[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wattest.cz\/kdyz-jste-v-insolvenci-ale-potrebujte-penize\/#Article","mainEntityOfPage":"https:\/\/www.wattest.cz\/kdyz-jste-v-insolvenci-ale-potrebujte-penize\/","headline":"Kdy\u017e jste v insolvenci, ale pot\u0159ebujte pen\u00edze.","name":"Kdy\u017e jste v insolvenci, ale pot\u0159ebujte pen\u00edze.","description":"Panu F. se neda\u0159ilo v podnik\u00e1n\u00ed a kv\u016fli sv\u00fdm dluh\u016fm nakonec za\u017e\u00e1dal o insolven\u010dn\u00ed \u0159\u00edzen\u00ed. V\u00fdsledek byl uspokojiv\u00fd, \u010d\u00e1st dluhu splatil a \u010d\u00e1st mu byla odpu\u0161t\u011bna. Te\u010f by se r\u00e1d vr\u00e1til ke sv\u00e9mu podnik\u00e1n\u00ed, ale pot\u0159eboval by p\u016fj\u010dit pen\u00edze do za\u010d\u00e1tku. Nen\u00ed nemo\u017en\u00e9 z\u00edskat hypot\u00e9ku po insolvenci. Americk\u00e1 hypot\u00e9ka nebo chcete-li hypot\u00e9ka bez registr\u016f nab\u00edz\u00ed mo\u017enost, jak z\u00edskat pen\u00edze i p\u0159es to, \u017ee m\u00e1te z\u00e1znam v registrech dlu\u017en\u00edk\u016f. D\u016fle\u017eit\u00e9 je, jestli jste schopni sv\u00e9 dluhy \u0159e\u0161it a \u0159\u00e1dn\u011b spl\u00e1cet. Pan F. si podal \u017e\u00e1dost o hypot\u00e9ku bez registr\u016f a p\u0159i osobn\u00edm setk\u00e1n\u00ed dolo\u017eil pot\u0159ebn\u00e9 doklady. Finan\u010dn\u00ed zprost\u0159edkovatel si prov\u011b\u0159il z\u00e1znamy v registrech, mo\u017enosti spl\u00e1cen\u00ed \u00fav\u011bru a vlastnictv\u00ed nemovitosti, kterou je t\u0159eba se zaru\u010dit a na z\u00e1klad\u011b zji\u0161t\u011bn\u00fdch \u00fadaj\u016f vystavil panu F. smlouvu na m\u00edru. Nejvy\u0161\u0161\u00ed mo\u017enou \u010d\u00e1stku mohl z\u00edskat a\u017e do 70% hodnoty nemovitosti, kterou se zaru\u010dil. Pokud by pan F. nepot\u0159eboval pen\u00edze k podnik\u00e1n\u00ed, ale jako soukrom\u00e1 osoba, z\u00edskal by nebankovn\u00ed hypot\u00e9ku. I zde se nahl\u00ed\u017e\u00ed do registr\u016f dlu\u017en\u00edk\u016f. Pokud by se stalo a v\u00fd\u0161e jeho p\u0159\u00edjm\u016f by byla nedosta\u010duj\u00edc\u00ed na spl\u00e1tky d\u0159\u00edv\u011bj\u0161\u00edch \u00fav\u011br\u016f, bylo by mo\u017en\u00e9 spl\u00e1tky slou\u010dit do jedn\u00e9, tzv. konsolidovat, a spl\u00e1cet pravideln\u011b men\u0161\u00ed obnos ne\u017e p\u0159ed t\u00edm. Pokud by ani to nesta\u010dilo, jde je\u0161t\u011b vyu\u017e\u00edt slu\u017eba spoludlu\u017en\u00edka, kdy se zaru\u010d\u00ed druh\u00e1 osoba, \u017ee pokryje nemo\u017enost \u017eadatele spl\u00e1cet. U nebankovn\u00edch \u00fav\u011br\u016f je t\u0159eba po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou, ne\u017e u bankovn\u00edch. S t\u00edm po\u010d\u00edtal i pan F., ale byl p\u0159\u00edjemn\u011b p\u0159ekvapen, \u017ee nebyla tak vysok\u00e1, jak o\u010dek\u00e1val. B\u011b\u017en\u011b se pohybuj\u00ed od 3 do 10%, s t\u00edm, \u017ee ni\u017e\u0161\u00ed m\u00edru z\u00edsk\u00e1vaj\u00ed ti, kte\u0159\u00ed maj\u00ed jen drobn\u00fd z\u00e1znam v registrech a dolo\u017e\u00ed dostate\u010dn\u00fd pravideln\u00fd p\u0159\u00edjem. Tedy ti, kte\u0159\u00ed se jev\u00ed jako bezprobl\u00e9mov\u00ed klienti. S nov\u011b z\u00edskan\u00fdmi prost\u0159edky mohl pan F. op\u011bt za\u010d\u00edt podnikat, tak mu dr\u017eme palce, a\u0165 se mu s jinou strategi\u00ed da\u0159\u00ed m\u00edt dostate\u010dn\u00fd zisk na pokryt\u00ed spl\u00e1tek \u00fav\u011bru.","datePublished":"2022-02-14","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.wattest.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.wattest.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/80bc9a30a8183589d38927f3b57d5a9aa763777ca2942415b346d54d020a9840?