{"id":14392,"date":"2020-10-29T21:06:51","date_gmt":"2020-10-29T20:06:51","guid":{"rendered":"https:\/\/financer.com\/sk\/?page_id=14392"},"modified":"2024-01-23T12:30:14","modified_gmt":"2024-01-23T11:30:14","slug":"ako-sa-zbavit-dlhov","status":"publish","type":"how_to","link":"https:\/\/financer.com\/sk\/ako-na-to\/ako-sa-zbavit-dlhov\/","title":{"rendered":"Ako sa zbavi\u0165 dlhov?"},"content":{"rendered":"\n<p>Ur\u010dite sa mnoh\u00fdm z\u00a0n\u00e1s u\u017e niekedy stalo, \u017ee <strong>mesa\u010dn\u00e9 \u017eivotn\u00e9 n\u00e1klady prev\u00fd\u0161ili n\u00e1\u0161 mesa\u010dn\u00fd pr\u00edjem.<\/strong> \u010co robi\u0165 v\u00a0takom pr\u00edpade? M\u00e1me mo\u017enos\u0165 siahnu\u0165 po r\u00f4znych druhoch <a href=\"https:\/\/financer.com\/sk\/pozicky\/\">p\u00f4\u017ei\u010diek<\/a> poskytovan\u00fdch bankami, nebankov\u00fdmi subjektmi, v\u00a0ponuke s\u00fa aj <a href=\"https:\/\/financer.com\/sk\/pozicky\/pozicky-od-ludi\/\">P2P p\u00f4\u017ei\u010dky.<\/a><\/p>\n\n\n\n<p>P\u00f4\u017ei\u010dka je ve\u013emi u\u017eito\u010dn\u00fd n\u00e1stroj, ako prekona\u0165 kr\u00e1tkodob\u00fd nedostatok pe\u0148az\u00ed. Netreba v\u0161ak zab\u00fada\u0165, \u017ee<strong> ka\u017ed\u00fd \u00faver, ktor\u00fd m\u00e1me, je z\u00e1rove\u0148 na\u0161\u00edm dlhom.\u00a0<\/strong>Pri nevhodnom v\u00fdbere \u00faverov\u00e9ho produktu sa m\u00f4\u017eeme dosta\u0165 do situ\u00e1cie, kedy nest\u00edhame v\u010das spl\u00e1ca\u0165 v\u0161etky finan\u010dn\u00e9 z\u00e1v\u00e4zky. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>V\u00a0tomto bode sa za\u010d\u00edna ve\u013emi nebezpe\u010dn\u00fd koloto\u010d dlhov a\u00a0ich spl\u00e1cania in\u00fdmi dlhmi, z\u00a0ktor\u00e9ho nie je tak jednoduch\u00e9 sa dosta\u0165.\u00a0St\u00e1le v\u0161ak existuj\u00fa sp\u00f4soby, ako sa zbavi\u0165 dlhov. <strong data-rich-text-format-boundary=\"true\">Pon\u00fakame v\u00e1m nieko\u013eko u\u017eito\u010dn\u00fdch tipov<\/strong>, ktor\u00e9 v\u00e1m pom\u00f4\u017eu nielen predch\u00e1dza\u0165 zadl\u017eovaniu sa, ale aj zbavi\u0165 sa u\u017e existuj\u00facich dlhov.<\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ako_sa_zbavi_dlhov___krok_po_kroku\">Ako sa zbavi\u0165 dlhov &#8211; krok po kroku<\/h2>\n\n\n<div class=\"single-article__steps\"> <style>\n .single-article__steps-items .single-article__steps-content{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n width:calc(100% - 5px);\n}\n .single-article__steps-items .single-article__steps-counter{\n padding:5px 20px;\n border-radius:3px;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n\/* .single-article__steps-items::before{\n content:\"\";\n position:absolute;\n top:20px;\n left:0;\n height:calc(100% + 40px);\n border-left:2px dashed #e0e0e1;\n}*\/\n .single-article__conclusion-tag{\n padding:5px 20px;\n border-radius:3px;\n color:#000000;\n background-color:#F5E7D8;\n display:inline-block;\n top:15px;\n left:-30px;\n position:relative;\n font-size:16px;\n font-weight:600;\n}\n .single-article__conclusion-item{\n background:#FFFFFF;\n padding:30px;\n margin:0 0 30px 0;\n border-radius:10px;\n box-shadow:0 0 10px 0 rgba(0,0,0,0.14);\n}\n <\/style>\n <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Krok 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Objektivne-zhodnotte-situaciu\">Objekt\u00edvne zhodno\u0165te situ\u00e1ciu<\/h3><p>Nie je hanba prizna\u0165 si, \u017ee v\u00f4bec nejak\u00e9 dlhy m\u00e1me. Potrebujeme si to skuto\u010dne uvedomi\u0165 a postavi\u0165 sa probl\u00e9mu \u010delom. A\u017e potom sa m\u00f4\u017eeme postupne za\u010da\u0165 zbavova\u0165 dlhov.