[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.n-joy.cz\/pujcky-po-insolvenci-jsou-omezene\/#Article","mainEntityOfPage":"https:\/\/www.n-joy.cz\/pujcky-po-insolvenci-jsou-omezene\/","headline":"P\u016fj\u010dky po insolvenci jsou omezen\u00e9","name":"P\u016fj\u010dky po insolvenci jsou omezen\u00e9","description":"Ka\u017ed\u00fd, kdo pro\u0161el insolven\u010dn\u00edm \u0159\u00edzen\u00edm, tak v\u00ed, jak t\u011b\u017ek\u00e1 to byla doba. Opasky uta\u017een\u00e9 na posledn\u00ed \u010dl\u00e1nek, po\u010d\u00edt\u00e1n\u00ed ka\u017ed\u00e9ho v\u00fddaje a \u010das velk\u00e9ho od\u0159\u00edk\u00e1n\u00ed. Mo\u017en\u00e1, \u017ee si mnoho takto \u201eposti\u017een\u00fdch\u201c kladlo ot\u00e1zku, jestli to bylo nutn\u00e9. N\u011bkdy ale jin\u00e9 v\u00fdchodisko ne\u017eli se zadlu\u017eit, skute\u010dn\u011b nep\u0159ich\u00e1z\u00ed do \u00favahy. Mnohdy ale nastane situace, kdy m\u00e1me v\u0161e vy\u0159\u00edzen\u00e9, […]","datePublished":"2020-02-23","dateModified":"2024-06-28","author":{"@type":"Person","@id":"https:\/\/www.n-joy.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.n-joy.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/091b4d684e9af597ec9885a078917281e353fb1084ff05c94355123dbb14e899?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"n-joy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.n-joy.cz\/wp-content\/uploads\/img_a371110_w3368_t1582700109.png","url":"https:\/\/www.n-joy.cz\/wp-content\/uploads\/img_a371110_w3368_t1582700109.png","height":0,"width":0},"url":"https:\/\/www.n-joy.cz\/pujcky-po-insolvenci-jsou-omezene\/","about":["Finance"],"wordCount":405,"articleBody":"Ka\u017ed\u00fd, kdo pro\u0161el insolven\u010dn\u00edm \u0159\u00edzen\u00edm, tak v\u00ed, jak t\u011b\u017ek\u00e1 to byla doba. Opasky uta\u017een\u00e9 na posledn\u00ed \u010dl\u00e1nek, po\u010d\u00edt\u00e1n\u00ed ka\u017ed\u00e9ho v\u00fddaje a \u010das velk\u00e9ho od\u0159\u00edk\u00e1n\u00ed. Mo\u017en\u00e1, \u017ee si mnoho takto \u201eposti\u017een\u00fdch\u201c kladlo ot\u00e1zku, jestli to bylo nutn\u00e9. N\u011bkdy ale jin\u00e9 v\u00fdchodisko ne\u017eli se zadlu\u017eit, skute\u010dn\u011b nep\u0159ich\u00e1z\u00ed do \u00favahy. Mnohdy ale nastane situace, kdy m\u00e1me v\u0161e vy\u0159\u00edzen\u00e9, splacen\u00e9 a znovu je zapot\u0159eb\u00ed nov\u00e1 finan\u010dn\u00ed injekce.    Je tedy \u0159e\u0161en\u00edm dal\u0161\u00ed p\u016fj\u010dka po insolvenci? A m\u016f\u017eete o ni ve sv\u00e9 situaci v\u016fbec za\u017e\u00e1dat? U bankovn\u00edho poskytovatele nebudete m\u00edt s nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed \u017e\u00e1dnou \u0161anci. Z\u00e1znamy v registrech dlu\u017en\u00edk\u016f se toti\u017e ani dnem, kdy je v\u0161e uhrazeno, nema\u017eou. Z\u016fst\u00e1vaj\u00ed tu i po n\u011bkolik dlouh\u00fdch let. Na p\u016fj\u010dku v insolvenci rad\u011bji zapome\u0148te Jestli\u017ee se tedy rozhodnete po oddlu\u017een\u00ed pro dal\u0161\u00ed finan\u010dn\u00ed zat\u00ed\u017een\u00ed, pak je jedin\u00fdm \u0159e\u0161en\u00edm nebankovn\u00ed poskytovatel. Ten v\u011bt\u0161inou z\u00e1znamy v registrech p\u0159\u00edli\u0161 ne\u0159e\u0161\u00ed. Anebo sp\u00ed\u0161e dok\u00e1\u017ee sv\u00e9 produkty va\u0161\u00ed moment\u00e1ln\u00ed ekonomick\u00e9 situaci p\u0159izp\u016fsobit. Jinou kapitolou je p\u016fj\u010dka v insolvenci. Tam je situace logicky je\u0161t\u011b v\u00edce komplikovan\u00e1. Podle z\u00e1kona je toti\u017e v podstat\u011b nemo\u017en\u00e9, aby si \u010dlov\u011bk, kter\u00fd proch\u00e1z\u00ed insolven\u010dn\u00edm \u0159\u00edzen\u00edm, bral dal\u0161\u00ed p\u016fj\u010dku nebo \u00fav\u011br.N\u011bkdy je ale tento zp\u016fsob skute\u010dn\u011b nezbytn\u00fdm a pom\u016f\u017ee dlu\u017en\u00edkovi dostat se z nejhor\u0161\u00edho. V\u017edy ale pamatujte na to, \u017ee je nutn\u00e9, aby bylo v\u0161e v souladu se z\u00e1konem. V tomto p\u0159\u00edpad\u011b toti\u017e neplat\u00ed, \u017ee nev\u011bdomost h\u0159\u00edchu ne\u010din\u00ed. Docela snadno se m\u016f\u017eete dostat do opravdu ne\u0159e\u0161iteln\u00e9 situace.  Je toti\u017e t\u0159eba v\u011bd\u011bt, \u017ee insolven\u010dn\u00edm \u0159\u00edzen\u00edm m\u016f\u017eete proj\u00edt jen jednou za \u017eivot. A ani v tom prvn\u00edm p\u0159\u00edpad\u011b to nemus\u00ed b\u00fdt jednoduch\u00fd proces. Nenast\u00e1v\u00e1 v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b automaticky, ale insolvence (oddlu\u017een\u00ed) mus\u00ed b\u00fdt schv\u00e1lena. A to pouze v tom p\u0159\u00edpad\u011b, \u017ee prok\u00e1\u017eete svou schopnost ur\u010ditou \u010d\u00e1st z\u00e1vazku po danou dobu splatit.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dky po insolvenci jsou omezen\u00e9","item":"https:\/\/www.n-joy.cz\/pujcky-po-insolvenci-jsou-omezene\/#breadcrumbitem"}]}]