[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lnkm.cz\/co-muzete-udelat-kdyz-vam-splatky-prerustaji-pres-hlavu\/#Article","mainEntityOfPage":"https:\/\/www.lnkm.cz\/co-muzete-udelat-kdyz-vam-splatky-prerustaji-pres-hlavu\/","headline":"Co m\u016f\u017eete ud\u011blat, kdy\u017e V\u00e1m spl\u00e1tky p\u0159er\u016fstaj\u00ed p\u0159es hlavu?","name":"Co m\u016f\u017eete ud\u011blat, kdy\u017e V\u00e1m spl\u00e1tky p\u0159er\u016fstaj\u00ed p\u0159es hlavu?","description":"M\u00e1lokdo z\u00a0lid\u00ed, kdy\u017e si berou p\u016fj\u010dku, p\u0159em\u00fd\u0161l\u00ed o tom, co v\u0161echno se b\u011bhem doby spl\u00e1cen\u00ed m\u016f\u017ee st\u00e1t, ka\u017ed\u00fd si v\u011b\u0159\u00ed, \u017ee p\u0159ece \u201ej\u00e1 nep\u0159ijdu o pr\u00e1ci, neb\u00fdv\u00e1m nemocn\u00fd, pro\u010d bych m\u011bl dlouhodob\u011b onemocn\u011bt apod.\u201c, jen\u017ee takov\u00e9 v\u011bci se mohou p\u0159ihodit komukoliv z\u00a0n\u00e1s, a kolik lid\u00ed o tomhle p\u0159em\u00fd\u0161l\u00ed, kdy\u017e si p\u016fj\u010dku sjedn\u00e1v\u00e1? Jist\u011b, pr\u00e1ci si m\u016f\u017eete t\u00e9m\u011b\u0159 okam\u017eit\u011b naj\u00edt novou,<br><br><a class=\"more-link\" href=\"https:\/\/www.lnkm.cz\/co-muzete-udelat-kdyz-vam-splatky-prerustaji-pres-hlavu\/\">\u010c\u00edst v\u00edce<\/a>","datePublished":"2018-09-04","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.lnkm.cz\/author\/#Person","name":"lnkm.cz\n","url":"https:\/\/www.lnkm.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/093836c6bc976bea6a4c3cd39f9136c261430c33201aa865249fef2be34e3fdb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/093836c6bc976bea6a4c3cd39f9136c261430c33201aa865249fef2be34e3fdb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lnkm.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lnkm.cz\/wp-content\/uploads\/img_a324271_w1766_t1536064904.png","url":"https:\/\/www.lnkm.cz\/wp-content\/uploads\/img_a324271_w1766_t1536064904.png","height":0,"width":0},"url":"https:\/\/www.lnkm.cz\/co-muzete-udelat-kdyz-vam-splatky-prerustaji-pres-hlavu\/","about":["Pen\u00edze"],"wordCount":487,"articleBody":"M\u00e1lokdo z\u00a0lid\u00ed, kdy\u017e si berou p\u016fj\u010dku, p\u0159em\u00fd\u0161l\u00ed o tom, co v\u0161echno se b\u011bhem doby spl\u00e1cen\u00ed m\u016f\u017ee st\u00e1t, ka\u017ed\u00fd si v\u011b\u0159\u00ed, \u017ee p\u0159ece \u201ej\u00e1 nep\u0159ijdu o pr\u00e1ci, neb\u00fdv\u00e1m nemocn\u00fd, pro\u010d bych m\u011bl dlouhodob\u011b onemocn\u011bt apod.\u201c, jen\u017ee takov\u00e9 v\u011bci se mohou p\u0159ihodit komukoliv z\u00a0n\u00e1s, a kolik lid\u00ed o tomhle p\u0159em\u00fd\u0161l\u00ed, kdy\u017e si p\u016fj\u010dku sjedn\u00e1v\u00e1?Jist\u011b, pr\u00e1ci si m\u016f\u017eete t\u00e9m\u011b\u0159 okam\u017eit\u011b naj\u00edt novou, ALE \u2013 bude stejn\u011b dob\u0159e placen\u00e1, jako ta p\u0159edchoz\u00ed? Na \u00da\u0159adu pr\u00e1ce V\u00e1m podporu v\u00a0nezam\u011bstnanosti vym\u011b\u0159\u00ed jen ve v\u00fd\u0161i 60 procent