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Krok 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Majte-prehlad-o-vyske-vasich-dlhov\">Majte preh\u013ead o v\u00fd\u0161ke va\u0161ich dlhov<\/h3><p>Na \u00favod si dobre zr\u00e1tajte celkov\u00fa v\u00fd\u0161ku va\u0161ich dlhov. Nezabudnie na spl\u00e1tky p\u00f4\u017ei\u010diek, hypot\u00e9ky, pr\u00edpadne kreditn\u00e9 karty.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Krok 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Nepoziciavajte-si-ked-nemusite\">Nepo\u017ei\u010diavajte si, ke\u010f nemus\u00edte<\/h3><p>Pred \u010fal\u0161\u00edm po\u017ei\u010dan\u00edm ve\u013emi dobre zv\u00e1\u017ete, \u010di peniaze skuto\u010dne potrebujete. Mali by ste zabudn\u00fa\u0165 na to, \u017ee chcete spl\u00e1ca\u0165 va\u0161e dlhy \u010fal\u0161ou p\u00f4\u017ei\u010dkou. Toto je uzavret\u00fd kruh z ktor\u00e9ho je n\u00e1ro\u010dn\u00e9 sa vyhraba\u0165.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Krok 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Prehodnotte-vas-rozpocet\">Prehodno\u0165te v\u00e1\u0161 rozpo\u010det<\/h3><p>To, kam ka\u017ed\u00fd mesiac odch\u00e1dzaj\u00fa va\u0161e peniaze, najlep\u0161ie zis\u00edte vytvoren\u00edm rozpo\u010dtu a pravideln\u00fdm sledovan\u00edm pr\u00edjmov a v\u00fddavkov. Sk\u00faste si vies\u0165 rodinn\u00fd alebo osobn\u00fd rozpo\u010det aspo\u0148 3 po sebe id\u00face mesiace a n\u00e1jdite priestor na zlep\u0161enie.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_5\">Krok 5<\/div><div class=\"single-article__steps-content\"><h3 id=\"Konsolidujte-svoje-zavazky\">Konsolidujte svoje z\u00e1v\u00e4zky<\/h3><p>V pr\u00edpade, \u017ee u\u017e m\u00e1te nieko\u013eko finan\u010dn\u00fdch z\u00e1v\u00e4zkov, napr\u00edklad spl\u00e1tky viacer\u00fdch p\u00f4\u017ei\u010diek vo viacer\u00fdch bank\u00e1ch, m\u00f4\u017eete ich refinancova\u0165 alebo konsolidova\u0165. Z\u00edskate tak lep\u0161\u00ed \u00farok a jednu spl\u00e1tku namiesto viacer\u00fdch.<\/p><\/div><\/div> <div class=\"single-article__conclusion\">\n <div class=\"single-article__conclusion-tag alt\" id=\"step_6\">Krok 6<\/div><div class=\"single-article__conclusion-item\"><div class=\"single-article__conclusion-content\"><h3 id=\"Zvazte-sluzby-financneho-poradcu\">Zv\u00e1\u017ete slu\u017eby finan\u010dn\u00e9ho poradcu<\/h3><p>Ak m\u00e1me zdravotn\u00fd probl\u00e9m, ideme k doktorovi. Ak m\u00e1me probl\u00e9m s financiami, je prirodzen\u00e9 vyh\u013eada\u0165 slu\u017eby finan\u010dn\u00e9ho poradcu, ktor\u00fd n\u00e1m pom\u00f4\u017ee z\u00edska\u0165 triezvy poh\u013ead na vec a pok\u00fasi sa vyrie\u0161i\u0165 na\u0161e finan\u010dn\u00e9 prob\u00e9lmy.<\/p><\/div><\/div> <\/div>\n <\/div>\n\n\n<hr class=\"wp-block-separator has-css-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i1_Objektvne_zhodnote_situciu\">1. Objekt\u00edvne zhodno\u0165te situ\u00e1ciu<\/h2>\n\n\n\n<p>Prv\u00fdm a\u00a0sn\u00e1\u010f najd\u00f4le\u017eitej\u0161\u00edm krokom k\u00a0zbaveniu sa dl\u017e\u00f4b je <strong>pripusti\u0165 si, \u017ee nejak\u00e9 m\u00e1te. <\/strong>Nie je to hanba. Do dlhov sa m\u00f4\u017eete dosta\u0165 aj ke\u010f s\u00a0peniazmi hospod\u00e1rite rozumne a\u00a0rozv\u00e1\u017ene, sta\u010d\u00ed v\u00e1m jedin\u00e1 neo\u010dak\u00e1van\u00e1 situ\u00e1cia, ktor\u00e1 prive\u013emi za\u0165a\u017e\u00ed v\u00e1\u0161 <a href=\"https:\/\/financer.com\/sk\/ako-na-to\/rodinny-rozpocet\/\">rodinn\u00fd rozpo\u010det.\u00a0<\/a><\/p>\n\n\n\n<p>Nech u\u017e je d\u00f4vod va\u0161ich dlhov ak\u00fdko\u013evek, <strong>pristupujte k\u00a0situ\u00e1cii zodpovedne a\u00a0nezatv\u00e1rajte o\u010di pred realitou.<\/strong> Neodkladajte pr\u00edpadn\u00e9 upomienky od svojich verite\u013eov do z\u00e1suvky s\u00a0o\u010dak\u00e1van\u00edm, \u017ee sa to vyrie\u0161i sam\u00e9.