{"id":7804,"date":"2022-09-19T13:48:16","date_gmt":"2022-09-19T11:48:16","guid":{"rendered":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/?p=7804"},"modified":"2023-02-14T13:10:46","modified_gmt":"2023-02-14T12:10:46","slug":"kdyz-prijmy-nestaci-na-splaceni-dluhu","status":"publish","type":"post","link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/kdyz-prijmy-nestaci-na-splaceni-dluhu\/","title":{"rendered":"Kdy\u017e p\u0159\u00edjmy nesta\u010d\u00ed na spl\u00e1cen\u00ed dluh\u016f&#8230;"},"content":{"rendered":"\n<p>Pokud v\u00e1m skon\u010dila fixace \u00farokov\u00e9 sazby a nov\u00fd \u00farok v\u00e1m zv\u00fd\u0161il spl\u00e1tku hypot\u00e9ky na v\u00edc, ne\u017e jste m\u011bli doposud nebo jste p\u0159i\u0161li o pr\u00e1ci a hled\u00e1te nov\u00e9 pracovn\u00ed uplatn\u011bn\u00ed, jsou tu mo\u017enosti, jak rodinn\u00e9mu rozpo\u010dtu ulevit. <\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Restrukturalizace \u00fav\u011bru formou odkladu spl\u00e1tek<\/h2>\n\n\n\n<p>Pokud v\u00edte, \u017ee se do\u010dasn\u011b zhor\u0161\u00ed va\u0161e finan\u010dn\u00ed situace nap\u0159\u00edklad z&nbsp;d\u016fvodu v\u00fdpov\u011bdi ze zam\u011bstn\u00e1n\u00ed, hospitalizace nebo z&nbsp;jin\u00e9ho d\u016fvodu a nem\u00e1te sjednan\u00e9<a href=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/pojisteni-neschopnosti-splacet-ma-smysl\/\" title=\"Poji\u0161t\u011bn\u00ed neschopnosti spl\u00e1cet- m\u00e1 smysl (?)\"> poji\u0161t\u011bn\u00ed schopnosti spl\u00e1cet<\/a>, kter\u00e9 by jinak tento v\u00fdpadek p\u0159\u00edjm\u016f zpravidla pokrylo, pak je tu mo\u017enost banku po\u017e\u00e1dat o do\u010dasn\u00fd odklad spl\u00e1tek.<\/p>\n\n\n\n<p><strong>Jak\u00e9 jsou zpravidla podm\u00ednky odkladu spl\u00e1tek:<\/strong><\/p>\n\n\n\n<ul><li>Odklad spl\u00e1tky (jistiny i \u00faroku) maxim\u00e1ln\u011b na 6 m\u011bs\u00edc\u016f<\/li><li>Nesm\u00edte b\u00fdt v&nbsp;exeku\u010dn\u00edm \u0159\u00edzen\u00ed a nen\u00ed proti v\u00e1m vedeno insolven\u010dn\u00ed \u0159\u00edzen\u00ed<\/li><li>Jistinu za\u010dnete spl\u00e1cet po ukon\u010den\u00ed odkladu a \u00farok pak a\u017e ke konci splatnosti \u00fav\u011bru<\/li><li>Odkladem spl\u00e1tek dojde k&nbsp;prodlou\u017een\u00ed splatnosti \u00fav\u011bru a celkov\u00e1 splatn\u00e1 \u010d\u00e1stka se tak adekv\u00e1tn\u011b zv\u00fd\u0161\u00ed<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Restrukturalizace formou sn\u00ed\u017een\u00ed spl\u00e1tek<\/h2>\n\n\n\n<p>Tuto mo\u017enost je vhodn\u00e9 vyu\u017e\u00edt &nbsp;v&nbsp;p\u0159\u00edpad\u011b, kdy nelze \u00fav\u011br standardn\u011b refinancovat, o\u010dek\u00e1v\u00e1te dlouhodob\u00fd pokles va\u0161ich p\u0159\u00edjm\u016f nebo naopak zv\u00fd\u0161en\u00ed dlouhodob\u00fdch v\u00fddaj\u016f (nap\u0159\u00edklad zv\u00fd\u0161en\u00e9 z\u00e1lohy na slu\u017eby, n\u00e1klady na l\u00e9\u010dbu, nebo jin\u00e9 v\u00fddaje).