[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kanonak.cz\/jak-roste-zadluzeni\/#Article","mainEntityOfPage":"https:\/\/www.kanonak.cz\/jak-roste-zadluzeni\/","headline":"Jak roste zadlu\u017een\u00ed","name":"Jak roste zadlu\u017een\u00ed","description":"Z ekonomick\u00e9ho hlediska jsou n\u011bkter\u00e9 dluhy nebezpe\u010dn\u011bj\u0161\u00ed, jsou to pr\u00e1v\u011b ty dluhy, kter\u00e9 vznikly u p\u016fj\u010dek. Tam toti\u017e naskakuj\u00ed \u00faroky z prodlen\u00ed a nav\u00edc hroz\u00ed","datePublished":"2019-11-08","dateModified":"2023-05-31","author":{"@type":"Person","@id":"https:\/\/www.kanonak.cz\/author\/#Person","name":"","url":"https:\/\/www.kanonak.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/163f6c65c8acab43fa062eaf19866aeb6d6c2adc4d5c2462700a89e6feec77a0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kanonak.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kanonak.cz\/wp-content\/uploads\/img_a362012_w4272_t1575041353.jpg","url":"https:\/\/www.kanonak.cz\/wp-content\/uploads\/img_a362012_w4272_t1575041353.jpg","height":0,"width":0},"url":"https:\/\/www.kanonak.cz\/jak-roste-zadluzeni\/","about":["Finance"],"wordCount":458,"articleBody":"Z ekonomick\u00e9ho hlediska jsou n\u011bkter\u00e9 dluhy nebezpe\u010dn\u011bj\u0161\u00ed, jsou to pr\u00e1v\u011b ty dluhy, kter\u00e9 vznikly u p\u016fj\u010dek. Tam toti\u017e naskakuj\u00ed \u00faroky z prodlen\u00ed a nav\u00edc hroz\u00ed smluvn\u00ed pokuta. V \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b bychom nem\u011bli p\u0159estat platit pravideln\u011b platby, jako je placen\u00ed za n\u00e1jem, za energie, j\u00eddlo, v\u00fd\u017eivn\u00e9, ty jsou d\u016fle\u017eit\u00e9 z existen\u010dn\u00edho hlediska. Tak\u00e9 je mo\u017en\u00e9 si za\u0159\u00eddit u dluhu, kter\u00fd m\u00e1me za elekt\u0159inu, jeho pravideln\u00e9 spl\u00e1cen\u00ed po men\u0161\u00edch pravideln\u00fdch \u010d\u00e1stk\u00e1ch a v\u00edce zaplatit u p\u016fj\u010dky, tam toti\u017e zadlu\u017een\u00ed roste. Jak tomu n\u00e1r\u016fstu u p\u016fj\u010dky dojde? P\u016fj\u010d\u00edte si u n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti 10.000 K\u010d, zaplat\u00edte jen n\u011bkolik spl\u00e1tek a d\u00e1l neplat\u00edte. D\u016fvody mohou b\u00fdt r\u016fzn\u00e9, onemocn\u011bl jste, p\u0159i\u0161el o zam\u011bstn\u00e1n\u00ed. A po dvou letech p\u0159ijde exeku\u010dn\u00ed p\u0159\u00edkaz a vy zjist\u00edte, \u017ee m\u00e1te zaplatit v\u00edce ne\u017e 40.000 K\u010d. To v\u0161echno se stalo s va\u0161\u00ed p\u016fj\u010dkou od t\u00e9 chv\u00edle, kdy jste p\u0159estal spl\u00e1cet. Je mo\u017en\u00e9 zabr\u00e1nit tomu, aby dluh tak hodn\u011b narostl?\tJak se chovat p\u0159i uzav\u0159en\u00ed smlouvy o p\u016fj\u010dce?  M\u011bli byste se p\u0159ed uzav\u0159en\u00edm smlouvy o p\u016fj\u010dce podrobn\u011b informovat, a to nejen o v\u00fd\u0161i spl\u00e1tek, dob\u011b spl\u00e1cen\u00ed, ale tak\u00e9 i o sank\u010dn\u00edch ujedn\u00e1n\u00edch, kter\u00e1 by m\u011bla b\u00fdt ve smlouv\u011b. Pokud dojde z n\u011bjak\u00e9ho d\u016fvodu k opo\u017ed\u011bn\u00ed spl\u00e1tek, m\u011bli byste okam\u017eit\u00e9 za\u010d\u00edt komunikovat s v\u011b\u0159itelem, kter\u00fd v\u00e1m p\u016fj\u010dil pen\u00edze. M\u016f\u017eete ho zkusit po\u017e\u00e1dat o odklad splatnosti a z\u00e1rove\u0148 se sna\u017eit pravideln\u011b ka\u017ed\u00fd m\u011bs\u00edc hradit alespo\u0148 takovou \u010d\u00e1stku, kterou si m\u016f\u017eete dovolit. M\u016f\u017ee se st\u00e1t, \u017ee tak p\u0159edejdete velk\u00e9mu n\u00e1r\u016fstu dlu\u017en\u00e9 \u010d\u00e1stky.\tD\u016fle\u017eit\u00e9 pojmy v zadlu\u017een\u00ed\t Upom\u00ednka od v\u011b\u0159itele – p\u0159ed\u017ealobn\u00ed upom\u00ednka, tu m\u00e1 v\u011b\u0159itel povinnost odeslat na posledn\u00ed jemu zn\u00e1mou adresu dlu\u017en\u00edka. \u017daloba na zaplacen\u00ed nebo n\u00e1vrh na vyd\u00e1n\u00ed platebn\u00edho rozkazu, ten je zvl\u00e1\u0161tn\u00edm druhem \u017ealoby, je to rozhodnut\u00ed soudu a ten ho vyd\u00e1, pokud pr\u00e1vo na zaplacen\u00ed je z\u0159ejm\u00e9 ze skute\u010dnost\u00ed, kter\u00e9 p\u0159edlo\u017eil \u017ealobce, tedy v\u011b\u0159itel. Exekuce je v\u00fdkonem rozhodnut\u00ed a prov\u00e1d\u00ed se nap\u0159\u00edklad sr\u00e1\u017ekami ze mzdy, nebo i prodejem movit\u00e9ho i nemovit\u00e9ho majetku.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak roste zadlu\u017een\u00ed","item":"https:\/\/www.kanonak.cz\/jak-roste-zadluzeni\/#breadcrumbitem"}]}]