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>V\u017edy m\u00e1te nieko\u013eko mo\u017enost\u00ed, ako splati\u0165 va\u0161e finan\u010dn\u00e9 z\u00e1v\u00e4zky, je v\u0161ak potrebn\u00e9 venova\u0165 dostatok \u010dasu ich presk\u00famaniu a\u00a0zhodnoteniu.<\/p>\n<p><strong data-rich-text-format-boundary=\"true\">Odkladan\u00edm va\u0161e dlhy len narast\u00fa v\u010faka zmluvn\u00fdm pokut\u00e1m a\u00a0\u010dasom v\u00e1m m\u00f4\u017ee hrozi\u0165 a\u017e exek\u00facia<\/strong>. Zachovajte preto chladn\u00fa hlavu a\u00a0postavte sa va\u0161im dlhom \u010delom.<\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i2_Majte_prehad_ovke_vaich_dlhov\">2. Majte preh\u013ead o\u00a0v\u00fd\u0161ke va\u0161ich dlhov<\/h2>\n\n\n\n<p>Prv\u00fdm krokom k\u00a0tomu, aby ste sa mohli zbavi\u0165 dlhov je<strong> vedie\u0165, ak\u00e9 ve\u013ek\u00e9 va\u0161e dlhy s\u00fa.<\/strong> Sadnite s\u00a0a\u00a0zr\u00e1tajte celkov\u00fa v\u00fd\u0161ku va\u0161ich zatia\u013e nesplaten\u00fdch z\u00e1v\u00e4zkov. <\/p>\n\n\n\n<p>Okrem <a href=\"https:\/\/financer.com\/sk\/pozicky\/hypoteka\/\">hypot\u00e9ky<\/a>, <a href=\"https:\/\/financer.com\/sk\/pozicky\/spotrebny-uver\/\">spotrebn\u00fdch \u00faverov<\/a> a\u00a0p\u00f4\u017ei\u010diek mus\u00edte do kalkul\u00e1cie zahrn\u00fa\u0165 aj <a href=\"https:\/\/financer.com\/sk\/kreditna-karta\/\">kreditn\u00e9 karty<\/a>, spl\u00e1tky oper\u00e1torovi za mobiln\u00fd telef\u00f3n alebo spl\u00e1canie <a href=\"https:\/\/financer.com\/sk\/osobne-financie\/klasicky-leasing\/\">leasingu za auto<\/a>. Je d\u00f4le\u017eit\u00e9, aby ste vedeli o\u00a0ka\u017edej va\u0161ej podl\u017enosti a\u00a0mali preh\u013ead vo vlastn\u00fdch financi\u00e1ch.<\/p>\n\n\n\n<p>Pom\u00f4c\u0165 v\u00e1m m\u00f4\u017ee <a href=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2018\/08\/Osobny_rozpocet.xlsx\">preh\u013eadn\u00e1 tabu\u013eka na osobn\u00fd rozpo\u010det<\/a> od Financer.com Slovensko.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large shortcode-no\"><img decoding=\"async\" width=\"795\" height=\"669\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/07\/osobny-rozpocet-financer-min.png\" alt=\"osobny-rozpocet-financer-min\" class=\"wp-image-3705\" srcset=\"https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/07\/osobny-rozpocet-financer-min.png 795w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/07\/osobny-rozpocet-financer-min-300x252.png 300w, https:\/\/financer.com\/app\/uploads\/sites\/13\/2019\/07\/osobny-rozpocet-financer-min-768x646.png 768w\" sizes=\"(max-width: 795px) 100vw, 795px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i3_Nepoiiavajte_si_ke_nemuste\">3. Nepo\u017ei\u010diavajte si, ke\u010f nemus\u00edte<\/h2>\n\n\n\n<p>Ak uva\u017eujete o\u00a0p\u00f4\u017ei\u010dke, je pre v\u00e1s k\u013e\u00fa\u010dov\u00e9 uvedomi\u0165 si, \u010di ju naozaj potrebujete. Po\u017ei\u010diava\u0165 si peniaze, ktor\u00e9 nem\u00e1te, na nie\u010do, \u010do nepotrebujete, nie je najlep\u0161\u00ed n\u00e1pad.\u00a0Nepodliehajte preto trendu \u201e\u017eitia na dlh\u201c a <strong>vyvarujte sa finan\u010dne nezodpovedn\u00e9mu a\u00a0impulz\u00edvnemu konaniu<\/strong>. <\/p>\n\n\n\n<p><strong>Ak u\u017e chcete \u017eiada\u0165 o\u00a0p\u00f4\u017ei\u010dku, premyslite si, \u010di ju nevyhnutne potrebujete <\/strong>alebo si za po\u017ei\u010dan\u00e9 peniaze chcete k\u00fapi\u0165 nov\u00e9 dom\u00e1ce kino. Ak je spr\u00e1vna druh\u00e1 mo\u017enos\u0165, \u017eiada\u0165 o\u00a0\u00faver nie je potrebn\u00e9 a\u00a0ani vhodn\u00e9.