[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mhks.cz\/pravidelne-splacet-se-vyplaci\/#Article","mainEntityOfPage":"https:\/\/www.mhks.cz\/pravidelne-splacet-se-vyplaci\/","headline":"Pravideln\u011b spl\u00e1cet se vypl\u00e1c\u00ed","name":"Pravideln\u011b spl\u00e1cet se vypl\u00e1c\u00ed","description":"V posledn\u00edch letech se zadlu\u017eenost sn\u00ed\u017eila, ale samoz\u0159ejm\u011b nezmizela. N\u011bkte\u0159\u00ed lid\u00e9 si sjednaj\u00ed \u00fav\u011bry na lednici, dovolenou, V\u00e1noce i svatbu a potom se div\u00ed, \u017ee nest\u00edhaj\u00ed a nemaj\u00ed pen\u00edze na v\u0161echno. A v\u016fbec nez\u00e1le\u017e\u00ed na tom, jak\u00e9ho druhu je. A\u0165 spot\u0159ebitelsk\u00fd, hypot\u00e9ka nebo kontokorent. Ud\u011blat si dluh m\u016f\u017eete mnoha zp\u016fsoby. To nejhor\u0161\u00ed, co v sou\u010dasnosti […]","datePublished":"2019-04-10","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.mhks.cz\/author\/#Person","name":"mhks.cz\n","url":"https:\/\/www.mhks.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mhks.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mhks.cz\/wp-content\/uploads\/img_a343172_w2239_t1556361296.jpg","url":"https:\/\/www.mhks.cz\/wp-content\/uploads\/img_a343172_w2239_t1556361296.jpg","height":0,"width":0},"url":"https:\/\/www.mhks.cz\/pravidelne-splacet-se-vyplaci\/","about":["Finance"],"wordCount":411,"articleBody":" V posledn\u00edch letech se zadlu\u017eenost sn\u00ed\u017eila, ale samoz\u0159ejm\u011b nezmizela. N\u011bkte\u0159\u00ed lid\u00e9 si sjednaj\u00ed \u00fav\u011bry na lednici, dovolenou, V\u00e1noce i svatbu a potom se div\u00ed, \u017ee nest\u00edhaj\u00ed a nemaj\u00ed pen\u00edze na v\u0161echno. A v\u016fbec nez\u00e1le\u017e\u00ed na tom, jak\u00e9ho druhu je. A\u0165 spot\u0159ebitelsk\u00fd, hypot\u00e9ka nebo kontokorent. Ud\u011blat si dluh m\u016f\u017eete mnoha zp\u016fsoby. To nejhor\u0161\u00ed, co v sou\u010dasnosti m\u016f\u017eete ud\u011blat, je p\u0159estat komunikovat. S v\u011bt\u0161inou bank se m\u016f\u017eete norm\u00e1ln\u011b domluvit, upravit si \u010d\u00e1stky, po\u017e\u00e1dat o jin\u00fd spl\u00e1tkov\u00fd kalend\u00e1\u0159 apod. Z\u00e1kladem je tedy komunikovat a samoz\u0159ejm\u011b nezapom\u00ednat platit.  Co d\u011blat v nep\u0159\u00edjemn\u00e9 situaci? Pochopiteln\u011b se m\u016f\u017ee st\u00e1t, \u017ee se dostanete do t\u00ed\u017eiv\u00e9 finan\u010dn\u00ed situace. M\u016f\u017eete p\u0159ij\u00edt o pr\u00e1ci, st\u00e1t se t\u011b\u017ek\u00fd \u00faraz nebo cokoli jin\u00e9ho. St\u00e1t se m\u016f\u017ee cokoli. Co ale ud\u011bl\u00e1 banka v prvn\u00ed \u0159ad\u011b? Nejd\u0159\u00edv p\u0159ijdou \u00faroky z prodlen\u00ed. Ka\u017ed\u00e1 spole\u010dnost m\u00e1 ur\u010denou pevnou \u010d\u00e1stku. Jedn\u00e1 se o sumu do t\u0159iceti procent za rok z dlu\u017en\u00e9 \u010d\u00e1stky. Ta se p\u0159i\u010d\u00edt\u00e1 za ka\u017ed\u00fd den, kdy se opozd\u00edte. Toto na\u010d\u00edt\u00e1n\u00ed se m\u016f\u017ee vy\u0161plhat velmi vysoko. Z\u00e1le\u017e\u00ed samoz\u0159ejm\u011b na tom, jak daleko to nech\u00e1te doj\u00edt. Bankovn\u00ed spole\u010dnost se pokou\u0161\u00ed klienta kontaktovat telefonicky i e-mailem a dohodnout se na \u0159e\u0161en\u00ed, kter\u00e9 bude vyhovovat v\u0161em . V\u011bt\u0161ina lid\u00ed se ov\u0161em kontaktu s nimi ob\u00e1v\u00e1, a proto telefony nezvedaj\u00ed. Co nastane, kdy\u017e nereagujete\u2026 Klienti \u010dasto ignoruj\u00ed v\u0161echny pokusy banky se s dlu\u017en\u00edkem spojit. To se ale v\u016fbec nevypl\u00e1c\u00ed. Spole\u010dnost m\u016f\u017ee prohl\u00e1sit \u00fav\u011br za splatn\u00fd a po\u017eadovat okam\u017eit\u00e9 uhrazen\u00ed cel\u00e9ho z\u00e1vazku, a to v\u010detn\u011b \u00farok\u016f z prodlen\u00ed. To samoz\u0159ejm\u011b nebude finan\u010dn\u011b mo\u017en\u00e9. To znamen\u00e1, \u017ee pravd\u011bpodobn\u011b navrhnout individu\u00e1ln\u00ed kalend\u00e1\u0159. Ale krom\u011b \u00faroku z prodlen\u00ed v\u00e1s \u010dekaj\u00ed i dal\u0161\u00ed poplatky, a to: poplatky za upom\u00ednky, poplatky za v\u00fdzvy.  Nejhor\u0161\u00ed variantou, do kter\u00e9 m\u016f\u017eete doj\u00edt, je exekuce \u010di insolvence. V tomto p\u0159\u00edpad\u011b je v\u00fdhodn\u011bj\u0161\u00ed insolvence, kter\u00e1 vyjde levn\u011bji. Na rozd\u00edl od exekutora si toti\u017e insolven\u010dn\u00ed spr\u00e1vce ne\u00fa\u010dtuje \u017e\u00e1dn\u00e9 \u010d\u00e1stky za provedenou pr\u00e1ci a spravov\u00e1n\u00ed pohled\u00e1vky.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pravideln\u011b spl\u00e1cet se vypl\u00e1c\u00ed","item":"https:\/\/www.mhks.cz\/pravidelne-splacet-se-vyplaci\/#breadcrumbitem"}]}]