[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.heitec.cz\/insolvence-jako-problem-pri-vyberu-auta\/#Article","mainEntityOfPage":"https:\/\/www.heitec.cz\/insolvence-jako-problem-pri-vyberu-auta\/","headline":"Insolvence jako probl\u00e9m p\u0159i v\u00fdb\u011bru auta?","name":"Insolvence jako probl\u00e9m p\u0159i v\u00fdb\u011bru auta?","description":"Insolvence je takzvan\u00fd \u00fapadek. Do insolvence se \u010dlov\u011bk dost\u00e1v\u00e1, kdy\u017e v ur\u010ditou dobu nen\u00ed schopn\u00fd, aby dok\u00e1zal platit finan\u010dn\u00ed z\u00e1vazky, kter\u00e9 m\u00e1 v\u016f\u010di v\u011b\u0159itel\u016fm, se kter\u00fdmi si sjednal p\u016fj\u010dky. Je jich v\u017edy v\u00edce ne\u017e jeden, jinak by se do insolvence nedostal. Je n\u011bjak\u00e1 mo\u017enost, jak z toho ven? \u010casto se \u0159\u00edk\u00e1, \u017ee pom\u016f\u017ee vyhl\u00e1\u0161en\u00ed osobn\u00edho […]","datePublished":"2026-01-01","dateModified":"2026-01-01","author":{"@type":"Person","@id":"https:\/\/www.heitec.cz\/author\/#Person","name":"","url":"https:\/\/www.heitec.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f3f77307dfb7a1a6ad06d8ef95ed6ed296a0507575d3814dc8c8630c3a7fa477?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f3f77307dfb7a1a6ad06d8ef95ed6ed296a0507575d3814dc8c8630c3a7fa477?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"heitec.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.heitec.cz\/wp-content\/uploads\/raten-kauf-financing-4521118_640.jpg","url":"https:\/\/www.heitec.cz\/wp-content\/uploads\/raten-kauf-financing-4521118_640.jpg","height":0,"width":0},"url":"https:\/\/www.heitec.cz\/insolvence-jako-problem-pri-vyberu-auta\/","about":["Podnik\u00e1n\u00ed"],"wordCount":419,"articleBody":"        Insolvence je takzvan\u00fd \u00fapadek. Do insolvence se \u010dlov\u011bk dost\u00e1v\u00e1, kdy\u017e v ur\u010ditou dobu nen\u00ed schopn\u00fd, aby dok\u00e1zal platit finan\u010dn\u00ed z\u00e1vazky, kter\u00e9 m\u00e1 v\u016f\u010di v\u011b\u0159itel\u016fm, se kter\u00fdmi si sjednal p\u016fj\u010dky. Je jich v\u017edy v\u00edce ne\u017e jeden, jinak by se do insolvence nedostal. Je n\u011bjak\u00e1 mo\u017enost, jak z toho ven? \u010casto se \u0159\u00edk\u00e1, \u017ee pom\u016f\u017ee vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu a t\u00edm se m\u016f\u017ee zbavit n\u011bkter\u00e9 \u010d\u00e1sti sv\u00e9ho dluhu. Pot\u00e9 je vhodn\u00e9 si rozpl\u00e1novat v\u0161e pot\u0159ebn\u00e9 a doplatit v\u0161e pot\u0159ebn\u00e9, aby spl\u00e1tky byly efektivn\u00ed a co nejd\u0159\u00edve vy\u0159e\u0161en\u00e9. Chcete si po\u0159\u00eddit auto, ale jste p\u0159esn\u011b v t\u00e9to situaci, tedy v insolvenci? Pokud ano, poj\u010fme naj\u00edt \u0159e\u0161en\u00ed. Auto je mo\u017en\u00e9 si po\u0159\u00eddit t\u0159eba na spl\u00e1tky, ale ne v dob\u011b insolvence, a\u017e po ni. To nen\u00ed probl\u00e9m, spl\u00e1tky V\u00e1m daj\u00ed i p\u0159es minulost s insolvenc\u00ed. Ale v\u00e1\u017en\u011b je d\u016fle\u017eit\u00e9, aby to byla minulost, pak u\u017e V\u00e1m nebude nic st\u00e1t v cest\u011b.Tak\u017ee tedy auto na spl\u00e1tky po ukon\u010den\u00ed insolvence je mo\u017en\u00e9 p\u0159esn\u011bji za t\u011bchto podm\u00ednek: kolik \u010dasu uplynulo od v\u00fdmazu z registru dlu\u017en\u00edk\u016f? u koho pl\u00e1nujete o financov\u00e1n\u00ed \u017e\u00e1dat?To jsou dva d\u016fle\u017eit\u00e9 body, od kter\u00fdch se snadno odraz\u00edte. Banky maj\u00ed p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky, jak u\u017e tomu, tak b\u00fdv\u00e1. Naopak nebankovn\u00ed spole\u010dnosti b\u00fdvaj\u00ed m\u00edrn\u011bj\u0161\u00ed a maj\u00ed sch\u016fdn\u011bj\u0161\u00ed podm\u00ednky pro osoby po insolvenci. Sami ale mus\u00edte promyslet, zda se V\u00e1m l\u00edb\u00ed jejich podm\u00ednky. Je tu mo\u017enost i leasingov\u00fdch firem a specializovan\u00fdch prodejc\u016f \u2013 to jsou spole\u010dnosti, kte\u0159\u00ed se zam\u011b\u0159uj\u00ed na klienty, kte\u0159\u00ed maj\u00ed za sebou pr\u00e1v\u011b insolvenci nebo exekuci. Oni v podstat\u011b nehled\u00ed na to, v jak\u00e9m stavu je V\u00e1\u0161 registr dlu\u017en\u00edk\u016f, ale m\u00e1 to sv\u00e9 ALE. Tyto firmy jako da\u0148 za snadn\u00e9 zprost\u0159edkov\u00e1n\u00ed vy\u017eaduj\u00ed v\u011bt\u0161inou vy\u0161\u0161\u00ed akontaci. Kdy vlastn\u011b doch\u00e1z\u00ed k Vymaz\u00e1n\u00ed z registru dlu\u017en\u00edk\u016f? 3-5 let. Je d\u016fle\u017eit\u00e9, pokud se pust\u00edte do spl\u00e1tek v\u011bd\u011bt, jestli dok\u00e1\u017eete spl\u00e1cet pravideln\u011b, to je kl\u00ed\u010dov\u00e9 pro celou situaci s autem, na kter\u00e9 se jist\u011b ji\u017e moc t\u011b\u0161\u00edte.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Insolvence jako probl\u00e9m p\u0159i v\u00fdb\u011bru auta?","item":"https:\/\/www.heitec.cz\/insolvence-jako-problem-pri-vyberu-auta\/#breadcrumbitem"}]}]