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i4_Nevytvrajte_alie_dlhy\">4. Nevytv\u00e1rajte \u010fal\u0161ie dlhy<\/h2>\n\n\n\n<p>Ak <strong>ste v\u00a0situ\u00e1cii, ktor\u00e1 v\u00e1m nedovo\u013euje zaplati\u0165 spl\u00e1tku hypot\u00e9ky \u010di spotrebn\u00e9ho \u00faveru, <\/strong>h\u013eadajte mo\u017enos\u0165 ako va\u0161e p\u00f4\u017ei\u010dky <a href=\"https:\/\/financer.com\/sk\/pozicky\/konsolidacia-uveru\/\">konsolidova\u0165<\/a> alebo <a href=\"https:\/\/financer.com\/sk\/pozicky\/refinancovanie-uveru\/\" data-type=\"page\" data-id=\"1798\">refinancova\u0165<\/a>. Nenechajte sa strhn\u00fa\u0165 vidinou <a href=\"https:\/\/financer.com\/sk\/pozicky\/rychla-pozicka\/\">r\u00fdchlej p\u00f4\u017ei\u010dky<\/a>, ktorou zaplat\u00edte najnaliehavej\u0161ie dlhy.\u00a0<\/p>\n\n\n\n<p><strong>Mnoh\u00e9 tak\u00e9to r\u00fdchle p\u00f4\u017ei\u010dky so sebou prin\u00e1\u0161aj\u00fa privysok\u00e9 \u00faroky,<\/strong> ktor\u00e9 v\u00e1m m\u00f4\u017eu sp\u00f4sobi\u0165 probl\u00e9my. \u010c\u00edm dlh\u0161ie v\u00e1s tak\u00e1to p\u00f4\u017ei\u010dka zav\u00e4zuje, t\u00fdm viac pe\u0148az\u00ed v\u00e1s stoj\u00ed.\u00a0<\/p>\n\n\n\n<p><strong>D\u00f4le\u017eit\u00fdm krokom pre spr\u00e1vne hospod\u00e1renie s\u00a0financiami je dobre nastaven\u00fd rozpo\u010det.<\/strong> Pokia\u013e mesa\u010dne m\u00ed\u0148ate ve\u013ek\u00fa \u010das\u0165 v\u00e1\u0161ho pr\u00edjmu na veci, ktor\u00e9 nepotrebujete, nem\u00f4\u017eete si tvori\u0165 dostato\u010dn\u00fa <a href=\"https:\/\/financer.com\/sk\/ako-na-to\/financna-rezerva\/\">finan\u010dn\u00fa rezervu.<\/a><\/p>\n\n\n\n<p>Pr\u00e1ve t\u00e1 v\u00e1s m\u00f4\u017ee uchr\u00e1ni\u0165 pred zadl\u017een\u00edm sa napr\u00edklad pri kr\u00e1tkodobom v\u00fdpadku pr\u00edjmov. <strong>Za\u010dnite si vies\u0165 zoznam mesa\u010dn\u00fdch v\u00fddavkov, pok\u00faste sa eliminova\u0165 nadbyto\u010dn\u00e9 v\u00fddaje<\/strong> a\u00a0sna\u017ete sa odlo\u017ei\u0165 si mesa\u010dne 10 % pr\u00edjmov nabok ako \u017eelezn\u00fa rezervu.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i5_Konsolidujte_finann_zvzky\">5. Konsolidujte finan\u010dn\u00e9 z\u00e1v\u00e4zky<\/h2>\n\n\n\n<p><strong>Pokia\u013e m\u00e1te probl\u00e9m so spl\u00e1can\u00edm viacer\u00fdch podl\u017enost\u00ed s\u00fa\u010dasne<\/strong> (\u00faver v\u00a0banke, r\u00fdchla p\u00f4\u017ei\u010dka z\u00a0nebankovky, dlhy z\u00a0kreditn\u00fdch kariet a\u00a0pod.), zv\u00e1\u017ete po\u017eiadanie o\u00a0konsolida\u010dn\u00fd \u00faver v\u00a0banke \u010di v\u00a0niektorej z\u00a0nebankoviek, ktor\u00e9 t\u00fato slu\u017ebu pon\u00fakaj\u00fa.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p><\/p>\n<p><a href=\"https:\/\/financer.com\/sk\/pozicky\/konsolidacia-uveru\/\" data-type=\"page\" data-id=\"11074\">Konsolida\u010dn\u00fd \u00faver<\/a> znamen\u00e1 <strong>zjednotenie v\u0161etk\u00fdch va\u0161ich finan\u010dn\u00fdch z\u00e1v\u00e4zkov do jednej p\u00f4\u017ei\u010dky, <\/strong>ktor\u00fa pou\u017eijete na zaplatenie doteraj\u0161\u00edch podl\u017enost\u00ed.<\/p>\n<p> <\/p>\n<p><strong>Po konsolid\u00e1cii tak u\u017e budete spl\u00e1ca\u0165 iba jeden \u00faver s v\u00fdhodnej\u0161\u00edmi podmienkami<\/strong> \u2013 ni\u017e\u0161ia \u00farokov\u00e1 sadzba, ni\u017e\u0161ia mesa\u010dn\u00e1 spl\u00e1tka, dokonca skr\u00e1tenie \u010di pred\u013a\u017eenie doby spl\u00e1cania pod\u013ea potreby.<\/p>\n<p><\/p><\/div>\n\n\n<p>\u010eal\u0161ou v\u00fdhodou konsolida\u010dn\u00e9ho \u00faveru je, \u017ee <strong>m\u00f4\u017eete u\u0161etri\u0165 nemal\u00e9 peniaze na poplatkoch. <\/strong>U\u00a0niektor\u00fdch poskytovate\u013eov sa v\u0161ak m\u00f4\u017eete stretn\u00fa\u0165 s\u00a0jednorazov\u00fdm poplatkom za sprostredkovanie.