{"id":968,"date":"2024-03-07T23:41:20","date_gmt":"2024-03-07T22:41:20","guid":{"rendered":"https:\/\/hospodarskyzpravodaj.cz\/?p=968"},"modified":"2024-03-07T23:41:22","modified_gmt":"2024-03-07T22:41:22","slug":"jak-je-to-s-dluhy-ktere-si-jeden-z-manzelu-nadelal-pred-svatbou","status":"publish","type":"post","link":"https:\/\/hospodarskyzpravodaj.cz\/?p=968","title":{"rendered":"Jak je to s dluhy, kter\u00e9 si jeden z man\u017eel\u016f nad\u011blal p\u0159ed svatbou?"},"content":{"rendered":"\n

Man\u017eelstv\u00ed je bezpochyby vzru\u0161uj\u00edc\u00ed a d\u016fle\u017eit\u00fd krok, kter\u00fd m\u016f\u017ee p\u0159in\u00e1\u0161et radost i v\u00fdzvy. Svatebn\u00ed slib se pro mnoh\u00e9 poj\u00ed s l\u00e1skou, ale co kdy\u017e se do man\u017eelstv\u00ed vkr\u00e1daj\u00ed i finan\u010dn\u00ed st\u00edny minulosti? Jak mohou dluhy jednoho z partner\u016f nad\u011blan\u00e9 p\u0159ed svatbou ovlivnit man\u017eelstv\u00ed a jak\u00fd dopad maj\u00ed na spole\u010dnou finan\u010dn\u00ed stabilitu?<\/p>\n\n\n\n

Co s dluhy, kter\u00e9 se objev\u00ed a\u017e po l\u00edb\u00e1nk\u00e1ch?<\/h2>\n\n\n\n

U\u017e jste si \u0159ekli sv\u00e9 ano a u dve\u0159\u00ed se v\u00e1m objev\u00ed exekutor. Vy o \u017e\u00e1dn\u00fdch dluz\u00edch nev\u00edte. Co te\u010f? Samoz\u0159ejm\u011b z\u00e1le\u017e\u00ed i na v\u00fd\u0161i z\u00e1vazku a na tom, zda bude partner kone\u010dn\u011b sd\u00edln\u00fd. Pokud i tak va\u0161e druh\u00e1 polovi\u010dka ml\u010d\u00ed, je zapot\u0159eb\u00ed vyp\u00e1trat, kdy p\u0159esn\u011b dluh vznikl. \u010c\u00edm v\u00edce podrobnost\u00ed a d\u016fkaz\u016f se v\u00e1m poda\u0159\u00ed zajistit, t\u00edm bude dokazov\u00e1n\u00ed snaz\u0161\u00ed.<\/p>\n\n\n\n

Dal\u0161\u00edm krokem bude pod\u00e1n\u00ed n\u00e1vrhu na zastaven\u00ed exekuce. Abyste m\u011bli jistotu, vyu\u017eijte pomoc dluhov\u00e9 poradny nebo advok\u00e1ta, kter\u00fd v\u00e1m s celou z\u00e1le\u017eitost\u00ed porad\u00ed.<\/p>\n\n\n\n

Obecn\u011b za dluhy vznikl\u00e9 je\u0161t\u011b p\u0159ed man\u017eelstv\u00edm odpov\u00edd\u00e1 pouze ten z partner\u016f, kter\u00fd se zav\u00e1zal k jejich placen\u00ed. P\u0159\u00edpadn\u00e1 exekuce v\u0161ak m\u016f\u017ee postihnout i \u010d\u00e1st majetku, kter\u00fd spad\u00e1 do spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f, ale pouze do poloviny, resp. takov\u00e9 \u010d\u00e1sti, na kterou by m\u011bl partner n\u00e1rok p\u0159i rozvodu nebo jin\u00e9m zp\u016fsobu zru\u0161en\u00ed spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f. Do SJM pat\u0159\u00ed v\u0161e, co man\u017eel\u00e9, a\u0165 u\u017e jeden nebo oba spole\u010dn\u011b, z\u00edskaj\u00ed b\u011bhem trv\u00e1n\u00ed man\u017eelstv\u00ed. Co\u017e se vztahuje nejen na majetek, ale tak\u00e9 na z\u00e1vazky, za kter\u00e9 ji\u017e odpov\u00eddaj\u00ed spole\u010dn\u011b.<\/p>\n\n\n\n

