{"id":1063,"date":"2023-07-15T11:35:06","date_gmt":"2023-07-15T09:35:06","guid":{"rendered":"https:\/\/regbu.com\/?p=1063"},"modified":"2025-09-05T07:41:17","modified_gmt":"2025-09-05T05:41:17","slug":"osobni-bankrot-jako-cesta-z-dluhu","status":"publish","type":"post","link":"https:\/\/regbu.com\/et\/personal-banking-as-a-way-out-of-debt\/","title":{"rendered":"Isiklik pankrot kui v\u00f5imalus v\u00f5lgadest vabanemiseks"},"content":{"rendered":"<p>Isiklik pankrot on \u00fcks seaduslik viis v\u00f5lgadest vabanemiseks. Kui te liialdate m\u00f5ne <strong><a href=\"https:\/\/regbu.com\/et\/laenud-tuubid-oppida-mitte-kuulda-tema\/\">laenude liigid<\/a><\/strong> ja teil tekib rohkem v\u00f5lgu, kui te suudate tagasi maksta, siis tulebki appi v\u00f5lakergendus. M\u00f5nikord v\u00f5ite n\u00e4ha ka m\u00f5istet isikliku pankroti.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maksej\u00f5uetusmenetlus<\/li>\n\n\n\n<li>Kohustuste osaline tagasimaksmine<\/li>\n\n\n\n<li>L\u00f5petage edasine v\u00f5lgnevus<\/li>\n<\/ul>\n\n\n\n<p>Seda liiki pankrotti saab v\u00e4lja kuulutada ainult v\u00f5lgnik, kes <em>ei suuda oma kohustusi v\u00f5lausaldajate ees tasuda<\/em>. Loomulikult, kui soovite seda v\u00f5imalust kasutada, ei tohi teil olla m\u00e4rkimisv\u00e4\u00e4rset vara. Seda saab nimelt kohustuste tasumiseks maha m\u00fc\u00fca. Seet\u00f5ttu ei saa isiklikku pankrotti kasutada.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Isiklik pankrot ja selle tingimused<\/h2>\n\n\n\n<p>K\u00f5ige aluseks on seega v\u00f5lgniku rahaline maksej\u00f5uetus. Lisaks sellele on veel mitmeid muid tingimusi. Need peavad olema t\u00e4idetud, vastasel juhul ei ole mis tahes <strong>v\u00f5lakergendusetaotlus<\/strong> ...ta hakkab seda eitama. Kui soovite teada, millised on n\u00f5uded, lugege allolevat tabelit.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Teema<\/strong><\/td><td><strong>Teave<\/strong><\/td><\/tr><tr><td>V\u00f5lausaldajate arv<\/td><td>Suurem kogus<\/td><\/tr><tr><td>V\u00f5lad<\/td><td>V\u00e4hemalt 30 p\u00e4eva makset\u00e4htaega \u00fcletanud<\/td><\/tr><tr><td>V\u00f5lgade leevendamine<\/td><td>30 % kohustuse tasumine 5 aasta jooksul<\/td><\/tr><tr><td>Alternatiiv v\u00f5lakoorma v\u00e4hendamisele<\/td><td>60 % lunastamine 3 aasta jooksul<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Isikliku pankrotiga seotud p\u00f5hiteave.<\/figcaption><\/figure>\n\n\n\n<p>Kuna seadusandlikud kohustused muutuvad aeg-ajalt, v\u00f5ivad need arvud m\u00f5nev\u00f5rra muutuda. Selge on aga see, et isikliku pankroti abil saate oma asjad korda teha, makstes ainult osa oma v\u00f5lgadest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">T\u00e4iendav lisateave<\/h3>\n\n\n\n<p>Tuleb m\u00e4rkida, et seda t\u00fc\u00fcpi v\u00f5lgade arveldamine on m\u00f5eldud eelk\u00f5ige f\u00fc\u00fcsilistele isikutele, olgu nad siis tavalised isikud, tarbijad v\u00f5i ettev\u00f5tjad. Erandit ei ole <strong>abieluv\u00f5lgade kustutamine<\/strong>mida tavaliselt tehakse. Pankroti v\u00e4ljakuulutamiseks peab k\u00f5igele eelnema pankrotiavalduse esitamine. See on usaldatud selle menetlemise eest vastutavatele isikutele, kuna see peab sisaldama asjakohaseid elemente.<\/p>\n\n\n\n<p>Isikliku pankroti v\u00f5ib muidugi tagasi l\u00fckata. Seda tingimusel, et k\u00f5ik seadusest tulenevad tingimused ei ole t\u00e4idetud. V\u00f5i on t\u00f5estatud ebaausat kavatsust. Isikliku pankroti korral valmistub v\u00f5lgnik hoidma ainult elatusmiinimumi ja \u00fclej\u00e4\u00e4nud osa l\u00e4heb v\u00f5lgade tagasimaksmiseks. Osa v\u00f5lgadest tasutakse ka varade m\u00fc\u00fcgiga.<\/p>","protected":false},"excerpt":{"rendered":"<p>Isiklik pankrot on \u00fcks seaduslik viis v\u00f5lgadest vabanemiseks. Kui olete teatud t\u00fc\u00fcpi laenudega \u00fcle pingutatud ja teil on l\u00f5puks rohkem v\u00f5lgu, kui te suudate tagasi maksta, siis tulebki siinkohal appi v\u00f5lakergendus. M\u00f5nikord v\u00f5ite n\u00e4ha ka m\u00f5istet isikliku pankroti. Seda liiki pankrotti saab v\u00e4lja kuulutada ainult v\u00f5lgnik, kes ei suuda oma v\u00f5lausaldajatele maksta. ... <\/p>","protected":false},"author":2,"featured_media":1064,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[1138,665,1143,326,1140,1141,1139,1137,331,1142],"class_list":["post-1063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-bankrot","tag-dluhy","tag-dluznik","tag-finance","tag-insolvence","tag-insolvencni-rizeni","tag-oddluzeni","tag-osobni-bankrot","tag-penize","tag-veritele"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Osobn\u00ed bankrot jako cesta z\u00a0dluh\u016f - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Osobn\u00ed bankrot je jednou z mo\u017enost\u00ed, jak se oddlu\u017eit. 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