\u00a0<\/p>\n\n\n\n<p>Medzi v\u00fdhody konsolida\u010dnej p\u00f4\u017ei\u010dky patr\u00ed aj <strong>mo\u017enos\u0165 nav\u00fd\u0161i\u0165 objem \u00faveru<\/strong> a\u00a0tieto extra peniaze vyu\u017ei\u0165 pod\u013ea vlastn\u00e9ho uv\u00e1\u017eenia. Ale bu\u010fte k\u00a0sebe \u00faprimn\u00ed \u2013 naozaj sa chcete po doteraj\u0161\u00edch sk\u00fasenostiach op\u00e4\u0165 zadl\u017eova\u0165 nad r\u00e1mec?<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"TIP\">TIP<\/h3><p><\/p>\n<p><strong>Ak spl\u00e1cate len jeden \u00faver, no u\u017e v\u00e1m nevyhovuj\u00fa podmienky<\/strong> (\u00farokov\u00e1 sadzba, poplatky a podobne), m\u00f4\u017eete ho refinancova\u0165 v inej banke. Princ\u00edp je ten ist\u00fd ako pri konsolid\u00e1cii, vymie\u0148ate teda jeden, nevyhovuj\u00faci produkt za nov\u00fa p\u00f4\u017ei\u010dku s lep\u0161\u00edmi podmienkami.<\/p>\n<p> <\/p>\n<p><a href=\"https:\/\/financer.com\/sk\/pozicky\/refinancovanie-uveru\/\">Refinancova\u0165 \u00faver<\/a> je mo\u017en\u00e9 v\u00a0niektor\u00fdch bank\u00e1ch aj bezplatne, m\u00f4\u017eete sa v\u0161ak stretn\u00fa\u0165 s\u00a0pokutou za pred\u010dasn\u00e9 splatenie u\u00a0p\u00f4vodn\u00e9ho poskytovate\u013ea.<\/p>\n<p><\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i6_Zvte_sluby_finannho_poradcu\">6. Zv\u00e1\u017ete slu\u017eby finan\u010dn\u00e9ho poradcu<\/h2>\n\n\n\n<p><strong>Jedn\u00fdm z\u00a0vhodn\u00fdch krokov pri rie\u0161en\u00ed v\u00e1\u0161ho zadl\u017eenia je necha\u0165 si poradi\u0165. <\/strong>Pouva\u017eujte preto nad finan\u010dn\u00fdm poradcom. Ako odborn\u00edk v\u00e1m poskytne triezvy poh\u013ead na situ\u00e1ciu a\u00a0pon\u00fakne vhodn\u00fd sp\u00f4sob, ako spravova\u0165 va\u0161e finan\u010dn\u00e9 z\u00e1v\u00e4zky.\u00a0<\/p>\n\n\n\n<p>Dobr\u00fd poradca<strong> v\u00e1m pom\u00f4\u017ee aj s\u00a0anal\u00fdzou va\u0161ich v\u00fddavkov a\u00a0vhodn\u00fdm nastaven\u00edm rozpo\u010dtu. <\/strong>R\u00e1tajte s\u00a0t\u00fdm, \u017ee slu\u017eby poradcu nie s\u00fa v\u017edy zadarmo, no v\u00a0kone\u010dnom d\u00f4sledku v\u00e1m u\u0161etria \u010das a\u00a0aj peniaze, ktor\u00e9 u\u017e nebudete zbyto\u010dne prepl\u00e1ca\u0165 na \u00farokoch.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i7_Vyhlste_osobn_bankrot\">7. Vyhl\u00e1ste osobn\u00fd bankrot<\/h2>\n\n\n\n<p>Slovn\u00e9 spojenie <a href=\"https:\/\/financer.com\/sk\/osobne-financie\/osobny-bankrot\/\" data-type=\"page\" data-id=\"2539\">osobn\u00fd bankrot<\/a> ozna\u010duje <strong>z\u00e1konom upraven\u00fd proces, po\u010das ktor\u00e9ho sa ak\u00e1ko\u013evek fyzick\u00e1 osoba m\u00f4\u017ee zbavi\u0165 svojich dlhov<\/strong>. Pre tento proces sa taktie\u017e zvykne pou\u017e\u00edva\u0165 pojem odd\u013a\u017eenie.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Zbavi\u0165 sa dlhov vyhl\u00e1sen\u00edm osobn\u00e9ho bankrotu <strong data-rich-text-format-boundary=\"true\">m\u00f4\u017eete len v\u00a0pr\u00edpade, \u017ee je vo\u010di v\u00e1m veden\u00e9 exeku\u010dn\u00e9 konanie dlh\u0161ie ako 12 mesiacov. <\/strong><\/p>\n<p>\u010eal\u0161\u00edmi podmienkami s\u00fa platobn\u00e1 neschopnos\u0165 a nevyhnutnos\u0165 preuk\u00e1za\u0165 poctiv\u00fd z\u00e1mer, resp. \u017ee sa sna\u017e\u00edte poctivo splati\u0165 v\u0161etky dl\u017eoby va\u0161ich verite\u013eov.<\/p><\/div>\n\n\n<p>V\u00a0r\u00e1mci osobn\u00e9ho bankrotu si m\u00f4\u017eete vybra\u0165, \u010di v\u00e1m viac vyhovuje<strong> zbavi\u0165 sa dlhov prostredn\u00edctvom konkurzu alebo formou spl\u00e1tkov\u00e9ho kalend\u00e1ra.