{"id":8281,"date":"2013-07-26T09:10:07","date_gmt":"2013-07-26T07:10:07","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=8281"},"modified":"2013-07-26T09:12:27","modified_gmt":"2013-07-26T07:12:27","slug":"duchodci-se-zadluzuji-kvuli-podpore-rodiny-p","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=8281","title":{"rendered":"D\u016fchodci se zadlu\u017euj\u00ed, aby pomohli sv\u00fdm d\u011btem"},"content":{"rendered":"

Podpora rodiny a p\u0159\u00edbuzn\u00fdch je jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch d\u016fvod\u016f finan\u010dn\u00edch probl\u00e9m\u016f senior\u016f. Starobn\u00ed \u010di invalidn\u00ed d\u016fchod pak nesta\u010d\u00ed na v\u010dasn\u00e9 spl\u00e1cen\u00ed z\u00e1vazk\u016f a doch\u00e1z\u00ed k problematick\u00e9mu zadlu\u017een\u00ed.<\/strong><\/p>\n

<\/p>\n

Podle \u00fadaj\u016f finan\u010dn\u00ed skupiny KRUK, kter\u00e1 spravuje dluhy v\u00edce ne\u017e dvou tis\u00edc osob ve v\u011bku nad 65 let, se pr\u016fm\u011brn\u00fd dluh \u010desk\u00e9ho seniora pohybuje ve v\u00fd\u0161i 47 200 K\u010d.<\/p>\n

Babi\u010dky a d\u011bde\u010dkov\u00e9 cht\u011bj\u00ed sv\u00fdm nejbli\u017e\u0161\u00edm pomoci, podlehnou prosb\u00e1m a vezmou na sebe z\u00e1vazky, kter\u00e9 ale mnohdy nejsou schopni zvl\u00e1dnout.<\/p>\n

Zhor\u0161uj\u00edc\u00ed se situaci dokl\u00e1d\u00e1 rostouc\u00ed po\u010det exekuc\u00ed na d\u016fchody. Probl\u00e9m nast\u00e1v\u00e1 nej\u010dast\u011bji v moment\u011b, kdy se rodina p\u0159estane z r\u016fzn\u00fdch d\u016fvod\u016f o svoje dluhy starat a senior z\u016fstane na spl\u00e1tky s\u00e1m.<\/p>\n

Nemus\u00ed j\u00edt o zl\u00fd \u00famysl<\/strong><\/p>\n

„P\u0159eru\u0161en\u00ed spl\u00e1tek p\u016fj\u010dky nemus\u00ed b\u00fdt zl\u00fdm \u00famyslem rodiny. Praxe ukazuje, \u017ee \u010ce\u0161i obecn\u011b cht\u011bj\u00ed spl\u00e1cet sv\u00e9 dluhy bez ohledu na to, jestli si \u00fav\u011br vzali sami, nebo vyu\u017eili pomoci rodi\u010d\u016f \u010di prarodi\u010d\u016f. Ekonomick\u00e1 situace bohu\u017eel p\u0159in\u00e1\u0161\u00ed zv\u00fd\u0161en\u00e9 riziko upadnut\u00ed do finan\u010dn\u00edch pot\u00ed\u017e\u00ed a neschopnosti spl\u00e1cet z\u00e1vazky,“ \u0159\u00edk\u00e1 Krzysztof R\u00f3\u017cycki, gener\u00e1ln\u00ed \u0159editel spole\u010dnosti KRUK \u010cesk\u00e1 a Slovensk\u00e1 republika.<\/p>\n

Senio\u0159i obvykle nemaj\u00ed p\u0159\u00edli\u0161 vysok\u00fd p\u0159\u00edjem. \u010c\u00e1stka, kter\u00e1 zbude po ode\u010dten\u00ed v\u00fddaj\u016f za bydlen\u00ed, potraviny a l\u00e9ky, \u010dasto nesta\u010d\u00ed na spl\u00e1tky \u00fav\u011br\u016f.<\/p>\n

