[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mesalina.cz\/oddluzeni-nemovitosti-prodejem\/#Article","mainEntityOfPage":"https:\/\/www.mesalina.cz\/oddluzeni-nemovitosti-prodejem\/","headline":"Oddlu\u017een\u00ed nemovitosti prodejem","name":"Oddlu\u017een\u00ed nemovitosti prodejem","description":"Dluh je finan\u010dn\u00ed z\u00e1vazek, kter\u00fd se dlu\u017en\u00edk zavazuje splatit v\u011b\u0159iteli. V n\u011bkter\u00fdch p\u0159\u00edpadech dos\u00e1hnou dluhy takov\u00e9 v\u00fd\u0161e, \u017ee je ji\u017e nen\u00ed mo\u017en\u00e9 splatit. Co n\u00e1sleduje? Kdy\u017e vzniknou dluhy na nemovitosti Probl\u00e9m dluhu tkv\u00ed v tom, \u017ee zpravidla nar\u016fst\u00e1 o \u00farok, p\u0159\u00edpadn\u011b o dal\u0161\u00ed dohodnut\u00e9 \u010d\u00e1stky. U bankovn\u00edch i nebankovn\u00edch poskytovatel\u016f p\u016fj\u010dek to \u010dasto b\u00fdvaj\u00ed r\u016fzn\u00e9 […]","datePublished":"2021-02-04","dateModified":"2023-08-21","author":{"@type":"Person","@id":"https:\/\/www.mesalina.cz\/author\/#Person","name":"","url":"https:\/\/www.mesalina.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/383247cd769f7ac317a5bcda943ec48a3c79d996598ae4564ec21a0e178126d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mesalina.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mesalina.cz\/wp-content\/uploads\/Obr%C3%A1zek1_r9w17Y.jpg","url":"https:\/\/www.mesalina.cz\/wp-content\/uploads\/Obr%C3%A1zek1_r9w17Y.jpg","height":0,"width":0},"url":"https:\/\/www.mesalina.cz\/oddluzeni-nemovitosti-prodejem\/","about":["Finance"],"wordCount":590,"articleBody":"       Dluh je finan\u010dn\u00ed z\u00e1vazek, kter\u00fd se dlu\u017en\u00edk zavazuje splatit v\u011b\u0159iteli. V n\u011bkter\u00fdch p\u0159\u00edpadech dos\u00e1hnou dluhy takov\u00e9 v\u00fd\u0161e, \u017ee je ji\u017e nen\u00ed mo\u017en\u00e9 splatit. Co n\u00e1sleduje?  Kdy\u017e vzniknou dluhy na nemovitosti Probl\u00e9m dluhu tkv\u00ed v tom, \u017ee zpravidla nar\u016fst\u00e1 o \u00farok, p\u0159\u00edpadn\u011b o dal\u0161\u00ed dohodnut\u00e9 \u010d\u00e1stky. U bankovn\u00edch i nebankovn\u00edch poskytovatel\u016f p\u016fj\u010dek to \u010dasto b\u00fdvaj\u00ed r\u016fzn\u00e9 poplatky. Dluhy v\u00e1znouc\u00ed na nemovitosti tak mohou v kone\u010dn\u00e9m d\u016fsledku v\u00e9st a\u017e k jej\u00ed ztr\u00e1t\u011b. Nemovitost se nejprve dostane do exekuce, a pokud dlu\u017en\u00edk sv\u00e9 z\u00e1vazky v t\u00e9to f\u00e1zi neuhrad\u00ed, p\u0159ich\u00e1z\u00ed na \u0159adu nucen\u00e1 dra\u017eba.  C\u00edl dra\u017eby je jedin\u00fd: Nemovitost prodat a za utr\u017een\u00e9 prost\u0159edky uspokojit pr\u00e1v\u011b dluh. Ten m\u016f\u017ee vyv\u011brat z nespl\u00e1cen\u00e9 hypot\u00e9ky, kter\u00e1 se uk\u00e1zala b\u00fdt nad s\u00edly dlu\u017en\u00edka, ale tak\u00e9 z mnoha men\u0161\u00edch \u00fav\u011br\u016f, kter\u00e9 se na jeho \u017eivotn\u00ed situaci nabalily.  