[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.jmpas.cz\/jak-se-vyplatit-z-exekuce-ci-ji-pripadne-zabranit\/#Article","mainEntityOfPage":"https:\/\/www.jmpas.cz\/jak-se-vyplatit-z-exekuce-ci-ji-pripadne-zabranit\/","headline":"Jak se vyplatit z exekuce, \u010di j\u00ed p\u0159\u00edpadn\u011b zabr\u00e1nit","name":"Jak se vyplatit z exekuce, \u010di j\u00ed p\u0159\u00edpadn\u011b zabr\u00e1nit","description":"Nabrali jste si p\u0159ed lety nev\u00fdhodn\u00e9 p\u016fj\u010dky, jejich\u017e \u00faroky rostou nev\u00eddan\u00fdm tempem, a vy se boj\u00edte, \u017ee ji\u017e brzy nezvl\u00e1dnete spl\u00e1cet? Nebo v\u00e1m ji\u017e na dve\u0159e bu\u0161\u00ed exekuto\u0159i, nachystan\u00ed p\u0159ipravit v\u00e1s o v\u0161echno, co m\u00e1te? Nejste jedin\u00ed. Tento probl\u00e9m tr\u00e1p\u00ed \u010d\u00edm d\u00e1l v\u011bt\u0161\u00ed procento \u010cech\u016f, kte\u0159\u00ed jen bezradn\u011b krout\u00ed hlavami. Jak se mohlo p\u00e1r p\u016fj\u010dek…","datePublished":"2022-07-09","dateModified":"2023-04-30","author":{"@type":"Person","@id":"https:\/\/www.jmpas.cz\/author\/#Person","name":"jmpas.cz\n","url":"https:\/\/www.jmpas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/3c4e99fa9a9806cd5e8fd7cac6ca73ff5bbf5f3ee309e1745415eebd31482909?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"jmpas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.jmpas.cz\/wp-content\/uploads\/wallet-1013789_640_6.jpg","url":"https:\/\/www.jmpas.cz\/wp-content\/uploads\/wallet-1013789_640_6.jpg","height":0,"width":0},"url":"https:\/\/www.jmpas.cz\/jak-se-vyplatit-z-exekuce-ci-ji-pripadne-zabranit\/","about":["Finance"],"wordCount":507,"articleBody":"        Nabrali jste si p\u0159ed lety nev\u00fdhodn\u00e9 p\u016fj\u010dky, jejich\u017e \u00faroky rostou nev\u00eddan\u00fdm tempem, a vy se boj\u00edte, \u017ee ji\u017e brzy nezvl\u00e1dnete spl\u00e1cet? Nebo v\u00e1m ji\u017e na dve\u0159e bu\u0161\u00ed exekuto\u0159i, nachystan\u00ed p\u0159ipravit v\u00e1s o v\u0161echno, co m\u00e1te? Nejste jedin\u00ed. Tento probl\u00e9m tr\u00e1p\u00ed \u010d\u00edm d\u00e1l v\u011bt\u0161\u00ed procento \u010cech\u016f, kte\u0159\u00ed jen bezradn\u011b krout\u00ed hlavami. Jak se mohlo p\u00e1r p\u016fj\u010dek zvrtnout v n\u011bco takov\u00e9ho? A existuje \u0159e\u0161en\u00ed?V\u00edtejte v bancePrvn\u00ed, co byste m\u011bli vyzkou\u0161et, je zaj\u00edt do banky, kde m\u00e1te sv\u00e9 pohled\u00e1vky, a zkusit se n\u011bjak domluvit. Je v z\u00e1jmu banky, abyste mohli spl\u00e1cet, a v\u0161e fungovalo hladce. M\u016f\u017eete se zkusit domluvit na refinancov\u00e1n\u00ed, nebo konsolidaci p\u016fj\u010dek, co\u017e by alespo\u0148 na n\u011bjakou dobu tro\u0161ku zm\u00edrnilo va\u0161e pot\u00ed\u017ee. Je v\u0161ak mo\u017en\u00e9, \u017ee v p\u0159\u00edpad\u011b, kdy