<\/p>\n\n\n\n<p><strong>Jak\u00e9 jsou zpravidla podm\u00ednky pro sn\u00ed\u017een\u00ed spl\u00e1tek:<\/strong><\/p>\n\n\n\n<ul><li>Sn\u00ed\u017een\u00ed spl\u00e1tky se vztahuje pro celou dobu splatnosti \u00fav\u011bru<\/li><li>Ke sn\u00ed\u017een\u00ed spl\u00e1tek dojde prodlou\u017een\u00edm celkov\u00e9 doby splatnosti \u00fav\u011bru<\/li><li>Celkov\u00e1 splatnost \u00fav\u011bru se \u0159\u00edd\u00ed vnit\u0159n\u00ed metodikou dan\u00e9 banky a zohled\u0148uje tzv. v\u00fdstupn\u00ed v\u011bk, kter\u00fd je zpravidla maxim\u00e1ln\u011b 70let;<\/li><li>Nesm\u00edte b\u00fdt v&nbsp;exeku\u010dn\u00edm \u0159\u00edzen\u00ed a nen\u00ed proti v\u00e1m vedeno insolven\u010dn\u00ed \u0159\u00edzen\u00ed<\/li><li>Jistinu za\u010dnete spl\u00e1cet po ukon\u010den\u00ed odkladu a \u00farok pak a\u017e ke konci splatnosti \u00fav\u011bru<\/li><li>Odkladem spl\u00e1tek dojde k&nbsp;prodlou\u017een\u00ed splatnosti \u00fav\u011bru a celkov\u00e1 splatn\u00e1 \u010d\u00e1stka se tak adekv\u00e1tn\u011b zv\u00fd\u0161\u00ed<\/li><\/ul>\n\n\n\n<p><strong>Upozorn\u011bn\u00ed:<\/strong> ob\u011b tyto zm\u00edn\u011bn\u00e9 mo\u017enosti maj\u00ed za n\u00e1sledek <strong>z\u00e1pis negativn\u00edho z\u00e1znamu do bankovn\u00edho registru, kter\u00fd v&nbsp;registru z\u016fst\u00e1v\u00e1 po celou dobu splatnosti \u00fav\u011bru a n\u00e1sledn\u011b v\u00e1m na dobu minim\u00e1ln\u011b 4 let po ukon\u010den\u00ed splacen\u00ed \u00fav\u011bru<\/strong> uzav\u0159e cestu k&nbsp;jin\u00e9mu \u00fav\u011brov\u00e9mu financov\u00e1n\u00ed. Proto tyto kroky pe\u010dliv\u011b zva\u017ete.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pomoc rodiny<\/h2>\n\n\n\n<p>Nemovitost spole\u010dn\u011b hypot\u00e9kou nebo jen hypote\u010dn\u00ed \u00fav\u011br <strong>je mo\u017en\u00e9 p\u0159ev\u00e9st na rodinn\u00e9ho p\u0159\u00edslu\u0161n\u00edka <\/strong>(nej\u010dast\u011bji na d\u011bti; p\u0159evod lze prov\u00e9st tak\u00e9 <strong>i na jinou osobu<\/strong>, ne\u017e je \u010dlen rodiny). Takov\u00e1 zm\u011bna je mo\u017en\u00e1 za p\u0159edpokladu, \u017ee nov\u00fd dlu\u017en\u00edk bude spl\u0148ovat podm\u00ednky banky (p\u0159edev\u0161\u00edm n\u00e1roky na bonitu) a banka ud\u011bl\u00ed souhlas s\u00a0touto zm\u011bnou.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"mailto:hypoteky@mskarydkova.cz\" style=\"background-color:#c6b477\">chci pomoci s p\u0159evodem smlouvy<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Pomoc od st\u00e1tu<\/h2>\n\n\n\n<p>O st\u00e1tn\u00ed <strong>p\u0159\u00edsp\u011bvek na bydlen\u00ed<\/strong> je mo\u017en\u00e9 po\u017e\u00e1dat tehdy, pokud jste n\u00e1jemn\u00edkem (i podn\u00e1jemn\u00edkem) nebo vlastn\u00edkem nemovitosti (rodinn\u00fd d\u016fm, bytov\u00e1 jednotka nebo chata) a va\u0161e celkov\u00e9 normativn\u00ed n\u00e1klady p\u0159evy\u0161uj\u00ed 30% (v Praze 35%) z&nbsp;celkov\u00e9ho \u010dist\u00e9ho p\u0159\u00edjmu dom\u00e1cnosti. Od 1.10.2022 nov\u011b plat\u00ed, \u017ee p\u0159\u00edjmy dom\u00e1cnosti a jej\u00ed n\u00e1klady na dom\u00e1cnost se budou u \u017e\u00e1dosti prokazovat jen dvakr\u00e1t ro\u010dn\u011b (ne ka\u017ed\u00fd \u010dtvrtrok). N\u00e1rok na v\u00fdplatu d\u00e1vky vznik\u00e1 dnem pod\u00e1n\u00ed \u017e\u00e1dosti a lze jej uplatnit maxim\u00e1ln\u011b 3 m\u011bs\u00edce zp\u011btn\u011b.