{"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-uniknac-nadmiernego-zadluzenia","status":"publish","type":"post","link":"https:\/\/www.recover.eu\/pl\/rada-2\/jak-uniknac-nadmiernego-zadluzenia\/","title":{"rendered":"Jak unikn\u0105\u0107 nadmiernego zad\u0142u\u017cenia?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Nadmierne zad\u0142u\u017cenie definiuje si\u0119 jako niemo\u017cno\u015b\u0107 sp\u0142aty ca\u0142o\u015bci zad\u0142u\u017cenia w ca\u0142o\u015bci i w terminie. Dzieje si\u0119 tak, gdy doch\u00f3d netto gospodarstwa domowego nie wystarcza na pokrycie jego sta\u0142ych wydatk\u00f3w w okresie sze\u015bciu kolejnych miesi\u0119cy. Jest to niekorzystna i utrzymuj\u0105ca si\u0119 sytuacja finansowa, kt\u00f3ra mo\u017ce skutkowa\u0107 podj\u0119ciem krok\u00f3w prawnych.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Jakie s\u0105 przyczyny nadmiernego zad\u0142u\u017cenia?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nadmierne zad\u0142u\u017cenie nigdy nie zdarza si\u0119 przypadkowo. Mo\u017cemy wyr\u00f3\u017cni\u0107 dwie g\u0142\u00f3wne przyczyny prowadz\u0105ce do takiej sytuacji:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>powody osobiste (z\u0142e zarz\u0105dzanie bud\u017cetem, d\u0105\u017cenie do wy\u017cszego statusu spo\u0142ecznego, choroba, wypadek lub kontuzja, zale\u017cno\u015b\u0107 itp.)<\/li>\n\n\n\n<li>przyczyny spo\u0142eczne (inflacja, bezrobocie, spadek wynagrodze\u0144, op\u00f3\u017anienia w p\u0142atno\u015bciach itp.)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mo\u017cna zatem powiedzie\u0107, \u017ce wyr\u00f3\u017cnia si\u0119 dwa rodzaje nadmiernego zad\u0142u\u017cenia: nadmierne zad\u0142u\u017cenie \u201ebierne\u201d, spowodowane bezrobociem i innymi nag\u0142ymi zdarzeniami uniemo\u017cliwiaj\u0105cymi sp\u0142at\u0119 zad\u0142u\u017cenia; oraz \u201eaktywne\u201d nadmierne zad\u0142u\u017cenie, b\u0119d\u0105ce skutkiem d\u0142ugu przekraczaj\u0105cego zdolno\u015b\u0107 sp\u0142aty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u0142ug mo\u017cna podzieli\u0107 na:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>wsp\u00f3lne wydatki, takie jak czynsz, rachunki za pr\u0105d i internet, a tak\u017ce wszelkie koszty remontu domu.<\/li>\n\n\n\n<li>zad\u0142u\u017ce\u0144 w formie kredytu na nieruchomo\u015bci, kredytu konsumenckiego czy kredytu samochodowego. Wi\u0105\u017ce si\u0119 to z po\u017cyczaniem pieni\u0119dzy, kt\u00f3re b\u0119d\u0105 sp\u0142acane co miesi\u0105c wraz z odsetkami.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sama konieczno\u015b\u0107 sp\u0142aty po\u017cyczki lub tymczasowe trudno\u015bci finansowe nie oznaczaj\u0105, \u017ce jeste\u015b nadmiernie zad\u0142u\u017cony. To zdarza si\u0119 wielu osobom. Wi\u0119c nie panikuj! Po\u017cyczki nie s\u0105 wrogiem, cho\u0107 trzeba mie\u0107 \u015bwiadomo\u015b\u0107, \u017ce nadmierne zad\u0142u\u017cenie mo\u017ce by\u0107 spowodowane ich nadu\u017cywaniem.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zanim z jakiegokolwiek powodu zaci\u0105gniesz po\u017cyczk\u0119, upewnij si\u0119, \u017ce masz jasny obraz tego, jak b\u0119dzie wygl\u0105da\u0142 Tw\u00f3j dost\u0119pny bud\u017cet p\u00f3\u017aniej. Zadaj sobie proste pytanie: \u201eCzy moje dochody wystarcz\u0105 na pokrycie zar\u00f3wno koszt\u00f3w utrzymania, jak i sp\u0142aty kredytu?