[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ogivi.cz\/co-delat-kdyz-jste-se-dostali-do-dluhove-pasti\/#Article","mainEntityOfPage":"https:\/\/www.ogivi.cz\/co-delat-kdyz-jste-se-dostali-do-dluhove-pasti\/","headline":"Co d\u011blat, kdy\u017e jste se dostali do dluhov\u00e9 pasti?","name":"Co d\u011blat, kdy\u017e jste se dostali do dluhov\u00e9 pasti?","description":"Dluhy nejsou p\u0159\u00edjemn\u00e9 pro nikoho z n\u00e1s. Ale n\u011bkdy se jim zkr\u00e1tka nevyhneme, zvl\u00e1\u0161t\u011b v dne\u0161n\u00ed dob\u011b, kdy se ceny…","datePublished":"2022-09-24","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.ogivi.cz\/author\/#Person","name":"","url":"https:\/\/www.ogivi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/212a6ea425a80cff3df937dbbc230f07127cee4fead311d1e3d946308365d666?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ogivi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ogivi.cz\/wp-content\/uploads\/pexels-mikhail-nilov-6963043_1.jpg","url":"https:\/\/www.ogivi.cz\/wp-content\/uploads\/pexels-mikhail-nilov-6963043_1.jpg","height":0,"width":0},"url":"https:\/\/www.ogivi.cz\/co-delat-kdyz-jste-se-dostali-do-dluhove-pasti\/","about":["Pen\u00edze"],"wordCount":462,"articleBody":"          Dluhy nejsou p\u0159\u00edjemn\u00e9 pro nikoho z n\u00e1s. Ale n\u011bkdy se jim zkr\u00e1tka nevyhneme, zvl\u00e1\u0161t\u011b v dne\u0161n\u00ed dob\u011b, kdy se ceny v\u0161echno zvedaj\u00ed a n\u011bkdo zkr\u00e1tka nem\u00e1 volbu a mus\u00ed si pen\u00edze p\u016fj\u010dit. Pokud si vezmete jednu p\u016fj\u010dku, kterou zvl\u00e1d\u00e1te \u00fasp\u011b\u0161n\u011b spl\u00e1cet, nen\u00ed to nic hrozn\u00e9ho. Za p\u00e1r let p\u016fj\u010dku splat\u00edte a m\u016f\u017eete si d\u00e1l \u017e\u00edt spokojen\u00fd \u017eivot. Hor\u0161\u00ed p\u0159\u00edpad ale je, pokud se v\u00e1m poda\u0159\u00ed spadnout do dluhov\u00e9 pasti.Co to je dluhov\u00e1 past? Je to situace, kde nezvl\u00e1d\u00e1te spl\u00e1cet svou p\u016fj\u010dku, \u010di p\u016fj\u010dky a \u0159e\u0161\u00edte to tak, \u017ee si vezme dal\u0161\u00ed p\u016fj\u010dku, abyste ty p\u016fvodn\u00ed doplatili, nebo abyste m\u011bli na spl\u00e1tky. \u010c\u00edm d\u00e1le tak pokra\u010dujete, t\u00edm se dluhov\u00e1 past, do kter\u00e9 pad\u00e1te prohlubuje, a\u017e m\u016f\u017ee doj\u00edt a\u017e k tomu, \u017ee na v\u00e1s budou uvaleny exekuce, nebo budete nuceni vyhl\u00e1sit osobn\u00ed bankrot. A k takov\u00e9mu \u0159e\u0161en\u00ed nechce dosp\u011bt nikdo z n\u00e1s.Jak se vyhnout takov\u00e9 situaci? P\u0159edev\u0161\u00edm, p\u016fj\u010dujte si opravdu jen v situaci, kdy nen\u00ed jin\u00e9ho zbyt\u00ed. Opodstatn\u011bn\u00e9 d\u016fvody jsou investice do zdrav\u00ed, vzd\u011bl\u00e1n\u00ed, koup\u011b nemovitosti nebo nutn\u00e1 koup\u011b auta. Rozhodn\u011b si nep\u016fj\u010dujte na \u201ezbyte\u010dnosti\u201c, jako dovolen\u00e1 nebo d\u00e1rky k V\u00e1noc\u016fm.Kdy\u017e si budete br\u00e1t p\u016fj\u010dku, pe\u010dliv\u011b si prostudujte smlouvu. Opravdu si p\u0159e\u010dt\u011bte ka\u017ed\u00fd jednotliv\u00fd bod a zahle\u010fte se hlavn\u011b na \u00faroky a RPSN. To v\u00e1m \u0159ekne, o kolik dlu\u017enou \u010d\u00e1stku p\u0159i vracen\u00ed p\u0159eplat\u00edte. P\u0159edem si tak\u00e9 spo\u010d\u00edtejte, kolik maxim\u00e1ln\u011b m\u016f\u017eete m\u011bs\u00ed\u010dn\u011b d\u00e1vat jako spl\u00e1tku a za tu \u010d\u00e1stku rozhodn\u011b nejd\u011bte. N\u011bkter\u00e9 spole\u010dnosti v\u00e1m p\u016fj\u010d\u00ed, i kdy\u017e nem\u00e1te dostate\u010dn\u00fd p\u0159\u00edjem, ale pot\u00e9 toho budete litovat.Jestli m\u00e1te v\u00edc p\u016fj\u010dek, kter\u00e9 obt\u00ed\u017en\u011b spl\u00e1c\u00edte, existuje takzvan\u00e1 konsolidace. Tu v\u00e1m m\u016f\u017ee nab\u00eddnout t\u0159eba va\u0161e banka. Jedn\u00e1 se o slou\u010den\u00ed v\u0161ech va\u0161ich p\u016fj\u010dek do jedn\u00e9, kter\u00e1 bude spadat pod va\u0161i banku. V\u011bt\u0161inou v\u00e1m k tomu nab\u00eddne lep\u0161\u00ed \u00farok. Pokud jste se d\u0159\u00edv hrabali horko https:\/\/www.csas.cz\/cs\/osobni-finance\/pujcky\/pujcka  t\u011b\u017eko z dluh\u016f a nyn\u00ed m\u00e1te z\u00e1znam v registru, je to pro v\u00e1s \u0161patn\u00e9, pokud pot\u0159ebujete financov\u00e1n\u00ed. T\u0159eba takovou hypot\u00e9ku v\u00e1m banka nyn\u00ed rozhodn\u011b neposkytne. Existuje ale hypot\u00e9ka bez registru https:\/\/nebankovnihypoteky.net\/hypoteka-bez-registru\/.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co d\u011blat, kdy\u017e jste se dostali do dluhov\u00e9 pasti?","item":"https:\/\/www.ogivi.cz\/co-delat-kdyz-jste-se-dostali-do-dluhove-pasti\/#breadcrumbitem"}]}]