<\/p>\n\n\n\n<p>N\u00e1klady na bydlen\u00ed jsou: n\u00e1jemn\u00e9, n\u00e1klady za slu\u017eby (plyn, voda, teplo, elekt\u0159ina, vodn\u00e9-sto\u010dn\u00e9, provoz v\u00fdtahu, osv\u011btlen\u00ed a \u00faklid spole\u010dn\u00fdch prostor, odvoz odpad\u016f, n\u00e1klady na pevn\u00e1 paliva. <strong>Do n\u00e1klad\u016f se nepo\u010d\u00edt\u00e1 spl\u00e1tka hypot\u00e9ky.<\/strong><\/p>\n\n\n\n<p>Podrobn\u011bj\u0161\u00ed informace v\u010detn\u011b pokyn\u016f k&nbsp;vypln\u011bn\u00ed formul\u00e1\u0159e najdete na str\u00e1nk\u00e1ch <a href=\"https:\/\/www.mpsv.cz\/web\/cz\/-\/prispevek-na-bydleni\">MPSV<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00fdkup zadlu\u017een\u00e9 (i nezadlu\u017een\u00e9) nemovitosti s&nbsp;mo\u017enost\u00ed nad\u00e1le bydlet<\/h2>\n\n\n\n<div style=\"height:37px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column has-white-background-color has-background is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/01\/66-Sms-Alert.png\" alt=\"\" class=\"wp-image-824\" width=\"96\" height=\"96\"\/><figcaption><strong>U\u0161et\u0159\u00edte<\/strong><\/figcaption><\/figure><\/div>\n\n\n<p class=\"has-text-align-center\">P\u0159estanou nab\u00edhat \u00faroky z&nbsp;prodlen\u00ed, pokuty a jin\u00e1 p\u0159\u00edslu\u0161enstv\u00ed a n\u00e1klady spojen\u00e9 s&nbsp;exekuc\u00ed nebo prodejem v&nbsp;dra\u017eb\u011b<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-white-background-color has-background is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"96\" height=\"96\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/01\/1283-Currency-briefcase.png\" alt=\"\" class=\"wp-image-830\"\/><figcaption><strong>Dluhy zaplat\u00edme za v\u00e1s<\/strong><\/figcaption><\/figure><\/div>\n\n\n<p class=\"has-text-align-center\">Bankovn\u00ed i nebankovn\u00ed \u00fav\u011bry a hypot\u00e9ky, v\u0161echny exekuce, dra\u017ebu nebo insolvenci.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-white-background-color has-background is-layout-flow wp-block-column-is-layout-flow\"><div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"96\" height=\"96\" src=\"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2018\/01\/1269-Apartment.png\" alt=\"\" class=\"wp-image-828\"\/><figcaption><strong>V\u00fdhody<\/strong><\/figcaption><\/figure><\/div>\n\n\n<p class=\"has-text-align-center has-white-background-color has-background\">Domov nemus\u00edte opustit- bydl\u00edte d\u00e1le formou n\u00e1jmu; n\u00e1sledn\u011b m\u00e1te mo\u017enost domov zp\u011bt odkoupit do vlastnictv\u00ed.<\/p>\n<\/div>\n<\/div>\n\n\n\n<p><strong>Cena v\u00fdkupu se stanovuje podle aktu\u00e1ln\u00ed tr\u017en\u00ed hodnoty nemovitosti<\/strong> (tu ovliv\u0148uje mimo jin\u00e9 tak\u00e9 lokalita a stav nemovitosti) a pohybuje se zpravidla do 80%. Z\u00a0t\u00e9to \u010d\u00e1stky jsou v\u00e1m pak vyplaceny pokud mo\u017eno v\u0161echny z\u00e1vazky a p\u0159\u00edpadn\u00e1 zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st je v\u00e1m vyplacena na \u00fa\u010det.