v\u00e1m hroz\u00ed exekuce, banka odm\u00edtne dal\u0161\u00ed \u0159e\u0161en\u00ed.Existuje i jin\u00e9 \u0159e\u0161en\u00ed?Ano, existuj\u00ed je\u0161t\u011b nebankovn\u00ed spole\u010dnosti. Jejich v\u00fdhodou je, \u017ee na rozd\u00edl od bankovn\u00edch instituc\u00ed, maj\u00ed voln\u011bj\u0161\u00ed ruku, a tak mohou poskytovat \u00fav\u011bry i t\u011bm, koho banky odm\u00edtly. Tyto spole\u010dnosti pak obvykle nab\u00edzej\u00ed \u0159e\u0161en\u00ed v podob\u011b nebankovn\u00ed hypot\u00e9ky, kterou lze uzp\u016fsobit na m\u00edru klientovi, a tak na ni dos\u00e1hne v\u011bt\u0161\u00ed procento \u017eadatel\u016f.Jak vy\u0159e\u0161\u00ed hypot\u00e9ka exekuci?Nebankovn\u00ed americk\u00e1 hypot\u00e9ka je bez\u00fa\u010delov\u00fdm \u00fav\u011brem, kdy nemus\u00edte dokl\u00e1dat, k \u010demu ji pot\u0159ebujete, a tedy ji lze vyu\u017e\u00edt i na vyplacen\u00ed se z exekuce, konsolidaci nev\u00fdhodn\u00fdch \u00fav\u011br\u016f, nebo refinancov\u00e1n\u00ed. Jak\u00e9 jsou podm\u00ednky pro jej\u00ed z\u00edsk\u00e1n\u00ed?Za nebankovn\u00ed americkou hypot\u00e9ku se mus\u00edte zaru\u010dit svoj\u00ed nemovitost\u00ed. M\u016f\u017eete tak z\u00edskat a\u017e 70% odhadn\u00ed ceny nemovitosti, kterou pou\u017eijete nap\u0159\u00edklad ke splacen\u00ed exekuce. Jeliko\u017e si mo\u017en\u00e1 pr\u00e1v\u011b nem\u016f\u017eete dovolit odhadce, nebankovn\u00ed spole\u010dnost se o v\u0161e postar\u00e1, a za\u0159\u00edd\u00ed odhad na vlastn\u00ed \u00fa\u010det. Samoz\u0159ejm\u011b budete muset prok\u00e1zat, jak\u00e9 jsou va\u0161e p\u0159\u00edjmy a v\u00fddaje, aby nebankovn\u00ed spole\u010dnost v\u011bd\u011bla, \u017ee m\u00e1te z \u010deho spl\u00e1cet, a poskytla v\u00e1m takov\u00fd \u00fav\u011br, kter\u00fd pro v\u00e1s bude nejv\u00fdhodn\u011bj\u0161\u00ed. Nen\u00ed v\u0161ak t\u0159eba se ni\u010deho ob\u00e1vat. Zat\u00edmco bankovn\u00ed krit\u00e9ria pro dostate\u010dn\u00fd p\u0159\u00edjem jsou hodn\u011b n\u00e1ro\u010dn\u00e1, nebankovn\u00ed spole\u010dnosti maj\u00ed m\u00edrn\u011bj\u0161\u00ed podm\u00ednky, a tak na jejich hypot\u00e9ky dos\u00e1hne i b\u011b\u017en\u00fd \u010dlov\u011bk.Jak\u00e9 jsou podm\u00ednky pro spl\u00e1cen\u00ed?Podm\u00ednky pro spl\u00e1cen\u00ed jsou nastaveny individu\u00e1ln\u011b. Nelekejte se v\u0161ak, \u017ee by v\u00e1m nebankovn\u00ed spole\u010dnost nastavila nehor\u00e1znou v\u00fd\u0161i \u00farok\u016f. \u00daroky u nebankovn\u00edch hypot\u00e9k jsou mnohdy podobn\u00e9 t\u011bm bankovn\u00edm, a tak mohou bank\u00e1m pln\u011b konkurovat.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se vyplatit z exekuce, \u010di j\u00ed p\u0159\u00edpadn\u011b zabr\u00e1nit","item":"https:\/\/www.jmpas.cz\/jak-se-vyplatit-z-exekuce-ci-ji-pripadne-zabranit\/#breadcrumbitem"}]}]