[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.nesvatbov.cz\/hypoteka-a-insolvence\/#Article","mainEntityOfPage":"https:\/\/www.nesvatbov.cz\/hypoteka-a-insolvence\/","headline":"Hypot\u00e9ka a insolvence","name":"Hypot\u00e9ka a insolvence","description":"V p\u0159\u00edpad\u011b insolvence neboli platebn\u00ed neschopnosti se osoba zap\u00ed\u0161e do rejst\u0159\u00edku a\u017e na p\u011bt let,...","datePublished":"2022-06-14","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.nesvatbov.cz\/author\/#Person","name":"","url":"https:\/\/www.nesvatbov.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/dcb1aeb5e7d95014cdc92e76cf3c72f6b456579bf773ad0081803a6569ffc19c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"nesvatbov.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.nesvatbov.cz\/wp-content\/uploads\/bezp%C4%9Bn%C4%9Bz.jpg","url":"https:\/\/www.nesvatbov.cz\/wp-content\/uploads\/bezp%C4%9Bn%C4%9Bz.jpg","height":0,"width":0},"url":"https:\/\/www.nesvatbov.cz\/hypoteka-a-insolvence\/","about":["Ekonomika"],"wordCount":465,"articleBody":"        V p\u0159\u00edpad\u011b insolvence neboli platebn\u00ed neschopnosti se osoba zap\u00ed\u0161e do rejst\u0159\u00edku a\u017e na p\u011bt let, b\u011bhem t\u011bchto let je t\u00e9m\u011b\u0159 nemo\u017en\u00e9 z\u00edskat jakoukoliv sebemen\u0161\u00ed p\u016fj\u010dku. Platebn\u00ed neschopnost vznik\u00e1 v d\u016fsledku neschopnosti spl\u00e1cet sv\u00e9 \u00fav\u011bry. D\u00edky vyhl\u00e1\u0161en\u00ed insolvence se lid\u00e9 \u010dasto zachr\u00e1n\u00ed od zdlouhav\u00e9ho st\u00edh\u00e1n\u00ed. P\u0159i vyhl\u00e1\u0161en\u00ed insolvence, se dlu\u017en\u00edk zav\u00e1\u017ee do ur\u010dit\u00e9ho po\u010dtu let zaplatit ur\u010dit\u00e9 procento ve\u0161ker\u00fdch dluh\u016f. Je mu tedy \u010d\u00e1st dluhu odpu\u0161t\u011bna, ale mus\u00ed dan\u00e9 procento pen\u011bz splatit do ur\u010dit\u00e9ho roku. Po p\u011bti letech jste v\u0161ak stejn\u011b zn\u00e1m jako dlu\u017en\u00edk, z r\u016fzn\u00fdch rejst\u0159\u00edk\u016f dlu\u017en\u00edk\u016f. M\u016f\u017ee b\u00fdt pro v\u00e1s proto velmi t\u011b\u017ek\u00e9 pot\u00e9 z\u00edskat jakoukoliv p\u016fj\u010dku. M\u00e1lokter\u00e1 banka se pot\u00e9 stane v\u011b\u0159itelem takov\u00e9 osoby, jeliko\u017e u n\u00ed nevid\u00ed schopnost spl\u00e1cet dluhy.V\u011bt\u0161ina lidi se dost\u00e1v\u00e1 do takzvan\u00e9 p\u016fj\u010dkov\u00e9 spir\u00e1ly, kdy spl\u00e1c\u00ed \u00fav\u011br \u00fav\u011brem a pot\u00e9 ji\u017e nen\u00ed cesty ven. Jedin\u00fdm \u0159e\u0161en\u00ed pro tyto lidi pot\u00e9 je osobn\u00ed bankrot nebo insolvence. V \u010cesk\u00e9 republice je velk\u00e9 procento obyvatelstva zadlu\u017eeno a i velk\u00e9 procento obyvatelstva v insolven\u010dn\u00edm \u0159\u00edzen\u00ed. Do dluhov\u00e9 pasti se \u010dlov\u011bk rychle dostane a pot\u00e9 pom\u011brn\u011b minim\u00e1ln\u00ed \u0161anci na jeho oddlu\u017een\u00ed. Jedin\u00fdm kloudn\u00fdm \u0159e\u0161en\u00edm, kter\u00e9 v\u00e1s m\u016f\u017ee zachr\u00e1nit je pr\u00e1v\u011b insolvence.Je v\u0161ak dnes ji\u017e mo\u017en\u00e9 z\u00edskat hypot\u00e9ku po insolvenci, nap\u0159\u00edklad od nebankovn\u00edch spole\u010dnost\u00ed. Je to sice zdlouhav\u00e9 a n\u00e1ro\u010dn\u00e9 z\u00edskat takovou hypot\u00e9ku, ale je to mo\u017en\u00e9.Po konzultaci s spole\u010dnost\u00ed, po ov\u011b\u0159en\u00ed na\u0161\u00ed schopnosti a po zji\u0161t\u011bn\u00ed dostate\u010dnosti p\u0159\u00edjm\u016f lze z\u00edskat hypot\u00e9ku i pot\u00e9 co jsme po insolvenci. \u010clov\u011bk p\u0159eci pot\u0159ebuje i nad\u00e1le n\u011bjak \u017e\u00edt a pokud si ud\u011blat p\u0159ed n\u011bkolika lety dluhy, dnes m\u016f\u017ee b\u00fdt \u00fapln\u011b jin\u00fdm \u010dlov\u011bkem.Jedn\u00e1 se o klasickou hypot\u00e9ku, tedy ru\u010d\u00edme z\u00e1stavou obvykle nemovitosti, kter\u00e1 je vyu\u017e\u00edv\u00e1na pro bydlen\u00ed. Hypot\u00e9ku obvykle pot\u00e9 z\u00edsk\u00e1me ve v\u00fd\u0161i sedmdes\u00e1ti a\u017e osmdes\u00e1ti procent dan\u00e9ho hodnoty nemovitosti. D\u00edky dne\u0161n\u00edm technologi\u00edm, m\u016f\u017eeme hypot\u00e9ku vy\u0159\u00eddit i \u010d\u00e1ste\u010dn\u011b online pomoc\u00ed webov\u00fdch str\u00e1nek lze za\u017e\u00e1dat o hypote\u010dn\u00ed \u00fav\u011br. Vhodn\u00e9 by bylo v\u0161ak se i osobn\u011b sej\u00edt a prodiskutovat jednotliv\u00e9 detaily a tak\u00e9 individu\u00e1ln\u011b nastavit dobu a \u010d\u00e1stku, kter\u00e1 n\u00e1m bude vyhovovat.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka a insolvence","item":"https:\/\/www.nesvatbov.cz\/hypoteka-a-insolvence\/#breadcrumbitem"}]}]