{"id":897,"date":"2022-11-21T14:57:47","date_gmt":"2022-11-21T13:57:47","guid":{"rendered":"http:\/\/recover.jellyfishcreativestudio.be\/?p=897"},"modified":"2025-03-21T14:11:20","modified_gmt":"2025-03-21T13:11:20","slug":"jak-se-vyhnout-predluzeni","status":"publish","type":"post","link":"https:\/\/www.recover.eu\/cs\/rada-2\/jak-se-vyhnout-predluzeni\/","title":{"rendered":"Jak se vyhnout p\u0159edlu\u017een\u00ed?"},"content":{"rendered":"<p>P\u0159edlu\u017een\u00ed je definov\u00e1no jako neschopnost spl\u00e1cet v\u0161echny dluhy v pln\u00e9 v\u00fd\u0161i a v\u010das. K tomu doch\u00e1z\u00ed, kdy\u017e \u010dist\u00fd p\u0159\u00edjem dom\u00e1cnosti nesta\u010d\u00ed pokr\u00fdt jej\u00ed opakovan\u00e9 v\u00fddaje po dobu \u0161esti po sob\u011b jdouc\u00edch m\u011bs\u00edc\u016f. Jedn\u00e1 se o nep\u0159\u00edznivou a p\u0159etrv\u00e1vaj\u00edc\u00ed finan\u010dn\u00ed situaci, kter\u00e1 by mohla vy\u00fastit a\u017e v soudn\u00ed \u0159\u00edzen\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jak\u00e9 jsou p\u0159\u00ed\u010diny p\u0159edlu\u017een\u00ed?<\/h2>\n\n\n\n<p>K p\u0159edlu\u017een\u00ed nikdy nedoch\u00e1z\u00ed n\u00e1hodou. Lze rozli\u0161it dv\u011b hlavn\u00ed p\u0159\u00ed\u010diny, kter\u00e9 vedou k t\u00e9to situaci:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>osobn\u00ed d\u016fvody (\u0161patn\u00e9 hospoda\u0159en\u00ed s rozpo\u010dtem, snaha o vy\u0161\u0161\u00ed soci\u00e1ln\u00ed status, nemoc, \u00faraz nebo \u00faraz, z\u00e1vislost atd.)<\/li>\n\n\n\n<li>soci\u00e1ln\u00ed d\u016fvody (inflace, nezam\u011bstnanost, pokles mezd, pozdn\u00ed platby atd.)<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>M\u016f\u017eeme tedy \u0159\u00edci, \u017ee existuj\u00ed dva typy p\u0159edlu\u017een\u00ed: \u201epasivn\u00ed\u201c p\u0159edlu\u017een\u00ed, zp\u016fsoben\u00e9 nezam\u011bstnanost\u00ed a jin\u00fdmi n\u00e1hl\u00fdmi ud\u00e1lostmi, kter\u00e9 znemo\u017e\u0148uj\u00ed spl\u00e1cen\u00ed dluhu; a \u201eaktivn\u00ed\u201c nadm\u011brn\u00e9 zadlu\u017een\u00ed, co\u017e je v\u00fdsledek dluhu, kter\u00fd \u010dlov\u011bk nen\u00ed schopen spl\u00e1cet.<\/p>\n\n\n\n<p>Dluhy lze kvalifikovat jako:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>b\u011b\u017en\u00e9 v\u00fddaje, jako je n\u00e1jemn\u00e9, \u00fa\u010dty za elekt\u0159inu a internet, stejn\u011b jako ve\u0161ker\u00e9 n\u00e1klady na rekonstrukci domu.<\/li>\n\n\n\n<li>dluhy ve form\u011b hypot\u00e9ky, spot\u0159ebitelsk\u00e9ho \u00fav\u011bru nebo \u00fav\u011bru na auto. Jedn\u00e1 se o p\u016fj\u010dov\u00e1n\u00ed pen\u011bz, kter\u00e9 budou spl\u00e1ceny m\u011bs\u00ed\u010dn\u011b s \u00faroky.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Pouh\u00e1 nutnost spl\u00e1cet p\u016fj\u010dku nebo do\u010dasn\u00e9 finan\u010dn\u00ed pot\u00ed\u017ee neznamen\u00e1, \u017ee jste p\u0159edlu\u017eeni. To se st\u00e1v\u00e1 spoust\u011b lid\u00ed. Tak\u017ee nepropadejte panice! P\u016fj\u010dky nejsou nep\u0159\u00edtel, i kdy\u017e je d\u016fle\u017eit\u00e9 si uv\u011bdomit, \u017ee p\u0159edlu\u017een\u00ed m\u016f\u017ee b\u00fdt zp\u016fsobeno jejich zneu\u017eit\u00edm.