[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.infe.cz\/nejlepsi-je-nepujcovat-si\/#Article","mainEntityOfPage":"https:\/\/www.infe.cz\/nejlepsi-je-nepujcovat-si\/","headline":"Nejlep\u0161\u00ed je nep\u016fj\u010dovat si","name":"Nejlep\u0161\u00ed je nep\u016fj\u010dovat si","description":"Nejlep\u0161\u00ed zp\u016fsob, jak se neocitnout v dluz\u00edch je samoz\u0159ejm\u011b nep\u016fj\u010dovat si. S p\u016fj\u010dkami je to trochu jako s pit\u00edm alkoholika. S prvn\u00ed p\u016fj\u010dkou \u010dlov\u011bk ot\u00e1l\u00ed. Ta jedna jedin\u00e1 p\u0159itom nen\u00ed ve sv\u00e9 podstat\u011b nebezpe\u010dn\u00e1 a z\u00e1rove\u0148 je vra\u017eedn\u00e1 v tom, \u017ee odstran\u00ed z\u00e1brany. Najednou m\u00e1 dlu\u017en\u00edk m\u00edsto jedn\u00e9 pohled\u00e1vky pohled\u00e1vek t\u0159eba i deset a v\u00edce. ... <a title=\"Nejlep\u0161\u00ed je nep\u016fj\u010dovat si\" class=\"read-more\" href=\"https:\/\/www.infe.cz\/nejlepsi-je-nepujcovat-si\/\">Read more<span class=\"screen-reader-text\">Nejlep\u0161\u00ed je nep\u016fj\u010dovat si<\/span><\/a>","datePublished":"2017-10-27","dateModified":"2023-05-11","author":{"@type":"Person","@id":"https:\/\/www.infe.cz\/author\/#Person","name":"","url":"https:\/\/www.infe.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/da76ffe9456a057fb26f92cd8eb3d2effca853864e9ae2a35290bd1e10b1f7d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"infe.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.infe.cz\/wp-content\/uploads\/img_a303705_w2131_t1514360808.jpg","url":"https:\/\/www.infe.cz\/wp-content\/uploads\/img_a303705_w2131_t1514360808.jpg","height":0,"width":0},"url":"https:\/\/www.infe.cz\/nejlepsi-je-nepujcovat-si\/","wordCount":420,"articleBody":"Nejlep\u0161\u00ed zp\u016fsob, jak se neocitnout v dluz\u00edch je samoz\u0159ejm\u011b nep\u016fj\u010dovat si. S p\u016fj\u010dkami je to trochu jako s pit\u00edm alkoholika. S prvn\u00ed p\u016fj\u010dkou \u010dlov\u011bk ot\u00e1l\u00ed. Ta jedna jedin\u00e1 p\u0159itom nen\u00ed ve sv\u00e9 podstat\u011b nebezpe\u010dn\u00e1 a z\u00e1rove\u0148 je vra\u017eedn\u00e1 v tom, \u017ee odstran\u00ed z\u00e1brany. Najednou m\u00e1 dlu\u017en\u00edk m\u00edsto jedn\u00e9 pohled\u00e1vky pohled\u00e1vek t\u0159eba i deset a v\u00edce. Je to neuv\u011b\u0159iteln\u00e9, ale tak to chod\u00ed. Kdy\u017e u\u017e jsou dluhy, na moralizov\u00e1n\u00ed skute\u010dn\u011b nen\u00ed \u010das. Je t\u0159eba situaci za\u010d\u00edt co nejd\u0159\u00edv \u0159e\u0161it. Proto\u017ee se V\u00e1m velmi pravd\u011bpodobn\u011b m\u016f\u017ee st\u00e1t, \u017ee se ocitnete v situaci, kdy nebudete schopni platit ani procenta z prodlen\u00ed. Jak\u00e1 je cesta z pekla zvan\u00e9ho dluhy? T\u011bch cest nen\u00ed rozhodn\u011b mnoho a ani jedna nen\u00ed p\u0159\u00edjemn\u00e1.  \u0158e\u0161en\u00ed m\u016f\u017ee b\u00fdt insolvence Mnoz\u00ed lid\u00e9 situaci \u0159e\u0161\u00ed insolvenc\u00ed. P\u011bt let \u017eivot na \u017eivotn\u00edm minimu a povinnost splatit alespo\u0148 30% v\u0161ech pohled\u00e1vek. Vypad\u00e1 to jako pohoda, ale je t\u0159eba si uv\u011bdomit n\u011bkolik v\u011bc\u00ed. Krom\u011b pohled\u00e1vek budete ka\u017ed\u00fd m\u011bs\u00edc platit insolven\u010dn\u00edmu spr\u00e1vci odm\u011bnu 1089,- K\u010d za to, \u017ee p\u0159epo\u0161le pen\u00edze v\u011b\u0159itel\u016fm. Insolvence je dobr\u00e1 pro lidi sp\u00ed\u0161e s ni\u017e\u0161\u00edmi p\u0159\u00edjmy, kte\u0159\u00ed z\u00e1rove\u0148 dos\u00e1hnout alespo\u0148 na n\u011bjak\u00e9 soci\u00e1ln\u00ed p\u0159\u00eddavky jako t\u0159eba p\u0159\u00edsp\u011bvek na bydlen\u00ed nebo na d\u011bti, proto\u017ee \u010d\u00e1stka, kterou V\u00e1m insolven\u010dn\u00ed spr\u00e1vce nech\u00e1 ve skute\u010dnosti ani \u017eivotn\u00edmu minimu neodpov\u00edd\u00e1. Insolvence je dobr\u00e1 pro ty, kte\u0159\u00ed maj\u00ed zam\u011bstnavatele, kter\u00fd si m\u016f\u017ee dovolit riskovat malou \u010dernotu, \u017ee V\u00e1m ofici\u00e1ln\u011b sn\u00ed\u017e\u00ed plat a \u010d\u00e1st platu V\u00e1m bude d\u00e1vat \u201ena ruku.\u201c  Kdy\u017e je insolvence nep\u0159ijateln\u00e1 Pro mnoh\u00e9 je insolvence nep\u0159ijateln\u00e1. Co d\u011blat? Nejlep\u0161\u00ed by bylo, kdybyste v\u0161echny sv\u00e9 pohled\u00e1vky zkonsolidovali. Jenom\u017ee \u017e\u00e1dn\u00e1 banka V\u00e1m u\u017e dost mo\u017en\u00e1 nep\u016fj\u010d\u00ed.Jedn\u00edm ze zp\u016fsob\u016f, jak vy\u0159e\u0161it dluhy je hypot\u00e9ka. Hypot\u00e9ka je na n\u00edzk\u00fd \u00farok a dlouhou dobu, je to rozhodn\u011b jeden ze zp\u016fsob\u016f, jak lze umo\u0159it pohled\u00e1vky.  M\u016f\u017eete si o tom n\u011bco m\u00e1lo p\u0159e\u010d\u00edst:  V sou\u010dasn\u00e9 dob\u011b najdete na trhu krom\u011b bankovn\u00edch hypot\u00e9k i hypot\u00e9ky nebankovn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nejlep\u0161\u00ed je nep\u016fj\u010dovat si","item":"https:\/\/www.infe.cz\/nejlepsi-je-nepujcovat-si\/#breadcrumbitem"}]}]