[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tarafuki.cz\/mate-problemy-s-penezi\/#Article","mainEntityOfPage":"https:\/\/www.tarafuki.cz\/mate-problemy-s-penezi\/","headline":"M\u00e1te probl\u00e9my s pen\u011bzi?","name":"M\u00e1te probl\u00e9my s pen\u011bzi?","description":"Jsou lid\u00e9, kte\u0159\u00ed si zvykli nakupovat na spl\u00e1tky. Nen\u00ed to \u017e\u00e1dn\u00e1 ostuda, proto\u017ee pokud najdete mo\u017enost koupit si dra\u017e\u0161\u00ed v\u011bc hned, ani\u017e byste na ni museli \u0161et\u0159it a je\u0161t\u011b k…","datePublished":"2025-12-23","dateModified":"2025-12-23","author":{"@type":"Person","@id":"https:\/\/www.tarafuki.cz\/author\/#Person","name":"tarafuki.cz\n","url":"https:\/\/www.tarafuki.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":"tarafuki.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tarafuki.cz\/wp-content\/uploads\/bmw-2964072_640_10_3.jpg","url":"https:\/\/www.tarafuki.cz\/wp-content\/uploads\/bmw-2964072_640_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.tarafuki.cz\/mate-problemy-s-penezi\/","about":["Slu\u017eby"],"wordCount":402,"articleBody":"        Jsou lid\u00e9, kte\u0159\u00ed si zvykli nakupovat na spl\u00e1tky. Nen\u00ed to \u017e\u00e1dn\u00e1 ostuda, proto\u017ee pokud najdete mo\u017enost koupit si dra\u017e\u0161\u00ed v\u011bc hned, ani\u017e byste na ni museli \u0161et\u0159it a je\u0161t\u011b k tomu o moc nep\u0159eplat\u00edte, je to velk\u00e1 v\u00fdhoda. D\u00edky n\u00e1kupu na spl\u00e1tky m\u016f\u017eete m\u00edt cokoliv hned a v\u011bt\u0161inou sta\u010d\u00ed, kdy\u017e dod\u00e1te potvrzen\u00ed o zam\u011bstn\u00e1n\u00ed. Bohu\u017eel nebankovn\u00ed spole\u010dnosti ne\u0159e\u0161\u00ed, kolik p\u016fj\u010dek m\u00e1te jinde a p\u016fj\u010d\u00ed v\u00e1m dal\u0161\u00ed pen\u00edze. Kdo je finan\u010dn\u011b negramotn\u00fd, m\u016f\u017ee se tak velmi rychle a jednodu\u0161e dostat do velk\u00e9ho probl\u00e9mu. Spl\u00e1tky se nakup\u00ed a nen\u00ed je z \u010deho spl\u00e1cet.Dlu\u017en\u00edci \u010dasto spol\u00e9haj\u00ed na to, \u017ee pokud budou spl\u00e1cet alespo\u0148 p\u00e1r korun, exekuce se jim vyhne. Ale tak to nen\u00ed. Na dluz\u00edch za\u010dnou nar\u016fstat \u00faroky, proto\u017ee dlu\u017en\u00e1 \u010d\u00e1stka nekles\u00e1, jak by m\u011bla. Pokud byste se n\u011bkdy dostali do takov\u00e9ho probl\u00e9mu, je nutn\u00e9 hned na za\u010d\u00e1tku informovat spole\u010dnost s c\u00edlem probl\u00e9m vy\u0159e\u0161it. M\u016f\u017ee v\u00e1m odlo\u017eit spl\u00e1tky a nebo je sn\u00ed\u017eit. Proto\u017ee cel\u00e1 \u0159ada lid\u00ed skon\u010dila v exekuc\u00edch nebo insolvenci, nemohou si koupit n\u011bkolik let nap\u0159\u00edklad nov\u00e9 auto, i kdy\u017e by jim usnadnilo \u017eivot. Pro vy\u0161\u0161\u00ed p\u016fj\u010dky si lid\u00e9 chod\u00ed v\u011bt\u0161inou \u017e\u00e1dat do banky, kter\u00e1 samoz\u0159ejm\u011b prov\u011b\u0159\u00ed, jak na tom \u017eadatel je s platebn\u00ed histori\u00ed. A pokud je n\u011bkdo v exekuci nebo je v insolvenci, pen\u00edze mu banka neposkytne. I p\u0159esto je ale mo\u017en\u00e9 si koupit auto na spl\u00e1tky v insolvenci. Nebankovn\u00ed spole\u010dnosti, kter\u00e9 poskytuj\u00ed auta na spl\u00e1tky, \u010dasto ne\u0159e\u0161\u00ed registry dlu\u017en\u00edk\u016f a poskytnou auto na spl\u00e1tky i tomu, kdo by u banky nepochodil. To, \u017ee spole\u010dnost nebere ohledy na registry dlu\u017en\u00edk\u016f ale neznamen\u00e1, \u017ee nebudete muset uhradit akontaci, kter\u00e1 je v\u011bt\u0161inou 10 – 20 % z ceny auta. Rovn\u011b\u017e je nutn\u00e9 m\u00edt z \u010deho spl\u00e1tky hradit, abyste se nedostali je\u0161t\u011b do v\u011bt\u0161\u00edch finan\u010dn\u00edch pot\u00ed\u017e\u00ed. Proto nejprve zva\u017ete, zda nebude lep\u0161\u00ed uhradit st\u00e1vaj\u00edc\u00ed dluhy a potom si teprve vz\u00edt dal\u0161\u00ed \u00fav\u011br t\u0159eba pr\u00e1v\u011b na auto.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"M\u00e1te probl\u00e9my s pen\u011bzi?","item":"https:\/\/www.tarafuki.cz\/mate-problemy-s-penezi\/#breadcrumbitem"}]}]