<\/p>\n\n\n\n<p>Ne\u017e si z jak\u00e9hokoli d\u016fvodu vezmete p\u016fj\u010dku, ujist\u011bte se, \u017ee m\u00e1te jasnou p\u0159edstavu o tom, jak bude v\u00e1\u0161 dostupn\u00fd rozpo\u010det pot\u00e9 vypadat. Polo\u017ete si jednoduchou ot\u00e1zku: \u201eSta\u010d\u00ed m\u016fj p\u0159\u00edjem na pokryt\u00ed m\u00fdch \u017eivotn\u00edch n\u00e1klad\u016f a spl\u00e1tek \u00fav\u011bru?\u201c &quot;. Budete m\u00edt dost pen\u011bz na nezbytn\u00e9 v\u00fddaje jako n\u00e1jem, potraviny a \u00fa\u010dty za dom\u00e1cnost? Pokud je odpov\u011b\u010f ne, hroz\u00ed v\u00e1m p\u0159edlu\u017een\u00ed a podpis si rozhodn\u011b rozmyslete.<\/p>\n\n\n\n<p>Abyste v\u011bd\u011bli, zda v\u00e1m hroz\u00ed p\u0159edlu\u017een\u00ed, mus\u00edte nejprve zn\u00e1t svou zadlu\u017eenost, tedy m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem v porovn\u00e1n\u00ed s celkov\u00fdmi m\u011bs\u00ed\u010dn\u00edmi v\u00fddaji. Tento pom\u011br vypo\u010d\u00edt\u00e1te tak, \u017ee se\u010dtete sv\u00e9 dluhy za dan\u00fd m\u011bs\u00edc (n\u00e1jemn\u00e9, sm\u011bnky a p\u016fj\u010dky) a porovn\u00e1te je s \u010dist\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem Obecn\u011b plat\u00ed, \u017ee zadlu\u017eenost vy\u0161\u0161\u00ed ne\u017e 50% va\u0161eho disponibiln\u00edho p\u0159\u00edjmu s sebou nese riziko p\u0159edlu\u017een\u00ed. Dokonce i m\u00edra zadlu\u017een\u00ed nad 30% je znepokojuj\u00edc\u00ed a vy\u017eaduje opatrnost! Tak\u00e9 sazba 33% je bankami p\u0159ed poskytnut\u00edm \u00fav\u011bru systematicky zohled\u0148ov\u00e1na.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Zde je n\u011bkolik u\u017eite\u010dn\u00fdch tip\u016f, kter\u00e9 v\u00e1m pomohou ovl\u00e1dat sv\u00e9 osobn\u00ed finance a vyhnout se nadm\u011brn\u00e9mu zadlu\u017een\u00ed:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>U\u0161et\u0159ete co nejv\u00edce pen\u011bz. Pen\u00edze si pravideln\u011b odkl\u00e1dejte. S vedlej\u0161\u00edmi a nep\u0159edv\u00eddan\u00fdmi v\u00fddaji se budete moci vyrovnat mnohem snadn\u011bji.<\/li>\n\n\n\n<li>Omezte zbyte\u010dn\u00e9 v\u00fddaje. Sni\u017ete svou dosavadn\u00ed \u017eivotn\u00ed \u00farove\u0148 a kupujte jen to, co je nutn\u00e9. Vyu\u017eijte speci\u00e1ln\u00ed nab\u00eddky na sv\u00e9 z\u00e1kladn\u00ed n\u00e1kupy. Zkontrolujte sv\u00e9 v\u00fddaje a vyberte si, bez \u010deho se neobejdete ani do\u010dasn\u011b, dokud nebudou va\u0161e finance v po\u0159\u00e1dku.<\/li>\n\n\n\n<li>Vyhn\u011bte se p\u0159\u00edpadn\u00fdm pozdn\u00edm platb\u00e1m. Pozdn\u00ed platby jsou n\u00e1kladn\u00e9 a zv\u00fd\u0161\u00ed v\u00e1\u0161 dluh.<\/li>\n\n\n\n<li>Vytvo\u0159te spl\u00e1tkov\u00fd kalend\u00e1\u0159. Vytvo\u0159te si pl\u00e1n zalo\u017een\u00fd na va\u0161em p\u0159\u00edjmu a datech splatnosti. T\u00edmto zp\u016fsobem budete v\u011bd\u011bt, kolik m\u016f\u017eete ka\u017ed\u00fd m\u011bs\u00edc zaplatit, a m\u016f\u017eete upravit sv\u00e9 v\u00fddaje.<\/li>\n\n\n\n<li>Nepou\u017e\u00edvejte revolvingov\u00e9 kredity. Maj\u00ed velmi vysokou \u00farokovou sazbu a je l\u00e1kav\u00e9 vyu\u017e\u00edt \u00fav\u011brov\u00fd limit. Vyhn\u011bte se kreditn\u00edm kart\u00e1m a p\u016fj\u010dk\u00e1m na pokryt\u00ed v\u00fddaj\u016f.