Probl\u00e9m\u016fm m\u016f\u017eete p\u0159edej\u00edt d\u00edky p\u0159edman\u017eelsk\u00e9 smlouv\u011b<\/h2>\n\n\n\n

V p\u0159\u00edpad\u011b, \u017ee o dluz\u00edch v\u00edte ji\u017e p\u0159ed svatbou nebo v\u00e1s k tomu vedou jin\u00e9 d\u016fvody, je mo\u017en\u00e9 spole\u010dn\u00e9 jm\u011bn\u00ed man\u017eel\u016f smluvn\u011b upravit. V p\u0159edman\u017eelsk\u00e9 smlouv\u011b se domluv\u00edte na tom, jak budou vypadat majetkov\u00e9 pom\u011bry po svatb\u011b. M\u016f\u017eete zahrnout i fakt, \u017ee ve\u0161ker\u00fd majetek, kter\u00fd si za sv\u00e9 vlastn\u00ed pen\u00edze po\u0159\u00edd\u00ed jeden z budouc\u00edch man\u017eel\u016f b\u011bhem man\u017eelstv\u00ed, je jeho v\u00fdhradn\u00edm vlastnictv\u00edm a nespad\u00e1 tak do SJM.<\/p>\n\n\n\n

Dal\u0161\u00ed \u010dast\u00fd bod v t\u011bchto smlouv\u00e1ch se t\u00fdk\u00e1 podm\u00ednek p\u00e9\u010de o d\u011bti, v\u010detn\u011b v\u00fd\u017eivn\u00e9ho, kdyby se budouc\u00ed man\u017eel\u00e9 rozhodli pro rozvod. A v neposledn\u00ed \u0159ad\u011b m\u016f\u017eete zahrnout v\u0161e o z\u00e1vazc\u00edch, nap\u0159\u00edklad to, \u017ee ve\u0161ker\u00e9 dluhy, kter\u00e9 na sebe p\u0159evezme jeden z man\u017eel\u016f nebo kter\u00e9 si ud\u011blal je\u0161t\u011b p\u0159ed svatbou, jsou pouze jeho v\u00fdlu\u010dn\u00fdmi dluhy.<\/p>\n\n\n\n

Takovou p\u0159edman\u017eelskou smlouvu mus\u00ed ov\u011b\u0159it not\u00e1\u0159 a mus\u00ed obsahovat tyto \u00fadaje:<\/p>\n\n\n\n

\u2022 m\u00edsto, den, m\u011bs\u00edc a rok \u00fakonu,<\/p>\n\n\n\n

\u2022 jm\u00e9no, p\u0159\u00edjmen\u00ed a s\u00eddlo not\u00e1\u0159e,<\/p>\n\n\n\n

\u2022 prohl\u00e1\u0161en\u00ed o zp\u016fsobilosti k pr\u00e1vn\u00edm \u00fakon\u016fm,<\/p>\n\n\n\n

\u2022 zp\u016fsob ov\u011b\u0159en\u00ed toto\u017enosti \u00fa\u010dastn\u00edk\u016f,<\/p>\n\n\n\n

\u2022 obsah \u00fakonu,<\/p>\n\n\n\n

\u2022 \u00fadaj o schv\u00e1len\u00ed z\u00e1pisu po p\u0159e\u010dten\u00ed jednotliv\u00fdmi \u00fa\u010dastn\u00edky,<\/p>\n\n\n\n

