e22bccdc4f6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c670451c29ea740735895e22bccdc4f6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kastea.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/kastea.cz\/wp-content\/uploads\/car-5246178_640_10_10.jpg","url":"https:\/\/kastea.cz\/wp-content\/uploads\/car-5246178_640_10_10.jpg","height":0,"width":0},"url":"https:\/\/kastea.cz\/insolvence-je-problem\/","wordCount":408,"articleBody":" Je nutn\u00e9 si uv\u011bdomit, \u017ee je velice snadn\u00e9 se dostat do dluh\u016f. N\u011bkte\u0159\u00ed lid\u00e9 postr\u00e1daj\u00ed finan\u010dn\u00ed gramotnost, a tak si p\u016fj\u010duj\u00ed nemal\u00e9 finan\u010dn\u00ed obnosy i na naprost\u00e9 zbyte\u010dnosti. Typick\u00fdm p\u0159\u00edkladem je drah\u00e1 elektronika, dokonce zna\u010dkov\u00e9 kabelky a nebo dovolen\u00e9 \u010di v\u00e1no\u010dn\u00ed d\u00e1rky. Zjednodu\u0161en\u011b \u0159e\u0161eno, pokud na n\u011bco tak zbyte\u010dn\u00e9ho nem\u00e1te finance z vlastn\u00edch zdroj\u016f, nebudete m\u00edt za chv\u00edli ani na spl\u00e1tky. Rad\u011bji spo\u0159te a pokud po dan\u00e9 v\u011bci opravdu hodn\u011b tou\u017e\u00edte, m\u016f\u017eete si ji potom koupit za hotov\u00e9. A to je daleko lep\u0161\u00ed i levn\u011bj\u0161\u00ed ne\u017e spl\u00e1cet nejen spl\u00e1tky, ale i \u00faroky, kter\u00e9 neb\u00fdvaj\u00ed zrovna n\u00edzk\u00e9.Kdy\u017e m\u00e1 n\u011bkdo tolik dluh\u016f \u017ee je nedok\u00e1\u017ee spl\u00e1cet ani kdy\u017e chod\u00ed do pr\u00e1ce a m\u00e1 snahu, v\u011bt\u0161inou si za\u017e\u00e1d\u00e1 o insolvenci. Soud po pe\u010dliv\u00e9m zv\u00e1\u017een\u00ed cel\u00e9 situace insolvenci \u010dasto povoluje, a dlu\u017en\u00edk je povinen uhradit ur\u010dit\u00e9 procento z celkov\u00e9ho objemu dlu\u017en\u00e9 \u010d\u00e1stky, a to do p\u011bti let. N\u00e1sledn\u011b je \u010dlov\u011bk veden\u00fd n\u011bkolik let v registru dlu\u017en\u00edk\u016f, proto\u017ee je to nejen pro ochranu jeho samotn\u00e9ho, ale i pro ochranu instituc\u00ed, kter\u00e9 poskytuj\u00ed p\u016fj\u010dky.Mnoho lid\u00ed si v dne\u0161n\u00ed dob\u011b p\u016fj\u010duje pen\u00edze na auto, co\u017e nen\u00ed zase takov\u00e1 zbyte\u010dnost. N\u011bkdo si koup\u00ed ojet\u00e9 auto t\u0159eba za 300 tis\u00edc, aby mu p\u00e1r let vydr\u017eelo. V takov\u00fdch p\u0159\u00edpadech se finan\u010dn\u00ed instituce v\u017edy d\u00edvaj\u00ed do registr\u016f, zda v n\u011bm nenajdou jm\u00e9no \u017eadatele o \u00fav\u011br. Snad neexistuje spole\u010dnost, kter\u00e1 by poskytovala auto na spl\u00e1tky pro lidi v insolvenci, proto\u017ee je u nich opravdu velice vysok\u00e9 riziko, \u017ee nebudou schopn\u00ed spl\u00e1cet. Takov\u00ed lid\u00e9 v\u011bt\u0161inou berou neuv\u00e1\u017een\u011b p\u016fj\u010dky ve v\u011bt\u0161\u00edm objemu od pochybn\u00fdch spole\u010dnost\u00ed, kter\u00e9 ne\u0159e\u0161\u00ed zda na spl\u00e1cen\u00ed p\u016fj\u010dek doty\u010dn\u00fd m\u00e1 \u010di nikoliv. Pokud nejste v exekuci ani v insolvenci a chcete auto na spl\u00e1tky, nebude s t\u00edm nejsp\u00ed\u0161 \u017e\u00e1dn\u00fd probl\u00e9m. Vy\u0159e\u0161te \u0161patnou situaci s va\u0161\u00edm autem a nahra\u010fte ho kone\u010dn\u011b nov\u00fdm, i kdybyste ho museli spl\u00e1cet p\u00e1r m\u011bs\u00edc\u016f.                                                                                                                                                                                                                                                                                                                                                                                         4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Insolvence je probl\u00e9m","item":"https:\/\/kastea.cz\/insolvence-je-problem\/#breadcrumbitem"}]}]