[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.esapo.cz\/existuje-zpusob-jak-predejit-exekuci\/#Article","mainEntityOfPage":"https:\/\/www.esapo.cz\/existuje-zpusob-jak-predejit-exekuci\/","headline":"Existuje zp\u016fsob, jak p\u0159edej\u00edt exekuci?","name":"Existuje zp\u016fsob, jak p\u0159edej\u00edt exekuci?","description":"D\u016fvod\u016f, pro\u010d si lid\u00e9 berou \u00fav\u011bry, je spousta. Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad financov\u00e1n\u00ed nemovitosti, koup\u011b automobilu, podnik\u00e1n\u00ed, \u0159e\u0161en\u00ed d\u011bdictv\u00ed, \u010di rozvodov\u00e9 \u0159\u00edzen\u00ed. V dob\u011b kdy si p\u016fj\u010dku bereme, tak n\u011bjak p\u0159edpokl\u00e1d\u00e1me, \u017ee ji budeme schopni spl\u00e1cet. \u017divot ale p\u0159iprav\u00ed \u010dlov\u011bku spoustu p\u0159ek\u00e1\u017eek, mezi nimi\u017e m\u016f\u017ee b\u00fdt ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, nemoc, \u00famrt\u00ed v rodin\u011b, nebo posledn\u00ed dobou inflace, na kterou banky reaguj\u00ed … ","datePublished":"2022-07-09","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.esapo.cz\/author\/#Person","name":"","url":"https:\/\/www.esapo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/afe3e9c307ddf0b756c397ad75c6ecdba1f9da628b10651fe33a13bba6407ccd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/afe3e9c307ddf0b756c397ad75c6ecdba1f9da628b10651fe33a13bba6407ccd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"esapo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.esapo.cz\/wp-content\/uploads\/coins-948603_640_3.jpg","url":"https:\/\/www.esapo.cz\/wp-content\/uploads\/coins-948603_640_3.jpg","height":0,"width":0},"url":"https:\/\/www.esapo.cz\/existuje-zpusob-jak-predejit-exekuci\/","about":["Finance"],"wordCount":496,"articleBody":"       D\u016fvod\u016f, pro\u010d si lid\u00e9 berou \u00fav\u011bry, je spousta. Pat\u0159\u00ed mezi n\u011b nap\u0159\u00edklad financov\u00e1n\u00ed nemovitosti, koup\u011b automobilu, podnik\u00e1n\u00ed, \u0159e\u0161en\u00ed d\u011bdictv\u00ed, \u010di rozvodov\u00e9 \u0159\u00edzen\u00ed. V dob\u011b kdy si p\u016fj\u010dku bereme, tak n\u011bjak p\u0159edpokl\u00e1d\u00e1me, \u017ee ji budeme schopni spl\u00e1cet. \u017divot ale p\u0159iprav\u00ed \u010dlov\u011bku spoustu p\u0159ek\u00e1\u017eek, mezi nimi\u017e m\u016f\u017ee b\u00fdt ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, nemoc, \u00famrt\u00ed v rodin\u011b, nebo posledn\u00ed dobou inflace, na kterou banky reaguj\u00ed zvy\u0161ov\u00e1n\u00edm \u00farok\u016f. A tak, a\u0165 u\u017e chceme, nebo ne, m\u016f\u017ee se st\u00e1t, \u017ee zkr\u00e1tka nezvl\u00e1dneme spl\u00e1cet. Co se d\u00e1 v takov\u00e9 situaci d\u011blat, abychom n\u00e1hle nep\u0159i\u0161li o v\u0161echno? \u0158e\u0161en\u00ed je