Jedn\u00edm z opat\u0159en\u00ed ke zm\u00edrn\u011bn\u00ed n\u00e1sledk\u016f pandemie je i \u201ecovidov\u00fd\u201c odklad spl\u00e1tek hypot\u00e9ky. Obdob\u00ed odkladu spl\u00e1tek se v\u0161ak pro mnoh\u00e9 dlu\u017en\u00edky ch\u00fdl\u00ed ke konci a jejich finan\u010dn\u00ed situace se st\u00e1le nezlep\u0161ila. Jak\u00e9 maj\u00ed mo\u017enosti? Zeptali jsme se pr\u00e1vni\u010dky z advok\u00e1tn\u00ed kancel\u00e1\u0159e AKMV.<\/p>\n\n\n\n
Odklad spl\u00e1tek m\u011bl zajistit zm\u00edrn\u011bn\u00ed n\u00e1sledk\u016f nemo\u017enosti spl\u00e1cen\u00ed \u00fav\u011br\u016f a sn\u00ed\u017eit negativn\u00ed dopad na spot\u0159ebitele, podnikatele podnikaj\u00edc\u00ed jako fyzick\u00e9 osoby a mal\u00e9 zam\u011bstnavatele. P\u0159esto\u017ee opat\u0159en\u00ed kon\u010d\u00ed, pandemick\u00e1 situace p\u0159etrv\u00e1v\u00e1 a mnoz\u00ed dlu\u017en\u00edci se st\u00e1le nach\u00e1zej\u00ed ve zhor\u0161en\u00e9 finan\u010dn\u00ed situaci, kter\u00e1 jim neumo\u017e\u0148uje n\u00e1vrat k \u0159\u00e1dn\u00e9mu spl\u00e1cen\u00ed jejich dluh\u016f. JUDr. Veronika Michal\u00edkov\u00e1 z advok\u00e1tn\u00ed kancel\u00e1\u0159e AKMV n\u00e1m vysv\u011btlila, jak\u00e9 maj\u00ed mo\u017enosti.<\/p>\n\n\n\n
Odklad spl\u00e1tek
Podle z\u00e1kona p\u0159ijat\u00e9ho b\u011bhem prvn\u00ed vlny pandemie koronaviru mohla banka nebo pobo\u010dka zahrani\u010dn\u00ed banky povolit na z\u00e1klad\u011b \u017e\u00e1dosti dlu\u017en\u00edka odklad spl\u00e1tek na obdob\u00ed uveden\u00e9 v \u017e\u00e1dosti o odklad, kter\u00e9 nen\u00ed del\u0161\u00ed ne\u017e dev\u011bt m\u011bs\u00edc\u016f ode dne splatnosti nejbli\u017e\u0161\u00ed neuhrazen\u00e9 spl\u00e1tky \u00fav\u011bru, jej\u00ed\u017e splatnost nastala po dni. pod\u00e1n\u00ed \u017e\u00e1dosti o odklad spl\u00e1tek. Dlu\u017en\u00edk mohl po\u017e\u00e1dat o odklad spl\u00e1tek t\u00e9ho\u017e \u00fav\u011bru b\u011bhem obdob\u00ed pandemie pouze jednou.<\/p>\n\n\n\n
Z uveden\u00e9 pr\u00e1vn\u00ed \u00fapravy vypl\u00fdv\u00e1, \u017ee obdob\u00ed, b\u011bhem kter\u00e9ho m\u00e1 banka umo\u017enit odklad spl\u00e1tek je limitov\u00e1no na dev\u011bt m\u011bs\u00edc\u016f. Pokud by dlu\u017en\u00edk \u017e\u00e1dal o odklad spl\u00e1tek na krat\u0161\u00ed obdob\u00ed, u t\u00e9ho\u017e \u00fav\u011bru nem\u016f\u017ee \u017e\u00e1dat o odklad na dal\u0161\u00ed obdob\u00ed. Uveden\u00e1 z\u00e1konn\u00e1 ustanoven\u00ed v\u0161ak upravuj\u00ed pouze odklad spl\u00e1tek jako opat\u0159en\u00ed v souvislosti s pandemii. Nen\u00ed tedy vylou\u010deno, aby banka umo\u017enila i dal\u0161\u00ed odklad spl\u00e1tek, nikoli v\u0161ak ji\u017e na z\u00e1klad\u011b z\u00e1konn\u00e9ho ustanoven\u00ed, ale podle vlastn\u00edch pravidel na z\u00e1klad\u011b dohody s dlu\u017en\u00edkem.<\/p>\n\n\n\n
Ne\u010dekejte na prodlen\u00ed
