[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zebras.cz\/predchozi-dluhy-mohou-zhorsit-nasi-pozici\/#Article","mainEntityOfPage":"https:\/\/www.zebras.cz\/predchozi-dluhy-mohou-zhorsit-nasi-pozici\/","headline":"P\u0159edchoz\u00ed dluhy mohou zhor\u0161it na\u0161i pozici","name":"P\u0159edchoz\u00ed dluhy mohou zhor\u0161it na\u0161i pozici","description":"Spousta lid\u00ed m\u00e1 v\u00edce ne\u017e jeden dluh. Extr\u00e9mem nem\u016f\u017eeme nazvat ani situaci, kdy na jedn\u00e9 osob\u011b v\u00e1zne t\u0159eba hned n\u011bkolik \u00fav\u011br\u016f najednou. Dnes je velice jednoduch\u00e9 dostat pen\u00edze rychle a na ruku, je tak zcela z\u00e1sadn\u00ed fakt pro ka\u017edou \u00fav\u011brovou spole\u010dnost, jestli dlu\u017en\u00edk m\u00e1 v\u00edce dluh\u016f. Pro\u010d? Proto\u017ee to sni\u017euje jeho schopnost spl\u00e1cet dal\u0161\u00ed dluh, […]","datePublished":"2019-10-03","dateModified":"2019-10-03","author":{"@type":"Person","@id":"https:\/\/www.zebras.cz\/author\/#Person","name":"","url":"https:\/\/www.zebras.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9bd672608a9ea50cfcb35956b7f63dacf48dece49eb907e6bdd72bedd9991f24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bd672608a9ea50cfcb35956b7f63dacf48dece49eb907e6bdd72bedd9991f24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zebras.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zebras.cz\/wp-content\/uploads\/img_a367865_w2200_t1580302714.jpg","url":"https:\/\/www.zebras.cz\/wp-content\/uploads\/img_a367865_w2200_t1580302714.jpg","height":0,"width":0},"url":"https:\/\/www.zebras.cz\/predchozi-dluhy-mohou-zhorsit-nasi-pozici\/","about":["Web"],"wordCount":467,"articleBody":"   Spousta lid\u00ed m\u00e1 v\u00edce ne\u017e jeden dluh. Extr\u00e9mem nem\u016f\u017eeme nazvat ani situaci, kdy na jedn\u00e9 osob\u011b v\u00e1zne t\u0159eba hned n\u011bkolik \u00fav\u011br\u016f najednou. Dnes je velice jednoduch\u00e9 dostat pen\u00edze rychle a na ruku, je tak zcela z\u00e1sadn\u00ed fakt pro ka\u017edou \u00fav\u011brovou spole\u010dnost, jestli dlu\u017en\u00edk m\u00e1 v\u00edce dluh\u016f. Pro\u010d? Proto\u017ee to sni\u017euje jeho schopnost spl\u00e1cet dal\u0161\u00ed dluh, samoz\u0159ejm\u011b. Ne v\u017edycky je to sn\u00ed\u017een\u00ed tak drastick\u00e9. Nap\u0159\u00edklad \u010dlov\u011bk bez n\u00e1jmu, kter\u00fd bydl\u00ed ve sv\u00e9m a m\u00e1 p\u0159\u00edjem v\u011bt\u0161\u00ed jak pades\u00e1t tis\u00edc korun, si m\u016f\u017ee dovolit t\u0159eba i t\u0159i \u00fav\u011bry a v naprost\u00e9 pohod\u011b to v\u0161echno splat\u00ed. Ale \u010dlov\u011bk, kter\u00fd taktak sebere ka\u017ed\u00fd m\u011bs\u00edc jeden\u00e1ct tis\u00edc a k tomu je\u0161t\u011b plat\u00ed n\u00e1jem, nem\u016f\u017ee doufat, \u017ee dostane \u00fav\u011br na dva miliony se spl\u00e1tkou m\u011bs\u00ed\u010dn\u011b rovnou dvan\u00e1cti tis\u00edc\u016fm. \u017d\u00e1dn\u00e1 spole\u010dnost by n\u011bco takov\u00e9ho neud\u011blala. Pokud ale v\u0161e spl\u00e1c\u00edte \u0159\u00e1dn\u011b, tak se nic nestane. O to hor\u0161\u00ed je ale situace, kdy\u017e se dostanete do registru dlu\u017en\u00edk\u016f, kter\u00fd eviduje v\u0161echny \u201eneplati\u010de\u201c. Spole\u010dnosti si tak vyjedou va\u0161e jm\u00e9no dle rodn\u00e9ho \u010d\u00edsla a hned zjist\u00ed, jestli jste jim sd\u011blili pravdu \u010di ne, jak\u00e1 je v\u00fd\u0161e dluhu a jak\u00e1 je m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka. Spole\u010dnosti si tak spo\u010d\u00edtaj\u00ed, jestli se vyplat\u00ed v\u00e1m p\u016fj\u010dit \u010di ne. N\u011bkter\u00e9 spole\u010dnosti ale do registru nenahl\u00ed\u017eej\u00ed, d\u016fv\u011b\u0159uj\u00ed sv\u00fdm klient\u016fm, \u017ee v\u0161e dok\u00e1\u017e\u00ed splatit a nemaj\u00ed tak nutnost d\u00edvat se tam. Hypot\u00e9ky https:\/\/www.hypotekybezregistru.cz\/ jsou velice \u010dast\u00e9, pr\u00e1v\u011b proto, \u017ee spousta lid\u00ed je vedena v registru. Ov\u0161em uznejte sami na n\u00e1sleduj\u00edc\u00edm p\u0159\u00edkladu, \u017ee ne v\u017edy zcela opr\u00e1vn\u011bn\u011b je p\u016fj\u010dka \u010dlov\u011bku odm\u00edtnuta. Pan Adam, 35 let, zam\u011bstnanec, je veden v registru jako dlu\u017en\u00edk. To, \u017ee v\u00fd\u0161e jeho dluhu je p\u00e1r tis\u00edc, nikoho nezaj\u00edm\u00e1, proto\u017ee tam prost\u011b je a basta. Banka tedy odm\u00edtla panu Adamovi p\u016fj\u010dit na rekonstrukci jeho domu, ve kter\u00e9m se u\u017e ned\u00e1 \u017e\u00edt. Pan Adam by norm\u00e1ln\u011b \u201eskon\u010dil\u201c a musel by si na rekonstrukci na\u0161et\u0159it s\u00e1m, i kdy\u017e \u017e\u00e1dn\u00fd veledluh nem\u00e1. Nebankovn\u00ed spole\u010dnost v\u0161ak nab\u00eddne \u00fav\u011br, ani\u017e by se d\u00edvala do registru. Nebude tedy br\u00e1t v potaz to, \u017ee tam je. Pro pana Adama se tedy otev\u0159ela cesta k vysn\u011bn\u00e9 rekonstrukci, i kdy\u017e je st\u00e1le veden jako dlu\u017en\u00edk.                                                                                                                                                                                                                                                                                                                                                                                                   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