Nesplacen\u00e1 p\u016fj\u010dka pochopiteln\u011b nezmiz\u00ed, naopak se zv\u011bt\u0161uje o \u00faroky a d\u0159\u00edve \u010di pozd\u011bji se dostane k firm\u011b spravuj\u00edc\u00ed pohled\u00e1vky, \u010di dokonce k soudu a exekutorovi. Finan\u010dn\u00ed z\u00e1vazky, kter\u00e9 na sebe senio\u0159i berou, aby pomohli sv\u00fdm nejbli\u017e\u0161\u00edm, jsou nej\u010dast\u011bj\u0161\u00ed, ale nikoli jedinou p\u0159\u00ed\u010dinou zadlu\u017een\u00ed nejvy\u0161\u0161\u00ed v\u011bkov\u00e9 skupiny \u010desk\u00fdch obyvatel.<\/p>\n

Dlu\u017en\u00edka m\u016f\u017ee zasko\u010dit nemoc<\/strong><\/p>\n

„Star\u0161\u00ed lid\u00e9 jsou zpravidla velmi dobr\u00fdmi dlu\u017en\u00edky. V p\u0159\u00edpad\u011b, \u017ee si berou p\u016fj\u010dku pro vlastn\u00ed pot\u0159ebu, velmi dob\u0159e dok\u00e1\u017eou odhadnout sv\u00e9 mo\u017enosti. P\u016fj\u010duj\u00ed si obvykle men\u0161\u00ed obnosy a pravideln\u011b hrad\u00ed spl\u00e1tky. \u010casem se ov\u0161em mohou objevit ne\u010dekan\u00e9 v\u00fddaje, nap\u0159. na l\u00e9\u010den\u00ed. A proto\u017ee je zdrav\u00ed p\u0159edn\u011bj\u0161\u00ed, dostanou se spl\u00e1tky \u00fav\u011bru na vedlej\u0161\u00ed kolej,“ vysv\u011btluje Krzysztof R\u00f3\u017cycki.<\/p>\n

Nejv\u00edce zadlu\u017een\u00fdch senior\u016f \u017eije v Moravskoslezsk\u00e9m kraji, druh\u00fdm v po\u0159ad\u00ed je St\u0159edo\u010desk\u00fd kraj s \u0159\u00e1dov\u011b stovkami zadlu\u017een\u00fdch senior\u016f. Nejm\u00e9n\u011b zadlu\u017een\u00fdm krajem je Plze\u0148sk\u00fd, kde star\u0161\u00ed lid\u00e9 pr\u016fm\u011brn\u011b dlu\u017e\u00ed 34 450 K\u010d.<\/p>\n

Z finan\u010dn\u00edch t\u011b\u017ekost\u00ed se d\u00e1 vyj\u00edt s \u010dist\u00fdm \u0161t\u00edtem, i kdy\u017e to vy\u017eaduje zna\u010dn\u00e9 \u00fasil\u00ed, zm\u011bnu platebn\u00edch n\u00e1vyk\u016f a pe\u010dlivou kontrolu dom\u00e1c\u00edho rozpo\u010dtu. Situace senior\u016f je v\u0161ak do zna\u010dn\u00e9 m\u00edry specifick\u00e1. Jejich mo\u017enosti nav\u00fd\u0161en\u00ed p\u0159\u00edjmu jsou omezen\u00e9 a v\u00fddaje na l\u00e9ka\u0159skou p\u00e9\u010di nebo na uspokojen\u00ed z\u00e1kladn\u00edch \u017eivotn\u00edch pot\u0159eb se t\u011b\u017eko daj\u00ed redukovat.<\/p>\n

