[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ncom.cz\/meli-jste-problemy-s-placenim\/#Article","mainEntityOfPage":"https:\/\/www.ncom.cz\/meli-jste-problemy-s-placenim\/","headline":"M\u011bli jste probl\u00e9my s placen\u00edm?","name":"M\u011bli jste probl\u00e9my s placen\u00edm?","description":"Skon\u010dit v exekuci je n\u011bkdy jednodu\u0161\u0161\u00ed, ne\u017e by si kdo mohl myslet. Sta\u010d\u00ed aby si man\u017eel bez v\u011bdom\u00ed toho druh\u00e9ho nabral za man\u017eelstv\u00ed \u00fav\u011bry, kter\u00e9 nespl\u00e1c\u00ed, nebo aby mu n\u011bkdo… ","datePublished":"2024-12-24","dateModified":"2024-12-24","author":{"@type":"Person","@id":"https:\/\/www.ncom.cz\/author\/#Person","name":"","url":"https:\/\/www.ncom.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6808215d501bdbb001ef3734be3cdad1be23596de78c590ed2ac5868fce74c95?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6808215d501bdbb001ef3734be3cdad1be23596de78c590ed2ac5868fce74c95?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ncom.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ncom.cz\/wp-content\/uploads\/house-167734_640_7.jpg","url":"https:\/\/www.ncom.cz\/wp-content\/uploads\/house-167734_640_7.jpg","height":0,"width":0},"url":"https:\/\/www.ncom.cz\/meli-jste-problemy-s-placenim\/","about":["Ekonomika"],"wordCount":418,"articleBody":"         Skon\u010dit v exekuci je n\u011bkdy jednodu\u0161\u0161\u00ed, ne\u017e by si kdo mohl myslet. Sta\u010d\u00ed aby si man\u017eel bez v\u011bdom\u00ed toho druh\u00e9ho nabral za man\u017eelstv\u00ed \u00fav\u011bry, kter\u00e9 nespl\u00e1c\u00ed, nebo aby mu n\u011bkdo ukradl doklady a na ty si nabral p\u016fj\u010dky. Je velmi slo\u017eit\u00e9 v n\u011bkter\u00fdch p\u0159\u00edpadech prok\u00e1zat \u017ee \u010dlov\u011bk je v tomto nevinn\u011b, a tak nakonec v exekuci opravdu skon\u010d\u00ed. Mnoz\u00ed lid\u00e9 si samoz\u0159ejm\u011b za dluhy mohou sami, ale najdou se bohu\u017eel i tac\u00ed, kte\u0159\u00ed si berou p\u016fj\u010dky a svoje z\u00e1vazky z\u00e1sadn\u011b nespl\u00e1c\u00ed. Takov\u00fd \u010dlov\u011bk si potom m\u016f\u017ee za\u017e\u00e1dat o oddlu\u017een\u00ed u soudu a pokud mu ho soud schv\u00e1l\u00ed, \u010dlov\u011bk je v insolvenci a po celou dobu jej\u00edho trv\u00e1n\u00ed si nesm\u00ed br\u00e1t nov\u00e9 \u00fav\u011bry. Mus\u00ed splatit ur\u010ditou \u010d\u00e1stku za cel\u00fdch p\u011bt let a potom je je\u0161t\u011b po dobu p\u011bti let veden\u00fd v registru dlu\u017en\u00edk\u016f tak jako u exekuce. Pokud jste pro\u0161li insolvenc\u00ed a chcete si zajistit bydlen\u00ed v osobn\u00edm vlastnictv\u00ed, nem\u00e1te u banky p\u0159\u00edli\u0161 mnoho \u0161anc\u00ed z\u00edskat hypot\u00e9ku. Banky nahl\u00ed\u017e\u00ed do registr\u016f dlu\u017en\u00edk\u016f automaticky, a pokud v\u00e1s v n\u011bm najdou, m\u00e1te \u017e\u00e1dost o \u00fav\u011br automaticky zam\u00edtnutou. Banky se t\u00edm chr\u00e1n\u00ed proti situaci, kdy by si takov\u00fd \u010dlov\u011bk vzal dal\u0161\u00ed \u00fav\u011bry a ty op\u011bt nespl\u00e1cel. Hypot\u00e9ka je sice zaji\u0161t\u011bna z\u00e1stavn\u00edm pr\u00e1vem na nemovitosti, ale s p\u0159\u00edpadn\u00fdm prodejem a uspokojen\u00ed pohled\u00e1vky banky to nen\u00ed tak jednoduch\u00e9, a tud\u00ed\u017e je pro banky jednodu\u0161\u0161\u00ed tomu p\u0159edch\u00e1zet zam\u00edtnut\u00edm \u017e\u00e1dosti o hypot\u00e9ku.Mus\u00edte si po\u010dkatVa\u0161e situace m\u00e1 dv\u011b \u0159e\u0161en\u00ed:po\u010dk\u00e1te si 5 let, ne\u017e dojde k v\u00fdmazu z registru dlu\u017en\u00edk\u016f a nebosi za\u017e\u00e1d\u00e1te o hypot\u00e9ku po insolvenci u nebankovn\u00edho sektoru s vy\u0161\u0161\u00edm \u00farokemPokud jste si jist\u00ed \u017ee jste se z dluh\u016f pou\u010dili, nebankovn\u00ed spole\u010dnost v\u00e1m nejsp\u00ed\u0161 \u017e\u00e1dost schv\u00e1l\u00ed za cenu vy\u0161\u0161\u00edho \u00faroku, nicm\u00e9n\u011b i nebankovn\u00ed spole\u010dnost bude cht\u00edt zajistit \u00fav\u011br z\u00e1stavn\u00edm pr\u00e1vem na dan\u00e9 nemovitosti. Zjist\u011bte si p\u0159edem v\u0161echny mo\u017enosti a projd\u011bte si podm\u00ednky, kter\u00e9 budete muset splnit, abyste z\u00edskali \u00fav\u011br i mimo banku.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u011bli jste probl\u00e9my s placen\u00edm?","item":"https:\/\/www.ncom.cz\/meli-jste-problemy-s-placenim\/#breadcrumbitem"}]}]