Upozor\u0148ujeme, \u017ee postup jednotliv\u00fdch bank m\u016f\u017ee b\u00fdt odli\u0161n\u00fd a m\u016f\u017ee se li\u0161it iu konkr\u00e9tn\u00edch bankovn\u00edch produkt\u016f. Z tohoto d\u016fvodu doporu\u010dujeme, aby dlu\u017en\u00edci v probl\u00e9mech komunikovali p\u0159\u00edmo se svou bankou a to je\u0161t\u011b p\u0159ed t\u00edm, ne\u017e se ocitnou v situaci, \u017ee spl\u00e1cet nebudou vl\u00e1da. \u010castokr\u00e1t dlu\u017en\u00edci \u017e\u00e1daj\u00ed banku o mo\u017enosti \u0159e\u0161en\u00ed a\u017e v dob\u011b, kdy u\u017e jsou v prodlen\u00ed, v tomto p\u0159\u00edpad\u011b je u\u017e v\u0161ak pozd\u011b. Dlu\u017en\u00edci by tedy m\u011bli banku oslovit co nejd\u0159\u00edve, rozhodn\u011b nedoporu\u010dujeme \u010dekat a\u017e na prodlen\u00ed s prvn\u00ed spl\u00e1tkou.<\/p>\n\n\n\n
Nev\u00fdhodou v p\u0159\u00edpad\u011b odhadu spl\u00e1tek po dohod\u011b s bankou je skute\u010dnost, \u017ee dlu\u017en\u00edk m\u016f\u017ee m\u00edt v rejst\u0159\u00edku bank veden\u00fd z\u00e1znam, \u017ee u\u017e jednou m\u011bl probl\u00e9m se spl\u00e1cen\u00edm \u00fav\u011bru. Tyto informace tak bude m\u00edt k dispozici i jin\u00e1 banka, kterou v budoucnu p\u0159\u00edpadn\u011b oslov\u00ed (nap\u0159\u00edklad p\u0159i po\u017eadavku refinancov\u00e1n\u00ed \u00fav\u011bru nebo nov\u00e9ho \u00fav\u011bru), co\u017e m\u016f\u017ee b\u00fdt n\u00e1sledn\u011b problematick\u00e9.<\/p>\n\n\n\n
Prodlou\u017een\u00ed splatnosti \u00fav\u011bru a sn\u00ed\u017een\u00ed spl\u00e1tek
Pokud dlu\u017en\u00edkovi finan\u010dn\u00ed situace neumo\u017e\u0148uje \u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed cel\u00fdch spl\u00e1tek, ale byl by schopen spl\u00e1cet alespo\u0148 jejich \u010d\u00e1st, m\u016f\u017ee banku po\u017e\u00e1dat o prodlou\u017een\u00ed splatnosti \u00fav\u011bru. Pokud by banka s prodlou\u017een\u00edm splatnosti souhlasila, znamenalo by to, \u017ee dlu\u017en\u00e1 \u010d\u00e1stka by se rozlo\u017eila na del\u0161\u00ed dobu. Dlu\u017en\u00edk by tedy splatil v\u00edce spl\u00e1tek v ni\u017e\u0161\u00ed v\u00fd\u0161i. To by umo\u017enilo, aby spl\u00e1tka byla ve v\u00fd\u0161i, kterou je dlu\u017en\u00edk schopen spl\u00e1cet.<\/p>\n\n\n\n
Nev\u00fdhodou tohoto \u0159e\u0161en\u00ed je nav\u00fd\u0161en\u00ed celkov\u00e9 \u010d\u00e1stky, kterou bude dlu\u017en\u00edk bance v kone\u010dn\u00e9m d\u016fsledku muset zaplatit. Podobn\u011b to v\u0161ak je i p\u0159i odkladu spl\u00e1tek, proto\u017ee dluh je i b\u011bhem odkladu spl\u00e1tek \u00faro\u010den.<\/p>\n\n\n\n
Refinancov\u00e1n\u00ed \u00fav\u011bru
Pokud m\u00e1 dlu\u017en\u00edk v\u00edce dluh\u016f, m\u016f\u017ee zv\u00e1\u017eit i jejich refinancov\u00e1n\u00ed. Refinancov\u00e1n\u00ed by spo\u010d\u00edvalo v tom, \u017ee dlu\u017en\u00edk by si vzal jeden v\u011bt\u0161\u00ed \u00fav\u011br, ze kter\u00e9ho by vyplatil n\u011bkolik men\u0161\u00edch dluh\u016f. Men\u0161\u00edmi dluhy mohou b\u00fdt nap\u0159\u00edklad. z\u016fstatek hypote\u010dn\u00edho \u00fav\u011bru, spot\u0159ebn\u00edho \u00fav\u011bru, leasing, p\u016fj\u010dku od nebankovn\u00edho subjektu, p\u016fj\u010dku ze st\u00e1tn\u00edho fondu rozvoje bydlen\u00ed a podobn\u011b.<\/p>\n\n\n\n
