{"id":527,"date":"2011-02-03T12:13:52","date_gmt":"2011-02-03T12:13:52","guid":{"rendered":"http:\/\/gold-silver.biz\/sk\/?p=527"},"modified":"2011-02-04T12:18:00","modified_gmt":"2011-02-04T12:18:00","slug":"dlznikov-pribuda-aj-tych-zodpovednych","status":"publish","type":"post","link":"https:\/\/investicnyblog.sk\/gsi\/sk\/dlznikov-pribuda-aj-tych-zodpovednych\/","title":{"rendered":"Dl\u017en\u00edkov prib\u00fada. Aj t\u00fdch zodpovedn\u00fdch"},"content":{"rendered":"

Zadl\u017een\u00fdch Slov\u00e1kov, ktor\u00ed neboli schopn\u00ed spl\u00e1ca\u0165 svoje p\u00f4\u017ei\u010dky, vlani pribudlo. \u010co je v\u0161ak pozit\u00edvne, v minulom roku bolo viac aj t\u00fdch, ktor\u00ed sa rozhodli, \u017ee „za\u0165at\u00fa sekeru\u201c vyplatia.<\/strong><\/p>\n

Ukazuj\u00fa to \u00fadaje registra dl\u017en\u00edkov Solus. Odborn\u00edci upozor\u0148uj\u00fa, \u017ee ak sa raz do registra neplati\u010dov dostanete, v bud\u00facnosti m\u00f4\u017eete ma\u0165 probl\u00e9m z\u00edska\u0165 nov\u00fd \u00faver. Ak chcete, aby v\u00e1s z „\u010diernej listiny\u201c vymazali, treba star\u00e9 dlhy vyplati\u0165 alebo za\u010da\u0165 riadne spl\u00e1ca\u0165.<\/p>\n

Zodpovedn\u00fdch je viac<\/strong><\/p>\n

„V priebehu roka 2010 po\u010det sporite\u013eov zaraden\u00fdch do registra Solus st\u00fapal,\u201c povedala HN tajomn\u00ed\u010dka negat\u00edvneho registra klientov Zuzana Kraj\u010dovi\u010dov\u00e1. Dodala, \u017ee v polovici janu\u00e1ra tohto roka poh\u013ead\u00e1vky po splatnosti vo\u010di dl\u017en\u00edkom v datab\u00e1ze prekro\u010dili hranicu sto mili\u00f3nov eur. N\u00e1rast dl\u017en\u00edkov v ome\u0161kan\u00ed v\u0161ak nie je pod\u013ea nej dramatick\u00fd. „Pre kr\u00edzu toti\u017e mnoh\u00e9 spolo\u010dnosti spr\u00edsnili svoje krit\u00e9ri\u00e1,\u201c pribl\u00ed\u017eila. Firmy sa tak pod\u013ea nej vyhli tomu, \u017ee by poskytli \u00faver niekomu, o kom by si neboli ist\u00e9, \u010di ho bude schopn\u00fd splati\u0165.<\/p>\n

Zlep\u0161enie situ\u00e1cie v oblasti nespl\u00e1can\u00fdch \u00faverov c\u00edtia aj v spolo\u010dnosti Home Credit. „\u013dudia s\u00fa zodpovednej\u0161\u00ed. Ke\u010f na spl\u00e1canie \u00faveru nemaj\u00fa, neber\u00fa si ho,\u201c zhodnotil analytik firmy Michal Kozub. Dodal, \u017ee najviac \u00faverov 90 dn\u00ed po splatnosti je medzi hotovostn\u00fdmi p\u00f4\u017ei\u010dkami. „Naopak, najlep\u0161ie \u013eudia spl\u00e1caj\u00fa kreditn\u00e9 karty a n\u00e1kupy na spl\u00e1tky,\u201c pribl\u00ed\u017eil.<\/p>\n

\u010cierna listina<\/strong><\/p>\n

Datab\u00e1za sl\u00fa\u017ei firm\u00e1m, ktor\u00e9 si chc\u00fa overi\u0165 klienta \u017eiadaj\u00faceho napr\u00edklad o p\u00f4\u017ei\u010dku. „V\u010faka registru je mo\u017en\u00e9 preveri\u0165 si hist\u00f3riu klienta v priebehu sekundy,\u201c potvrdil gener\u00e1lny riadite\u013e l\u00edzingovky Credium Slovakia Martin Vet\u00fd\u0161ka. Ak ste toti\u017e v negat\u00edvnom registri, z\u00edskanie \u010fal\u0161\u00edch \u00faverov sa pre v\u00e1s m\u00f4\u017ee skomplikova\u0165. „Existuje ve\u013ek\u00fd predpoklad, \u017ee ak je klient v datab\u00e1ze Solus, \u010fal\u0161\u00ed \u00faver nedostane,\u201c potvrdil Kozub. Pod\u013ea Andrey Trebu\u013eovej zo spolo\u010dnosti Cetelem Slovensko je tak v z\u00e1ujme dl\u017en\u00edka, aby svoje z\u00e1v\u00e4zky uhradil.<\/p>\n

Negat\u00edvna datab\u00e1za preto m\u00f4\u017ee na \u013eud\u00ed p\u00f4sobi\u0165 prevent\u00edvne. „Je to motivuj\u00face pre v\u0161etk\u00fdch, ktor\u00ed vedia, \u017ee si raz bud\u00fa chcie\u0165 bra\u0165 \u00faver, aby sa do \u017eiadneho podobn\u00e9ho registra nedostali,\u201c doplnil Vet\u00fd\u0161ka. Okrem negat\u00edvneho registra existuje aj tzv. pozit\u00edvny. V \u0148om s\u00fa ulo\u017een\u00e9 \u00fadaje o t\u00fdch klientoch, ktor\u00ed maj\u00fa \u00faver a spl\u00e1caj\u00fa ho.<\/p>\n

Dlh si overte<\/strong><\/p>\n

Ak chcete vedie\u0165, \u010di sa v registri neplati\u010dov nach\u00e1dzate, sta\u010d\u00ed o to po\u017eiada\u0165. M\u00f4\u017eete tie\u017e z\u00edska\u0165 inform\u00e1ciu o tom, kto o nesplatenom dlhu poslal do registra inform\u00e1ciu. „Sta\u010d\u00ed vyplni\u0165 \u017eiados\u0165 a do 30 dn\u00ed v\u00e1m odpovieme,\u201c kon\u0161tatuje Kraj\u010dovi\u010dov\u00e1. Poplatok za poskytnutie takejto inform\u00e1cie je 2,10 eura.<\/p>\n

Autor: Barbora Bogn\u00e1rov\u00e1 \u00a0 \u00a0 Zdroj: hnonline.sk<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Zadl\u017een\u00fdch Slov\u00e1kov, ktor\u00ed neboli schopn\u00ed spl\u00e1ca\u0165 svoje p\u00f4\u017ei\u010dky, vlani pribudlo. \u010co je v\u0161ak pozit\u00edvne, v minulom roku bolo viac aj t\u00fdch, ktor\u00ed sa rozhodli, \u017ee „za\u0165at\u00fa sekeru\u201c vyplatia. Ukazuj\u00fa to … <\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/posts\/527"}],"collection":[{"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/comments?post=527"}],"version-history":[{"count":3,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/posts\/527\/revisions"}],"predecessor-version":[{"id":530,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/posts\/527\/revisions\/530"}],"wp:attachment":[{"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/media?parent=527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/categories?post=527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/investicnyblog.sk\/gsi\/sk\/wp-json\/wp\/v2\/tags?post=527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}