\u2022 podpisy \u00fa\u010dastn\u00edk\u016f,<\/p>\n\n\n\n

\u2022 otisk \u00fa\u0159edn\u00edho raz\u00edtka not\u00e1\u0159e a jeho podpis.<\/p>\n\n\n\n

Bohu\u017eel rozvod a s n\u00edm spojen\u00e9 boje o majetky jsou ka\u017edodenn\u00ed z\u00e1le\u017eitost\u00ed. \u0158e\u0161en\u00ed takov\u00fdch spor\u016f nen\u00ed jednoduch\u00e9 a u\u017e v\u016fbec ne p\u0159\u00edjemn\u00e9. P\u0159edman\u017eelsk\u00e1 smlouva sice m\u016f\u017ee p\u016fsobit pro zamilovan\u00fd p\u00e1r jako n\u011bjak\u00fd obchod, ale m\u00e1 sv\u00e9 opodstatn\u011bn\u00ed a p\u0159edejdete d\u00edky n\u00ed mnoha neshod\u00e1m a probl\u00e9m\u016fm.<\/p>\n\n\n\n

Pozor i na dluhy b\u011bhem man\u017eelstv\u00ed!<\/h2>\n\n\n\n

V dne\u0161n\u00ed dob\u011b je mnoho zp\u016fsob\u016f, jak velice snadno a rychle z\u00edskat pot\u0159ebn\u00e9 finance nav\u00edc, p\u0159i\u010dem\u017e druh\u00fd z man\u017eel\u016f se o tom nemus\u00ed dozv\u011bd\u011bt. Nab\u00edz\u00ed je nap\u0159\u00edklad i p\u016fj\u010dka online<\/u><\/a>.<\/p>\n\n\n\n

Ani banky nepot\u0159ebuj\u00ed p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku souhlas druh\u00e9ho z man\u017eel\u016f. Ze z\u00e1kona vypl\u00fdv\u00e1 podm\u00ednka prov\u011b\u0159ovat \u00fav\u011bruschopnost \u017eadatele. V r\u00e1mci t\u00e9to kontroly banky vyu\u017e\u00edvaj\u00ed nap\u0159\u00edklad v\u00fdpis z registru dlu\u017en\u00edk\u016f, kde m\u016f\u017eou snadno zjistit, jestli m\u00e1 \u017eadatel n\u011bjak\u00e9 exekuce, zda je v insolvenci nebo veden\u00fd jako nespolehliv\u00fd pl\u00e1tce.<\/p>\n\n\n\n

U hypot\u00e9k si banky obvykle zji\u0161\u0165uj\u00ed rodinn\u00fd stav a po\u017eaduj\u00ed p\u00edsemn\u00fd souhlas druh\u00e9ho z man\u017eel\u016f, u jin\u00fdch p\u016fj\u010dek a \u00fav\u011br\u016f tak jednaj\u00ed a\u017e od ur\u010dit\u00e9 v\u00fd\u0161e. Proto v man\u017eelstv\u00ed pracujte na otev\u0159en\u00e9 komunikaci, co se financ\u00ed t\u00fd\u010de. Proto\u017ee nen\u00ed vhodn\u00e9 spol\u00e9hat jen na to, \u017ee se ur\u010dit\u011b dozv\u00edte, pokud se partner podepsal pod nov\u00fd z\u00e1vazek.<\/p>\n\n\n\n

V p\u0159\u00edpad\u011b, \u017ee se dozv\u00edte, \u017ee si na sebe v\u00e1\u0161 partner vzal p\u016fj\u010dku, se kterou nesouhlas\u00edte, mus\u00edte urychlen\u011b jednat a co nejd\u0159\u00edve d\u00e1t v\u011b\u0159iteli v\u011bd\u011bt, \u017ee s dan\u00fdm dluhem nesouhlas\u00edte. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017ee exekutor v\u00e9st exekuci na v\u0161e, co n\u00e1le\u017e\u00ed do spole\u010dn\u00e9ho jm\u011bn\u00ed man\u017eel\u016f.<\/p>\n\n\n\n

