[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.emfi.cz\/jak-se-zbavit-dluhu\/#Article","mainEntityOfPage":"https:\/\/www.emfi.cz\/jak-se-zbavit-dluhu\/","headline":"Jak se zbavit dluh\u016f","name":"Jak se zbavit dluh\u016f","description":"Pokud se chcete zbavit dluh\u016f, \u010dek\u00e1 v\u00e1s dozajista tvrd\u00e1 d\u0159ina. U\u017e p\u0159\u00edli\u0161 nez\u00e1le\u017e\u00ed na tom, pro\u010d jste se do t\u00e9to nez\u00e1vid\u011bn\u00edhodn\u00e9 situace dostali. Jestli vlastn\u00ed hloupost\u00ed, ciz\u00edm zavin\u011bn\u00edm nebo t\u0159eba \u0161patnou investic\u00ed. D\u016fle\u017eit\u00e9 je hlavn\u011b vz\u00edt si z toho pou\u010den\u00ed, neklesat na mysli a rozhodnout se s t\u00edm n\u011bco ud\u011blat.
 Podle pr\u016fzkum\u016f se ro\u010dn\u011b zadlu\u017euje […]","datePublished":"2018-06-27","dateModified":"2023-05-07","author":{"@type":"Person","@id":"https:\/\/www.emfi.cz\/author\/#Person","name":"","url":"https:\/\/www.emfi.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"emfi.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.emfi.cz\/wp-content\/uploads\/img_a321426_w2068_t1532675493.jpg","url":"https:\/\/www.emfi.cz\/wp-content\/uploads\/img_a321426_w2068_t1532675493.jpg","height":0,"width":0},"url":"https:\/\/www.emfi.cz\/jak-se-zbavit-dluhu\/","wordCount":424,"articleBody":"Pokud se chcete zbavit dluh\u016f, \u010dek\u00e1 v\u00e1s dozajista tvrd\u00e1 d\u0159ina. U\u017e p\u0159\u00edli\u0161 nez\u00e1le\u017e\u00ed na tom, pro\u010d jste se do t\u00e9to nez\u00e1vid\u011bn\u00edhodn\u00e9 situace dostali. Jestli vlastn\u00ed hloupost\u00ed, ciz\u00edm zavin\u011bn\u00edm nebo t\u0159eba \u0161patnou investic\u00ed. D\u016fle\u017eit\u00e9 je hlavn\u011b vz\u00edt si z toho pou\u010den\u00ed, neklesat na mysli a rozhodnout se s t\u00edm n\u011bco ud\u011blat.
 Podle pr\u016fzkum\u016f se ro\u010dn\u011b zadlu\u017euje st\u00e1le v\u00edce a v\u00edce \u010cech\u016f a \u010dasto nev\u00ed, jak se s touto situac\u00ed vypo\u0159\u00e1dat. P\u0159itom existuj\u00ed mo\u017enosti, kter\u00e9 lze vyu\u017e\u00edt.
 Jste schopni spl\u00e1cet? 
 D\u016fle\u017eitou ot\u00e1zku, kterou si mus\u00edte polo\u017eit hned na za\u010d\u00e1tku je to, zda dok\u00e1\u017eete sv\u00e9 dluhy pravideln\u011b spl\u00e1cet. Pokud je odpov\u011b\u010f ne, je t\u0159eba se zamyslet i nad t\u00edm, pro\u010d tomu tak je.
 M\u016f\u017ee j\u00edt pouze o to, \u017ee neum\u00edte zodpov\u011bdn\u011b nakl\u00e1dat s financemi. Nen\u00ed se za co styd\u011bt, v\u00fduka k finan\u010dn\u00ed gramotnosti je v \u010cesku na katastrof\u00e1ln\u00ed \u00farovni a pokud to sv\u00e9 d\u011bti nenau\u010d\u00ed rodi\u010de, nen\u00ed se \u010demu divit, kdy\u017e pak spousta lid\u00ed upad\u00e1 do dluh\u016f. Vypracujte si podrobn\u00fd p\u0159ehled o sv\u00fdch p\u0159\u00edjmech a v\u00fddaj\u00edch a zjist\u011bte, zda nem\u016f\u017eete ud\u011blat ve sv\u00e9m rozpo\u010dtu n\u011bjak\u00e9 zm\u011bny.
 Zva\u017ete mo\u017enost osobn\u00edho bankrotu 
 Za p\u0159edpokladu, \u017ee jste ji\u017e u\u010dinili r\u016fzn\u00e9 zm\u011bny a sv\u00e9 v\u00fddaje u\u017e v\u00edce omezit nem\u016f\u017eete, a p\u0159esto nedok\u00e1\u017eete v\u010das spl\u00e1cet, p\u0159ich\u00e1z\u00ed na \u0159adu zv\u00e1\u017eit mo\u017enost osobn\u00edho bankrotu.Ten je samoz\u0159ejm\u011b v\u00e1z\u00e1n na r\u016fzn\u00e1 pravidla:
 \u00b7 Mus\u00ed jej schv\u00e1lit soud
 \u00b7 M\u00e1te dluhy u alespo\u0148 2 r\u016fzn\u00fdch v\u011b\u0159itel\u016f
 \u00b7 Prokazateln\u011b nejste schopni dlouhodob\u011b spl\u00e1cet
 \u00b7 V p\u0159\u00ed\u0161t\u00edch 5 letech mus\u00edte b\u00fdt schopni splatit alespo\u0148 30% dlu\u017en\u00e9 \u010d\u00e1stky (mus\u00edte m\u00edt stabiln\u00ed zam\u011bstn\u00e1n\u00ed)
 D\u016fle\u017eit\u00e9 je neklesat na mysli a za\u010d\u00edt se aktivn\u011b zaj\u00edmat o mo\u017enosti, kter\u00fdch m\u016f\u017eete vyu\u017e\u00edt. Nebojte se ani mo\u017enosti obr\u00e1tit se na rodinu a p\u0159\u00e1tel\u00e9, kte\u0159\u00ed v\u00e1m ve va\u0161\u00ed t\u011b\u017ek\u00e9 situaci m\u016f\u017eou b\u00fdt n\u00e1pomocn\u00ed. A to samoz\u0159ejm\u011b nemus\u00ed b\u00fdt pen\u011bzi, kter\u00e9 \u010dasto kaz\u00ed dobr\u00e9 vztahy mezi p\u0159\u00e1teli, ale \u010dasto p\u0159ijde vhod i mor\u00e1ln\u00ed podpora nebo oby\u010dejn\u00e1 dobr\u00e1 rada.                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se zbavit dluh\u016f","item":"https:\/\/www.emfi.cz\/jak-se-zbavit-dluhu\/#breadcrumbitem"}]}]