{"id":17769,"date":"2014-10-07T11:10:24","date_gmt":"2014-10-07T09:10:24","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=17769"},"modified":"2014-10-07T11:11:51","modified_gmt":"2014-10-07T09:11:51","slug":"pocet-zadluzenych-senioru-stoupa-osobni-bankrot-vsak-vyhlasuji-jen-mimoradne","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=17769","title":{"rendered":"Po\u010det zadlu\u017een\u00fdch senior\u016f stoup\u00e1. Bankrot v\u0161ak vyhla\u0161uj\u00ed jen vz\u00e1cn\u011b"},"content":{"rendered":"<p><span style=\"font-family: Arial,sans-serif;\"><b>Od roku 2007 se po\u010det senior\u016f, kte\u0159\u00ed maj\u00ed d\u016fchod zat\u00ed\u017een\u00fd exekuc\u00ed, zdvojn\u00e1sobil. Jen v\u00a0lo\u0148sk\u00e9m roce se jich podle \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed provedlo t\u00e9m\u011b\u0159 71 tis\u00edc. <\/b><\/span><!--more--><\/p>\n<p><span style=\"font-family: Arial,sans-serif;\">V\u011bt\u0161ina senior\u016f, kte\u0159\u00ed \u010del\u00ed exekuci, si s sebou p\u0159inesla dluhy u\u017e z produktivn\u00edho v\u011bku. Exekuce se v 76 procentech t\u00fdkaj\u00ed \u010derstv\u00fdch d\u016fchodc\u016f.<\/span><\/p>\n<p class=\"western\" align=\"justify\"><span style=\"font-family: Arial,sans-serif;\"><b>Nej\u010dast\u011bj\u0161\u00edm d\u016fvodem zadlu\u017een\u00ed senior\u016f je \u0161patn\u00fd propo\u010det pln\u011bn\u00ed, kter\u00e9 mus\u00ed odv\u00e9st v\u011b\u0159itel\u016fm d\u0159\u00edve, ne\u017e dojde k poklesu jejich p\u0159\u00edjm\u016f v d\u016fsledku d\u016fchodu.<\/b><\/span> <span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\">\u201eDal\u0161\u00edm d\u016fvodem je to, \u017ee kv\u016fli ztr\u00e1t\u011b zam\u011bstn\u00e1n\u00ed po\u017e\u00e1daj\u00ed o p\u0159ed\u010dasn\u00fd d\u016fchod a op\u011bt nemaj\u00ed dostate\u010dnou finan\u010dn\u00ed rezervu pro p\u0159\u00edpadn\u00e9 spl\u00e1cen\u00ed p\u0159edchoz\u00edch z\u00e1vazk\u016f. Mo\u017enost\u00ed, jak se senio\u0159i dost\u00e1vaj\u00ed do finan\u010dn\u00edch probl\u00e9m\u016f, je tak\u00e9 situace, kdy jsou p\u0159ed n\u00e1stupem do d\u016fchodu dlouhodob\u011b nezam\u011bstnan\u00ed a finan\u010dn\u00ed rezervu vy\u010derpaj\u00ed. <\/span><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\"><b>Nez\u0159\u00eddka se tak\u00e9 st\u00e1v\u00e1, \u017ee se zadlu\u017e\u00ed ve snaze pomoci sv\u00fdm d\u011btem<\/b><\/span><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\">,\u201c <\/span><\/span><span style=\"font-family: Arial,sans-serif;\">\u0159ekl Jan Mal\u00fd, ohl\u00e1\u0161en\u00fd spole\u010dn\u00edk spole\u010dnosti VPI CZ, v.o.s.<\/span><\/p>\n<p class=\"western\" align=\"justify\"><span style=\"font-family: Arial,sans-serif;\">Nej\u010dast\u011bj\u0161\u00edm zp\u016fsobem \u00fahrady z\u00e1vazk\u016f je pravideln\u00e9 strh\u00e1v\u00e1n\u00ed dan\u00e9 \u010d\u00e1stky z\u00a0vym\u011b\u0159en\u00e9ho d\u016fchodu.<\/span> <span style=\"font-family: Arial,sans-serif;\">Sv\u00e9 dluhy senio\u0159i na rozd\u00edl od mlad\u0161\u00edch dlu\u017en\u00edk\u016f zpravidla vyhl\u00e1\u0161en\u00edm osobn\u00edho bankrotu ne\u0159e\u0161\u00ed. <\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\">\u201e<\/span><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\"><b>V roce 2013 po\u017e\u00e1dalo o oddlu\u017een\u00ed 30 029 osob, senior\u016f mezi nimi byla jen zanedbateln\u00e1 \u010d\u00e1st.