[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.trekview.cz\/co-vsechno-obnasi-byt-rucitelem\/#Article","mainEntityOfPage":"https:\/\/www.trekview.cz\/co-vsechno-obnasi-byt-rucitelem\/","headline":"Co v\u0161echno obn\u00e1\u0161\u00ed b\u00fdt ru\u010ditelem?","name":"Co v\u0161echno obn\u00e1\u0161\u00ed b\u00fdt ru\u010ditelem?","description":"V dne\u0161n\u00ed dob\u011b je dnes t\u00e9m\u011b\u0159 norm\u00e1ln\u00ed situace, kdy za n\u00e1mi p\u0159ijde n\u011bkdo bl\u00edzk\u00fd, kamar\u00e1d nebo zn\u00e1m\u00fd a po\u017e\u00e1d\u00e1 o to, abychom se stali jeho ru\u010ditelem na bankovn\u00ed \u00fav\u011br nebo […]","datePublished":"2020-05-17","dateModified":"2023-05-22","author":{"@type":"Person","@id":"https:\/\/www.trekview.cz\/author\/#Person","name":"","url":"https:\/\/www.trekview.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1e120f96477763896a9e7ab3663c076bf8b67ca32fa1a5943b70761da502a7a7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"trekview.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.trekview.cz\/wp-content\/uploads\/D%C5%AFm%20na%20hypot%C3%A9ku.jpg","url":"https:\/\/www.trekview.cz\/wp-content\/uploads\/D%C5%AFm%20na%20hypot%C3%A9ku.jpg","height":0,"width":0},"url":"https:\/\/www.trekview.cz\/co-vsechno-obnasi-byt-rucitelem\/","about":["Ekonomika"],"wordCount":674,"articleBody":"      V dne\u0161n\u00ed dob\u011b je dnes t\u00e9m\u011b\u0159 norm\u00e1ln\u00ed situace, kdy za n\u00e1mi p\u0159ijde n\u011bkdo bl\u00edzk\u00fd, kamar\u00e1d nebo zn\u00e1m\u00fd a po\u017e\u00e1d\u00e1 o to, abychom se stali jeho ru\u010ditelem na bankovn\u00ed \u00fav\u011br nebo t\u0159eba hypot\u00e9ku. Jeliko\u017e nechceme d\u011blat \u0161patnou krev a \u0159ekneme si, \u017ee o nic vlastn\u011b nejde, \u010dasto s touto nab\u00eddkou souhlas\u00edme bez toho, abychom se nad n\u00ed po\u0159\u00e1dn\u011b zamysleli a tuto nab\u00eddku zv\u00e1\u017eili. Ve h\u0159e je ale \u010dasto a\u017e p\u0159\u00edli\u0161 mnoho.Za\u010dn\u011bme p\u011bkn\u011b od za\u010d\u00e1tku. Z\u00e1kon ru\u010ditele – Fahd.cz – definuje jako osobu, kter\u00e1 uspokoj\u00ed v\u011b\u0159itele v p\u0159\u00edpad\u011b, \u017ee dlu\u017en\u00edk nespln\u00ed sv\u016fj dluh, tedy nej\u010dast\u011bji nezaplat\u00ed pen\u00edze, je\u017e si p\u016fj\u010dil. O celkov\u00e9 problematice se podrobn\u011b do\u010dteme p\u0159\u00edmo v nov\u00e9m ob\u010dansk\u00e9m z\u00e1kon\u00edku. Probl\u00e9mem ov\u0161em je, \u017ee v paragrafech se spousta z n\u00e1s nevyzn\u00e1 a ve fin\u00e1le jsme mnohem v\u00edce zmaten\u00ed ne\u017e na za\u010d\u00e1tku. Proberme si to tedy trochu jednodu\u0161eji. Abyste se mohli st\u00e1t ru\u010ditelem, mus\u00edte m\u00edt v\u017edy p\u00edsemn\u00e9 potvrzen\u00ed v podob\u011b smlouvy neboli ru\u010ditelsk\u00e9ho potvrzen\u00ed. Z\u00e1konem je p\u0159\u00edmo stanoven\u00e1 nutnost p\u00edsemn\u00e9 formy. Zaj\u00edmavost\u00ed je, \u017ee m\u016f\u017ee vzniknout ru\u010den\u00ed i u dluhu budouc\u00edch.V\u00fd\u0161e ru\u010den\u00ed je uveden\u00e1 ve smlouv\u011b. Ru\u010den\u00ed m\u016f\u017ee b\u00fdt jak v omezen\u00e9 m\u00ed\u0159e, jen do ur\u010dit\u00e9 \u010d\u00e1stky, ale tak\u00e9, co\u017e je nej\u010dast\u011bj\u0161\u00ed, v pln\u00e9 v\u00fd\u0161i dluhu. V tomto p\u0159\u00edpad\u011b ru\u010ditel ru\u010d\u00ed cel\u00fdm sv\u00fdm majetkem. Z tohoto d\u016fvodu