[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.koeko.cz\/insolvence-jasne-a-jednoduse\/#Article","mainEntityOfPage":"https:\/\/www.koeko.cz\/insolvence-jasne-a-jednoduse\/","headline":"Insolvence jasn\u011b a jednodu\u0161e","name":"Insolvence jasn\u011b a jednodu\u0161e","description":"\u010c\u00edsla mluv\u00ed jasn\u011b. Ke konci minul\u00e9ho roku se zjistilo, \u017ee celkov\u00fd dluh obyvatel v \u010cesk\u00e9 republice dosahuje neuv\u011b\u0159iteln\u00e9 \u010d\u00e1stky 2,45 bilionu korun \u010desk\u00fdch. Vyd\u011bl\u00edme-li si toto \u010d\u00edslo celkov\u00fdm po\u010dtem obyvatel, … ","datePublished":"2020-05-17","dateModified":"2020-05-17","author":{"@type":"Person","@id":"https:\/\/www.koeko.cz\/author\/#Person","name":"","url":"https:\/\/www.koeko.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"koeko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.koeko.cz\/wp-content\/uploads\/Pen%C4%9B%C5%BEenka%20s%20metrem.jpg","url":"https:\/\/www.koeko.cz\/wp-content\/uploads\/Pen%C4%9B%C5%BEenka%20s%20metrem.jpg","height":0,"width":0},"url":"https:\/\/www.koeko.cz\/insolvence-jasne-a-jednoduse\/","about":["Pen\u00edze"],"wordCount":595,"articleBody":"   \u010c\u00edsla mluv\u00ed jasn\u011b. Ke konci minul\u00e9ho roku se zjistilo, \u017ee celkov\u00fd dluh obyvatel v \u010cesk\u00e9 republice dosahuje neuv\u011b\u0159iteln\u00e9 \u010d\u00e1stky 2,45 bilionu korun \u010desk\u00fdch. Vyd\u011bl\u00edme-li si toto \u010d\u00edslo celkov\u00fdm po\u010dtem obyvatel, vych\u00e1z\u00ed n\u00e1m, \u017ee na ka\u017ed\u00e9ho obyvatele p\u0159ipad\u00e1 dluh p\u0159ibli\u017en\u011b ve v\u00fd\u0161i 230 tis\u00edc korun. To nen\u00ed zrovna m\u00e1lo co \u0159\u00edk\u00e1te? Pozitivn\u00ed zpr\u00e1vou bylo, \u017ee klesl nespl\u00e1cen\u00fd dluh, kter\u00fd \u010din\u00ed p\u0159ibli\u017en\u011b 30,9 miliardy korun.Tyto fakty tedy jasn\u011b dokazuj\u00ed, \u017ee p\u016fj\u010dov\u00e1n\u00ed pen\u011bz a hypot\u00e9ky jsou dnes ka\u017edodenn\u00edm chlebem. Pravdou, kterou ov\u0161em mus\u00edme vz\u00edt v potaz je, \u017ee jedn\u00e1-li se o b\u011b\u017en\u011b pracuj\u00edc\u00edho ob\u010dana, kter\u00fd by si cht\u011bl nap\u0159\u00edklad postavit rodinn\u00fd d\u016fm, nem\u00e1 t\u00e9m\u011b\u0159 \u017e\u00e1dnou \u0161anci si jej postavit bez toho, ani\u017e by si hypot\u00e9ku vzal. Probl\u00e9m nast\u00e1v\u00e1 ve chv\u00edli, jedn\u00e1-li se o \u010dlov\u011bka, kter\u00fd nad p\u016fj\u010dov\u00e1n\u00edm pen\u011bz nep\u0159em\u00fd\u0161l\u00ed a s n\u00e1sledn\u00fdm spl\u00e1cen\u00edm si ned\u011bl\u00e1 hlavu. Tito lid\u00e9 se pak velice \u010dasto dost\u00e1vaj\u00ed do takzvan\u00e9 dluhov\u00e9 pasti, kdy si za\u010dnou p\u016fj\u010dovat pen\u00edze na to, aby mohli spl\u00e1cet dluh jin\u00fd. Jak jist\u011b v\u00edte, jedn\u00e1 se o nekone\u010dn\u00fd koloto\u010d.V tomto