<\/strong><\/p>\n\n\n\n<p><strong>K\u013e\u00fa\u010dov\u00fdm pri vyhl\u00e1sen\u00ed osobn\u00e9ho bankrotu je obr\u00e1tenie sa na overen\u00fa spolo\u010dnos\u0165, <\/strong>ako napr\u00edklad Bonato. T\u00e1to oddl\u017eovacia spolo\u010dnos\u0165 predstavuje va\u0161e zast\u00fapenie na Centre pr\u00e1vnej pomoci a\u00a0bude v\u00e1s informova\u0165 o\u00a0priebehu procesu oddl\u017eovania. Viac podrobnost\u00ed o\u00a0osobnom bankrote a\u00a0jeho priebehu n\u00e1jdete <a href=\"https:\/\/financer.com\/sk\/osobne-financie\/osobny-bankrot\/\">tu<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Pozor\">Pozor!<\/h3><p><\/p>\n<p>Okrem spolo\u010dnosti <a href=\"https:\/\/financer.com\/sk\/spolocnost\/bonato\/\">Bonato<\/a> existuje nieko\u013eko \u010fal\u0161\u00edch oddl\u017eovac\u00edch agent\u00far, ktor\u00e9 s\u013eubuj\u00fa, \u017ee za v\u00e1s bud\u00fa spravova\u0165 va\u0161e finan\u010dn\u00e9 z\u00e1v\u00e4zky, no nevedia v\u00e1m zaru\u010di\u0165, \u017ee v\u00e1s skuto\u010dne zbavia dlhov.<\/p>\n<p> <\/p>\n<p>Bu\u010fte preto pri v\u00fdbere opatrn\u00ed a ak sa u\u017e mus\u00edte obr\u00e1ti\u0165 na oddl\u017eovaciu spolo\u010dnos\u0165, Bonato s nieko\u013ekoro\u010dn\u00fdmi sk\u00fasenos\u0165ami a tis\u00edckami \u00faspe\u0161ne odd\u013a\u017een\u00fdch klientov je tou spr\u00e1vnou vo\u013ebou.<\/p>\n<p><\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i8_Poiadajte_o_odklad_spltok\">8. Po\u017eiadajte o odklad spl\u00e1tok<\/h2>\n\n\n\n<p>Ak v\u00e1s postretli finan\u010dn\u00e9 \u0165a\u017ekosti a\u00a0<strong>m\u00e1te obavy, \u017ee nebudete schopn\u00ed spl\u00e1ca\u0165 va\u0161e p\u00f4\u017ei\u010dky na\u010das, <\/strong>m\u00f4\u017eete po\u017eiada\u0165 o\u00a0odklad spl\u00e1tok. Tak\u00fdto krok odpor\u00fa\u010dame vtedy, ak dok\u00e1\u017eete va\u0161u neschopnos\u0165 spl\u00e1ca\u0165 vyrie\u0161i\u0165 v\u00a0priebehu nieko\u013ek\u00fdch mesiacov, teda v\u00a0relat\u00edvne kr\u00e1tkom \u010dase.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p><\/p>\n<p><strong>M\u00f4\u017eete si zvoli\u0165 medzi odkladom spl\u00e1tok alebo pred\u013a\u017een\u00edm doby spl\u00e1cania. <\/strong>Z\u00edskate tak \u010das, ktor\u00fd potrebujete na stabiliz\u00e1ciu va\u0161ej finan\u010dnej situ\u00e1cie.<\/p>\n<p> <\/p>\n<p><strong>O\u00a0odklad je mo\u017en\u00e9 \u017eiada\u0165 vtedy, ak ste doteraz spl\u00e1cali bez ome\u0161kania<\/strong>. V\u00a0pr\u00edpade \u017ee ste spl\u00e1tku nezaplatili alebo ste sa oneskorili, banka \u010di nebankovka v\u00e1m pri \u017eiadosti o\u00a0odklad nemusia vyjs\u0165 v\u00a0\u00fastrety.<\/p>\n<p><\/p><\/div>\n\n\n<p>Odklad spl\u00e1tok, resp. pred\u013a\u017eenie doby spl\u00e1cania sa toti\u017e zaznamen\u00e1va <a href=\"https:\/\/financer.com\/sk\/wiki\/uverovy-register\/\">v\u00a0\u00faverovom registri,<\/a> \u010do v\u00e1m m\u00f4\u017ee za ist\u00fdch okolnost\u00ed skomplikova\u0165 pr\u00edpadn\u00e9 \u017eiadanie o\u00a0\u010fal\u0161iu p\u00f4\u017ei\u010dku.\u00a0<\/p>\n\n\n\n<p><strong>T\u00e1to mo\u017enos\u0165 taktie\u017e znamen\u00e1, \u017ee za v\u00e1\u0161 \u00faver zaplat\u00edte viac.<\/strong> Z\u00edskate s\u00edce p\u00e1r mesiacov vo\u013ena, kedy sa nemus\u00edte tr\u00e1pi\u0165 spl\u00e1can\u00edm , no \u00faroky za toto obdobie sa rozr\u00e1taj\u00fa do \u010fal\u0161\u00edch spl\u00e1tok.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>Ve\u013ea \u013eud\u00ed vyu\u017eilo mo\u017enos\u0165 odkladu spl\u00e1tok, ke\u010f pand\u00e9mia v\u00edrusu COVID-19 obmedzila ich pr\u00edjmy. <strong>Nesiahajte v\u0161ak po tejto mo\u017enosti, pokia\u013e m\u00e1te vytvoren\u00fa ist\u00fa finan\u010dn\u00fa rezervu<\/strong> alebo sa v\u00e1m drasticky nezn\u00ed\u017eil pr\u00edjem.