[{"@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. 4\/5 - (9 votes)","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\/p%C5%99ed%C3%A1n%C3%AD%20pen%C4%9Bz_6.jpg","url":"https:\/\/www.wattest.cz\/wp-content\/uploads\/p%C5%99ed%C3%A1n%C3%AD%20pen%C4%9Bz_6.jpg","height":0,"width":0},"url":"https:\/\/www.wattest.cz\/kdyz-jste-v-insolvenci-ale-potrebujte-penize\/","about":["Pen\u00edze"],"wordCount":422,"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.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (9 votes)        "},{"@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"}]}]