[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.digitalweb.cz\/osobni-bankrot\/#Article","mainEntityOfPage":"https:\/\/www.digitalweb.cz\/osobni-bankrot\/","headline":"Osobn\u00ed bankrot","name":"Osobn\u00ed bankrot","description":"Jenom b\u011bhem lo\u0148sk\u00e9ho roku bylo zah\u00e1jeno v\u00edce ne\u017e osm set\u00a0 tis\u00edc exeku\u010dn\u00edch \u0159\u00edzen\u00ed, co\u017e je o sto tis\u00edc v\u00edce, ne\u017e bylo rok p\u0159edt\u00edm. A jak\u00e1 je pr\u016fm\u011brn\u011b vym\u00e1han\u00e1 \u010d\u00e1stka? Letos se pohybuje okolo sedmdes\u00e1ti tis\u00edc korun. Co je na vin\u011b? –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nezodpov\u011bdnost klient\u016f pln\u011bn\u00ed z\u00e1vazk\u016f ve smlouv\u00e1ch s\u00a0bankami –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Tzv. mikrop\u016fj\u010dky –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nedostate\u010dn\u00e1 finan\u010dn\u00ed gramotnost […]","datePublished":"2023-04-28","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.digitalweb.cz\/author\/#Person","name":"digitalweb.cz\n","url":"https:\/\/www.digitalweb.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2dfb47fe8ef5e1795dc8fdf9fc01f7f6e0de0c5b588d6a35abd2f00b6a65d2be?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"digitalweb.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.digitalweb.cz\/osobni-bankrot\/","about":["Pen\u00edze"],"wordCount":428,"articleBody":"Jenom b\u011bhem lo\u0148sk\u00e9ho roku bylo zah\u00e1jeno v\u00edce ne\u017e osm set\u00a0 tis\u00edc exeku\u010dn\u00edch \u0159\u00edzen\u00ed, co\u017e je o sto tis\u00edc v\u00edce, ne\u017e bylo rok p\u0159edt\u00edm. A jak\u00e1 je pr\u016fm\u011brn\u011b vym\u00e1han\u00e1 \u010d\u00e1stka? Letos se pohybuje okolo sedmdes\u00e1ti tis\u00edc korun.Co je na vin\u011b? –\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nezodpov\u011bdnost klient\u016f pln\u011bn\u00ed z\u00e1vazk\u016f ve smlouv\u00e1ch s\u00a0bankami–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Tzv. mikrop\u016fj\u010dky–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Nedostate\u010dn\u00e1 finan\u010dn\u00ed gramotnost \u010desk\u00e9 spole\u010dnostiVyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu Je\u0161t\u011b p\u0159ed n\u011bkolika lety by se dlu\u017en\u00edci za osobn\u00ed bankrot styd\u011bli, dnes u\u017e tolik ne. Posledn\u00ed roky se dlu\u017en\u00edci chytaj\u00ed osobn\u00edho bankrotu jako st\u00e9bla tr\u00e1vy, jeliko\u017e to znamen\u00e1 konec zadlu\u017eov\u00e1n\u00ed a kone\u010dn\u011b mo\u017enost n\u011bco za\u010d\u00edt \u0159e\u0161it.\t\tCo to je osobn\u00ed bankrot–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u0158\u00edk\u00e1 se mu tak\u00e9 oddlu\u017een\u00ed. Ve sv\u00e9 podstat\u011b to znamen\u00e1, \u017ee pomoc\u00ed osobn\u00edho bankrotu fyzick\u00e9 osoby dok\u00e1\u017eete vy\u0159e\u0161it sv\u00e9 dluhy, a to pomoc\u00ed tzv. spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Tento osobn\u00ed bankrot ov\u0161em mus\u00ed povolit soud, a k\u00a0tomu mus\u00ed dlu\u017en\u00edk m\u00edt pr\u00e1ci na dobu neur\u010ditou–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Tak\u00e9 mus\u00ed dlu\u017en\u00edk poskytnout z\u00e1ruku, \u017ee je schopen a ochoten spl\u00e1cet p\u0159esn\u011b podle spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e dlu\u017enou \u010d\u00e1stku–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Do p\u011bti let mus\u00ed zaplatit alespo\u0148 t\u0159icet procent z\u00a0\u010d\u00e1stky, kterou dlu\u017e\u00ed–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Dokud m\u00e1 na sebe \u010dlov\u011bk vyhl\u00e1\u0161en\u00fd osobn\u00ed bankrot, mus\u00ed si vysta\u010dit pouze s\u00a0\u010d\u00e1stkou minim\u00e1ln\u00edho \u017eivotn\u00edho minima, kter\u00e9 se \u0159\u00edk\u00e1 nezabaviteln\u00e1 \u010d\u00e1stka–\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Tato \u010d\u00e1stka se lidem automaticky ode\u010d\u00edt\u00e1 z\u00a0jejich platu, tak\u017ee dlu\u017en\u00edci nemaj\u00ed starosti se spl\u00e1cen\u00edm a pos\u00edl\u00e1n\u00edm pen\u011bz na n\u011bjak\u00e9 \u00fa\u010dtyO osobn\u00ed bankrot si mohou dlu\u017en\u00edci v\u00a0\u010desk\u00e9 republice po\u017e\u00e1dat od ledna roku 2008, d\u00e1 se \u0159\u00edct, \u017ee osobn\u00ed bankrot je na \u010desk\u00e9m finan\u010dn\u00edm trhu st\u00e1le je\u0161t\u011b novinkou.\t\tLid\u00e9 jsou si v\u011bdomi dluhov\u00e9 pastiPr\u016fzkum spole\u010dnosti \u010cesk\u00e1 spo\u0159itelna uk\u00e1zal, \u017ee lid\u00e9 si jsou v\u011bdomi toho, \u017ee \u017e\u00e1dost o \u00fav\u011br m\u016f\u017ee b\u00fdt spojen\u00e1 s tzv. dluhovou past\u00ed, kdy si \u010dlov\u011bk bere dal\u0161\u00ed \u00fav\u011br, aby splatil ten prvn\u00ed a tak se dost\u00e1v\u00e1 do nekone\u010dn\u00e9ho koloto\u010de, kter\u00fd nikdy nekon\u010d\u00ed dob\u0159e. Vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu je \u0159e\u0161en\u00ed pro lidi, kte\u0159\u00ed u\u017e skute\u010dn\u011b nev\u011bd\u00ed, jak si jinak se sv\u00fdmi dluhy poradit.                                                                                                                                                                                                                                                                                                                                                                                         4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Osobn\u00ed bankrot","item":"https:\/\/www.digitalweb.cz\/osobni-bankrot\/#breadcrumbitem"}]}]