si velice dob\u0159e rozmyslete, komu ru\u010dit chcete. Rozhodn\u011b na tuto nab\u00eddku p\u0159istupte jen u osob, u nich\u017e jste si naprosto jist\u00ed t\u00edm, \u017ee budou sv\u00e9 dluhy \u0159\u00e1dn\u011b a v\u010das spl\u00e1cet. Probl\u00e9mem je, \u017ee v \u017eivot\u011b velice \u010dasto nastanou situace, kter\u00e9 ani s\u00e1m dlu\u017en\u00edk neovlivn\u00ed. V tomto p\u0159\u00edpad\u011b velice dob\u0159e plat\u00ed pravidlo: \u010clov\u011bk m\u00edn\u00ed a \u017eivot m\u011bn\u00ed. Sta\u010d\u00ed t\u0159eba jen to, kdy\u017e dlu\u017en\u00edk ztrat\u00ed pr\u00e1ci a t\u00edm i st\u00e1l\u00fd p\u0159\u00edjem, \u010d\u00edm\u017e p\u0159ijde o mo\u017enost d\u00e1le spl\u00e1cet, nebo si p\u0159ivod\u00ed zran\u011bn\u00ed, kter\u00e9 bude m\u00edt tak\u00e9 v\u00fdrazn\u00fd dopad na jeho p\u0159\u00edjmy.D\u016fle\u017eit\u00e9 je zm\u00ednit, \u017ee v cel\u00e9 v\u011bci za\u010d\u00edn\u00e1 ru\u010ditel figurovat a\u017e ve chv\u00edli, kdy dlu\u017en\u00edk sv\u016fj dluh nespln\u00ed ve stanoven\u00e9 dob\u011b. Ru\u010ditel je pak v\u011b\u0159itelem vyzv\u00e1n, aby dluh uhradil. A v tuto chv\u00edli nast\u00e1v\u00e1 velk\u00fd probl\u00e9m. Je zde ale cel\u00e1 \u0159ada mo\u017enost\u00ed. Tou prvn\u00ed jsou n\u00e1mitky, kter\u00e9 m\u016f\u017ee ru\u010ditel proti v\u011b\u0159iteli uplatnit. Jedn\u00e1 se t\u0159eba o proml\u010den\u00ed nebo n\u00e1mitku zapo\u010dten\u00ed. Rovn\u011b\u017e se zde nab\u00edz\u00ed mo\u017enost p\u0159emluvit dlu\u017en\u00edka, aby p\u00edsemnou formou uznal sv\u016fj dluh, \u010d\u00edm\u017e ru\u010ditel vypad\u00e1v\u00e1 ze hry a probl\u00e9m se jej d\u00e1le net\u00fdk\u00e1. Dal\u0161\u00ed a z\u0159ejm\u011b nem\u00e9n\u011b \u0161\u0165astnou mo\u017enost\u00ed je uhrazen\u00ed dluhu. V tomto p\u0159\u00edpad\u011b se pot\u00e9 ru\u010ditel st\u00e1v\u00e1 v\u011b\u0159itelem dlu\u017en\u00edka a tuto \u010d\u00e1stku po n\u011bm vym\u00e1h\u00e1. Je-li ale dlu\u017en\u00edk ji\u017e zadlu\u017een\u00fd na v\u00edce m\u00edstech, sv\u00e9 z\u00e1vazky ji\u017e nen\u00ed schopen spl\u00e1cet a je takzvan\u011b v insolvenci, je mo\u017en\u00e9, \u017ee sv\u00e9 pen\u00edze ji\u017e v pln\u00e9 v\u00fd\u0161i neuvid\u00edte. V insolvenci je toti\u017e dlu\u017en\u00edk nucen zaplatit za dobu 5 let alespo\u0148 30 % sv\u00fdch dluh\u016f u v\u011b\u0159itel\u016f, nikoli tedy celkovou v\u00fd\u0161i.Toto bylo jen kr\u00e1tk\u00e9 shrnut\u00ed toho, jak\u00e9 n\u00e1sledky m\u016f\u017ee m\u00edt \u201epouh\u00e9 ru\u010den\u00ed\u201d. Hlavn\u00edm pravidlem, d\u00edky kter\u00e9mu jist\u011b neud\u011bl\u00e1te chybu, je, p\u0159\u00edslov\u00ed: \u201eDvakr\u00e1t m\u011b\u0159, jednou \u0159e\u017e\u201d nebo \u201eD\u016fv\u011b\u0159uj, ale prov\u011b\u0159uj\u201d.                                                                                                                                                                                                                                                                                                                                                                                          4.8\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co v\u0161echno obn\u00e1\u0161\u00ed b\u00fdt ru\u010ditelem?","item":"https:\/\/www.trekview.cz\/co-vsechno-obnasi-byt-rucitelem\/#breadcrumbitem"}]}]