[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.veritel.sk\/osobny-bankrot-krajne-riesenie-pre-dlznikov\/#Article","mainEntityOfPage":"https:\/\/www.veritel.sk\/osobny-bankrot-krajne-riesenie-pre-dlznikov\/","headline":"Osobn\u00fd bankrot- krajn\u00e9 rie\u0161enie pre dl\u017en\u00edkov","name":"Osobn\u00fd bankrot- krajn\u00e9 rie\u0161enie pre dl\u017en\u00edkov","description":"Pokia\u013e sa dostanete na finan\u010dn\u00e9 dno, existuje leg\u00e1lna forma, ako sa svojich dlhov zbavi\u0165. Ide o\u00a0takzvan\u00fd osobn\u00fd bankrot. Nebude to v\u0161ak len tak. Ak sa pre tento v\u00e1\u017eny krok rozhodnete, mali by ste si dopredu v\u0161etko dobre zv\u00e1\u017ei\u0165. \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Aby ste mohli nad osobn\u00fdm bankrotom uva\u017eova\u0165, mus\u00edte splni\u0165 viacer\u00e9 podmienky.Prvou je, \u017ee nie ste svoje...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.veritel.sk\/osobny-bankrot-krajne-riesenie-pre-dlznikov\/\" class=\"more-link\">Read More<span class=\"screen-reader-text\"> &ldquo;Osobn\u00fd bankrot- krajn\u00e9 rie\u0161enie pre dl\u017en\u00edkov&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2018-11-10","dateModified":"2018-11-10","author":{"@type":"Person","@id":"https:\/\/www.veritel.sk\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.veritel.sk\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"veritel.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.veritel.sk\/wp-content\/uploads\/img_a295530_w16653_t1547141428.jpg","url":"https:\/\/www.veritel.sk\/wp-content\/uploads\/img_a295530_w16653_t1547141428.jpg","height":0,"width":0},"url":"https:\/\/www.veritel.sk\/osobny-bankrot-krajne-riesenie-pre-dlznikov\/","wordCount":426,"articleBody":"Pokia\u013e sa dostanete na finan\u010dn\u00e9 dno, existuje leg\u00e1lna forma, ako sa svojich dlhov zbavi\u0165. Ide o\u00a0takzvan\u00fd osobn\u00fd bankrot. Nebude to v\u0161ak len tak. Ak sa pre tento v\u00e1\u017eny krok rozhodnete, mali by ste si dopredu v\u0161etko dobre zv\u00e1\u017ei\u0165.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0Aby ste mohli nad osobn\u00fdm bankrotom uva\u017eova\u0165, mus\u00edte splni\u0165 viacer\u00e9 podmienky.Prvou je, \u017ee nie ste svoje dlhy schopn\u00ed spl\u00e1ca\u0165 minim\u00e1lne mesiac po splatnosti. Z\u00e1rove\u0148 mus\u00edte dl\u017ei\u0165 minim\u00e1lne dvom verite\u013eom a\u00a0m\u00e1te aspo\u0148 dva z\u00e1v\u00e4zky.\u00a0Osobn\u00fd bankrot m\u00f4\u017eu vyhl\u00e1si\u0165 fyzick\u00e9 osoby, ktor\u00e9 s\u00fa z\u00e1rove\u0148 i\u00a0podnikate\u013emi, ale aj tie ktor\u00e9 nie s\u00fa. T\u00e1to mo\u017enos\u0165 je pre v\u00e1s v\u00fdhodn\u00e1 vtedy, ak nevlastn\u00edte takmer \u017eiadny majetok a\u00a0va\u0161e dlhy prevy\u0161uj\u00fa jeho sumu. Podmienkou je v\u0161ak to, \u017ee mus\u00edte vlastni\u0165 majetok v\u00a0minim\u00e1lne hodnote 1659,70 eur. V\u00a0inom pr\u00edpade s\u00fad zastav\u00ed konanie z\u00a0d\u00f4vodu nedostatku majetku. T\u00e1to suma je toti\u017e potrebn\u00e1 na pokrytie konkurzn\u00e9ho konania. Je jedno \u010di vlastn\u00edte nehnute\u013enos\u0165, auto, cenn\u00e9 papiere, alebo m\u00e1te na \u00fa\u010dte t\u00fato sumu pe\u0148az\u00ed.Na to aby ste mohli o\u00a0osobn\u00fd bankrot po\u017eiada\u0165, v\u0161ak mus\u00edte nejako zohna\u0165 okolo 670 eur. T\u00fato sumu zaplat\u00edte ako preddavok spolu s\u00a0podan\u00edm v\u00e1\u0161ho n\u00e1vrhu.\u00a0Ak sa za\u010dne dan\u00e9 konanie, v\u00e1\u0161 spom\u00ednan\u00fd majetok v\u00a0minim\u00e1lnej hodnote, spe\u0148a\u017e\u00ed konkurzn\u00fd spr\u00e1vca, ktor\u00fd v\u00e1m bude pridelen\u00fd s\u00fadom. Teraz za\u010dne trojro\u010dn\u00e9 obdobie, ktor\u00e9 sl\u00fa\u017ei na splatenie istej \u010dasti va\u0161ich dlhov a\u00a0z\u00e1rove\u0148 ako ak\u00e1si sk\u00fa\u0161ka. Raz za rok budete musie\u0165 plati\u0165 spl\u00e1tku. Jej v\u00fd\u0161ku ur\u010d\u00ed s\u00fad. Je maxim\u00e1lna v\u00fd\u0161ka nesmie prekro\u010di\u0165 sedemdesiat percent z\u00a0v\u00e1\u0161ho celkov\u00e9ho, \u010dist\u00e9ho ro\u010dn\u00e9ho pr\u00edjmu. Ak budete spl\u00e1ca\u0165 v\u0161etko ako m\u00e1te, po troch rokoch. sa v\u0161etky va\u0161e dlhy takpovediac vyma\u017e\u00fa a\u00a0u\u017e nebud\u00fa vym\u00e1hate\u013en\u00e9.\u00a0Ako m\u00f4\u017eete vidie\u0165, osobn\u00fd bankrot nie je \u00faplne zadarmo. M\u00f4\u017ee sa to zda\u0165 paradoxn\u00e9, preto\u017ee ak ste na mizine, spom\u00ednan\u00e9 financie zo\u017eeniete asi len \u0165a\u017eko. Dokopy ide o\u00a0takmer 2330 eur, plus mus\u00edte po\u010d\u00edta\u0165 i\u00a0s\u00a0nasleduj\u00facimi spl\u00e1tkami po\u010das troch rokov. Preto si dopredu zv\u00e1\u017ete, \u010di je t\u00e1to mo\u017enos\u0165 pre v\u00e1s v\u00fdhodn\u00e1. Ak dlhujte napr\u00edklad banke, spl\u00e1tkov\u00fd kalend\u00e1r si viete nastavi\u0165 aj priamo v\u00a0nej.\u00a0\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Osobn\u00fd bankrot- krajn\u00e9 rie\u0161enie pre dl\u017en\u00edkov","item":"https:\/\/www.veritel.sk\/osobny-bankrot-krajne-riesenie-pre-dlznikov\/#breadcrumbitem"}]}]