p\u0159\u00edpad\u011b se velice \u010dasto za\u010d\u00edn\u00e1 sklo\u0148ovat pojem insolvence neboli osobn\u00ed bankrot. K t\u00e9to mo\u017enosti se p\u0159istupuje v p\u0159\u00edpad\u011b, kter\u00fd jsem ji\u017e nast\u00ednila, tedy kdy\u017e m\u00e1 dlu\u017en\u00edk v\u00edce v\u011b\u0159itel\u016f, kter\u00fdm ji\u017e nen\u00ed schopen tyto z\u00e1vazky plnit. V t\u00e9to f\u00e1zi doch\u00e1z\u00ed k pod\u00e1n\u00ed insolven\u010dn\u00edho n\u00e1vrhu, kter\u00fdm se zahajuje insolven\u010dn\u00ed \u0159\u00edzen\u00ed u soudu, je\u017e m\u00e1 pomoci jak dlu\u017en\u00edkovi, kter\u00fd se zbav\u00ed sv\u00fdch dluh\u016f, tak jeho v\u011b\u0159itel\u016fm, je\u017e mohou m\u00edt radost z toho, \u017ee uvid\u00ed alespo\u0148 \u010d\u00e1st ze sv\u00fdch pen\u011bz. N\u00e1vrh tak m\u016f\u017ee podat jak dlu\u017en\u00edk, tak jeho v\u011b\u0159itel\u00e9. Soudem je pot\u00e9 dlu\u017en\u00edkovi stanoven insolven\u010dn\u00ed spr\u00e1vce, jen\u017e sestavuje p\u0159ehled v\u0161ech dlu\u017en\u00edkov\u00fdch v\u011b\u0159itel\u016f a pohled\u00e1vek, doporu\u010d\u00ed zp\u016fsob, kter\u00fdm bude oddlu\u017een\u00ed provedeno, hospoda\u0159\u00ed s majetkem dlu\u017en\u00edka a dohl\u00ed\u017e\u00ed na to, aby byli v\u011b\u0159itel\u00e9 co nejv\u00edce uspokojeni.Oddlu\u017een\u00ed https:\/\/www.fahd.cz\/oddluzeni\/ m\u016f\u017ee m\u00edt dva zp\u016fsoby. Prvn\u00edm je tzv. zpen\u011b\u017een\u00ed majetkov\u00e9 podstaty. Jedn\u00e1 se o p\u0159eveden\u00ed ve\u0161ker\u00e9ho stanoven\u00e9ho majetku na pen\u00edze, kter\u00e9 se rozd\u011bl\u00ed v\u011b\u0159itel\u016fm. Druhou mo\u017enost\u00ed je sestaven\u00ed spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e se zpen\u011b\u017een\u00edm majetkov\u00e9 podstaty. Spl\u00e1tkov\u00fd kalend\u00e1\u0159 je stanoven na dobu 3-5 let. B\u011bhem t\u00e9to doby pak dlu\u017en\u00edk ka\u017ed\u00fd m\u011bs\u00edc odevzd\u00e1v\u00e1 p\u0159edem smluvenou \u010d\u00e1stku.Konec insolvence m\u016f\u017ee m\u00edt tak\u00e9 hned n\u011bkolik podob, kter\u00e9 z\u00e1le\u017e\u00ed \u010dist\u011b na dlu\u017en\u00edkovi. M\u016f\u017ee se st\u00e1t, \u017ee dlu\u017en\u00edk obdr\u017e\u00ed ne\u010dekan\u00e9 finance a dluh splat\u00ed v pln\u00e9 v\u00fd\u0161i. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se tomu tak ale ned\u011bje a insolvence kon\u010d\u00ed po dob\u011b 3 nebo 5 let i kdy\u017e nebyl cel\u00fd dluh splacen. Jde-li ale o \u010dlov\u011bka, je\u017e nem\u00e1 snahu se sv\u00fdch dluh\u016f zbavit, nad\u00e1le je neplat\u00ed nebo se st\u00e1le v\u00edce a v\u00edce zadlu\u017euje, insolvence nem\u00e1 \u017e\u00e1dn\u00fd smysl a je ukon\u010dena.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Insolvence jasn\u011b a jednodu\u0161e","item":"https:\/\/www.koeko.cz\/insolvence-jasne-a-jednoduse\/#breadcrumbitem"}]}]