<\/p><\/div>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"i9_Nmietka_zpremlania\">9. N\u00e1mietka z\u00a0preml\u010dania<\/h2>\n\n\n\n<p>Aj ke\u010f spravujete svoje peniaze zodpovedne a\u00a0nie ste si vedom\u00ed \u017eiadnej aktu\u00e1lnej nevyrovnanej podl\u017enosti, <strong>m\u00f4\u017eete sa sta\u0165 obe\u0165ou ne\u010destnej taktiky niektor\u00fdch spolo\u010dnost\u00ed a\u00a0dosta\u0165 sa do dlhov.\u00a0<\/strong><\/p>\n\n\n\n<p>T\u00e1to taktika sa zaklad\u00e1 na tom, \u017ee<strong> ste v\u00a0minulosti nesplatili, respekt\u00edve zabudli splati\u0165 z\u00e1v\u00e4zok u\u00a0danej spolo\u010dnosti.<\/strong> T\u00e1 ho od v\u00e1s nevym\u00e1hala okam\u017eite, ale nechala dlh r\u00e1s\u0165 a\u00a0kontaktovala v\u00e1s po nieko\u013ek\u00fdch rokoch, ke\u010f poh\u013ead\u00e1vka spolu s\u00a0pokutami za ome\u0161kanie dosahovala astronomick\u00fa v\u00fd\u0161ku.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Ak sa do takejto situ\u00e1cie dostanete, <strong>m\u00f4\u017ee v\u00e1m pom\u00f4c\u0165 tzv. n\u00e1mietka z\u00a0preml\u010dania. <\/strong>Pod\u013ea tohto in\u0161tit\u00fatu nem\u00f4\u017ee verite\u013e od v\u00e1s vym\u00e1ha\u0165 zaplatenie dlhu, ak tak neurobil po\u010das troch rokov od jeho vzniku (t.j. tri roky od nezaplatenia spl\u00e1tky).<\/p><\/div>\n\n\n<p>V\u00fdnimkami z\u00a0trojro\u010dnej preml\u010dacej lehoty s\u00fa z\u00e1v\u00e4zky z\u00a0obchodn\u00fdch vz\u0165ahov, kedy je preml\u010dacia doba \u0161tyri roky, pri n\u00e1hrade \u0161kody dva roky a\u00a0pri \u00famyselne sp\u00f4sobenej \u0161kode desa\u0165 rokov.<\/p>\n\n\n\n<p>Ak sa v\u00e1m teda ozvala nebankov\u00e1 spolo\u010dnos\u0165, ktor\u00e1 v\u00e1m pred \u00f4smimi rokmi poskytla p\u00f4\u017ei\u010dku a\u00a0\u017eiada od v\u00e1s splatenie vysokej sumy pe\u0148az\u00ed, zachovajte pokoj a\u00a0zistite si, \u010di na vym\u00e1hanie tohto dlhu spolo\u010dnos\u0165 m\u00e1 z\u00e1konn\u00e9 pr\u00e1vo. Ak nie, <strong>uplatnite n\u00e1mietku z\u00a0preml\u010dania a\u00a0\u010falej v\u00e1s tento \u201edlh\u201c za\u0165a\u017eova\u0165 nebude.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\">\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Zver\">Z\u00e1ver<\/h2>\n\n\n\n<p><strong>Alarmuj\u00faco vysok\u00e9 percento Slov\u00e1kov je zvyknut\u00fdch \u017ei\u0165 na dlh. <\/strong>Nie v\u017edy v\u0161ak pri \u017eiadosti o\u00a0p\u00f4\u017ei\u010dku dostato\u010dne zv\u00e1\u017eime v\u0161etky okolnosti a\u00a0rizik\u00e1, ktor\u00e9 n\u00e1s nesk\u00f4r m\u00f4\u017eu dosta\u0165 do komplik\u00e1cii.<\/p>\n\n\n\n<p>Ak sa <strong>sna\u017e\u00edte stabilizova\u0165 va\u0161u finan\u010dn\u00fa situ\u00e1ciu, bude to vy\u017eadova\u0165 ve\u013ek\u00fa d\u00e1vku discipl\u00edny <\/strong>a\u00a0akt\u00edvny pr\u00edstup k\u00a0rie\u0161eniu situ\u00e1cie. D\u00f4le\u017eit\u00e1 je\u00a0taktie\u017e otvoren\u00e1 komunik\u00e1cia s\u00a0bankami, v\u010faka ktorej si m\u00f4\u017eete u\u013eah\u010di\u0165 spl\u00e1canie dlhov vyjednan\u00edm lep\u0161\u00edch podmienok.\u00a0<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"u010casto_kladenu00e9_otu00e1zky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Kedy \u017eiada\u0165 o\u00a0odklad spl\u00e1tok?<\/h4><div class=\"faq_inner\"><p class=\"p1\">O\u00a0odklad \u017eiadajte len v\u00a0pr\u00edpade, kedy je ohrozen\u00e9 va\u0161e podnikanie alebo v\u00e1m cite\u013ene poklesli pr\u00edjmy. Odklad sl\u00fa\u017ei na to, aby ste dok\u00e1zali preklen\u00fa\u0165 kr\u00e1tkodob\u00fd nedostatok financi\u00ed. Poskytne v\u00e1m viac \u010dasu, no v\u00a0kone\u010dnom d\u00f4sledku e\u0161te nav\u00fd\u0161i sumu \u00faveru, ktor\u00fd spl\u00e1cate.