<\/b><\/span><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\"> Senio\u0159i toti\u017e standardn\u011b pod\u00e1vaj\u00ed insolven\u010dn\u00ed n\u00e1vrhy m\u00e9n\u011b \u010dasto ne\u017e lid\u00e9 do 50 let. <\/span><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\"><b>Nejv\u00edce lid\u00ed vyhla\u0161uj\u00edc\u00edch osobn\u00ed bankrot je ve v\u011bkov\u00e9m rozmez\u00ed 28 a\u017e 50 let<\/b><\/span><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\">,\u201c <\/span><\/span><span style=\"font-family: Arial,sans-serif;\">popsal Jan Mal\u00fd.<\/span><\/p>\n<p class=\"western\" align=\"justify\"><span style=\"font-family: Arial,sans-serif;\"><b>Podle odborn\u00edk\u016f p\u0159itom oddlu\u017een\u00ed senior\u016f zpravidla b\u00fdv\u00e1 snaz\u0161\u00ed ne\u017e u lid\u00ed v\u00a0produktivn\u00edm v\u011bku. <\/b><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\">\u201eU t\u00e9to skupiny lid\u00ed nenast\u00e1v\u00e1 mnoho \u017eivotn\u00edch ud\u00e1lost\u00ed, jako je nap\u0159\u00edklad narozen\u00ed potomka, ztr\u00e1ta zam\u011bstn\u00e1n\u00ed nebo majetkov\u00e1 trestn\u00e1 \u010dinnost, kter\u00e9 nejr\u016fzn\u011bj\u0161\u00edm zp\u016fsobem zasahuj\u00ed do pr\u016fb\u011bhu insolven\u010dn\u00edho \u0159\u00edzen\u00ed. Jejich \u0159\u00edzen\u00ed tak v\u011bt\u0161inou bez v\u00fdrazn\u011bj\u0161\u00edch komplikac\u00ed sm\u011b\u0159uje k\u00a0vy\u0159e\u0161en\u00ed finan\u010dn\u00ed situace,\u201c <\/span><\/span><span style=\"font-family: Arial,sans-serif;\">vysv\u011btlil Jan Mal\u00fd.<\/span><\/p>\n<p class=\"western\" align=\"justify\"><span style=\"font-family: Arial,sans-serif;\">Pro insolven\u010dn\u00ed spr\u00e1vce je oddlu\u017een\u00ed senior\u016f jednodu\u0161\u0161\u00ed tak\u00e9 proto, \u017ee maj\u00ed od \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed zaji\u0161t\u011bn\u00fd pravideln\u00fd p\u0159\u00edjem bez v\u00fdpadku a p\u0159ich\u00e1z\u00ed pravideln\u00e1 spl\u00e1tka. <\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\">\u201e<\/span><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\"><b>Je proto snadn\u00e9 vypo\u010d\u00edtat, zda senior\u016fm tento p\u0159\u00edjem posta\u010duje, \u010di mus\u00ed zajistit jin\u00fd, t\u0159eba formou smlouvy o d\u016fchodu.<\/b><\/span><\/span><span style=\"color: #1f497d;\"><span style=\"font-family: Arial,sans-serif;\"> Takovou smlouvu mohou mezi sebou nap\u0159\u00edklad uzav\u0159\u00edt rodi\u010de s\u00a0potomky. Ti se zav\u00e1\u017eou, \u017ee jim budou pravideln\u011b vypl\u00e1cet konkr\u00e9tn\u00ed \u010d\u00e1stku,\u201c <\/span><\/span><span style=\"font-family: Arial,sans-serif;\">poznamenal Jan Mal\u00fd.