Takov\u00fd postup m\u016f\u017ee b\u00fdt v\u00fdhodn\u00fd v p\u0159\u00edpad\u011b, \u017ee podm\u00ednky nov\u00e9ho \u00fav\u011bru budou lep\u0161\u00ed ne\u017e podm\u00ednky spl\u00e1cen\u00ed sou\u010dasn\u00fdch dluh\u016f. Doporu\u010dujeme v\u0161ak pe\u010dliv\u011b zv\u00e1\u017eit, zda je takov\u00e1 zm\u011bna v konkr\u00e9tn\u00ed situaci v\u00fdhodn\u00e1, jak\u00e1 by byla \u00faspora a zda dlu\u017en\u00edk bude m\u00edt z \u010deho spl\u00e1cet spl\u00e1tky nov\u00e9ho \u00fav\u011bru.<\/p>\n\n\n\n
Jin\u00e9 mo\u017enosti
Pokud dlu\u017en\u00edk nem\u016f\u017ee vyu\u017e\u00edt mo\u017enosti, kter\u00e9 jsme nast\u00ednili nebo situaci vyhodnot\u00ed tak, \u017ee ani s nimi nebude moci spl\u00e1tky spl\u00e1cet, je na m\u00edst\u011b zv\u00e1\u017eit nap\u0159\u00edklad i prodej nemovitosti, na jej\u00ed\u017e koupi si \u00fav\u011br bral. V p\u0159\u00edpad\u011b prodeje nemovitosti m\u016f\u017ee b\u00fdt hypote\u010dn\u00ed \u00fav\u011br vyplacen z obdr\u017een\u00e9 kupn\u00ed ceny nemovitosti. Zbytek kupn\u00ed ceny, kter\u00fd m\u016f\u017ee z\u016fstat po vyplacen\u00ed hypote\u010dn\u00edho \u00fav\u011bru m\u016f\u017ee b\u00fdt n\u00e1sledn\u011b pou\u017eit ke koupi levn\u011bj\u0161\u00ed \u010di men\u0161\u00ed nemovitosti. P\u0159\u00edpadn\u011b m\u016f\u017ee b\u00fdt koup\u011b levn\u011bj\u0161\u00ed nemovitosti financov\u00e1na iz nov\u00e9ho hypote\u010dn\u00edho \u00fav\u011bru ve v\u00fd\u0161i dle aktu\u00e1ln\u00edch mo\u017enost\u00ed dlu\u017en\u00edka.<\/p>\n\n\n\n
Upozor\u0148ujeme tak\u00e9, \u017ee v praxi m\u016f\u017ee dlu\u017en\u00edk narazit p\u0159i p\u0159ed\u010dasn\u00e9m splacen\u00ed \u00fav\u011bru, mimo\u0159\u00e1dn\u00e9 spl\u00e1tce \u00fav\u011bru nebo refinancov\u00e1n\u00ed i na po\u017eadavek banky splatit n\u011bkolik spl\u00e1tek \u00fav\u011bru, pokud m\u011bl odklad podle z\u00e1konn\u00fdch ustanoven\u00ed v dob\u011b pandemick\u00fdch opat\u0159en\u00ed. Pokud klientovi b\u011b\u017e\u00ed \u201ecovidov\u00fd\u201c odklad, po dobu trv\u00e1n\u00ed nen\u00ed mo\u017en\u00e9 po\u017e\u00e1dat o sn\u00ed\u017een\u00ed \u00farokov\u00e9 sazby, prov\u00e1d\u011bt mimo\u0159\u00e1dn\u00e9 spl\u00e1tky, refinancov\u00e1n\u00ed \u00fav\u011br\u016f a dal\u0161\u00ed \u00fakony spojen\u00e9 s \u00fav\u011brem. V\u0161echny tyto \u00fakony lze prov\u00e1d\u011bt a\u017e po ukon\u010den\u00ed odkladu spl\u00e1cen\u00ed a po znovu zah\u00e1jen\u00ed spl\u00e1cen\u00ed \u0159\u00e1dn\u00fdch spl\u00e1tek, tento po\u010det spl\u00e1tek je v ka\u017ed\u00e9 bance individu\u00e1ln\u00ed od 1 \u2013 14 m\u011bs\u00edc\u016f.<\/p>\n\n\n\n
Mo\u017enost\u00ed je i do\u010dasn\u011b sn\u00ed\u017eit spl\u00e1tku jin\u00e9ho produktu (nap\u0159\u00edklad spo\u0159en\u00ed). V\u0161echny mo\u017enosti je v\u0161ak t\u0159eba konzultovat s bankou nebo s finan\u010dn\u00edm specialistou, nebo\u0165 n\u011bkter\u00e9 mo\u017enosti mohou m\u00edt vliv na jin\u00e9 podm\u00ednky \u00fav\u011bru, nap\u0159\u00edklad v\u00fd\u0161i \u00farokov\u00e9 sazby. V praxi um\u00ed finan\u010dn\u00ed specialista na m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch u\u0161et\u0159it od des\u00edtek do stovek eur.<\/p>\n\n\n\n
Vym\u00e1h\u00e1n\u00ed spl\u00e1tek bankou
