[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.matask.cz\/oddluzeni-se-zmenilo-v-cem\/#Article","mainEntityOfPage":"https:\/\/www.matask.cz\/oddluzeni-se-zmenilo-v-cem\/","headline":"Oddlu\u017een\u00ed se zm\u011bnilo. V \u010dem?","name":"Oddlu\u017een\u00ed se zm\u011bnilo. V \u010dem?","description":"Sledovat zm\u011bny v z\u00e1konech je pom\u011brn\u011b slo\u017eit\u00e9, proto\u017ee k nim doch\u00e1z\u00ed docela \u010dasto. Oddlu\u017een\u00ed od Americk\u00e9 nebankovn\u00ed hypot\u00e9ky p\u0159in\u00e1\u0161\u00ed mo\u017enost, jak se jednou a prov\u017edy zbavit sv\u00fdch z\u00e1vazk\u016f a dostat se z t\u00ed\u017eiv\u00e9 \u017eivotn\u00ed a finan\u010dn\u00ed situace. Obecn\u011b se jedn\u00e1 o variantu pro jednotlivce nebo man\u017eelsk\u00e9 p\u00e1ry, kte\u0159\u00ed na tom nejsou dob\u0159e a maj\u00ed hodn\u011b […]","datePublished":"2019-09-27","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.matask.cz\/author\/#Person","name":"","url":"https:\/\/www.matask.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/65248d4269af31fa3fa693ee3fd479d0960b985d370ed586e59378332be7a3ce?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"matask.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.matask.cz\/wp-content\/uploads\/img_a365866_w1988_t1578487491.jpg","url":"https:\/\/www.matask.cz\/wp-content\/uploads\/img_a365866_w1988_t1578487491.jpg","height":0,"width":0},"url":"https:\/\/www.matask.cz\/oddluzeni-se-zmenilo-v-cem\/","about":["Finance"],"wordCount":438,"articleBody":"       Sledovat zm\u011bny v z\u00e1konech je pom\u011brn\u011b slo\u017eit\u00e9, proto\u017ee k nim doch\u00e1z\u00ed docela \u010dasto. Oddlu\u017een\u00ed od Americk\u00e9 nebankovn\u00ed hypot\u00e9ky p\u0159in\u00e1\u0161\u00ed mo\u017enost, jak se jednou a prov\u017edy zbavit sv\u00fdch z\u00e1vazk\u016f a dostat se z t\u00ed\u017eiv\u00e9 \u017eivotn\u00ed a finan\u010dn\u00ed situace. Obecn\u011b se jedn\u00e1 o variantu pro jednotlivce nebo man\u017eelsk\u00e9 p\u00e1ry, kte\u0159\u00ed na tom nejsou dob\u0159e a maj\u00ed hodn\u011b z\u00e1vazk\u016f. Jde o leg\u00e1ln\u00ed zp\u016fsob, kter\u00fd postupuje p\u0159es nestrann\u00fd soud. D\u00edky tomu neplat\u00edte dal\u0161\u00ed pen\u00edze za finan\u010dn\u00ed poradce nebo spr\u00e1vce. N\u00e1klady na proces tak bude mnohem levn\u011bj\u0161\u00ed.  Novinky Ke zm\u011bn\u011b v z\u00e1kon\u011b o oddlu\u017een\u00ed do\u0161lo ke dni 1. \u010dervna 2019. Nejv\u011bt\u0161\u00ed novinkou je, \u017ee nemus\u00edte \u017e\u00e1dn\u00fdm zp\u016fsobem dokl\u00e1dat, \u017ee m\u00e1te mo\u017enost splatit minim\u00e1ln\u011b 30 procent z\u00e1vazk\u016f a nemus\u00edte je ani ve skute\u010dnosti splatit. Za m\u011bs\u00edc mus\u00edte nov\u011b platit minim\u00e1ln\u011b 2x 1 089 korun. To znamen\u00e1 poplatek pro insolven\u010dn\u00edho spr\u00e1vce a alespo\u0148 stejnou \u010d\u00e1stku i v\u011b\u0159itel\u016fm. V z\u00e1kon\u011b se objevil tak\u00e9 bod pojedn\u00e1vaj\u00edc\u00ed o tom, \u017ee jedinec mus\u00ed m\u00edt z\u00e1jem splatit co nejv\u00edc ze sv\u00fdch z\u00e1vazk\u016f. Ot\u00e1zkou je, jak lze toto dok\u00e1zat. Del\u0161\u00ed doba na p\u0159ihl\u00e1\u0161en\u00ed V\u011b\u0159itel\u00e9 maj\u00ed nov\u011b mo\u017enost se p\u0159ihl\u00e1sit ke sv\u00fdm pohled\u00e1vk\u00e1m do 60 dn\u016f. To je mnohem v\u00edce ne\u017e v minulosti. Dobrou zpr\u00e1vou pro dlu\u017en\u00edky je tak\u00e9 fakt, \u017ee v\u00fdpo\u010det \u010d\u00e1stky, kter\u00e1 jim m\u011bs\u00ed\u010dn\u011b mus\u00ed z\u016fstat, tzv. \u017eivotn\u00edho minima, je odli\u0161n\u00fd. Z\u016fstane jim tak v\u00edce pen\u011bz. Za za\u010d\u00e1tku ka\u017ed\u00e9ho soudn\u00edho procesu dojde ke zhodnocen\u00ed hmotn\u00e9ho majetku. V\u00fd\u0161e jm\u011bn\u00ed, kter\u00e9 jedinci \u010di man\u017eel\u016fm z\u016fstane zat\u00edm nen\u00ed p\u0159esn\u011b stanovena. Nov\u00e1 je i doba. B\u011b\u017en\u00e1 je doba p\u011bti let. Nyn\u00ed je mo\u017en\u00e1 i t\u0159\u00edlet\u00e1 varianta pro seniory, invalidn\u00ed d\u016fchodce a jedince, kte\u0159\u00ed budou schopni b\u011bhem tohoto procesu splatit 60 procent z\u00e1vazk\u016f.  Co z\u016fstalo stejn\u00e9? Stejn\u011b jako d\u0159\u00edv mus\u00edte m\u00edt alespo\u0148 dva v\u011b\u0159itele. Pochopiteln\u00e9 je, \u017ee mus\u00edte b\u00fdt v prodlen\u00ed se spl\u00e1tkou. Jinak se do skute\u010dn\u011b t\u011b\u017ek\u00e9 situace nedostanete. Mus\u00edte m\u00edt pro soud p\u0159ipraven\u00fd detailn\u00ed rozpo\u010det, kter\u00fd nesm\u00ed p\u0159es\u00e1hnout \u017eivotn\u00ed minimum. Insolven\u010dn\u00ed n\u00e1vrh si nem\u016f\u017eete podat sami, mus\u00ed to ud\u011blat advok\u00e1t nebo not\u00e1\u0159.                                                                                                                                                                                                                                                                                                                                                                                          4.3\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Oddlu\u017een\u00ed se zm\u011bnilo. 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