\u201d \u201e. Czy b\u0119dziesz mie\u0107 wystarczaj\u0105co du\u017co pieni\u0119dzy na niezb\u0119dne wydatki, takie jak czynsz, artyku\u0142y spo\u017cywcze i rachunki domowe? Je\u015bli odpowied\u017a brzmi nie, ryzykujesz nadmiernym lewarowaniem i zdecydowanie powiniene\u015b pomy\u015ble\u0107 dwa razy przed podpisaniem umowy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aby wiedzie\u0107, czy jeste\u015b nara\u017cony na ryzyko nadmiernego zad\u0142u\u017cenia, musisz najpierw pozna\u0107 sw\u00f3j wska\u017anik zad\u0142u\u017cenia, czyli miesi\u0119czny doch\u00f3d w por\u00f3wnaniu do ca\u0142kowitych miesi\u0119cznych wydatk\u00f3w. Wska\u017anik ten obliczasz sumuj\u0105c swoje zad\u0142u\u017cenie za dany miesi\u0105c (czynsz, rachunki i kredyty) i por\u00f3wnuj\u0105c je z miesi\u0119cznymi dochodami netto.Generalnie wska\u017anik zad\u0142u\u017cenia wy\u017cszy ni\u017c 50% Twoich dochod\u00f3w do dyspozycji niesie ze sob\u0105 ryzyko nadmiernego zad\u0142u\u017cenia. Nawet wska\u017anik zad\u0142u\u017cenia wy\u017cszy ni\u017c 30% jest niepokoj\u0105cy i nakazuje zachowa\u0107 ostro\u017cno\u015b\u0107! R\u00f3wnie\u017c stawka 33% jest systematycznie brana pod uwag\u0119 przez banki przed udzieleniem kredytu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Oto kilka przydatnych wskaz\u00f3wek, kt\u00f3re pomog\u0105 Ci kontrolowa\u0107 swoje finanse osobiste i unika\u0107 nadmiernego zad\u0142u\u017cenia:<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zaoszcz\u0119d\u017a jak najwi\u0119cej pieni\u0119dzy. Regularnie odk\u0142adaj pieni\u0105dze. Du\u017co \u0142atwiej poradzisz sobie z przypadkowymi i nieprzewidzianymi wydatkami.<\/li>\n\n\n\n<li>Ogranicz niepotrzebne wydatki. Obni\u017c sw\u00f3j obecny standard \u017cycia i kupuj tylko to, czego potrzebujesz. Skorzystaj z ofert specjalnych na niezb\u0119dne zakupy. Przejrzyj swoje wydatki i wybierz to, bez czego nie mo\u017cesz \u017cy\u0107, nawet tymczasowo, do czasu uporz\u0105dkowania finans\u00f3w.<\/li>\n\n\n\n<li>Unikaj op\u00f3\u017anie\u0144 w p\u0142atno\u015bciach. Op\u00f3\u017anienia w p\u0142atno\u015bciach s\u0105 kosztowne i zwi\u0119kszaj\u0105 Twoje zad\u0142u\u017cenie.<\/li>\n\n\n\n<li>Zr\u00f3b harmonogram p\u0142atno\u015bci. Utw\u00f3rz harmonogram na podstawie swoich dochod\u00f3w i termin\u00f3w p\u0142atno\u015bci. W ten spos\u00f3b b\u0119dziesz wiedzie\u0107, ile mo\u017cesz zap\u0142aci\u0107 co miesi\u0105c i b\u0119dziesz m\u00f3g\u0142 dostosowa\u0107 swoje wydatki.<\/li>\n\n\n\n<li>Nie korzystaj z kredyt\u00f3w odnawialnych. Maj\u0105 bardzo wysokie oprocentowanie i kusz\u0105ce jest skorzystanie z limitu kredytowego. Unikaj kart kredytowych i po\u017cyczek na pokrycie wydatk\u00f3w.<\/li>\n\n\n\n<li>Skontaktuj si\u0119 ze swoimi wierzycielami. Wynegocjuj dodatkowy czas na sp\u0142at\u0119 lub zmian\u0119 harmonogramu sp\u0142aty po\u017cyczki.<\/li>\n\n\n\n<li>Nie zaci\u0105gaj nowych po\u017cyczek. Takie post\u0119powanie tylko pogorszy sytuacj\u0119.<\/li>\n\n\n\n<li>Nie konsoliduj kredyt\u00f3w. Zwi\u0119kszasz swoje ca\u0142kowite zad\u0142u\u017cenie przed\u0142u\u017caj\u0105c okres po\u017cyczki.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aby kontrolowa\u0107 sw\u00f3j bud\u017cet i utrzyma\u0107 zdolno\u015b\u0107 p\u0142atnicz\u0105 i sp\u0142at\u0119, wa\u017cne jest, aby mie\u0107 oko na swoje finanse. Podejmuj\u0105c pewne \u015brodki ostro\u017cno\u015bci, b\u0119d\u0105c \u015bwiadomym ryzyka i rygorystycznie zarz\u0105dzaj\u0105c bud\u017cetem, masz wszelkie szanse, \u017ce nigdy nie spotkasz si\u0119 z nadmiernym zad\u0142u\u017ceniem!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pomocne mo\u017ce by\u0107 tak\u017ce wykupienie ubezpieczenia najwi\u0119kszych kredyt\u00f3w. Zapewnia to dodatkow\u0105 ochron\u0119 przed nieprzewidzianymi zdarzeniami, kt\u00f3re mog\u0105 zr\u00f3wnowa\u017cy\u0107 Twoje mo\u017cliwo\u015bci sp\u0142aty.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Prawdopodobnie s\u0142ysza\u0142e\u015b ju\u017c o niebezpiecze\u0144stwie po\u017cyczek osobistych, udzielanych bez \u017cadnych warunk\u00f3w przez wiele organizacji. Po\u017cyczki te wykorzystywane s\u0105 w wielu sytuacjach nadmiernego zad\u0142u\u017cenia. Bardzo \u0142atwe do uzyskania, zazwyczaj przyznawane s\u0105 online bardzo szybko. Unikaj pu\u0142apki kredytu konsumenckiego.