<\/span><\/p>\n<p class=\"western\" align=\"justify\">invArena<\/p>\n<p class=\"western\" align=\"justify\">ilustra\u010dn\u00ed foto: LeoSynapse \/ sxc.hu<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: small;\"><b>O ve\u0159ejn\u00e9 obchodn\u00ed spole\u010dnosti VPI CZ, v.o.s. (V\u0160E PRO INSOLVENCI), www.vpi.hjf.cz<\/b><\/span><\/p>\n<p class=\"western\" align=\"justify\"><span style=\"font-family: Arial,sans-serif;\"><span style=\"font-size: small;\">Ve\u0159ejn\u00e1 obchodn\u00ed spole\u010dnost VPI CZ (V\u0161e pro insolvenci) byla zalo\u017eena jako spojen\u00ed dce\u0159in\u00e9 spole\u010dnosti advok\u00e1tn\u00ed kancel\u00e1\u0159e Hartmann, Jel\u00ednek, Fr\u00e1\u0148a a partne\u0159i a advok\u00e1tn\u00ed kancel\u00e1\u0159e Mgr. Ivan Bramba\u0161ki (spole\u010dnosti zalo\u017een\u00e9 t\u00edmto advok\u00e1tem) po\u010d\u00e1tkem roku 2014. Svou \u010dinnost zah\u00e1jila v\u00a0\u010dervnu t\u00e9ho\u017e roku. <\/span><\/span><\/p>\n<p class=\"western\" align=\"justify\"><span style=\"font-family: Arial,sans-serif;\"><span style=\"font-size: small;\">V\u00a0jej\u00edm \u010dele stoj\u00ed pr\u00e1vn\u00edk Jan Mal\u00fd, kter\u00fd je opr\u00e1vn\u011bn k\u00a0v\u00fdkonu funkce insolven\u010dn\u00edho spr\u00e1vce se zvl\u00e1\u0161tn\u00edm povolen\u00edm. Specifick\u00e1 specializace insolven\u010dn\u00edho spr\u00e1vce se zvl\u00e1\u0161tn\u00edm povolen\u00edm p\u0159edur\u010duje spole\u010dnost pro v\u00fdkon ve velk\u00fdch a zvl\u00e1\u0161t\u011b slo\u017eit\u00fdch insolven\u010dn\u00edch \u0159\u00edzen\u00edch. D\u016fraz je kladen na bankovn\u00ed a finan\u010dn\u00ed sf\u00e9ru. <\/span><\/span><\/p>\n<p class=\"western\" align=\"justify\"><span style=\"font-family: Arial,sans-serif;\"><span style=\"font-size: small;\">Nad r\u00e1mec hlavn\u00ed specializace je spole\u010dnost schopna zajistit standardn\u00ed slu\u017eby, jako je insolven\u010dn\u00ed spr\u00e1vcovstv\u00ed v oblasti konkurzu, reorganizace a oddlu\u017een\u00ed, insolven\u010dn\u00ed spr\u00e1vcovstv\u00ed zvl\u00e1\u0161tn\u00edch subjekt\u016f, jako jsou banky, poji\u0161\u0165ovny, dru\u017estevn\u00ed z\u00e1lo\u017eny a zaji\u0161\u0165ovny, a p\u0159\u00edprava reorganiza\u010dn\u00edch pl\u00e1n\u016f.<\/span><\/span><\/p>\n<p class=\"western\">\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Od roku 2007 se po\u010det senior\u016f, kte\u0159\u00ed maj\u00ed d\u016fchod zat\u00ed\u017een\u00fd exekuc\u00ed, zdvojn\u00e1sobil. Jen v\u00a0lo\u0148sk\u00e9m roce se jich podle \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed provedlo t\u00e9m\u011b\u0159 71 <a class=\"mh-excerpt-more\" href=\"https:\/\/www.invarena.cz\/?p=17769\" title=\"Po\u010det zadlu\u017een\u00fdch senior\u016f stoup\u00e1. Bankrot v\u0161ak vyhla\u0161uj\u00ed jen vz\u00e1cn\u011b\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":14424,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-17769","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spolecnost"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/17769","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=17769"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/17769\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/14424"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=17769"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=17769"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=17769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}