[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hc3.cz\/na-dluhy-pozor\/#Article","mainEntityOfPage":"https:\/\/www.hc3.cz\/na-dluhy-pozor\/","headline":"Na dluhy pozor","name":"Na dluhy pozor","description":"Ka\u017ed\u00fd by m\u011bl m\u00edt sjednan\u00e9 poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad nemoci \u010di \u00farazu. Kdo m\u00e1 sjednanou hypot\u00e9ku, m\u011bl by m\u00edt sjednan\u00e9 i poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad pracovn\u00ed neschopnosti a \u00famrt\u00ed. Pokud \u010dlov\u011bk nem\u016f\u017ee hypot\u00e9ku spl\u00e1cet, dost\u00e1v\u00e1 se t\u00edm do prodlen\u00ed. A b\u00fdt v prodlen\u00ed se spl\u00e1cen\u00edm hypot\u00e9ky znamen\u00e1, \u017ee se na \u010dlov\u011bka budou valit dal\u0161\u00ed a dal\u0161\u00ed probl\u00e9my. &hellip; <p class=\"link-more\"><a href=\"https:\/\/www.hc3.cz\/na-dluhy-pozor\/\" class=\"more-link\">Pokra\u010dovat ve \u010dten\u00ed<span class=\"screen-reader-text\"> \"Na dluhy pozor\"<\/span><\/a><\/p>","datePublished":"2025-12-10","dateModified":"2025-12-10","author":{"@type":"Person","@id":"https:\/\/www.hc3.cz\/author\/#Person","name":"hc3.cz\n","url":"https:\/\/www.hc3.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hc3.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hc3.cz\/wp-content\/uploads\/man-5574872_640_10_10_10_10_10_3.jpg","url":"https:\/\/www.hc3.cz\/wp-content\/uploads\/man-5574872_640_10_10_10_10_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.hc3.cz\/na-dluhy-pozor\/","about":["Finance"],"wordCount":420,"articleBody":"      Ka\u017ed\u00fd by m\u011bl m\u00edt sjednan\u00e9 poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad nemoci \u010di \u00farazu. Kdo m\u00e1 sjednanou hypot\u00e9ku, m\u011bl by m\u00edt sjednan\u00e9 i poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad pracovn\u00ed neschopnosti a \u00famrt\u00ed. Pokud \u010dlov\u011bk nem\u016f\u017ee hypot\u00e9ku spl\u00e1cet, dost\u00e1v\u00e1 se t\u00edm do prodlen\u00ed. A b\u00fdt v prodlen\u00ed se spl\u00e1cen\u00edm hypot\u00e9ky znamen\u00e1, \u017ee se na \u010dlov\u011bka budou valit dal\u0161\u00ed a dal\u0161\u00ed probl\u00e9my.Upom\u00ednka jako stra\u0161\u00e1k Pokud n\u011bkdo zapomene n\u011bco zaplatit, jako prvn\u00ed mu p\u0159ijde upom\u00ednka Fahd. V\u011bt\u0161inou je to p\u0159\u00e1telsk\u00e9 p\u0159ipomenut\u00ed, \u017ee n\u011bkdo neuhradil slu\u017ebou \u010d\u00e1stku. A\u0165 u\u017e jde o nevyzvednut\u00fd bal\u00ed\u010dek, neuhrazenou z\u00e1lohu na energie, nebo neuhrazenou fakturu za pau\u0161\u00e1l, spole\u010dnosti se sna\u017e\u00ed dlu\u017en\u00edka kontaktovat sm\u00edrn\u011b a vyzvat ho k \u00fahrad\u011b. D\u011blaj\u00ed to tak i spole\u010dnosti, kter\u00e9 poskytuj\u00ed r\u016fzn\u00e9 \u00fav\u011bry. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f jsou tyto upom\u00ednky bezplatn\u00e9, ale cel\u00e1 \u0159ada spole\u010dnost\u00ed si za n\u011b \u00fa\u010dtuje nemal\u00e9 poplatky. Za jedno upozorn\u011bn\u00ed m\u016f\u017eete zaplatit i stovky korun zbyte\u010dn\u011b nav\u00edc. Zapomenout m\u016f\u017ee ka\u017ed\u00fd, ale po doru\u010den\u00ed upom\u00ednky je nutn\u00e9 ihned reagovat.Pokud jste v takov\u00e9 situaci, \u017ee nem\u016f\u017eete \u010d\u00e1stku uhradit ani po upom\u00ednce, je nutn\u00e9 s v\u011b\u0159itelem ihned za\u010d\u00edt komunikovat a sna\u017eit se mu vysv\u011btlit situaci. Pokud dod\u00e1te i d\u016fkazy, \u017ee je situace v\u00e1\u017en\u00e1 a nem\u016f\u017eete za ni, nejsp\u00ed\u0161 pochod\u00edte a spole\u010dnost v\u00e1m se spl\u00e1tkou po\u010dk\u00e1. Nebude to ale zadarmo a p\u0159edev\u0161\u00edm v p\u0159\u00edpad\u011b hypot\u00e9ky m\u016f\u017eete b\u00fdt vedeni v registru dlu\u017en\u00edk\u016f jako n\u011bkdo, kdo spl\u00e1cet pozd\u011b. Na to pozor. Pr\u00e1v\u011b pro tyto p\u0159\u00edpady mus\u00edte m\u00edt poji\u0161t\u011bn\u00ed, kdy za v\u00e1s p\u0159\u00edpadn\u011b bude spl\u00e1cet poji\u0161\u0165ovna za spln\u011bn\u00ed stanoven\u00fdch podm\u00ednek. Nemus\u00edte se b\u00e1t p\u016fj\u010dit si pen\u00edze, jen mus\u00edte po\u010d\u00edtat s t\u00edm, \u017ee si p\u016fj\u010dujete ciz\u00ed pen\u00edze, kter\u00e9 budete spl\u00e1cet n\u011bkolik m\u011bs\u00edc\u016f a\u017e let. P\u0159edev\u0161\u00edm u nev\u00fdhodn\u00fdch \u00fav\u011br\u016f je nutn\u00e9 spl\u00e1cet rychle, aby nenaskakovaly \u00faroky zbyte\u010dn\u011b vysoko. Potom je velmi obt\u00ed\u017en\u00e9 takov\u00e9 dluhy spl\u00e1cet a dlu\u017en\u00edci \u010dasto kon\u010d\u00ed v exekuc\u00edch, kdy\u017e se sna\u017e\u00ed situaci \u0159e\u0161it.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Na dluhy pozor","item":"https:\/\/www.hc3.cz\/na-dluhy-pozor\/#breadcrumbitem"}]}]