[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mpzp.cz\/dluhy-a-insolvence\/#Article","mainEntityOfPage":"https:\/\/www.mpzp.cz\/dluhy-a-insolvence\/","headline":"Dluhy a insolvence","name":"Dluhy a insolvence","description":"V \u010cesku nen\u00ed v\u00fdjimka, \u017ee lid\u00e9 dlu\u017e\u00ed. Bohu\u017eel, na\u0161e ekonomika n\u00e1m nep\u0159eje k tomu, abychom byli ve stabiln\u00ed finan\u010dn\u00ed situaci. Mo\u017en\u00e1 se d\u0159\u00edve p\u0159edpokl\u00e1dalo, \u017ee s postupem \u010dasu bude po\u010det dlu\u017en\u00edk\u016f v \u010cesk\u00e9 republice sp\u00ed\u0161e klesat, ale je to pr\u00e1v\u011b naopak. Kv\u016fli ud\u00e1lostem, kter\u00e9 se stali za posledn\u00ed roky, jako covid a v\u00e1lka mezi Ruskem […]","datePublished":"2023-10-23","dateModified":"2023-10-23","author":{"@type":"Person","@id":"https:\/\/www.mpzp.cz\/author\/#Person","name":"","url":"https:\/\/www.mpzp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bbe1b3bd68cf5b616cc697a459b86e3be4df6c120806baf939f8aad94b0a3d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mpzp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mpzp.cz\/wp-content\/uploads\/rc-xyz-nft-gallery-K_3UV1ZFcJ0-unsplash_1.jpg","url":"https:\/\/www.mpzp.cz\/wp-content\/uploads\/rc-xyz-nft-gallery-K_3UV1ZFcJ0-unsplash_1.jpg","height":0,"width":0},"url":"https:\/\/www.mpzp.cz\/dluhy-a-insolvence\/","about":["Pen\u00edze"],"wordCount":410,"articleBody":"   V \u010cesku nen\u00ed v\u00fdjimka, \u017ee lid\u00e9 dlu\u017e\u00ed. Bohu\u017eel, na\u0161e ekonomika n\u00e1m nep\u0159eje k tomu, abychom byli ve stabiln\u00ed finan\u010dn\u00ed situaci. Mo\u017en\u00e1 se d\u0159\u00edve p\u0159edpokl\u00e1dalo, \u017ee s postupem \u010dasu bude po\u010det dlu\u017en\u00edk\u016f v \u010cesk\u00e9 republice sp\u00ed\u0161e klesat, ale je to pr\u00e1v\u011b naopak. Kv\u016fli ud\u00e1lostem, kter\u00e9 se stali za posledn\u00ed roky, jako covid a v\u00e1lka mezi Ruskem a Ukrajinou, neprosp\u011bli na\u0161\u00ed ekonomice. Pr\u00e1v\u011b naopak. A z toho d\u016fvodu se spousta lid\u00ed dost\u00e1v\u00e1 do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace. V\u00fdplata jim p\u0159est\u00e1v\u00e1 sta\u010dit. Inflace neust\u00e1le roste, jenom\u017ee platy se nezvy\u0161uj\u00ed. Zam\u011bstnavatel\u00e9 zkr\u00e1tka nemaj\u00ed na to, aby sv\u00fdm zam\u011bstnanc\u016fm p\u0159idali pen\u00edze.Jenom\u017ee proto se pak ti, kte\u0159\u00ed nem\u011bli ani p\u0159\u00edli\u0161 vysok\u00e9 v\u00fdplaty ocitaj\u00ed na hranici chudoby. A nejhor\u0161\u00ed nastane, kdy\u017e se objev\u00ed ne\u010dekan\u00fd v\u00fddaj. M\u016f\u017ee to b\u00fdt v\u00fddaj za zdravotn\u00ed p\u00e9\u010di, opravu auta, rozbit\u00fd elektrick\u00fd spot\u0159ebi\u010d. A spousta lid\u00ed si mus\u00ed vz\u00edt p\u016fj\u010dku. Po prvn\u00ed p\u016fj\u010de se m\u016f\u017eou lid\u00e9 dostat do dluhov\u00e9 pasti. D\u00edky n\u00edzk\u00fdm p\u0159\u00edjm\u016fm nezvl\u00e1daj\u00ed sv\u00e9 dluhy platit, a aby splatili prvn\u00ed dluh, vezmou si dal\u0161\u00ed p\u016fj\u010dku. A tak to pokra\u010duje d\u00e1le, a\u017e se dostanou finan\u010dn\u011b na naprost\u00e9 dno. Proto v \u010cesku nen\u00ed v\u016fbec mal\u00e9 procento \u010cech\u016f, kter\u00e9 p\u0159istoup\u00ed k osobn\u00edmu bankrotu, neboli insolvenci. Pokud v\u00e1m insolvenci soud schv\u00e1l\u00ed, na p\u0159\u00ed\u0161t\u00edch p\u011bt let budete z va\u0161ich p\u0159\u00edjm\u016f odv\u00e1d\u011bt velk\u00e9 p\u0159\u00edjmy insolven\u010dn\u00edmu spr\u00e1vci, kter\u00fd rozd\u011bl\u00ed zabaven\u00e9 pen\u00edze mezi v\u011b\u0159itel\u00e9, kter\u00fdm dlu\u017en\u00edk dlu\u017eil. B\u011bhem insolvence samoz\u0159ejm\u011b \u017e\u00e1dnou p\u016fj\u010dku nedostanete. A i pot\u00e9 je probl\u00e9m z\u00edskat n\u011bjak\u00e9 financov\u00e1n\u00ed. Va\u0161e jm\u00e9no toti\u017e bude figurovat v insolven\u010dn\u00edm rejst\u0159\u00edku je\u0161t\u011b dal\u0161\u00edch p\u011bt let po tom, co va\u0161e insolvence skon\u010d\u00ed. Tak\u017ee celkov\u011b to m\u00e1me deset let. Probl\u00e9m je, kdy\u017e budete pot\u0159ebovat b\u011bhem t\u00e9to doby nutn\u011b financov\u00e1n\u00ed. Co t\u0159eba takov\u00e1 hypot\u00e9ka? Budete se muset p\u0159est\u011bhovat, pot\u0159ebovat rekonstrukci nebo n\u011bco podobn\u00e9ho. Na\u0161t\u011bst\u00ed zde existuje i hypot\u00e9ka po insolvenci.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Dluhy a insolvence","item":"https:\/\/www.mpzp.cz\/dluhy-a-insolvence\/#breadcrumbitem"}]}]