Nejen banky, ale i vy m\u016f\u017eete v p\u0159\u00edpad\u011b jak\u00fdkoliv pochybnost\u00ed o finan\u010dn\u00edch probl\u00e9mech druh\u00e9ho z partner\u016f vyu\u017e\u00edt registr dlu\u017en\u00edk\u016f. Ka\u017edop\u00e1dn\u011b to nemus\u00ed doj\u00edt a\u017e do takov\u00e9 f\u00e1ze, budujte svou d\u016fv\u011bru jeden v druh\u00e9ho, abyste byli schopn\u00ed mezi sebou otev\u0159en\u011b mluvit na jak\u00e9koliv t\u00e9ma, v\u010detn\u011b dluh\u016f, a vyvarovat se tak necht\u011bn\u00e9mu p\u0159ekvapen\u00ed, jako ji\u017e zmi\u0148ovan\u00e1 n\u00e1v\u0161t\u011bva exekutora.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Efektivn\u00ed spr\u00e1va spole\u010dn\u00fdch financ\u00ed<\/h2>\n\n\n\n

Spousta man\u017eel\u016f vol\u00ed cestu spole\u010dn\u00fdch financ\u00ed. Ale jak si udr\u017eet harmonii ve vztahu a jak p\u0159edej\u00edt zbyte\u010dn\u00fdm konflikt\u016fm t\u00fdkaj\u00edc\u00edch se financ\u00ed? Zkuste se inspirovat n\u00e1sleduj\u00edc\u00edmi t\u0159emi nejd\u016fle\u017eit\u011bj\u0161\u00edmi kroky, kter\u00e9 v\u00e1m pom\u016f\u017eou udr\u017eet si klidnou a spokojenou dom\u00e1cnost.<\/p>\n\n\n\n

    \n
  1. Vytvo\u0159te si efektivn\u00ed pl\u00e1n pro spr\u00e1vu spole\u010dn\u00fdch financ\u00ed. Zpracujte si spole\u010dn\u00fd rozpo\u010det, kde zahrnete p\u0159\u00edjmy a v\u00fddaje obou partner\u016f. Dohodn\u011bte se na spole\u010dn\u00fdch finan\u010dn\u00edch c\u00edlech, jako jsou \u00faspory, investice a spl\u00e1cen\u00ed dluh\u016f.Rozd\u011blte si \u00fakoly, kdo bude m\u00edt na starosti placen\u00ed \u00fa\u010dt\u016f, sledov\u00e1n\u00ed v\u00fddaj\u016f a aktualizaci rozpo\u010dtu. Mo\u017en\u00e1 se to zd\u00e1 jako mali\u010dkost, ale jasn\u011b definovan\u00e9 role p\u0159isp\u011bj\u00ed k \u00fa\u010dinn\u00e9 spr\u00e1v\u011b pen\u011bz.<\/li>\n\n\n\n
  2. Pl\u00e1nov\u00e1n\u00ed rozpo\u010dtu v man\u017eelstv\u00ed je jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch krok\u016f, jak p\u0159edej\u00edt ne\u017e\u00e1douc\u00edm h\u00e1dk\u00e1m. Stanovte si priority ve v\u00fddaj\u00edch, abyste v\u017edy m\u011bli na \u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed z\u00e1vazk\u016f, pokryt\u00ed sv\u00fdch pot\u0159eb a v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b, aby v\u00e1m n\u011bco zbylo na budov\u00e1n\u00ed nouzov\u00e9ho fondu.Pravideln\u011b sv\u00e9 v\u00fddaje hodno\u0165te, najd\u011bte oblasti, kde lze u\u0161et\u0159it, a spole\u010dn\u011b se rozhodn\u011bte, jak tyto nov\u011b vznikl\u00e9 \u00faspory vyu\u017eijete.Pokud nastane situace, \u017ee nebudete schopn\u00ed vyj\u00edt s pen\u011bzi, zam\u011b\u0159te se na nejd\u016fle\u017eit\u011bj\u0161\u00ed v\u00fddaje, jako jsou pr\u00e1v\u011b platby dluh\u016f, abyste p\u0159ede\u0161li zbyte\u010dn\u00fdm n\u00e1klad\u016fm nav\u00edc. Prozkoumejte v\u0161echny sv\u00e9 mo\u017enosti, pomoc rodiny, p\u0159\u00e1tel nebo zva\u017ete nebankovn\u00ed p\u016fj\u010dku, o kter\u00e9 se m\u016f\u017eete dozv\u011bd\u011bt v\u00edce na n\u00e1sleduj\u00edc\u00edm odkaze https:\/\/razdvapujcka.cz\/nebankovni-pujcka<\/a>.<\/li>\n\n\n\n
  3. Pravideln\u011b diskutujte o stavu financ\u00ed. Mluvte i o dlouhodob\u00fdch finan\u010dn\u00edch c\u00edlech, jako je pl\u00e1nov\u00e1n\u00ed d\u016fchodu nebo investice do vzd\u011bl\u00e1n\u00ed d\u011bt\u00ed. Pokuste se v\u017edy naj\u00edt spole\u010dn\u00e9 \u0159e\u0161en\u00ed, nic p\u0159ed sebou nezatajujte. P\u0159edejdete tak pocitu ned\u016fv\u011bry a nesouhlasu.Spole\u010dn\u00e9 \u00fasil\u00ed o vz\u00e1jemn\u00e9 finan\u010dn\u00ed vzd\u011bl\u00e1v\u00e1n\u00ed m\u016f\u017ee sn\u00ed\u017eit v\u00fdskyt nedorozum\u011bn\u00ed spojen\u00fdch s pen\u011bzi.<\/li>\n<\/ol>\n\n\n\n