<\/p><\/div><h4>\u010co je to konsolid\u00e1cia a\u00a0ako mi pom\u00f4\u017ee?<\/h4><div class=\"faq_inner\"><p class=\"p1\">Konsolidova\u0165 va\u0161e finan\u010dn\u00e9 z\u00e1v\u00e4zky ako napr\u00edklad dlhy z kreditn\u00fdch kariet, l\u00edzing \u010di \u00faverov do jednej p\u00f4\u017ei\u010dky. Z\u00edskan\u00e9 peniaze pou\u017eijete na vyplatenie predo\u0161l\u00fdch z\u00e1v\u00e4zkov a \u010falej budete spl\u00e1ca\u0165 iba jeden \u00faver. T\u00fdmto sp\u00f4sobom u\u0161etr\u00edte nemal\u00e9 peniaze na \u00farokoch \u010di poplatkoch a\u00a0m\u00f4\u017eete si skr\u00e1ti\u0165 \u010di pred\u013a\u017ei\u0165 dobu spl\u00e1cania a\u00a0taktie\u017e upravi\u0165 v\u00fd\u0161ku spl\u00e1tky.<\/p><\/div><h4>Ako sa zbavi\u0165 exek\u00faci\u00ed?<\/h4><div class=\"faq_inner\"><p class=\"p1\">Ak sa dlhodobo neviete zbavi\u0165 dlhov a je vo\u010di v\u00e1m veden\u00e9 exeku\u010dn\u00e9 konanie dlh\u0161ie ako 1 rok, m\u00f4\u017eete vyhl\u00e1si\u0165 <a href=\"https:\/\/financer.com\/sk\/osobne-financie\/osobny-bankrot\/\">osobn\u00fd bankrot<\/a>. Osobn\u00fd bankrot neznamen\u00e1 dosta\u0165 sa a\u017e na finan\u010dn\u00e9 dno, je to z\u00e1konom riaden\u00fd proces oddl\u017eovania. M\u00e1te na v\u00fdber konkurz, teda spe\u0148a\u017eenie \u010dasti majetku na zaplatenie dlhov, alebo nastavenie spl\u00e1tkov\u00e9ho kalend\u00e1ra.<\/p><\/div><h4>\u010co znamen\u00e1 refinancovanie p\u00f4\u017ei\u010dky?<\/h4><div class=\"faq_inner\"><p class=\"p1\">In\u00fdmi slovami je to v\u00fdmena starej p\u00f4\u017ei\u010dky s nevyhovuj\u00facimi podmienkami za nov\u00fd \u00faverov\u00fd produkt s v\u00fdhodnej\u0161\u00edmi podmienkami, napr\u00edklad s ni\u017e\u0161ou \u00farokovou sadzbou. <a href=\"https:\/\/financer.com\/sk\/pozicky\/refinancovanie-uveru\/\">Refinancova\u0165 p\u00f4\u017ei\u010dku<\/a> je mo\u017en\u00e9 v\u00a0tej istej banke, nev\u00e1hajte v\u0161ak presk\u00fama\u0165 podmienky na trhu a\u00a0pokojne vyu\u017eite slu\u017eby inej banky.<\/p><\/div><h4>Ako sa vyhn\u00fa\u0165 dlhom?<\/h4><div class=\"faq_inner\"><p class=\"p1\">Z\u00e1kladom je nebra\u0165 si viac p\u00f4\u017ei\u010diek, ako viete splati\u0165 na veci, ktor\u00e9 nepotrebujete. Okrem prior\u00edt si nezabudnite nastavi\u0165 rozpo\u010det tak, aby ste si mesa\u010dne vedeli odlo\u017ei\u0165 \u010das\u0165 pr\u00edjmov nabok a vytvori\u0165 si finan\u010dn\u00fa rezervu. Trval\u00e9 odkladanie 10 % z pr\u00edjmov mesa\u010dne v\u00e1m pom\u00f4\u017ee prekona\u0165 kr\u00e1tkodob\u00e9 finan\u010dn\u00e9 v\u00fdkyvy bez potreby po\u017ei\u010da\u0165 si peniaze v banke \u010di nebankovke a zad\u013a\u017ei\u0165 sa.<\/p><\/div><\/div>","protected":false},"author":87,"featured_media":17229,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[39],"_links":{"self":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/how_to\/14392"}],"collection":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/how_to"}],"about":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/types\/how_to"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/users\/87"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/comments?post=14392"}],"version-history":[{"count":32,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/how_to\/14392\/revisions"}],"predecessor-version":[{"id":44984,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/how_to\/14392\/revisions\/44984"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media\/17229"}],"wp:attachment":[{"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/media?parent=14392"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/sk\/wp-json\/wp\/v2\/categories?post=14392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}