[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.portimex.cz\/jake-moznosti-maji-banky-kdyz-je-dluznik-nespolehlivy-platce\/#Article","mainEntityOfPage":"https:\/\/www.portimex.cz\/jake-moznosti-maji-banky-kdyz-je-dluznik-nespolehlivy-platce\/","headline":"Jak\u00e9 mo\u017enosti maj\u00ed banky, kdy\u017e je dlu\u017en\u00edk nespolehliv\u00fd pl\u00e1tce","name":"Jak\u00e9 mo\u017enosti maj\u00ed banky, kdy\u017e je dlu\u017en\u00edk nespolehliv\u00fd pl\u00e1tce","description":"Dnes si lid\u00e9 velmi \u010dasto p\u016fj\u010duj\u00ed pen\u00edze. \u010casto to nen\u00ed proto, \u017ee by byli v tak t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, ale proto\u017ee si cht\u011bj\u00ed koupit n\u011bco, na co moment\u00e1ln\u011b nemaj\u00ed dostate\u010dnou finan\u010dn\u00ed \u010d\u00e1stku. Koneckonc\u016f, k tomuto chov\u00e1n\u00ed n\u00e1s nab\u00e1daj\u00ed i reklamy na nejr\u016fzn\u011bj\u0161\u00ed p\u016fj\u010dky. Ty neukazuj\u00ed, jak p\u016fj\u010dka pom\u016f\u017ee z t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace, ale luxusn\u00ed zbo\u017e\u00ed, […]","datePublished":"2020-10-13","dateModified":"2023-09-13","author":{"@type":"Person","@id":"https:\/\/www.portimex.cz\/author\/#Person","name":"","url":"https:\/\/www.portimex.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0ee2b6192cd06dcea0b65614729a0b10cafbccdb71fa9a5d2ca8d0d37da5c054?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0ee2b6192cd06dcea0b65614729a0b10cafbccdb71fa9a5d2ca8d0d37da5c054?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"portimex.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.portimex.cz\/wp-content\/uploads\/pujcka1_3.jpg","url":"https:\/\/www.portimex.cz\/wp-content\/uploads\/pujcka1_3.jpg","height":0,"width":0},"url":"https:\/\/www.portimex.cz\/jake-moznosti-maji-banky-kdyz-je-dluznik-nespolehlivy-platce\/","about":["V\u00fdrobky"],"wordCount":431,"articleBody":"      Dnes si lid\u00e9 velmi \u010dasto p\u016fj\u010duj\u00ed pen\u00edze. \u010casto to nen\u00ed proto, \u017ee by byli v tak t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situaci, ale proto\u017ee si cht\u011bj\u00ed koupit n\u011bco, na co moment\u00e1ln\u011b nemaj\u00ed dostate\u010dnou finan\u010dn\u00ed \u010d\u00e1stku. Koneckonc\u016f, k tomuto chov\u00e1n\u00ed n\u00e1s nab\u00e1daj\u00ed i reklamy na nejr\u016fzn\u011bj\u0161\u00ed p\u016fj\u010dky. Ty neukazuj\u00ed, jak p\u016fj\u010dka pom\u016f\u017ee z t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace, ale luxusn\u00ed zbo\u017e\u00ed, kter\u00e9 si za ony pen\u00edze m\u016f\u017eete koupit.Probl\u00e9m v\u0161ak je, \u017ee zna\u010dn\u00e1 \u010d\u00e1st t\u011bchto lid\u00ed nem\u00e1 dostate\u010dn\u00fd finan\u010dn\u00ed p\u0159\u00edjem na to, aby dok\u00e1zali spl\u00e1cet dohodnutou \u010d\u00e1stku. Jist\u011b, ze za\u010d\u00e1tku si mohou myslet, \u017ee to zvl\u00e1dnou. Ov\u0161em obvykle nepo\u010d\u00edtaj\u00ed s mimo\u0159\u00e1dn\u00fdmi v\u00fddaji \u010di ud\u00e1lostmi, kter\u00e9 se mohou vyskytnout. M\u016f\u017ee se jednat nap\u0159\u00edklad o ztr\u00e1tu zam\u011bstn\u00e1n\u00ed, dlouhodob\u00e9 onemocn\u011bn\u00ed, ale i V\u00e1noce.Takov\u00fdto nespolehliv\u00fd pl\u00e1tce v\u0161ak m\u016f\u017ee p\u0159edstavovat probl\u00e9m pro v\u011b\u0159itele, kter\u00fd mu onu finan\u010dn\u00ed \u010d\u00e1stku poskytl. Ov\u0161em nemus\u00ed si zoufat. M\u00e1 toti\u017e leg\u00e1ln\u00ed mo\u017enosti, jak z\u00edskat sv\u00e9 pen\u00edze zp\u011bt, a to i v\u010detn\u011b \u00farok\u016f. Jsou to prost\u0159edky, kter\u00e9 jsou hojn\u011b vyu\u017e\u00edv\u00e1ny nap\u0159\u00edklad nebankovn\u00edmi spole\u010dnostmi, kter\u00e9 se specializuj\u00ed na poskytov\u00e1n\u00ed nejr\u016fzn\u011bj\u0161\u00edch druh\u016f p\u016fj\u010dek. Jak\u00e9 to jsou?Pokud dlu\u017en\u00edka n\u011bkolikr\u00e1t upozorn\u00edte, \u017ee neplat\u00ed podle dohodnut\u00e9ho spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e, m\u00e1te mo\u017enost obr\u00e1tit se na soud. P\u0159edpokladem v\u0161ak je, \u017ee z\u00e1znam o p\u016fj\u010dce m\u00e1te p\u00edsemn\u011b, a to s ov\u011b\u0159en\u00fdmi podpisy obou stran.Soud pak, pokud shled\u00e1 va\u0161i \u017e\u00e1dost opr\u00e1vn\u011bnou, na\u0159\u00edd\u00ed dlu\u017en\u00edkovi danou \u010d\u00e1stku zaplatit. Pokud neuposlechne ani t\u00e9to v\u00fdzvy, n\u00e1sleduje exekuce, tedy zabaven\u00ed majetku v hodnot\u011b vy\u0161\u0161\u00ed ne\u017e dlu\u017en\u00e1 \u010d\u00e1stka, a jeho prodej. Z jeho v\u00fdt\u011b\u017eku se pak zaplat\u00ed jak onen dluh, tak v\u00fdkony spojen\u00e9 s vykon\u00e1n\u00edm exekuce.Je samoz\u0159ejm\u00e9, \u017ee v takov\u00e9to situaci nechce skon\u010dit asi nikdo z n\u00e1s. Proto dob\u0159e zva\u017ete, zda si pen\u00edze skute\u010dn\u011b pot\u0159ebujete p\u016fj\u010dit. A pokud ano, zda pak opravdu m\u00e1te dostate\u010dn\u00fd p\u0159\u00edjem na to, abyste v\u0161e zvl\u00e1dli zaplatit, a to i v p\u0159\u00edpad\u011b mimo\u0159\u00e1dn\u00fdch okolnost\u00ed. V\u011b\u0159te toti\u017e, \u017ee n\u00e1sledky za to nestoj\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e9 mo\u017enosti maj\u00ed banky, kdy\u017e je dlu\u017en\u00edk nespolehliv\u00fd pl\u00e1tce","item":"https:\/\/www.portimex.cz\/jake-moznosti-maji-banky-kdyz-je-dluznik-nespolehlivy-platce\/#breadcrumbitem"}]}]