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wattest.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wattest.cz\/wp-content\/uploads\/art421075_1x1_20260926_230535_s6yjKi.jpg","url":"https:\/\/www.wattest.cz\/wp-content\/uploads\/art421075_1x1_20260926_230535_s6yjKi.jpg","height":0,"width":0},"url":"https:\/\/www.wattest.cz\/kdyz-jste-v-insolvenci-ale-potrebujte-penize\/","about":["Pen\u00edze"],"wordCount":420,"articleBody":"       Panu F. se neda\u0159ilo v podnik\u00e1n\u00ed a kv\u016fli sv\u00fdm dluh\u016fm nakonec za\u017e\u00e1dal o insolven\u010dn\u00ed \u0159\u00edzen\u00ed. V\u00fdsledek byl uspokojiv\u00fd, \u010d\u00e1st dluhu splatil a \u010d\u00e1st mu byla odpu\u0161t\u011bna. Te\u010f by se r\u00e1d vr\u00e1til ke sv\u00e9mu podnik\u00e1n\u00ed, ale pot\u0159eboval by p\u016fj\u010dit pen\u00edze do za\u010d\u00e1tku. Nen\u00ed nemo\u017en\u00e9 z\u00edskat hypot\u00e9ku po insolvenci. Americk\u00e1 hypot\u00e9ka nebo chcete-li hypot\u00e9ka bez registr\u016f nab\u00edz\u00ed mo\u017enost, jak z\u00edskat pen\u00edze i p\u0159es to, \u017ee m\u00e1te z\u00e1znam v registrech dlu\u017en\u00edk\u016f. D\u016fle\u017eit\u00e9 je, jestli jste schopni sv\u00e9 dluhy \u0159e\u0161it a \u0159\u00e1dn\u011b spl\u00e1cet. Pan F. si podal \u017e\u00e1dost o hypot\u00e9ku bez registr\u016f a p\u0159i osobn\u00edm setk\u00e1n\u00ed dolo\u017eil pot\u0159ebn\u00e9 doklady. Finan\u010dn\u00ed zprost\u0159edkovatel si prov\u011b\u0159il z\u00e1znamy v registrech, mo\u017enosti spl\u00e1cen\u00ed \u00fav\u011bru a vlastnictv\u00ed nemovitosti, kterou je t\u0159eba se zaru\u010dit a na z\u00e1klad\u011b zji\u0161t\u011bn\u00fdch \u00fadaj\u016f vystavil panu F. smlouvu na m\u00edru. Nejvy\u0161\u0161\u00ed mo\u017enou \u010d\u00e1stku mohl z\u00edskat a\u017e do 70% hodnoty nemovitosti, kterou se zaru\u010dil. Pokud by pan F. nepot\u0159eboval pen\u00edze k podnik\u00e1n\u00ed, ale jako soukrom\u00e1 osoba, z\u00edskal by nebankovn\u00ed hypot\u00e9ku. I zde se nahl\u00ed\u017e\u00ed do registr\u016f dlu\u017en\u00edk\u016f. Pokud by se stalo a v\u00fd\u0161e jeho p\u0159\u00edjm\u016f by byla nedosta\u010duj\u00edc\u00ed na spl\u00e1tky d\u0159\u00edv\u011bj\u0161\u00edch \u00fav\u011br\u016f, bylo by mo\u017en\u00e9 spl\u00e1tky slou\u010dit do jedn\u00e9, tzv. konsolidovat, a spl\u00e1cet pravideln\u011b men\u0161\u00ed obnos ne\u017e p\u0159ed t\u00edm. Pokud by ani to nesta\u010dilo, jde je\u0161t\u011b vyu\u017e\u00edt slu\u017eba spoludlu\u017en\u00edka, kdy se zaru\u010d\u00ed druh\u00e1 osoba, \u017ee pokryje nemo\u017enost \u017eadatele spl\u00e1cet.  U nebankovn\u00edch \u00fav\u011br\u016f je t\u0159eba po\u010d\u00edtat s vy\u0161\u0161\u00ed \u00farokovou sazbou, ne\u017e u bankovn\u00edch. S t\u00edm po\u010d\u00edtal i pan F., ale byl p\u0159\u00edjemn\u011b p\u0159ekvapen, \u017ee nebyla tak vysok\u00e1, jak o\u010dek\u00e1val. B\u011b\u017en\u011b se pohybuj\u00ed od 3 do 10%, s t\u00edm, \u017ee ni\u017e\u0161\u00ed m\u00edru z\u00edsk\u00e1vaj\u00ed ti, kte\u0159\u00ed maj\u00ed jen drobn\u00fd z\u00e1znam v registrech a dolo\u017e\u00ed dostate\u010dn\u00fd pravideln\u00fd p\u0159\u00edjem. Tedy ti, kte\u0159\u00ed se jev\u00ed jako bezprobl\u00e9mov\u00ed klienti. S nov\u011b z\u00edskan\u00fdmi prost\u0159edky mohl pan F. op\u011bt za\u010d\u00edt podnikat, tak mu dr\u017eme palce, a\u0165 se mu s jinou strategi\u00ed da\u0159\u00ed m\u00edt dostate\u010dn\u00fd zisk na pokryt\u00ed spl\u00e1tek \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy\u017e jste v insolvenci, ale pot\u0159ebujte pen\u00edze.","item":"https:\/\/www.wattest.cz\/kdyz-jste-v-insolvenci-ale-potrebujte-penize\/#breadcrumbitem"}]}]