[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lotmat.cz\/mate-jistotu-ze-vy-nejste-dluzniky\/#Article","mainEntityOfPage":"https:\/\/www.lotmat.cz\/mate-jistotu-ze-vy-nejste-dluzniky\/","headline":"M\u00e1te jistotu, \u017ee vy nejste dlu\u017en\u00edky?","name":"M\u00e1te jistotu, \u017ee vy nejste dlu\u017en\u00edky?","description":"V dne\u0161n\u00ed dob\u011b nen\u00ed nic slo\u017eit\u00e9ho setkat se s t\u00edm, \u017ee je n\u011bkdo dlu\u017en\u00edk. Jakmile n\u011bkdo tento titul z\u00edsk\u00e1, tak v o\u010d\u00edch ostatn\u00edch se z n\u011bj automaticky st\u00e1v\u00e1 neplati\u010d. Ale pozor! Pojem dlu\u017en\u00edk nen\u00ed ozna\u010den\u00ed pouze pro p\u0159\u00edm\u00e9 neplati\u010de, tedy pro ty, kte\u0159\u00ed nedodr\u017euj\u00ed svoje z\u00e1vazky a\u0165 u\u017e finan\u010dn\u00ed nebo v\u016f\u010di poskytovatel\u016fm slu\u017eeb jako jsou&hellip; <br> <a class=\"read-more\" href=\"https:\/\/www.lotmat.cz\/mate-jistotu-ze-vy-nejste-dluzniky\/\">Read more<\/a>","datePublished":"2017-10-11","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.lotmat.cz\/author\/#Person","name":"lotmat.cz","url":"https:\/\/www.lotmat.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4ae18345300f35922a2a7b2caa17564b68acab8514eff939a8a019efde378c24?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lotmat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lotmat.cz\/wp-content\/uploads\/img_a302800_w2445_t1512729976.jpg","url":"https:\/\/www.lotmat.cz\/wp-content\/uploads\/img_a302800_w2445_t1512729976.jpg","height":0,"width":0},"url":"https:\/\/www.lotmat.cz\/mate-jistotu-ze-vy-nejste-dluzniky\/","about":["Finance"],"wordCount":447,"articleBody":"        V dne\u0161n\u00ed dob\u011b nen\u00ed nic slo\u017eit\u00e9ho setkat se s t\u00edm, \u017ee je n\u011bkdo dlu\u017en\u00edk. Jakmile n\u011bkdo tento titul z\u00edsk\u00e1, tak v o\u010d\u00edch ostatn\u00edch se z n\u011bj automaticky st\u00e1v\u00e1 neplati\u010d.Ale pozor! Pojem dlu\u017en\u00edk nen\u00ed ozna\u010den\u00ed pouze pro p\u0159\u00edm\u00e9 neplati\u010de, tedy pro ty, kte\u0159\u00ed nedodr\u017euj\u00ed svoje z\u00e1vazky a\u0165 u\u017e finan\u010dn\u00ed nebo v\u016f\u010di poskytovatel\u016fm slu\u017eeb jako jsou energie, mobiln\u00ed oper\u00e1to\u0159i, atd.  Dlu\u017en\u00edkem se st\u00e1v\u00e1te automaticky p\u0159i podeps\u00e1n\u00ed jak\u00e9koliv smlouvy o p\u016fj\u010dce, \u00fav\u011bru, hypot\u00e9ky a to bez ohledu na to, \u017ee \u0159\u00e1dn\u011b sv\u016fj z\u00e1vazek v pravideln\u00fdch a v\u010dasn\u00fdch m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch spl\u00e1c\u00edte https:\/\/www.americka-nebankovni-hypoteka.cz\/dluznik\/. Vy toti\u017e mus\u00edte vr\u00e1tit celou dlu\u017enou \u010d\u00e1stku, a dokud j\u00ed tedy nesplat\u00edte, tak j\u00ed pochopiteln\u011b po\u0159\u00e1d dlu\u017e\u00edte a t\u00edm p\u00e1dem jste dlu\u017en\u00edkem.Teprve po splacen\u00ed cel\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky dle podm\u00ednek ve smlouv\u011b v\u010detn\u011b \u00farok\u016f a dal\u0161\u00edch poplatk\u016f se titulu dlu\u017en\u00edk zbav\u00edte.Hor\u0161\u00ed p\u0159\u00edpad titulu dlu\u017en\u00edk je ten, kdy opravdu p\u0159estanete spl\u00e1cet jak\u00fdkoliv sv\u016fj z\u00e1vazek.  S takov\u00fdm po\u010d\u00edn\u00e1n\u00edm p\u0159ich\u00e1z\u00ed mnoho dal\u0161\u00edch probl\u00e9m\u016f, kter\u00e9 v\u00e1m dlu\u017enou \u010d\u00e1stku zna\u010dn\u011b nav\u00fd\u0161\u00ed a to jak u bankovn\u00ed tak i nebankovn\u00ed spole\u010dnosti a k tomu se p\u0159idaj\u00ed dal\u0161\u00ed n\u00e1sledky jako zesplatn\u011bn\u00ed, z\u00e1znam v registrech dlu\u017en\u00edk\u016f nebo rovnou exekuce.Jedn\u00e1 se o opravdu nep\u0159\u00edjemnou situaci, d\u00edky kter\u00e9 se \u010dasto takov\u00ed dlu\u017en\u00edci dost\u00e1vaj\u00ed do dluhov\u00e9 pasti. P\u0159i ka\u017ed\u00e9 p\u016fj\u010dce, \u00fav\u011bru nebo hypot\u00e9ce je dobr\u00e9 zv\u00e1\u017eit v\u0161echny svoje mo\u017enosti a to hlavn\u011b ohledn\u011b zaji\u0161t\u011bn\u00ed p\u0159\u00edjm\u016f, poji\u0161t\u011bn\u00ed, \u017eelezn\u00e9 rezervy, atd. Kdy\u017e je v\u00e1m p\u016fj\u010dka zam\u00edtnuta, tak je to vlastn\u011b prvn\u00ed varov\u00e1n\u00ed, \u017ee va\u0161e situace nen\u00ed natolik ide\u00e1ln\u00ed, abyste byli schopni spl\u00e1cet finan\u010dn\u00ed z\u00e1vazek.P\u0159i \u017e\u00e1dosti o p\u016fj\u010dku a je jedno, jestli v bance nebo nebankovn\u00ed spole\u010dnosti, \u010dasto doch\u00e1z\u00ed k zam\u00edtnut\u00ed. A ji\u017e to je varovn\u00fd sign\u00e1l, \u017ee nem\u00e1te situaci pevn\u011b pod kontrolou a p\u0159i kladn\u00e9m vy\u0159\u00edzen\u00ed va\u0161\u00ed \u017e\u00e1dosti o finan\u010dn\u00ed p\u016fj\u010dku m\u016f\u017ee \u010dasem doj\u00edt k pot\u00ed\u017e\u00edm. V takov\u00e9m p\u0159\u00edpad\u011b zva\u017ete d\u016fkladn\u011b, jestli se opravdu chcete st\u00e1t dlu\u017en\u00edkem.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1te jistotu, \u017ee vy nejste dlu\u017en\u00edky?","item":"https:\/\/www.lotmat.cz\/mate-jistotu-ze-vy-nejste-dluzniky\/#breadcrumbitem"}]}]