[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.inma.cz\/co-je-to-registr-dluzniku\/#Article","mainEntityOfPage":"https:\/\/www.inma.cz\/co-je-to-registr-dluzniku\/","headline":"Co je to registr dlu\u017en\u00edk\u016f?","name":"Co je to registr dlu\u017en\u00edk\u016f?","description":"Registr dlu\u017en\u00edk\u016f existuje ji\u017e dlouhou dobu. Tento registr pom\u00e1h\u00e1 zejm\u00e9na bank\u00e1m, ale i nebankovn\u00edm spole\u010dnostem v p\u0159\u00edpad\u011b, kdy si pot\u0159ebuj\u00ed zjistit, jak je na tom dan\u00fd \u010dlov\u011bk \u010di podnikatelsk\u00fd subjekt se sv\u00fdmi z\u00e1vazky. Spole\u010dnosti si v n\u011bm mohou zjistit, zda nem\u00e1 subjekt nesplacen\u00e9 z\u00e1vazky, zda sou\u010dasn\u00e9 z\u00e1vazky \u0159\u00e1dn\u011b plat\u00ed, nebo jestli v minulosti nedo\u0161lo k.","datePublished":"2023-09-06","dateModified":"2023-09-06","author":{"@type":"Person","@id":"https:\/\/www.inma.cz\/author\/#Person","name":"","url":"https:\/\/www.inma.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/40308b9402d145b1dc164f447b6506e9dadca8c8362c3ffb52df95e789c0fd10?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"inma.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.inma.cz\/wp-content\/uploads\/towfiqu-barbhuiya-3aGZ7a97qwA-unsplash_2.jpg","url":"https:\/\/www.inma.cz\/wp-content\/uploads\/towfiqu-barbhuiya-3aGZ7a97qwA-unsplash_2.jpg","height":0,"width":0},"url":"https:\/\/www.inma.cz\/co-je-to-registr-dluzniku\/","about":["D\u016fm a zahrada"],"wordCount":406,"articleBody":"      Registr dlu\u017en\u00edk\u016f existuje ji\u017e dlouhou dobu. Tento registr pom\u00e1h\u00e1 zejm\u00e9na bank\u00e1m, ale i nebankovn\u00edm spole\u010dnostem v p\u0159\u00edpad\u011b, kdy si pot\u0159ebuj\u00ed zjistit, jak je na tom dan\u00fd \u010dlov\u011bk \u010di podnikatelsk\u00fd subjekt se sv\u00fdmi z\u00e1vazky. Spole\u010dnosti si v n\u011bm mohou zjistit, zda nem\u00e1 subjekt nesplacen\u00e9 z\u00e1vazky, zda sou\u010dasn\u00e9 z\u00e1vazky \u0159\u00e1dn\u011b plat\u00ed, nebo jestli v minulosti nedo\u0161lo k situaci, kdy je \u0159\u00e1dn\u011b nespl\u00e1cel. To znamen\u00e1 \u017ee pokud jste m\u011bli nap\u0159\u00edklad p\u0159ed n\u011bkolika lety \u00fav\u011br, ale nezvl\u00e1dali jste ho spr\u00e1vn\u011b spl\u00e1cet, tak tohle v\u0161echno se bank\u00e1m objev\u00ed v registru dlu\u017en\u00edk\u016f.V\u0161echny banky maj\u00ed do toho registru voln\u00fd p\u0159\u00edstup. Je to pro n\u011b velmi d\u016fle\u017eit\u00e9. Rozhoduj\u00ed se na z\u00e1klad\u011b tohoto registru nap\u0159\u00edklad, jestli subjektu poskytnou financov\u00e1n\u00ed, nebo nikoliv. To, \u017ee jste v minulosti nezvl\u00e1dali spl\u00e1cet sv\u00e9 dluhy, je pro n\u011b varovn\u00fdm sign\u00e1lem, \u017ee do budoucna nemus\u00edte zvl\u00e1dat spl\u00e1cet financov\u00e1n\u00ed, kter\u00e9 v\u00e1m poskytnou.M\u016f\u017eete nam\u00edtat, \u017ee u\u017e je to p\u0159ed n\u011bjakou dobou, a te\u010f p\u0159eci sv\u00e9 dluhy zvl\u00e1d\u00e1te spl\u00e1cet. Nicm\u00e9n\u011b pokud se \u010dlov\u011bk dostane do takov\u00e9 situace, \u017ee nen\u00ed schopen spl\u00e1cet sv\u00e9 dluhy, p\u0159epokl\u00e1d\u00e1 se, \u017ee je ve finan\u010dn\u00ed t\u00edsni. A k tomu, abyste si vytvo\u0159ili n\u011bjakou rezervu, nevede p\u00e1r m\u011bs\u00edc\u016f, ale ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f pr\u00e1v\u011b n\u011bkolik let.Banky uvid\u00ed figurovat va\u0161e jm\u00e9no v registru dlu\u017en\u00edk\u016f je\u0161t\u011b t\u0159i roky pot\u00e9, co do\u0161lo k \u00fahrad\u011b spl\u00e1tky po datu splatnosti. Jeden rok pot\u00e9, co do\u0161lo k \u00fahrad\u011b, jestli se jednalo za dluh vznikl\u00fd za zpo\u017ed\u011bnou \u00fahradu plynu, elekt\u0159iny nebo slu\u017eeb telekomunika\u010dn\u00edch spole\u010dnost\u00ed.Nezoufejte. Pokud pot\u0159ebujete akutn\u011b p\u016fj\u010dit a jste si jist\u00ed, \u017ee zvl\u00e1dnete sv\u00e9 z\u00e1vazky spl\u00e1cet, n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti jsou v\u00e1m schopny poskytnout p\u016fj\u010dku i v p\u0159\u00edpad\u011b, kdy va\u0161e jm\u00e9no je v registru dlu\u017en\u00edk\u016f. M\u016f\u017eete tak z\u00edskat t\u0159eba spot\u0159ebitelsk\u00fd \u00fav\u011br, nebo hypot\u00e9ku bez registru. Jen si dejte pozor, abyste se dal\u0161\u00ed p\u016fj\u010dkou nedostali je\u0161t\u011b do v\u011bt\u0161\u00ed finan\u010dn\u00ed t\u00edsn\u011b.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to registr dlu\u017en\u00edk\u016f?","item":"https:\/\/www.inma.cz\/co-je-to-registr-dluzniku\/#breadcrumbitem"}]}]