[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.itouch.cz\/mate-financni-problemy\/#Article","mainEntityOfPage":"https:\/\/www.itouch.cz\/mate-financni-problemy\/","headline":"M\u00e1te finan\u010dn\u00ed probl\u00e9my?","name":"M\u00e1te finan\u010dn\u00ed probl\u00e9my?","description":"V obecn\u00e9 rovin\u011b je dlu\u017en\u00edkem ka\u017ed\u00fd, kdo si p\u016fj\u010d\u00ed jakoukoliv \u010d\u00e1stku u kter\u00e9hokoliv ze subjekt\u016f, kter\u00e9 poskytuj\u00ed p\u016fj\u010dky, \u00fav\u011bry nebo hypot\u00e9ky. Dlu\u017en\u00edkem \u010dlov\u011bk p\u0159estane b\u00fdt a\u017e v momentu splacen\u00ed v\u0161ech pohled\u00e1vek. Nen\u00ed ov\u0161em dlu\u017en\u00edk jako dlu\u017en\u00edk. Dnes je spousta lid\u00ed, kte\u0159\u00ed si b\u011b\u017en\u011b brk\u00e1vaj\u00ed n\u011bjak\u00e9 dra\u017e\u0161\u00ed zbo\u017e\u00ed nebo auta na spl\u00e1tky a sv\u00e9 z\u00e1vazky pe\u010dliv\u011b […]","datePublished":"2025-12-15","dateModified":"2025-12-15","author":{"@type":"Person","@id":"https:\/\/www.itouch.cz\/author\/#Person","name":"","url":"https:\/\/www.itouch.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2b882a21216b34ba28e79730eea9356b725e9a0bf9885ae3bedd792ae606fb10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"itouch.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.itouch.cz\/wp-content\/uploads\/man-5574872_640(2)_10_6.jpg","url":"https:\/\/www.itouch.cz\/wp-content\/uploads\/man-5574872_640(2)_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.itouch.cz\/mate-financni-problemy\/","about":["Finance"],"wordCount":422,"articleBody":"       V obecn\u00e9 rovin\u011b je dlu\u017en\u00edkem ka\u017ed\u00fd, kdo si p\u016fj\u010d\u00ed jakoukoliv \u010d\u00e1stku u kter\u00e9hokoliv ze subjekt\u016f, kter\u00e9 poskytuj\u00ed p\u016fj\u010dky, \u00fav\u011bry nebo hypot\u00e9ky. Dlu\u017en\u00edkem \u010dlov\u011bk p\u0159estane b\u00fdt a\u017e v momentu splacen\u00ed v\u0161ech pohled\u00e1vek. Nen\u00ed ov\u0161em dlu\u017en\u00edk jako dlu\u017en\u00edk. Dnes je spousta lid\u00ed, kte\u0159\u00ed si b\u011b\u017en\u011b brk\u00e1vaj\u00ed n\u011bjak\u00e9 dra\u017e\u0161\u00ed zbo\u017e\u00ed nebo auta na spl\u00e1tky a sv\u00e9 z\u00e1vazky pe\u010dliv\u011b spl\u00e1c\u00ed \u0159\u00e1dn\u011b a v\u010das. V\u011bt\u0161ina lid\u00ed, kte\u0159\u00ed si dnes kupuj\u00ed vlastn\u00ed bydlen\u00ed, bez hypot\u00e9ky nem\u00e1 \u0161anci na bydlen\u00ed dos\u00e1hnout a museli by \u017e\u00edt v n\u00e1jemn\u00edm bydlen\u00ed. B\u00fdt dlu\u017en\u00edkem je dnes zcela b\u011b\u017en\u00e9. Je ov\u0161em rozd\u00edl mezi t\u00edm b\u00fdt dlu\u017en\u00edkem dobrovoln\u011b a v\u011bdom\u011b a mezi t\u00edm, kdy\u017e se n\u011bkdo do dluh\u016f dostane ciz\u00edm zavin\u011bn\u00edm.Ano, i to je bohu\u017eel mo\u017en\u00e9. Jist\u011b jste u\u017e n\u011bkdy sly\u0161eli o tom, \u017ee n\u011bkdo musel spl\u00e1cet dluhy za n\u011bkoho jin\u00e9ho. Typicky jsou to lid\u00e9, kte\u0159\u00ed o dluz\u00edch zjistili a\u017e po rozvodu. B\u011b\u017en\u011b bohu\u017eel man\u017eel\u00e9 b\u00fdvaj\u00ed solid\u00e1rn\u011b zav\u00e1zan\u00fdmi dlu\u017en\u00edky, co\u017e znamen\u00e1, \u017ee pokud jeden d\u011bl\u00e1 dluhy, by\u0165 bez v\u011bdom\u00ed druh\u00e9ho man\u017eela, spl\u00e1cet je musej\u00ed oba. Dal\u0161\u00ed situac\u00ed je t\u0159eba neplacen\u00ed v\u00fd\u017eivn\u00e9ho, kdy za dlu\u017en\u00edka mohou platit jeho rodi\u010de. Situac\u00ed je ale daleko v\u00edce.Velmi \u010dasto se do dluh\u016f dost\u00e1vaj\u00ed podnikatel\u00e9. Mnoho lid\u00ed si mysl\u00ed, \u017ee podnik\u00e1n\u00ed jim d\u00e1 volnost, proto\u017ee vyd\u011blaj\u00ed spoustu pen\u011bz. Jen\u017ee tak to v\u016fbec b\u00fdt nemus\u00ed. Jsou lid\u00e9, kte\u0159\u00ed na podnik\u00e1n\u00ed nemaj\u00ed vlohy a p\u0159esto se na podnik\u00e1n\u00ed daj\u00ed. Jen\u017ee zjist\u00ed, \u017ee nap\u0159\u00edklad nevyd\u011blaj\u00ed dost, aby se u\u017eivili a je\u0161t\u011b platili vysok\u00e9 odvody, kter\u00e9 jsou povinn\u00e9. \u010casto potom lid\u00e9 dlu\u017e\u00ed na soci\u00e1ln\u00edm i zdravotn\u00edm poji\u0161t\u011bn\u00ed a je\u0161t\u011b t\u0159eba i za vybaven\u00ed d\u00edlny. Exekutor potom klepe na dve\u0159e velmi \u010dasto a \u00faroky z nespl\u00e1cen\u00fdch \u010d\u00e1stek dluh navy\u0161uj\u00ed. V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee b\u00fdt cestou ven vyplacen\u00ed exekuc\u00ed Americkahypoteka.cz. Tuto mo\u017enost \u010dasto vyu\u017e\u00edvaj\u00ed pr\u00e1v\u011b podnikatel\u00e9, kte\u0159\u00ed padli na dno. Exekuce vyplat\u00ed banka, kter\u00e9 je potom dlu\u017e\u00ed, spl\u00e1c\u00ed tak jako u b\u011b\u017en\u00e9ho \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1te finan\u010dn\u00ed probl\u00e9my?","item":"https:\/\/www.itouch.cz\/mate-financni-problemy\/#breadcrumbitem"}]}]