Zv\u00e1\u017eit sv\u00e9 mo\u017enosti<\/strong><\/p>\n

„Nejd\u016fle\u017eit\u011bj\u0161\u00ed je pe\u010dliv\u011b zv\u00e1\u017eit sv\u00e9 mo\u017enosti tak, aby k probl\u00e9m\u016fm se zadlu\u017een\u00edm v\u016fbec nedo\u0161lo. Senio\u0159i mus\u00ed ke v\u0161em nab\u00eddk\u00e1m a akc\u00edm p\u0159istupovat s velkou opatrnost\u00ed. Ne\u017e si vezmou p\u016fj\u010dku, kreditn\u00ed kartu nebo provedou v\u011bt\u0161\u00ed n\u00e1kup na \u00fav\u011br, m\u011bli by se zamyslet, zda to opravdu pot\u0159ebuj\u00ed a p\u0159edev\u0161\u00edm jestli budou p\u0159ijat\u00e9 z\u00e1vazky schopni pln\u011b splatit,“ rad\u00ed Krzysztof R\u00f3\u017cycki.<\/p>\n

Snaha pomoci d\u011btem a vnuk\u016fm je pochopiteln\u00e1, o to v\u00edce je v\u0161ak t\u0159eba v t\u011bchto z\u00e1le\u017eitostech postupovat rozv\u00e1\u017en\u011b. Obvykl\u00fdm d\u016fvodem seniorsk\u00fdch p\u016fj\u010dek jsou n\u00e1kupy po\u010d\u00edta\u010dov\u00e9ho vybaven\u00ed, elektrospot\u0159ebi\u010d\u016f nebo rekonstrukce bytu.<\/p>\n

Situace na trhu pr\u00e1ce je bohu\u017eel velmi nejist\u00e1 a m\u016f\u017ee se st\u00e1t, \u017ee i p\u0159es nejup\u0159\u00edmn\u011bj\u0161\u00ed snahu z\u00e1vazky spl\u00e1cet, nebude rodina schopna sv\u00e9 dluhy hradit. V\u017edy je proto na prvn\u00edm m\u00edst\u011b ot\u00e1zka, jak v takov\u00e9m p\u0159\u00edpad\u011b postupovat.<\/p>\n

Nejhor\u0161\u00ed variantou je tv\u00e1\u0159it se, jako by z\u00e1vazek neexistoval. Naopak je nutn\u00e9 spojit se co nejrychleji s firmou spravuj\u00edc\u00ed pohled\u00e1vky a otev\u0159en\u011b ji sezn\u00e1mit se svou finan\u010dn\u00ed situaci.<\/p>\n

Nejlep\u0161\u00ed je po\u017e\u00e1dat o mo\u017enost spl\u00e1tkov\u00e9ho kalend\u00e1\u0159e a domluvit si individu\u00e1ln\u00ed v\u00fd\u0161i spl\u00e1tek. Aby byla dohoda co nejefektivn\u011bj\u0161\u00ed, m\u011bl by senior uv\u00e9st v\u00fd\u0161i starobn\u00edho nebo invalidn\u00edho d\u016fchodu a celkov\u00e9 m\u011bs\u00ed\u010dn\u00ed v\u00fddaje. Jen tak bude m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka maxim\u00e1ln\u011b p\u0159izp\u016fsobena jeho re\u00e1ln\u00fdm finan\u010dn\u00edm mo\u017enostem.<\/p>\n","protected":false},"excerpt":{"rendered":"

Podpora rodiny a p\u0159\u00edbuzn\u00fdch je jedn\u00edm z nej\u010dast\u011bj\u0161\u00edch d\u016fvod\u016f finan\u010dn\u00edch probl\u00e9m\u016f senior\u016f. Starobn\u00ed \u010di invalidn\u00ed d\u016fchod pak nesta\u010d\u00ed na v\u010dasn\u00e9 spl\u00e1cen\u00ed z\u00e1vazk\u016f a doch\u00e1z\u00ed k […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":2716,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8281","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/8281","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=8281"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/8281\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/2716"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=8281"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=8281"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=8281"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}