[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.teson.cz\/dluhova-past\/#Article","mainEntityOfPage":"https:\/\/www.teson.cz\/dluhova-past\/","headline":"DLUHOV\u00c1 PAST","name":"DLUHOV\u00c1 PAST","description":"Banky u\u017e sice nep\u016fj\u010duj\u00ed tolik, jako to bylo v dob\u011b je\u0161t\u011b celkem ned\u00e1vn\u00e9, ale od toho rychle p\u0159isp\u011bchaly nebankovn\u00ed spole\u010dnosti, spole\u010dnosti s rychl\u00fdmi p\u016fj\u010dkami do v\u00fdplaty…….a\u017e po lichv\u00e1\u0159e, lichv\u00e1\u0159 p\u016fj\u010d\u00ed snad ka\u017ed\u00e9mu, ov\u0161em za takov\u00fdch podm\u00ednek, \u017ee budete r\u00e1di, kdy\u017e se p\u0159i spl\u00e1cen\u00ed je\u0161t\u011b i naj\u00edte. V\u0161ude se do\u010dteme o mo\u017en\u00fdch zp\u016fsobech \u0161et\u0159en\u00ed, spo\u0159en\u00ed, st\u00e1le […]","datePublished":"2025-09-29","dateModified":"2025-09-29","author":{"@type":"Person","@id":"https:\/\/www.teson.cz\/author\/#Person","name":"","url":"https:\/\/www.teson.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/232437c79d6ebbb41eb67b1526ce0bc08ee5047d6b1594dc05abcc3258d8e0b3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"teson.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.teson.cz\/dluhova-past\/","wordCount":466,"articleBody":"Banky u\u017e sice nep\u016fj\u010duj\u00ed tolik, jako to bylo v dob\u011b je\u0161t\u011b celkem ned\u00e1vn\u00e9, ale od toho rychle p\u0159isp\u011bchaly nebankovn\u00ed spole\u010dnosti, spole\u010dnosti s rychl\u00fdmi p\u016fj\u010dkami do v\u00fdplaty…….a\u017e po lichv\u00e1\u0159e, lichv\u00e1\u0159 p\u016fj\u010d\u00ed snad ka\u017ed\u00e9mu, ov\u0161em za takov\u00fdch podm\u00ednek, \u017ee budete r\u00e1di, kdy\u017e se p\u0159i spl\u00e1cen\u00ed je\u0161t\u011b i naj\u00edte.V\u0161ude se do\u010dteme o mo\u017en\u00fdch zp\u016fsobech \u0161et\u0159en\u00ed, spo\u0159en\u00ed, st\u00e1le se v\u0161ak najdou lid\u00e9, kte\u0159\u00ed ne\u0161et\u0159\u00ed a ned\u011blaj\u00ed si s t\u00edm \u017e\u00e1dn\u00e9 starosti, prost\u011b si na v\u0161e, nov\u00fdm televizorem po\u010d\u00ednaje a drah\u00fdm vozidlem kon\u010de, p\u016fj\u010d\u00ed.Ano, \u0159eknete si, pro\u010d ne, pravideln\u011b spl\u00e1c\u00edte, ale napadlo V\u00e1s n\u011bkdy, \u017ee m\u016f\u017eete nap\u0159. ztratit zam\u011bstn\u00e1n\u00ed, kde m\u00e1te nadstandardn\u00ed p\u0159\u00edjem a najdete \u201enarychlo\u201c zam\u011bstn\u00e1n\u00ed t\u0159eba jen za polovi\u010dn\u00ed plat? Pak u\u017e si budete p\u016fj\u010dovat jen na spl\u00e1tky p\u016fj\u010dek, kter\u00e9 u\u017e m\u00e1te, a dost\u00e1v\u00e1te se tak do zr\u00e1dn\u00e9 dluhov\u00e9 pasti.Jak tomu p\u0159edej\u00edt a vyhnout se tak dluhov\u00e9 pasti:1) v prvn\u00ed \u0159ad\u011b je nejd\u016fle\u017eit\u011bj\u0161\u00ed si v\u016fbecneza\u010d\u00edt p\u016fj\u010dovat na v\u011bci, kter\u00e9 TE\u010e HNED nepot\u0159ebujete, p\u016fj\u010dovat by si \u010dlov\u011bk m\u011bl na v\u011bci opravdu d\u016fle\u017eit\u00e9, jako je nap\u0159. bydlen\u00ed, a i v tomhle p\u0159\u00edpad\u011b si pe\u010dliv\u011b vyb\u00edrat (i kdyby to m\u011blo trvat d\u00e9le) bankovn\u00ed instituci i druh \u00fav\u011bru \u010di hypot\u00e9ky2) odborn\u00edci doporu\u010duj\u00ed je\u0161t\u011b p\u0159edt\u00edm, ne\u017e si takovou p\u016fj\u010dku nebo hypot\u00e9ku vezmete, d\u00e1vat si stejnou \u010d\u00e1stku, jakou bude \u010dinit spl\u00e1tka, d\u00e1vat n\u011bkolik m\u011bs\u00edc\u016f stranou, abyste vid\u011bli, jak to zat\u00ed\u017e\u00ed V\u00e1\u0161 rodinn\u00fd rozpo\u010det3) dobr\u00e9 je, pokud to p\u016fjde, stanovit si m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky tak, abyste byli schopni dost\u00e1t sv\u00fdm finan\u010dn\u00edm z\u00e1vazk\u016fm ka\u017ed\u00fd m\u011bs\u00edc, i kdyby se V\u00e1\u0161 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem na n\u011bjakou dobu sn\u00ed\u017eil4) pokud tak neu\u010din\u00edte, sta\u010d\u00ed nespl\u00e1cet p\u00e1r m\u011bs\u00edc\u016f a m\u00e1te zad\u011bl\u00e1no na velk\u00e9 probl\u00e9my, pot\u00e9, abyste se vyhnuli exekuci a t\u00edm p\u00e1dem zabaven\u00ed majetku, p\u016fj\u010d\u00edte si narychlo u n\u011bkter\u00e9 z nebankovn\u00edch spole\u010dnost\u00ed, tam u\u017e se moc nerozm\u00fd\u0161l\u00edte, proto\u017ee pen\u00edze akutn\u011b pot\u0159ebujete, aby V\u00e1m nevzali st\u0159echu nad hlavou a snadno se tak v dluhov\u00e9 pasti ocitnete, p\u0159ibyde V\u00e1m toti\u017e dal\u0161\u00ed z\u00e1vazek k tomu, kter\u00fd jste nebyli schopni spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"DLUHOV\u00c1 PAST","item":"https:\/\/www.teson.cz\/dluhova-past\/#breadcrumbitem"}]}]