Va\u0161ich dosavadn\u00edch p\u0159\u00edjm\u016f, a to u\u017e v\u016fbec nen\u00ed \u017e\u00e1dn\u00e1 v\u00fdhra.I kdy\u017e se budete sna\u017eit spl\u00e1cet i ni\u017e\u0161\u00ed spl\u00e1tky, pravd\u011bpodobn\u011b na V\u00e1s nikdo exekutora nepo\u0161lou, ale budou V\u00e1m st\u00e1le nar\u016fstat \u00faroky a Va\u0161e ni\u017e\u0161\u00ed spl\u00e1tky za kr\u00e1tkou dobu nebudou sta\u010dit ani na m\u011bs\u00ed\u010dn\u00ed \u00farok, tak\u017ee V\u00e1m dluh bude st\u00e1le nar\u016fstat, a konec spl\u00e1cen\u00ed budete m\u00edt v\u00a0nedohlednu.Velk\u00e1 spousta lid\u00ed, kte\u0159\u00ed si takto p\u016fj\u010dili, a n\u00e1sledn\u011b nezvl\u00e1dali spl\u00e1cet, potom \u017e\u00e1d\u00e1 o tzv. osobn\u00ed bankrot, jist\u011b u\u017e o tom sly\u0161ela v\u011bt\u0161ina z\u00a0n\u00e1s, zd\u00e1 se to jako dobr\u00e9 \u0159e\u0161en\u00ed, ale tak\u00e9 to znamen\u00e1, \u017ee 5 let budete \u017e\u00edt z\u00a0absolutn\u00edho minima, pro \u010dlov\u011bka, kter\u00fd \u017eije s\u00e1m, to m\u016f\u017ee znamenat, \u017ee st\u011b\u017e\u00ed zaplat\u00ed n\u00e1jem, z\u00e1kladn\u00ed potraviny, d\u00e1 se \u0159\u00edci, \u017ee 5 let \u201ep\u0159e\u017e\u00edv\u00e1\u201c.P\u0159ed takov\u00fdm rozhodnut\u00edm zkuste zv\u00e1\u017eit je\u0161t\u011b dal\u0161\u00ed mo\u017enosti, jednou z\u00a0mo\u017enost\u00ed pohodln\u00e9ho spl\u00e1cen\u00ed m\u016f\u017ee b\u00fdt nebankovn\u00ed hypot\u00e9ka \u2013 co p\u0159esn\u011b by to pro V\u00e1s znamenalo? U nebankovn\u00ed hypot\u00e9ky existuje v\u00edce mo\u017enost\u00ed, mohou V\u00e1m toti\u017e Va\u0161e p\u016fj\u010dky zkonsolidovat nebo refinancovat, a spl\u00e1cet m\u016f\u017eete u n\u011bkter\u00fdch 25 let i v\u00edce. Spl\u00e1tky u takto refinancovan\u00fdch p\u016fj\u010dek se V\u00e1m tedy m\u016f\u017ee poda\u0159it, \u017ee budete spl\u00e1cet jednu ni\u017e\u0161\u00ed spl\u00e1tku ne\u017e dosud, ov\u0161em mus\u00edte prok\u00e1zat, \u017ee jste schopni spl\u00e1cet, nebo m\u016f\u017eete ru\u010dit svou nemovitost\u00ed. V\u011bt\u0161ina spole\u010dnost\u00ed, kter\u00e9 nebankovn\u00ed hypot\u00e9ky ru\u010den\u00ed nemovitost\u00ed p\u0159\u00edmo vy\u017eaduje, ale najdou se i takov\u00e9, kter\u00fdm sta\u010d\u00ed V\u00e1s dostate\u010dn\u00fd p\u0159\u00edjem, z\u00e1znam v\u00a0registru dlu\u017en\u00edk\u016f je lep\u0161\u00ed nem\u00edt, nemus\u00edte jevit jako perspektivn\u00ed klient, a je sp\u00ed\u0161 velk\u00e1 pravd\u011bpodobnost, \u017ee V\u00e1m nep\u016fj\u010d\u00ed.Ale ur\u010dit\u011b by to bylo lep\u0161\u00ed \u0159e\u0161en\u00ed, ne\u017e osobn\u00ed bankrot, proto tuhle mo\u017enost ur\u010dit\u011b zva\u017ete, pokud jste se do takov\u00e9 situace dostali.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co m\u016f\u017eete ud\u011blat, kdy\u017e V\u00e1m spl\u00e1tky p\u0159er\u016fstaj\u00ed p\u0159es hlavu?","item":"https:\/\/www.lnkm.cz\/co-muzete-udelat-kdyz-vam-splatky-prerustaji-pres-hlavu\/#breadcrumbitem"}]}]