Pokud se nepoda\u0159\u00ed nal\u00e9zt vhodn\u00fd zp\u016fsob \u0159e\u0161en\u00ed situace a dlu\u017en\u00edk se dostane se spl\u00e1tkami do prodlen\u00ed, m\u016f\u017ee banka odstoupit od \u00fav\u011brov\u00e9 smlouvy a \u017e\u00e1dat o jednor\u00e1zov\u00e9 vyplacen\u00ed cel\u00e9ho z\u016fstatku \u00fav\u011bru. Banka dlu\u017en\u00edka vyzve v souladu se sv\u00fdmi intern\u00edmi postupy k zaplacen\u00ed dluhu. Nedojde-li k dobrovoln\u00e9mu pln\u011bn\u00ed dluhu, za\u010dne banka s jeho vym\u00e1h\u00e1n\u00edm. Po z\u00edsk\u00e1n\u00ed exeku\u010dn\u00edho titulu, tedy pravomocn\u00e9ho platebn\u00edho rozkazu nebo rozsudku, m\u016f\u017ee banka n\u00e1rok uplat\u0148ovat v exeku\u010dn\u00edm \u0159\u00edzen\u00ed. V r\u00e1mci toho m\u016f\u017ee doj\u00edt ik v\u00fdkonu z\u00e1stavn\u00edho pr\u00e1va k nemovitosti. To znamen\u00e1, \u017ee nemovitost dlu\u017en\u00edka by byla prod\u00e1na v dra\u017eb\u011b. Z v\u00fdt\u011b\u017eku z dra\u017eby by byl uspokojen n\u00e1rok banky.<\/p>\n\n\n\n
Osobn\u00ed bankrot
Pro n\u011bkter\u00e9 dlu\u017en\u00edky, kter\u00fdm se nakupily dluhy ve velk\u00e9 v\u00fd\u0161i, m\u016f\u017ee b\u00fdt \u0159e\u0161en\u00edm situace a\u017e tzv. . osobn\u00ed bankrot. V takov\u00fdch p\u0159\u00edpadech m\u00e1 dlu\u017en\u00edk pr\u00e1vo obr\u00e1tit se na Centrum pr\u00e1vn\u00ed pomoci. Centrum pr\u00e1vn\u00ed pomoci poskytuje klient\u016fm bezplatn\u011b konzultace k osobn\u00edmu bankrotu v\u010detn\u011b pomoci s pod\u00e1n\u00edm \u017e\u00e1dosti.<\/p>\n","protected":false},"excerpt":{"rendered":"
Jedn\u00edm z opat\u0159en\u00ed ke zm\u00edrn\u011bn\u00ed n\u00e1sledk\u016f pandemie je i \u201ecovidov\u00fd\u201c odklad spl\u00e1tek hypot\u00e9ky. Obdob\u00ed odkladu spl\u00e1tek se v\u0161ak pro mnoh\u00e9 dlu\u017en\u00edky ch\u00fdl\u00ed ke konci a jejich finan\u010dn\u00ed situace se st\u00e1le nezlep\u0161ila. Jak\u00e9 maj\u00ed mo\u017enosti? Zeptali jsme se pr\u00e1vni\u010dky z advok\u00e1tn\u00ed kancel\u00e1\u0159e AKMV. Odklad spl\u00e1tek m\u011bl zajistit zm\u00edrn\u011bn\u00ed n\u00e1sledk\u016f nemo\u017enosti spl\u00e1cen\u00ed \u00fav\u011br\u016f a sn\u00ed\u017eit negativn\u00ed dopad […]<\/p>\n","protected":false},"author":4,"featured_media":2454,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[155],"tags":[],"class_list":["post-2462","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/idomy.cz\/index.php?rest_route=\/wp\/v2\/posts\/2462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/idomy.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/idomy.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/idomy.cz\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/idomy.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2462"}],"version-history":[{"count":0,"href":"https:\/\/idomy.cz\/index.php?rest_route=\/wp\/v2\/posts\/2462\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/idomy.cz\/index.php?rest_route=\/wp\/v2\/media\/2454"}],"wp:attachment":[{"href":"https:\/\/idomy.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2462"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/idomy.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2462"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/idomy.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}