[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.g2w.cz\/tvorime-nove-zacatky-a-davame-druhe-sance\/#Article","mainEntityOfPage":"https:\/\/www.g2w.cz\/tvorime-nove-zacatky-a-davame-druhe-sance\/","headline":"Tvo\u0159\u00edme nov\u00e9 za\u010d\u00e1tky a d\u00e1v\u00e1me druh\u00e9 \u0161ance","name":"Tvo\u0159\u00edme nov\u00e9 za\u010d\u00e1tky a d\u00e1v\u00e1me druh\u00e9 \u0161ance","description":"Finan\u010dn\u00ed pot\u00ed\u017ee mohou potkat kohokoliv. A\u0165 u\u017e kv\u016fli ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed, nemoci, podnik\u00e1n\u00ed, kter\u00e9 nevy\u0161lo, nebo zkr\u00e1tka s\u00e9rii ne\u0161\u0165astn\u00fdch ud\u00e1lost\u00ed, do insolvence se dost\u00e1vaj\u00ed i lid\u00e9, … ","datePublished":"2025-06-01","dateModified":"2025-06-01","author":{"@type":"Person","@id":"https:\/\/www.g2w.cz\/author\/#Person","name":"g2w.cz\n","url":"https:\/\/www.g2w.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"g2w.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.g2w.cz\/wp-content\/uploads\/d%C5%AFm_10_10_10_4.jpg","url":"https:\/\/www.g2w.cz\/wp-content\/uploads\/d%C5%AFm_10_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.g2w.cz\/tvorime-nove-zacatky-a-davame-druhe-sance\/","about":["Finance"],"wordCount":418,"articleBody":"   Finan\u010dn\u00ed pot\u00ed\u017ee mohou potkat kohokoliv. A\u0165 u\u017e kv\u016fli ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed, nemoci, podnik\u00e1n\u00ed, kter\u00e9 nevy\u0161lo, nebo zkr\u00e1tka s\u00e9rii ne\u0161\u0165astn\u00fdch ud\u00e1lost\u00ed, do insolvence se dost\u00e1vaj\u00ed i lid\u00e9, kte\u0159\u00ed byli d\u0159\u00edve finan\u010dn\u011b zodpov\u011bdn\u00ed. Insolvence ale nen\u00ed konec cesty \u2014 naopak m\u016f\u017ee b\u00fdt za\u010d\u00e1tkem nov\u00e9, stabiln\u011bj\u0161\u00ed etapy. A co v\u00edc, ani vlastn\u00ed bydlen\u00ed po ukon\u010den\u00ed insolvence nemus\u00ed b\u00fdt nedosa\u017eiteln\u00fd sen. Mnoho lid\u00ed se domn\u00edv\u00e1, \u017ee pokud jednou pro\u0161li insolvenc\u00ed, banka u\u017e jim nikdy hypot\u00e9ku neposkytne. To ale nen\u00ed pravda. Hypot\u00e9ka po insolvenci je sice slo\u017eit\u011bj\u0161\u00ed na vy\u0159\u00edzen\u00ed ne\u017e u \u010dlov\u011bka bez finan\u010dn\u00edch \u0161kraloup\u016f, ale rozhodn\u011b nen\u00ed nemo\u017en\u00e1. D\u016fle\u017eit\u00e9 je v\u011bd\u011bt, jak na to, a m\u00edt po boku n\u011bkoho, kdo se v tom vyzn\u00e1. Z\u00e1kladn\u00ed podm\u00ednkou pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky po insolvenci je samoz\u0159ejm\u011b jej\u00ed \u00fasp\u011b\u0161n\u00e9 ukon\u010den\u00ed a v\u00fdmaz z insolven\u010dn\u00edho rejst\u0159\u00edku. Ten prob\u00edh\u00e1 automaticky po 5 letech od oddlu\u017een\u00ed nebo na \u017e\u00e1dost klienta po uplynut\u00ed z\u00e1konn\u00e9 lh\u016fty. V\u011bt\u0161ina bank je ochotn\u00e1 o hypot\u00e9ce uva\u017eovat nejd\u0159\u00edve 2 a\u017e 3 roky po ukon\u010den\u00ed insolvence, ale z\u00e1le\u017e\u00ed i na va\u0161\u00ed aktu\u00e1ln\u00ed bonit\u011b \u2013 tedy na tom, jak stabiln\u00ed m\u00e1te p\u0159\u00edjem, pracovn\u00ed smlouvu, a jestli jste si od t\u00e9 doby vybudovali znovu pozitivn\u00ed \u00fav\u011brovou historii. A tady nastupuje do hry role hypote\u010dn\u00edho poradce.Zku\u0161en\u00fd finan\u010dn\u00ed specialista dok\u00e1\u017ee naj\u00edt cestu i tam, kde by \u010dlov\u011bk s\u00e1m narazil. N\u011bkter\u00e9 men\u0161\u00ed banky nebo stavebn\u00ed spo\u0159itelny maj\u00ed v t\u011bchto p\u0159\u00edpadech voln\u011bj\u0161\u00ed pravidla ne\u017e velk\u00e9 komer\u010dn\u00ed banky. V n\u011bkter\u00fdch p\u0159\u00edpadech je mo\u017en\u00e9 hypot\u00e9ku po insolvenci z\u00edskat i ve form\u011b tzv. nebankovn\u00ed hypot\u00e9ky, kter\u00e1 m\u00e1 sice jin\u00e1 pravidla, ale m\u016f\u017ee slou\u017eit jako do\u010dasn\u00e9 \u0159e\u0161en\u00ed. Kl\u00ed\u010dem k \u00fasp\u011bchu je otev\u0159enost a p\u0159ipravenost. Nesna\u017ete se minulost skr\u00fdvat \u2013 banky i poradci ji stejn\u011b odhal\u00ed. Mnohem lep\u0161\u00ed je uk\u00e1zat, \u017ee jste se pou\u010dili, \u017ee dnes m\u00e1te stabiln\u00ed p\u0159\u00edjmy, dobr\u00e9 z\u00e1zem\u00ed a \u017ee chcete znovu za\u010d\u00edt zodpov\u011bdn\u011b. Hypot\u00e9ka po insolvenci je nejen technickou z\u00e1le\u017eitost\u00ed, ale i d\u016fkazem, \u017ee lid\u00e9 dok\u00e1\u017eou sv\u00e9 \u017eivoty oto\u010dit spr\u00e1vn\u00fdm sm\u011brem.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Tvo\u0159\u00edme nov\u00e9 za\u010d\u00e1tky a d\u00e1v\u00e1me druh\u00e9 \u0161ance","item":"https:\/\/www.g2w.cz\/tvorime-nove-zacatky-a-davame-druhe-sance\/#breadcrumbitem"}]}]