[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/konsolidace-a-slouceni-pujcky-a-uveru-pro-problemove-klienty\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/konsolidace-a-slouceni-pujcky-a-uveru-pro-problemove-klienty\/","headline":"Konsolidace a slou\u010den\u00ed p\u016fj\u010dky a \u00fav\u011bru pro probl\u00e9mov\u00e9 klienty","name":"Konsolidace a slou\u010den\u00ed p\u016fj\u010dky a \u00fav\u011bru pro probl\u00e9mov\u00e9 klienty","description":"Konsolidace je b\u011b\u017en\u00e1 v\u011bc. Poskytuje se v\u00a0r\u00e1mci bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed. M\u016f\u017eete si p\u0159ij\u00edt za\u017e\u00e1dat o konsolidaci do klasick\u00e9 banky i do nebankovn\u00ed spole\u010dnosti, kde se v\u011bt\u0161inou v\u0161e vy\u0159izuje online. Slou\u010den\u00edm v\u00edce p\u016fj\u010dek do jedn\u00e9 \u010dasto sn\u00ed\u017e\u00edme m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, dobu splatnosti nebo dal\u0161\u00ed poplatky. M\u016f\u017ee se sn\u00ed\u017eit \u00farokov\u00e1 sazba, ale v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech se m\u016f\u017ee nav\u00fd\u0161it &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/konsolidace-a-slouceni-pujcky-a-uveru-pro-problemove-klienty\/\"> <span class=\"screen-reader-text\">Konsolidace a slou\u010den\u00ed p\u016fj\u010dky a \u00fav\u011bru pro probl\u00e9mov\u00e9 klienty<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-07","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384557_4x3_20260807_121228_P0dOV5.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384557_4x3_20260807_121228_P0dOV5.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/konsolidace-a-slouceni-pujcky-a-uveru-pro-problemove-klienty\/","about":["P\u016fj\u010dky"],"wordCount":442,"articleBody":"Konsolidace je b\u011b\u017en\u00e1 v\u011bc. Poskytuje se v\u00a0r\u00e1mci bankovn\u00edch i nebankovn\u00edch spole\u010dnost\u00ed. M\u016f\u017eete si p\u0159ij\u00edt za\u017e\u00e1dat o konsolidaci do klasick\u00e9 banky i do nebankovn\u00ed spole\u010dnosti, kde se v\u011bt\u0161inou v\u0161e vy\u0159izuje online. Slou\u010den\u00edm v\u00edce p\u016fj\u010dek do jedn\u00e9 \u010dasto sn\u00ed\u017e\u00edme m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, dobu splatnosti nebo dal\u0161\u00ed poplatky. M\u016f\u017ee se sn\u00ed\u017eit \u00farokov\u00e1 sazba, ale v\u00a0n\u011bkter\u00fdch p\u0159\u00edpadech se m\u016f\u017ee nav\u00fd\u0161it doba splatnosti. Je pot\u0159eba pod\u00edvat se na konkr\u00e9tn\u00ed nab\u00eddky spole\u010dnost\u00ed, proto\u017ee podm\u00ednky se mohou li\u0161it.Jak je to ale s\u00a0konsolidac\u00ed pro probl\u00e9mov\u00e9 klienty? V\u0161echno nen\u00ed jenom \u010dern\u00e9 a b\u00edl\u00e9, tak\u017ee pokud spl\u00e1c\u00edme, m\u016f\u017eete si zajistit slu\u0161nou konsolidaci a u\u0161et\u0159it m\u011bs\u00ed\u010dn\u011b dokonce i vysok\u00e9 \u010d\u00e1stky, ale co v\u00a0p\u0159\u00edpad\u011b, \u017ee m\u00e1te n\u011bjak\u00e9 finan\u010dn\u00ed probl\u00e9my? Pr\u00e1v\u011b za takzvan\u00e9 probl\u00e9mov\u00e9 klienty se pova\u017euj\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed n\u011bjak\u00e9 finan\u010dn\u00ed probl\u00e9my. \u010casto se jedn\u00e1 o klienty, kte\u0159\u00ed neplat\u00ed sv\u00e9 dluhy \u010di jin\u00e9 z\u00e1vazky. M\u016f\u017eete se setkat i s\u00a0n\u00e1zvem \u201eneplati\u010di\u201c. Pokud m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky nebudete n\u011bjakou dobu spl\u00e1cet, budou v\u00e1s pova\u017eovat za probl\u00e9mov\u00e9ho \u010dili neplati\u010de. Do \u0161patn\u00e9 situace se m\u016f\u017eete dostat sv\u00fdm vlastn\u00ed nebo i ciz\u00edm zavin\u011bn\u00edm. Proto se ale tito klienti nemus\u00ed h\u00e1zet hned do jednoho pytle. V\u00a0p\u0159\u00edpad\u011b konsolidace to neplat\u00ed, a proto je mo\u017en\u00e9 slou\u010den\u00ed p\u016fj\u010dek i pro tyto \u201eprobl\u00e9mov\u00e9 klienty\u201c.\tPro n\u011bkoho vysvobozen\u00edPr\u00e1v\u011b pro tyto klienty, kte\u0159\u00ed ji\u017e d\u0159\u00edve nedok\u00e1zali sv\u00e9 z\u00e1vazky a dluhy spl\u00e1cet, to m\u016f\u017ee b\u00fdt forma takzvan\u00e9ho \u201evysvobozen\u00ed\u201c. Spole\u010dnost \u2013 v\u011b\u0159itel, kter\u00e1 jim poskytne p\u016fj\u010dku nebo \u00fav\u011br formou konsolidace jim m\u016f\u017ee sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. D\u00edky tomu t\u0159eba klient bude moci m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stku spl\u00e1tky nad\u00e1le spl\u00e1cet a nebude m\u00edt v\u00fdrazn\u011bj\u0161\u00ed probl\u00e9my \u010dili se nebude kv\u016fli t\u00e9to \u201edal\u0161\u00ed p\u016fj\u010dce\u201c ov\u0161em zast\u0159e\u0161uj\u00edc\u00ed v\u0161echny p\u0159ede\u0161l\u00e9, dost\u00e1vat do dluhov\u00fdch past\u00ed. Konsolidac\u00ed se sn\u00ed\u017e\u00ed po\u010det plateb a tak\u00e9 r\u016fzn\u00e9 poplatky. M\u016f\u017ee se sn\u00ed\u017eit m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka. V\u011bt\u0161inou se s\u00a0konsolidac\u00ed pro probl\u00e9mov\u00e9 klienty m\u016f\u017eete setkat u nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 jsou v\u016f\u010di \u201eneplati\u010d\u016fm\u201c tolerantn\u011bj\u0161\u00ed.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Konsolidace a slou\u010den\u00ed p\u016fj\u010dky a \u00fav\u011bru pro probl\u00e9mov\u00e9 klienty","item":"https:\/\/www.zerba.cz\/konsolidace-a-slouceni-pujcky-a-uveru-pro-problemove-klienty\/#breadcrumbitem"}]}]