<\/li>\n\n\n\n<li>Kontaktujte sv\u00e9 v\u011b\u0159itele. Vyjednejte si dal\u0161\u00ed \u010das na splacen\u00ed nebo p\u0159epl\u00e1nujte sv\u00e9 p\u016fj\u010dky.<\/li>\n\n\n\n<li>Neberte si nov\u00e9 p\u016fj\u010dky. Pokud tak u\u010din\u00edte, v\u011bci se jen zhor\u0161\u00ed.<\/li>\n\n\n\n<li>Nekonsolidujte sv\u00e9 p\u016fj\u010dky. Celkovou zadlu\u017eenost zv\u00fd\u0161\u00edte prodlou\u017een\u00edm doby splatnosti p\u016fj\u010dky.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Abyste m\u011bli pod kontrolou sv\u016fj rozpo\u010det a udr\u017eeli si platebn\u00ed a spl\u00e1cec\u00ed kapacitu, je nezbytn\u00e9 hl\u00eddat si sv\u00e9 finance. Dodr\u017eov\u00e1n\u00edm ur\u010dit\u00fdch preventivn\u00edch opat\u0159en\u00ed, v\u011bdom\u00edm rizik a d\u016fsledn\u00fdm \u0159\u00edzen\u00edm sv\u00e9ho rozpo\u010dtu m\u00e1te v\u0161echny \u0161ance, \u017ee nikdy nebudete \u010delit nadm\u011brn\u00e9mu zadlu\u017een\u00ed!<\/p>\n\n\n\n<p>M\u016f\u017ee b\u00fdt tak\u00e9 u\u017eite\u010dn\u00e9 uzav\u0159\u00edt poji\u0161t\u011bn\u00ed pro va\u0161e nejv\u011bt\u0161\u00ed kredity. To v\u00e1m nab\u00edz\u00ed dal\u0161\u00ed ochranu p\u0159ed nep\u0159edv\u00eddan\u00fdmi ud\u00e1lostmi, kter\u00e9 by mohly naru\u0161it rovnov\u00e1hu va\u0161ich schopnost\u00ed spl\u00e1cet.<\/p>\n\n\n\n<p>Pravd\u011bpodobn\u011b jste ji\u017e sly\u0161eli o nebezpe\u010d\u00ed osobn\u00edch p\u016fj\u010dek, kter\u00e9 mnoho organizac\u00ed poskytuje bez jak\u00fdchkoli podm\u00ednek. Tyto p\u016fj\u010dky se vyu\u017e\u00edvaj\u00ed v mnoha situac\u00edch p\u0159edlu\u017een\u00ed. Velmi snadn\u00e9 je z\u00edskat, jsou obecn\u011b poskytov\u00e1ny online velmi rychle. Vyhn\u011bte se pasti spot\u0159ebitelsk\u00e9ho \u00fav\u011bru.<\/p>\n\n\n\n<p>Dluh m\u016f\u017ee m\u00edt zni\u010duj\u00edc\u00ed d\u016fsledky na va\u0161i pohodu: ztr\u00e1ta sebev\u011bdom\u00ed, deprese, izolace, rodinn\u00fd konflikt, sn\u00ed\u017een\u00ed rodinn\u00e9ho rozpo\u010dtu. Pokud jste p\u0159edlu\u017eeni, nestrkejte hlavu do p\u00edsku, vezm\u011bte v\u011bci do sv\u00fdch rukou! Akce v\u017edy vede k \u0159e\u0161en\u00ed! Za\u010dn\u011bte t\u00edm, \u017ee kontaktujete sv\u00e9 v\u011b\u0159itele a po\u017e\u00e1d\u00e1te je o ujedn\u00e1n\u00ed o splacen\u00ed \u010d\u00e1stek, kter\u00e9 jim dlu\u017e\u00edte. Nap\u0159\u00edklad op\u011btovn\u00e9 sjedn\u00e1n\u00ed hypot\u00e9ky v\u00e1m \u010dasto umo\u017en\u00ed sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed v\u00fddaje. Nebo po\u017e\u00e1dejte o pl\u00e1n plateb, abyste ulevili sv\u00e9 finan\u010dn\u00ed situaci.<\/p>","protected":false},"excerpt":{"rendered":"<p>Jak\u00e9 jsou p\u0159\u00ed\u010diny p\u0159edlu\u017een\u00ed a jak se mu vyhnout?<\/p>","protected":false},"author":2,"featured_media":900,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-897","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debiteurs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment \u00e9viter le surendettement ? - INTERNATIONAL RECOVER COMPANY<\/title>\n<meta name=\"description\" content=\"Stop au surendettement ! 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