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aligncenter is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background\" href=\"mailto:hypoteky@mskarydkova.cz\" style=\"background-color:#c6b477\">chci zjistit cenu v\u00fdkupu<\/a><\/div>\n<\/div>\n\n\n\n<p>Pokud s&nbsp;cenou v\u00fdkupu souhlas\u00edte, <strong>uzav\u00edr\u00e1 se klasick\u00e1 kupn\u00ed smlouva<\/strong>. <strong>Po dokon\u010den\u00e9m p\u0159evodu vlastnictv\u00ed na katastru je s&nbsp;v\u00e1mi sjedn\u00e1na smlouva o n\u00e1jmu. V&nbsp;nemovitosti, tak z\u016fst\u00e1v\u00e1te nad\u00e1le bydlet.<\/strong> Nemovitost m\u016f\u017eete d\u00e1le u\u017e\u00edvat obvykl\u00fdm zp\u016fsobem, jako jste u\u017e\u00edvali doposud a to v\u010detn\u011b hl\u00e1\u0161en\u00e9 trval\u00e9 adresy.<\/p>\n\n\n\n<p>B\u011bhem doby pron\u00e1jmu tak z\u00edsk\u00e1te pot\u0159ebn\u00fd \u010das na vylep\u0161en\u00ed finan\u010dn\u00ed situace a tak\u00e9 na vylep\u0161en\u00ed \u00fav\u011brov\u00e9 historie v&nbsp;bankovn\u00edm a nebankovn\u00edm registru. B\u011bhem trv\u00e1n\u00ed n\u00e1jmu m\u016f\u017eete kdykoliv nemovitost odkoupit zp\u011bt do va\u0161eho vlastnictv\u00ed za p\u0159edem stanovenou cenu. <strong>V\u00fd\u0161e ceny zp\u011btn\u00e9ho odkupu je stanovena je\u0161t\u011b p\u0159ed samotn\u00fdm p\u0159evodem nemovitosti na katastru.<\/strong><\/p>\n\n\n\n<p>P\u0159edkupn\u00ed pr\u00e1vo, kde se nemovitost op\u011bt p\u0159episuje na v\u00e1s nebo na osobu, kterou si ur\u010d\u00edte, je zaps\u00e1no v p\u0159edkupn\u00ed smlouv\u011b.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pokud v\u00e1m skon\u010dila fixace \u00farokov\u00e9 sazby a nov\u00fd \u00farok v\u00e1m zv\u00fd\u0161il spl\u00e1tku hypot\u00e9ky na v\u00edc, ne\u017e jste m\u011bli doposud nebo jste p\u0159i\u0161li o pr\u00e1ci a hled\u00e1te nov\u00e9 pracovn\u00ed uplatn\u011bn\u00ed, jsou tu mo\u017enosti, jak rodinn\u00e9mu rozpo\u010dtu ulevit.<\/p>\n","protected":false},"author":1,"featured_media":7824,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","footnotes":""},"categories":[77,63],"tags":[64,78],"aioseo_notices":[],"featured_image_src":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-content\/uploads\/2022\/09\/kdyz-prijmy-nestaci-na-splaceni-dluhu-1.jpg","author_info":{"display_name":"mskarydkova","author_link":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/author\/mskarydkova\/"},"_links":{"self":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7804"}],"collection":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/comments?post=7804"}],"version-history":[{"count":18,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7804\/revisions"}],"predecessor-version":[{"id":7827,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/posts\/7804\/revisions\/7827"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media\/7824"}],"wp:attachment":[{"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/media?parent=7804"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/categories?post=7804"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staryweb.mskarydkova.cz\/subdom\/staryweb\/wp-json\/wp\/v2\/tags?post=7804"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}