[{"@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&nbsp;r\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&nbsp;n\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}},"url":"https:\/\/www.zerba.cz\/konsolidace-a-slouceni-pujcky-a-uveru-pro-problemove-klienty\/","about":["P\u016fj\u010dky"],"wordCount":460,"articleBody":"Konsolidace je b\u011b\u017en\u00e1 v\u011bc. Poskytuje se v&nbsp;r\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&nbsp;n\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&nbsp;konsolidac\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&nbsp;p\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&nbsp;n\u00e1zvem &bdquo;neplati\u010di&ldquo;. 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&nbsp;p\u0159\u00edpad\u011b konsolidace to neplat\u00ed, a proto je mo\u017en\u00e9 slou\u010den\u00ed p\u016fj\u010dek i pro tyto &bdquo;probl\u00e9mov\u00e9 klienty&ldquo;.\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 &bdquo;vysvobozen\u00ed&ldquo;. Spole\u010dnost &ndash; 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 &bdquo;dal\u0161\u00ed p\u016fj\u010dce&ldquo; 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&nbsp;konsolidac\u00ed pro probl\u00e9mov\u00e9 klienty m\u016f\u017eete setkat u nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 jsou v\u016f\u010di &bdquo;neplati\u010d\u016fm&ldquo; tolerantn\u011bj\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]