    Takov\u00e1 spole\u010dn\u00e1 spr\u00e1va financ\u00ed m\u016f\u017ee pos\u00edlit d\u016fv\u011bru a pocit soun\u00e1le\u017eitosti v partnersk\u00e9m vztahu. Dal\u0161\u00edm pozitivn\u00edm dopadem je sn\u00ed\u017een\u00ed p\u0159\u00edpadn\u00e9ho psychick\u00e9ho stresu, kter\u00fd m\u016f\u017ee b\u00fdt spojen\u00fd pr\u00e1v\u011b s financemi, co\u017e p\u0159\u00edjemn\u011b ovlivn\u00ed celkov\u00e9 fungov\u00e1n\u00ed man\u017eelstv\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Man\u017eelstv\u00ed je bezpochyby vzru\u0161uj\u00edc\u00ed a d\u016fle\u017eit\u00fd krok, kter\u00fd m\u016f\u017ee p\u0159in\u00e1\u0161et radost i v\u00fdzvy. Svatebn\u00ed slib se pro mnoh\u00e9 poj\u00ed s l\u00e1skou, ale co kdy\u017e se do man\u017eelstv\u00ed vkr\u00e1daj\u00ed i finan\u010dn\u00ed st\u00edny minulosti? Jak mohou dluhy jednoho z partner\u016f nad\u011blan\u00e9 p\u0159ed svatbou ovlivnit man\u017eelstv\u00ed a jak\u00fd dopad maj\u00ed na spole\u010dnou finan\u010dn\u00ed stabilitu? Co s dluhy, kter\u00e9 […]<\/p>\n","protected":false},"author":1,"featured_media":970,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-968","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-tipy"],"_links":{"self":[{"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/posts\/968","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=968"}],"version-history":[{"count":1,"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/posts\/968\/revisions"}],"predecessor-version":[{"id":971,"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/posts\/968\/revisions\/971"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=\/wp\/v2\/media\/970"}],"wp:attachment":[{"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=968"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=968"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hospodarskyzpravodaj.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=968"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}