[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moramedica.cz\/pomocna-ruka-jmenem-konsolidace\/#Article","mainEntityOfPage":"https:\/\/www.moramedica.cz\/pomocna-ruka-jmenem-konsolidace\/","headline":"Pomocn\u00e1 ruka jm\u00e9nem konsolidace","name":"Pomocn\u00e1 ruka jm\u00e9nem konsolidace","description":"Jsou bohu\u017eel \u017eivotn\u00ed situace, kter\u00e9 n\u00e1m d\u00e1vaj\u00ed po\u0159\u00e1dn\u011b zabrat. Je pravdou, \u017ee ob\u010das si na pr\u016f\u0161vih zad\u011bl\u00e1v\u00e1me sami a to t\u00edm, \u017ee nechceme poslouchat rady t\u011bch, kte\u0159\u00ed to s n\u00e1mi mysl\u00ed dob\u0159e. Skoro ka\u017ed\u00fd v \u017eivot\u011b stoj\u00ed p\u0159ed volbou si zap\u016fj\u010dit pen\u00edze. Tak vy\u0159\u00eddit si prvn\u00ed \u00fav\u011br, pokud je \u010dlov\u011bk \u0159\u00e1dn\u011b zam\u011bstnan\u00fd a nem\u00e1 \u0161patnou bonitu, to nen\u00ed \u017e\u00e1dn\u00fd probl\u00e9m. […]","datePublished":"2018-09-19","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.moramedica.cz\/author\/#Person","name":"","url":"https:\/\/www.moramedica.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/418160ee289a2fec3674f670db35c39ff464fe73fac536520dac7def2cfdeb26?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/418160ee289a2fec3674f670db35c39ff464fe73fac536520dac7def2cfdeb26?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moramedica.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.moramedica.cz\/wp-content\/uploads\/img_a330078_w1697_t1542644722.jpg","url":"https:\/\/www.moramedica.cz\/wp-content\/uploads\/img_a330078_w1697_t1542644722.jpg","height":0,"width":0},"url":"https:\/\/www.moramedica.cz\/pomocna-ruka-jmenem-konsolidace\/","about":["Internet"],"wordCount":511,"articleBody":"      Jsou bohu\u017eel \u017eivotn\u00ed situace, kter\u00e9 n\u00e1m d\u00e1vaj\u00ed po\u0159\u00e1dn\u011b zabrat. Je pravdou, \u017ee ob\u010das si na pr\u016f\u0161vih zad\u011bl\u00e1v\u00e1me sami a to t\u00edm, \u017ee nechceme poslouchat rady t\u011bch, kte\u0159\u00ed to s n\u00e1mi mysl\u00ed dob\u0159e. Skoro ka\u017ed\u00fd v \u017eivot\u011b stoj\u00ed p\u0159ed volbou si zap\u016fj\u010dit pen\u00edze. Tak vy\u0159\u00eddit si prvn\u00ed \u00fav\u011br, pokud je \u010dlov\u011bk \u0159\u00e1dn\u011b zam\u011bstnan\u00fd a nem\u00e1 \u0161patnou bonitu, to nen\u00ed \u017e\u00e1dn\u00fd probl\u00e9m. P\u0159edev\u0161\u00edm pokud se bude t\u00fdkat \u010derp\u00e1n\u00ed spot\u0159ebn\u00edho \u00fav\u011bru nebo kr\u00e1tkodob\u00e9 p\u016fj\u010dky. Dokonce ani financov\u00e1n\u00ed automobilu a dal\u0161\u00edch podobn\u00fdch produkt\u016f nebude tak obt\u00ed\u017en\u00e9 jako vy\u0159\u00edzen\u00ed hypot\u00e9ky na koupi vlastn\u00edho bydlen\u00ed. Mo\u017en\u00e1 nebude probl\u00e9m si otev\u0159\u00edt n\u011bkolik produkt\u016f. Spot\u0159ebn\u00ed \u00fav\u011br, kreditn\u00ed karta, kontokorent a dal\u0161\u00ed r\u016fzn\u011b uzav\u0159en\u00e9 smlouvy jsou mo\u017en\u00e1 v\u00fdhodn\u00e9, ale pouze do t\u00e9 doby, ne\u017e se maj\u00ed v\u0161echny spl\u00e1cet. Najednou to p\u0159esv\u011bd\u010den\u00ed, \u017ee to p\u0159ece zvl\u00e1dneme hrav\u011b platit je r\u00e1zem pry\u010d. Ji\u017e nen\u00ed nikdo, kdo by pomohl. P\u016fj\u010dky, kter\u00e9 nedaj\u00ed sp\u00e1t Na vysok\u00e9 spl\u00e1tky v\u0161ech mo\u017en\u00fdch p\u016fj\u010dek nezab\u00edraj\u00ed \u017e\u00e1dn\u00e9 pr\u00e1\u0161ky na span\u00ed pro klidn\u00fd sp\u00e1nek. Je to tvrd\u00e1 realita, kterou mus\u00edme n\u011bjak\u00fdm zp\u016fsobem \u0159e\u0161it. A rozhodn\u011b to nebude tak, \u017ee uzav\u0159eme novou smlouvu na dal\u0161\u00ed nesmyslnou z\u00e1p\u016fj\u010dku. C\u00edl je jasn\u00fd, te\u010f se pot\u0159ebujeme n\u011bjak\u00fdm zp\u016fsobem nadechnout a p\u0159estat platit ty hrozn\u011b vysok\u00e9 \u00faroky, jeliko\u017e d\u00edky nim se v\u00fd\u0161e spl\u00e1tek n\u011bjak nesni\u017euje. Sta\u010d\u00ed tak m\u00e1lo, nav\u0161t\u00edvit banku, p\u0159\u00edpadn\u011b n\u011bjak\u00e9ho ov\u011b\u0159en\u00e9ho v\u011b\u0159itele, kter\u00fd n\u00e1m m\u016f\u017ee poskytnout slou\u010den\u00ed v\u0161ech dlu\u017en\u00fdch \u010d\u00e1stek. Tento proces se naz\u00fdv\u00e1 konsolidace p\u016fj\u010dek. Je to skute\u010dn\u00e9 \u0159e\u0161en\u00ed a l\u00e9k na na\u0161e tr\u00e1pen\u00ed. Sn\u00ed\u017e\u00edme t\u00edm na\u0161e astronomick\u00e9 spl\u00e1tky, t\u00edm sn\u00ed\u017e\u00edme v\u00fddaje a skute\u010dn\u011b u\u0161et\u0159\u00edme mnoho pen\u011bz.Jak\u00fd je postup? – Je nutno vyhledat v\u011b\u0159itele a s n\u00edm probrat svoji situaci. Pokud m\u00e1me \u0161patnou bonitu, mal\u00fd p\u0159\u00edjem nebo jinou p\u0159ek\u00e1\u017eku, tak bohu\u017eel nemus\u00edme u bankovn\u00edho \u00fa\u0159adu obst\u00e1t, to ale neznamen\u00e1 se vzd\u00e1vat, ale hledat d\u00e1l. Vyj\u00edt vst\u0159\u00edc m\u016f\u017ee i nebankovn\u00ed subjekt. – V\u011b\u0159itel po domluv\u011b zaplat\u00ed v\u0161echny na\u0161e otev\u0159en\u00e9 p\u016fj\u010dky a \u00fav\u011bry, t\u00edm dojde k jejich \u00fapln\u00e9mu zaplacen\u00ed. – M\u016f\u017ee se tak \u010dlov\u011bk vyplatit i z exekuce. – Na n\u00e1s je pak si domluvit jednu platbu, kter\u00e1 bude \u00fanosn\u00e1 pro n\u00e1\u0161 rodinn\u00fd finan\u010dn\u00ed rozpo\u010det. – Hlavn\u011b se ji\u017e nikdy nedostat do takov\u00fdch probl\u00e9m\u016f, a\u010dkoliv v\u011bt\u0161ina lid\u00ed se z takov\u00fdch situac\u00ed ponau\u010d\u00ed, nen\u00ed nad osobn\u00ed zku\u0161enost.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pomocn\u00e1 ruka jm\u00e9nem konsolidace","item":"https:\/\/www.moramedica.cz\/pomocna-ruka-jmenem-konsolidace\/#breadcrumbitem"}]}]