Konsolidace nebo refinancov\u00e1n\u00ed mohou b\u00fdt \u0159e\u0161en\u00edm V takov\u00e9m p\u0159\u00edpad\u011b m\u016f\u017ee je\u0161t\u011b pomoci tzv. konsolidace dluh\u016f, tedy jejich slou\u010den\u00ed do jedin\u00e9 spl\u00e1tky. Tato spl\u00e1tka je zpravidla finan\u010dn\u011b v\u00fdhodn\u011bj\u0161\u00ed ve srovn\u00e1n\u00ed s placen\u00edm n\u011bkolika r\u016fzn\u00fdch p\u016fj\u010dek. Sn\u00ed\u017e\u00ed se o \u00faroky, kter\u00e9 by jinak nab\u00edhaly u ka\u017ed\u00e9 p\u016fj\u010dky zvl\u00e1\u0161\u0165, pota\u017emo i o ji\u017e vzpomenut\u00e9 poplatky. Naopak pokud na nemovitosti v\u00e1zne pouze hypot\u00e9ka, mo\u017en\u00e1 by se ji vyplatilo refinancovat. Tedy v podstat\u011b p\u0159en\u00e9st k jin\u00e9 bance, kter\u00e1 je v\u00e1m schopna v aktu\u00e1ln\u00ed situaci nab\u00eddnout v\u00fdhodn\u011bj\u0161\u00ed podm\u00ednky. Co\u017e zpravidla obn\u00e1\u0161\u00ed op\u011bt prim\u00e1rn\u011b ni\u017e\u0161\u00ed \u00farokovou sazbu. V p\u0159\u00edpad\u011b, \u017ee ani jedna z t\u011bchto variant nen\u00ed pro dlu\u017en\u00edka \u0159e\u0161en\u00edm, p\u0159ich\u00e1z\u00ed na \u0159adu prodej nemovitosti.   Jak prob\u00edh\u00e1 oddlu\u017een\u00ed nemovitosti prodejem Prodej nemovitosti je v\u017edy v\u00fdhodn\u011bj\u0161\u00edm \u0159e\u0161en\u00edm ne\u017e nucen\u00e1 dra\u017eba, a\u010dkoli c\u00edl obou proces\u016f je shodn\u00fd. V r\u00e1mci dra\u017eby se nemovitost prod\u00e1v\u00e1 v prvn\u00edm kole za 2\/3 ceny ur\u010den\u00e9 znalcem. Prodat je mo\u017en\u00e9 nemovitost za v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u010d\u00e1stku. Je v\u0161ak probl\u00e9m, \u017ee klasick\u00fd prodej je v t\u00e9to situaci obvykle nere\u00e1ln\u00fd, nebo\u0165 na n\u011bj nezb\u00fdv\u00e1 \u010das a pro potenci\u00e1ln\u00ed z\u00e1jemce je i p\u0159\u00edli\u0161 rizikov\u00fd. P\u0159esto existuje varianta, d\u00edky n\u00ed\u017e m\u016f\u017eete z prodeje nemovitosti vyt\u011b\u017eit maximum. Jedn\u00e1 se o tzv. v\u00fdkup nemovitosti. Ten realizuje specializovan\u00e1 spole\u010dnost. V\u00fdhodou tohoto postupu je rychlost, prod\u00e1vaj\u00edc\u00ed z\u00edsk\u00e1 prost\u0159edky ze sv\u00e9 nemovitosti v hotovosti a prakticky okam\u017eit\u011b. Doty\u010dn\u00e1 spole\u010dnost vyu\u017e\u00edv\u00e1 k vykupov\u00e1n\u00ed nemovitost\u00ed vlastn\u00ed kapit\u00e1l. Z\u00edskanou nemovitost se n\u00e1sledn\u011b pokus\u00ed zpen\u011b\u017eit. Nemus\u00ed se to samoz\u0159ejm\u011b v\u017edy poda\u0159it. Proto v\u00e1m ani v\u00fdkup nemovitosti nezajist\u00ed plnou tr\u017en\u00ed cenu. Prodat nemovitost se slevou pr\u016fm\u011brn\u011b 20 a\u017e 30 % se v\u00e1m v\u0161ak st\u00e1le v takov\u00e9 situaci vyplat\u00ed. Sou\u010d\u00e1st\u00ed t\u011bchto slu\u017eeb je nav\u00edc i mo\u017enost jedn\u00e1n\u00ed s exekutory a pr\u00e1vn\u00ed servis, kter\u00fd zajist\u00ed, \u017ee se probl\u00e9my nebudou zbyte\u010dn\u011b prohlubovat a v\u0161e se vy\u0159e\u0161\u00ed tak, aby v co nejkrat\u0161\u00edm \u010dase do\u0161lo ke kompletn\u00edmu oddlu\u017een\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (9 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Oddlu\u017een\u00ed nemovitosti prodejem","item":"https:\/\/www.mesalina.cz\/oddluzeni-nemovitosti-prodejem\/#breadcrumbitem"}]}]