[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.anexpc.cz\/jak-je-to-s-hypotekou-pokud-mate-insolvenci\/#Article","mainEntityOfPage":"https:\/\/www.anexpc.cz\/jak-je-to-s-hypotekou-pokud-mate-insolvenci\/","headline":"Jak je to s hypot\u00e9kou, pokud m\u00e1te insolvenci?","name":"Jak je to s hypot\u00e9kou, pokud m\u00e1te insolvenci?","description":"Insolvence se \u0159\u00edd\u00ed tzv. insolven\u010dn\u00edm z\u00e1konem \u010d. 182\/2006 Sb. O co se vlastn\u011b jedn\u00e1? Pokud m\u00e1 \u010dlov\u011bk dluhy, nej\u010dast\u011bji n\u011bkolik najednou, a nen\u00ed je schopn\u00fd spl\u00e1cet, m\u016f\u017ee v soudn\u00edm \u0159\u00edzen\u00ed po\u017e\u00e1dat o tzv. oddlu\u017een\u00ed. Oddlu\u017een\u00ed je v podstat\u011b v\u00fdhodn\u00e9 pro ob\u011b strany. Pom\u016f\u017ee dlu\u017e\u00edc\u00edmu \u010dlov\u011bku zvl\u00e1dnout jeho dluhy a dostane mo\u017enost za p\u00e1r let za\u010d\u00edt […]","datePublished":"2022-09-18","dateModified":"2022-09-18","author":{"@type":"Person","@id":"https:\/\/www.anexpc.cz\/author\/#Person","name":"","url":"https:\/\/www.anexpc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d7705a23c50ede72936119380238a88bdeb91030521f9262dc3abc6fdd8add33?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"anexpc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.anexpc.cz\/wp-content\/uploads\/pexels-mikhail-nilov-6963032_1.jpg","url":"https:\/\/www.anexpc.cz\/wp-content\/uploads\/pexels-mikhail-nilov-6963032_1.jpg","height":0,"width":0},"url":"https:\/\/www.anexpc.cz\/jak-je-to-s-hypotekou-pokud-mate-insolvenci\/","about":["Finance"],"wordCount":420,"articleBody":"   Insolvence se \u0159\u00edd\u00ed tzv. insolven\u010dn\u00edm z\u00e1konem \u010d. 182\/2006 Sb. O co se vlastn\u011b jedn\u00e1? Pokud m\u00e1 \u010dlov\u011bk dluhy, nej\u010dast\u011bji n\u011bkolik najednou, a nen\u00ed je schopn\u00fd spl\u00e1cet, m\u016f\u017ee v soudn\u00edm \u0159\u00edzen\u00ed po\u017e\u00e1dat o tzv. oddlu\u017een\u00ed. Oddlu\u017een\u00ed je v podstat\u011b v\u00fdhodn\u00e9 pro ob\u011b strany. Pom\u016f\u017ee dlu\u017e\u00edc\u00edmu \u010dlov\u011bku zvl\u00e1dnout jeho dluhy a dostane mo\u017enost za p\u00e1r let za\u010d\u00edt s \u010dist\u00fdm \u0161t\u00edtem. V\u0161ichni, kter\u00fdm dlu\u017e\u00ed pen\u00edze, dostanou ur\u010dit\u00e9 procento dlu\u017e\u00edc\u00ed \u010d\u00e1stky, pokud se v\u010das p\u0159ihl\u00e1s\u00ed jako v\u011b\u0159itel\u00e9. Insolvence m\u016f\u017ee trvat 5 let nebo 3 roky. Z\u00e1le\u017e\u00ed na v\u00fd\u0161i p\u0159\u00edjm\u016f dlu\u017en\u00edka a na jeho schopnosti spl\u00e1cet. Jak je to ale s hypot\u00e9kou nebo v\u0161eobecn\u011b financov\u00e1n\u00edm, pokud jde v insolven\u010dn\u00edm \u0159\u00edzen\u00ed?Banka v\u00e1m na 99 % neposkytne \u017e\u00e1dn\u00fd zp\u016fsob financov\u00e1n\u00ed, b\u011bhem toho, co jste v insolvenci. A na hypot\u00e9ku m\u016f\u017eete zapomenout na 100 %. Pro banku jste ned\u016fv\u011bryhodn\u00fd klient, kter\u00fd jist\u011b nebude m\u00edt na spl\u00e1cen\u00ed z\u00e1vazku hypot\u00e9ky, kdy\u017e je z\u0159ejm\u00e9, \u017ee ze sv\u00fdch p\u0159\u00edjm\u016f odv\u00e1d\u00ed podstatnou \u010d\u00e1st insolven\u010dn\u00edmu spr\u00e1vci, kter\u00fd se star\u00e1 o to, aby byli \u010d\u00e1stky rozprost\u0159eny mezi v\u011b\u0159itel\u00e9. Jestli tedy tou\u017e\u00edte po nov\u00e9m dom\u011b, byt\u011b nebo rekonstrukci, po dobu insolvence m\u00e1te sm\u016flu a nem\u00e1 smysl zkou\u0161et ani o hypot\u00e9ku nebo jin\u00fd \u00fav\u011br \u017e\u00e1dat.A co v obdob\u00ed po insolvenci? Pokud si n\u011bkdo mysl\u00ed, \u017ee mu soud ukon\u010d\u00ed insolvenci a on druh\u00fd den p\u016fjde do banky za\u017e\u00e1dat si o hypot\u00e9ku, m\u00e1 sm\u016flu. Z\u00e1znam o tom, \u017ee jste byli v insolven\u010dn\u00edm \u0159\u00edzen\u00ed, se bank\u00e1m bude v datab\u00e1zi ukazovat dal\u0161\u00edch p\u011bt let po skon\u010den\u00ed. St\u00e1le jste tedy pro banky ned\u016fv\u011bryhodn\u00fdmi, proto\u017ee jste v minulosti byli nespolehliv\u00fdmi pl\u00e1tci sv\u00fdch dluh\u016f. V prvn\u00edch letech nem\u00e1 smysl o hypot\u00e9ku \u017e\u00e1dat, proto\u017ee bude t\u00e9m\u011b\u0159 stoprocentn\u011b zam\u00edtnuta. Pokud to s va\u0161\u00ed hypot\u00e9kou velmi ho\u0159\u00ed, zkuste to posledn\u00ed rok, kdy v\u00e1m pob\u011b\u017e\u00ed \u010das, kdy jste zaps\u00e1n\u00ed http:\/\/hokejbal.cz\/extraliga\/clanky\/osmnactka-pokracuje-v%25C2%25A0priprave-na-mistrovstvi-sveta-sanci-dostanou-i-nove-tvare_id-5384.html  v datab\u00e1zi. Ale ned\u011blejte si velk\u00e9 nad\u011bje. Hypot\u00e9ku po insolvenci v\u00e1m mohou poskytnout nebankovn\u00ed spole\u010dnosti, ov\u0161em ani tehdy to nem\u00e1te stoprocentn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak je to s hypot\u00e9kou, pokud m\u00e1te insolvenci?","item":"https:\/\/www.anexpc.cz\/jak-je-to-s-hypotekou-pokud-mate-insolvenci\/#breadcrumbitem"}]}]