hned n\u011bkolik.Rozmluva s v\u011b\u0159itelemV p\u0159\u00edpad\u011b, \u017ee nap\u0159\u00edklad nejste schopni spl\u00e1cet z d\u016fvodu n\u00e1r\u016fstu \u00farokov\u00e9 sazby, m\u016f\u017eete zaj\u00edt do banky, a zkusit v\u0161e vy\u0159e\u0161it. \u00dakolem banky je hledat \u0159e\u0161en\u00ed, kter\u00e9 by pro v\u00e1s bylo dostupn\u00e9, a pomoci v\u00e1m naj\u00edt zp\u016fsob, jak spl\u00e1cen\u00ed zvl\u00e1dat. V takov\u00e9m p\u0159\u00edpad\u011b by v\u00e1m mohl v\u011b\u0159itel prodlou\u017eit dobu spl\u00e1cen\u00ed, kdy sice ve v\u00fdsledku zaplat\u00edte v\u00edce, ale v \u010d\u00e1stk\u00e1ch, kter\u00e9 pro v\u00e1s budou atraktivn\u011bj\u0161\u00ed, a nezruinuj\u00ed v\u00e1\u0161 rozpo\u010det. V p\u0159\u00edpad\u011b, \u017ee jste p\u0159i\u0161li o zam\u011bstn\u00e1n\u00ed, a moment\u00e1ln\u011b zkr\u00e1tka nezvl\u00e1d\u00e1te spl\u00e1cet, m\u016f\u017eete za\u017e\u00e1dat o odklad jedn\u00e9, \u010di dvou spl\u00e1tek do doby, ne\u017e si najdete nov\u00e9 zam\u011bstn\u00e1n\u00ed. Tento zp\u016fsob sice nen\u00ed nejlep\u0161\u00ed, jeliko\u017e s odkladem spl\u00e1tek z\u00edsk\u00e1te i z\u00e1znam v registru, ale je to st\u00e1le lep\u0161\u00ed mo\u017enost, ne\u017e p\u0159ij\u00edt o st\u0159echu nad hlavou.Refinancov\u00e1n\u00edPokud se v\u00e1m nepoda\u0159ilo v\u0161e vy\u0159e\u0161it ve va\u0161\u00ed bance, m\u016f\u017eete zkusit nav\u0161t\u00edvit jin\u00e9 bankovn\u00ed, \u010di nebankovn\u00ed instituce, a poptat se, zda by v\u00e1m n\u011bkdo neposkytl lep\u0161\u00ed podm\u00ednky. V takov\u00e9m p\u0159\u00edpad\u011b se jedn\u00e1 o refinancov\u00e1n\u00ed, kdy si jin\u00e1 spole\u010dnost odkoup\u00ed va\u0161i pohled\u00e1vku, a vytvo\u0159\u00ed v\u00e1m nov\u00fd \u00fav\u011br, kter\u00fd pro v\u00e1s bude v\u00fdhodn\u011bj\u0161\u00ed.Za p\u011bt minut dvan\u00e1ctPokud se v\u0161ak stane, \u017ee se v\u00e1m nepoda\u0159\u00ed naj\u00edt optim\u00e1ln\u00ed \u0159e\u0161en\u00ed ani v jednom ze dvou v\u00fd\u0161e zm\u00edn\u011bn\u00fdch bod\u016f, m\u016f\u017eete zkusit za\u017e\u00e1dat o americkou hypot\u00e9ku, kterou vyu\u017eijete k vyplacen\u00ed se z exekuce. Co si budeme nalh\u00e1vat, banka v\u00e1m ve va\u0161\u00ed situaci nejsp\u00ed\u0161 nebude zrovna n\u00e1pomocn\u00e1, a tak m\u016f\u017eete zkusit za\u017e\u00e1dat o americkou nebankovn\u00ed hypot\u00e9ku, kterou poskytuj\u00ed nebankovn\u00ed spole\u010dnosti. Ty jsou obvykle ke sv\u00fdm klient\u016fm mnohem vst\u0159\u00edcn\u011bj\u0161\u00ed, a ochotn\u011bj\u0161\u00ed naj\u00edt zp\u016fsob, jak v\u0161e vy\u0159e\u0161it.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Existuje zp\u016fsob, jak p\u0159edej\u00edt exekuci?","item":"https:\/\/www.esapo.cz\/existuje-zpusob-jak-predejit-exekuci\/#breadcrumbitem"}]}]