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u0142ug mo\u017ce mie\u0107 druzgoc\u0105ce konsekwencje dla Twojego samopoczucia: utrata pewno\u015bci siebie, depresja, izolacja, konflikt rodzinny, zmniejszenie bud\u017cetu rodzinnego. Je\u015bli masz nadmierne zad\u0142u\u017cenie, nie chowaj g\u0142owy w piasek, we\u017a sprawy w swoje r\u0119ce! Dzia\u0142anie zawsze prowadzi do rozwi\u0105zania! Zacznij od skontaktowania si\u0119 z wierzycielami i popro\u015b ich o zawarcie uk\u0142adu dotycz\u0105cego sp\u0142aty nale\u017cnych im kwot. Na przyk\u0142ad renegocjacja kredytu mieszkaniowego cz\u0119sto pozwala na zmniejszenie miesi\u0119cznych wydatk\u00f3w. Lub popro\u015b o plan p\u0142atno\u015bci, aby z\u0142agodzi\u0107 swoj\u0105 sytuacj\u0119 finansow\u0105.<\/p>","protected":false},"excerpt":{"rendered":"<p>Jakie s\u0105 przyczyny nadmiernego zad\u0142u\u017cenia i jak go unikn\u0105\u0107?<\/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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D\u00e9couvrez les bons r\u00e9flexes \u00e0 adopter d\u00e8s maintenant pour garder le contr\u00f4le sur vos finances.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.recover.eu\/pl\/rada-2\/jak-uniknac-nadmiernego-zadluzenia\/\" \/>\n<meta property=\"og:site_name\" content=\"INTERNATIONAL RECOVER COMPANY\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RECOVER.EU\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-21T13:57:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-21T13:11:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.recover.eu\/wp-content\/uploads\/2023\/05\/190.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"400\" \/>\n\t<meta property=\"og:image:height\" content=\"235\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Joao\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RECOVER_EU\" \/>\n<meta name=\"twitter:site\" content=\"@RECOVER_EU\" \/>\n<meta name=\"twitter:label1\" content=\"Napisane przez\" \/>\n\t<meta name=\"twitter:data1\" content=\"Joao\" \/>\n\t<meta name=\"twitter:label2\" content=\"Szacowany czas czytania\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.recover.eu\/conseils\/comment-eviter-le-surendettement\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.recover.eu\/conseils\/comment-eviter-le-surendettement\/\"},\"author\":{\"name\":\"Joao\",\"@id\":\"https:\/\/www.recover.eu\/#\/schema\/person\/0c9666a20f04105e050d260f476f96ee\"},\"headline\":\"Comment \u00e9viter le surendettement ?\",\"datePublished\":\"2022-11-21T13:57:47+00:00\",\"dateModified\":\"2025-03-21T13:11:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.recover.eu\/conseils\/comment-eviter-le-surendettement\/\"},\"wordCount\":976,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.recover.eu\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.recover.eu\/conseils\/comment-eviter-le-surendettement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.recover.eu\/wp-content\/uploads\/2023\/05\/190.jpg\",\"articleSection\":[\"Debiteur, je dois de l'argent\"],\"inLanguage\":\"pl-PL\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.recover.eu\/conseils\/comment-eviter-le-surendettement\/\",\"url\":\"https:\/\/www.recover.eu\/conseils\/comment-eviter-le-surendettement\/\",\"name\":\"Comment \u00e9viter le surendettement ? - INTERNATIONAL RECOVER COMPANY\",\"isPartOf\":{\"@id\":\"https:\/\/www.recover.eu\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.recover.eu\/conseils\/comment-eviter-le-surendettement\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.recover.eu\/conseils\/comment-eviter-le-surendettement\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.recover.eu\/wp-content\/uploads\/2023\/05\/190.jpg\",\"datePublished\":\"2022-11-21T13:57:47+00:00\",\"dateModified\":\"2025-03-21T13:11:20+00:00\",\"description\":\"Stop au surendettement ! 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