[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bidrin.cz\/kdy-je-vhodne-zvazit-konsolidaci-pujcek\/#Article","mainEntityOfPage":"https:\/\/www.bidrin.cz\/kdy-je-vhodne-zvazit-konsolidaci-pujcek\/","headline":"Kdy je vhodn\u00e9 zv\u00e1\u017eit konsolidaci p\u016fj\u010dek","name":"Kdy je vhodn\u00e9 zv\u00e1\u017eit konsolidaci p\u016fj\u010dek","description":"Jednou z m\u00e9n\u011b p\u011bkn\u00fdch statistik je, \u017ee nadpolovi\u010dn\u00ed v\u011bt\u0161ina plnolet\u00fdch obyvatel m\u00e1 v tuto chv\u00edli p\u016fj\u010dku, kterou spl\u00e1c\u00ed. Jist\u011b, v n\u011bkter\u00fdch p\u0159\u00edpadech se to d\u00e1 pochopit, av\u0161ak asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee valn\u00e1 v\u011bt\u0161ina lid\u00ed se t\u00edmto zp\u016fsobem sna\u017e\u00ed vy\u0159e\u0161it svou \u0161patnou finan\u010dn\u00ed situaci \u2013 a to rozhodn\u011b nen\u00ed ide\u00e1ln\u00ed. Mnohdy se stane, \u017ee dlu\u017en\u00edk […]","datePublished":"2026-04-11","dateModified":"2026-04-11","author":{"@type":"Person","@id":"https:\/\/www.bidrin.cz\/author\/#Person","name":"","url":"https:\/\/www.bidrin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b682f75cb96d085fca5fbc8ca3f08e323444e236f6e6028585b73de81c46f711?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bidrin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bidrin.cz\/wp-content\/uploads\/pujcka1_10_10_8.jpg","url":"https:\/\/www.bidrin.cz\/wp-content\/uploads\/pujcka1_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.bidrin.cz\/kdy-je-vhodne-zvazit-konsolidaci-pujcek\/","about":["V\u00fdrobky"],"wordCount":434,"articleBody":"   Jednou z m\u00e9n\u011b p\u011bkn\u00fdch statistik je, \u017ee nadpolovi\u010dn\u00ed v\u011bt\u0161ina plnolet\u00fdch obyvatel m\u00e1 v tuto chv\u00edli p\u016fj\u010dku, kterou spl\u00e1c\u00ed. Jist\u011b, v n\u011bkter\u00fdch p\u0159\u00edpadech se to d\u00e1 pochopit, av\u0161ak asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee valn\u00e1 v\u011bt\u0161ina lid\u00ed se t\u00edmto zp\u016fsobem sna\u017e\u00ed vy\u0159e\u0161it svou \u0161patnou finan\u010dn\u00ed situaci \u2013 a to rozhodn\u011b nen\u00ed ide\u00e1ln\u00ed.Mnohdy se stane, \u017ee dlu\u017en\u00edk nem\u00e1 dostatek prost\u0159edk\u016f na to, aby svou st\u00e1vaj\u00edc\u00ed p\u016fj\u010dku spl\u00e1cel. Tento probl\u00e9m pak leckdy \u0159e\u0161\u00ed t\u00edm, \u017ee si vezme je\u0161t\u011b jednu, jej\u00ed\u017e pen\u00edze pou\u017eije na spl\u00e1tku t\u00e9 prvn\u00ed. Av\u0161ak to je jen p\u0159echod z bl\u00e1ta do lou\u017ee. Nicm\u00e9n\u011b je to jeden z d\u016fvod\u016f, pro\u010d mnoho lid\u00ed m\u00e1 v\u00edce ne\u017e jednu aktivn\u00ed p\u016fj\u010dku.Asi nen\u00ed t\u0159eba \u0159\u00edkat, \u017ee pak je situace pom\u011brn\u011b slo\u017eit\u011bj\u0161\u00ed, zvl\u00e1\u0161t\u011b kdy\u017e ka\u017ed\u00e1 z nich je u jin\u00e9ho poskytovatele. A tak tomu je v podstat\u011b v\u017edy, nebo\u0165 \u017e\u00e1dn\u00fd poskytovatel v\u00e1m neschv\u00e1l\u00ed p\u016fj\u010dku, pokud u n\u011bj je\u0161t\u011b m\u00e1te n\u011bjakou nesplacenou. Na\u0161t\u011bst\u00ed zde existuje zp\u016fsob, jak si celou v\u011bc zjednodu\u0161it.M\u016f\u017eeme nap\u0159\u00edklad zkusit konsolidaci p\u016fj\u010dek. Tuto nab\u00edz\u00ed valn\u00e1 v\u011bt\u0161ina firem zab\u00fdvaj\u00edc\u00edch se p\u016fj\u010dkami a hypot\u00e9kami, a\u0165 u\u017e bankovn\u00ed \u010di nebankovn\u00ed. Jednodu\u0161e \u0159e\u010deno, vy si p\u0159evedete ve\u0161ker\u00e9 sv\u00e9 p\u016fj\u010dky k jednomu poskytovateli, kde na ni bude nahl\u00ed\u017eeno jako na jednu velkou p\u016fj\u010dku.Jak to ale funguje v praxi? Pokud po\u017e\u00e1d\u00e1te o konsolidaci a je v\u00e1m schv\u00e1lena, pak nov\u00fd poskytovatel v podstat\u011b \u201eodkoup\u00ed\u201c va\u0161e p\u016fj\u010dky od t\u011bch st\u00e1vaj\u00edc\u00edch, a vy danou \u010d\u00e1stku budete d\u00e1le spl\u00e1cet jim. Na prvn\u00ed pohled to zn\u00ed dob\u0159e, av\u0161ak jsou zde i ur\u010dit\u00e9 nev\u00fdhody, o kter\u00fdch je pot\u0159eba v\u011bd\u011bt.V prvn\u00ed \u0159ad\u011b nakonec v\u011bt\u0161inou zaplat\u00edte v\u00edce, ne\u017e kdybyste platili p\u016fvodn\u00edmu poskytovateli. Jist\u011b, \u00faroky mohou b\u00fdt ni\u017e\u0161\u00ed, av\u0161ak celkov\u00e9 RPSN obvykle vzroste. T\u00edm v podstat\u011b plat\u00edte za poskytnut\u00e9 pohodl\u00ed. Jestli\u017ee jste v\u0161ak v takov\u00e9 situaci, kdy sv\u00e9 finan\u010dn\u00ed obt\u00ed\u017ee \u0159e\u0161\u00edte p\u016fj\u010dkami, pak platit v\u00edc je to posledn\u00ed, co pot\u0159ebujete. Proto bu\u010fte opatrn\u00ed, ne\u017e se do toho pust\u00edte.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kdy je vhodn\u00e9 zv\u00e1\u017eit konsolidaci p\u016fj\u010dek","item":"https:\/\/www.bidrin.cz\/kdy-je-vhodne-zvazit-konsolidaci-pujcek\/#breadcrumbitem"}]}]