Koronavirus neohro\u017euje jen na\u0161e zdrav\u00ed, ale taky finance. \u0158ada podnikatel\u016f i zam\u011bstnanc\u016f jsou nuceni \u0159e\u0161it sv\u016fj sn\u00ed\u017een\u00fd p\u0159\u00edjem. S t\u00edm bohu\u017eel \u00fazce souvis\u00ed sn\u00ed\u017een\u00e1 schopnost spl\u00e1cet p\u0159\u00edpadn\u00e9 p\u016fj\u010dky a hypot\u00e9ky. Co d\u011blat? D\u00e1 se situace \u0159e\u0161it?
<\/p>\n\n\n\n
Z d\u016fvodu posledn\u00edho d\u011bn\u00ed se i banky rozhodly podat pomocnou ruku. Ve spolupr\u00e1ci s \u010ceskou bankovn\u00ed asociac\u00ed (\u010cBA) hodlaj\u00ed OSV\u010c a zam\u011bstnanc\u016fm povolit mo\u017enost odkladu spl\u00e1tek spot\u0159ebitelsk\u00fdch a hypote\u010dn\u00edch \u00fav\u011br\u016f a\u017e o 3 m\u011bs\u00edce. Z po\u010d\u00e1tku na tento n\u00e1vrh nep\u0159istoupily v\u0161echny banky, ale s postupem \u010dasu z\u00e1stupci bank pochopili, \u017ee tento krok je nevyhnuteln\u00fd.
<\/p>\n\n\n\n
V t\u00e9to souvislosti za\u010dala \u010cBA konzultovat s \u010ceskou n\u00e1rodn\u00ed bankou (\u010cNB) nyn\u011bj\u0161\u00ed bankovn\u00ed dohled. Ten by se m\u011bl pro za\u010d\u00e1tek zm\u00edrnit. Takt\u00e9\u017e je v \u0159e\u0161en\u00ed registr dlu\u017en\u00edk\u016f.
<\/p>\n\n\n\n
Za norm\u00e1ln\u00edch okolnost\u00ed je ka\u017ed\u00fd odklad spl\u00e1tek evidov\u00e1n v registrech dlu\u017en\u00edk\u016f. Ty mapuj\u00ed platebn\u00ed mor\u00e1lku lid\u00ed a firem. Z\u00e1pis tak mohl negativn\u011b ovlivnit budouc\u00ed \u017e\u00e1dosti o \u00fav\u011br.
<\/p>\n\n\n\n
Odklad spl\u00e1tek z d\u016fvodu epidemie koronaviru by v\u0161ak v registrech nem\u011bl b\u00fdt zaznamen\u00e1n. \u010cBA a \u010cNB navrhly metodick\u00fd postup, kter\u00fd aktu\u00e1ln\u011b banky zpracov\u00e1vaj\u00ed ve form\u011b metodick\u00fdch pokyn\u016f a nastaven\u00ed technick\u00fdch proces\u016f.
<\/p>\n\n\n\n
V p\u0159\u00edpad\u011b, \u017ee banku nepo\u017e\u00e1d\u00e1te o odklad spl\u00e1tek, automaticky v\u00e1m je banka neodlo\u017e\u00ed. T\u00edm v\u00e1m bude nab\u00edhat dluh, pop\u0159\u00edpad\u011b v\u00e1s \u010dek\u00e1 pen\u00e1le. Zat\u00edm situace netrv\u00e1 dlouho a nen\u00ed mo\u017en\u00e9 \u0159\u00edct, jak se banky k p\u0159\u00edpadn\u00fdm pokut\u00e1m budou stav\u011bt. Av\u0161ak laxn\u00ed p\u0159\u00edstup v\u00e1s m\u016f\u017ee dostat a\u017e do exekuce.
<\/p>\n\n\n\n
Pokud se v\u00e1m kv\u016fli koronaviru sn\u00ed\u017eily p\u0159\u00edjmy, nev\u00e1hejte kontaktovat va\u0161i banku a zav\u010dasu situaci aktivn\u011b \u0159e\u0161te. Banky jsou p\u0159ipraveny sv\u00fdm klient\u016fm vyj\u00edt vst\u0159\u00edc. Moment\u00e1ln\u011b pracuj\u00ed na syst\u00e9mech, jak nejl\u00e9pe tyto po\u017eadavky odbavovat online. Informace najdete na webov\u00fdch str\u00e1nk\u00e1ch va\u0161\u00ed banky, pop\u0159\u00edpad\u011b v\u00e1m je sd\u011bl\u00ed na jejich infolink\u00e1ch.
<\/p>\n","protected":false},"excerpt":{"rendered":"
Koronavirus neohro\u017euje jen na\u0161e zdrav\u00ed, ale taky finance. \u0158ada podnikatel\u016f i zam\u011bstnanc\u016f jsou nuceni \u0159e\u0161it sv\u016fj sn\u00ed\u017een\u00fd p\u0159\u00edjem. S t\u00edm bohu\u017eel \u00fazce souvis\u00ed sn\u00ed\u017een\u00e1 schopnost spl\u00e1cet p\u0159\u00edpadn\u00e9 p\u016fj\u010dky a hypot\u00e9ky. Co d\u011blat? D\u00e1 se situace \u0159e\u0161it? Banky p\u0159isl\u00edbily odklad spl\u00e1tek Z d\u016fvodu posledn\u00edho d\u011bn\u00ed se i banky rozhodly podat pomocnou ruku. Ve spolupr\u00e1ci s \u010ceskou […]<\/p>\n","protected":false},"author":3,"featured_media":448,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[41,12],"tags":[43,34,38,7,42],"_links":{"self":[{"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/posts\/442"}],"collection":[{"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/comments?post=442"}],"version-history":[{"count":6,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/posts\/442\/revisions"}],"predecessor-version":[{"id":450,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/posts\/442\/revisions\/450"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/media\/448"}],"wp:attachment":[{"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/media?parent=442"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/categories?post=442"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/avogado.cz\/avobook\/wp-json\/wp\/v2\/tags?post=442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}