{"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\/fi\/personal-banking-as-a-way-out-of-debt\/","title":{"rendered":"Henkil\u00f6kohtainen konkurssi keinona p\u00e4\u00e4st\u00e4 veloista eroon"},"content":{"rendered":"<p>Henkil\u00f6kohtainen konkurssi on yksi laillisista tavoista p\u00e4\u00e4st\u00e4 veloista. Jos liioittelet joidenkin <strong><a href=\"https:\/\/regbu.com\/fi\/lainatyypit-tieda-neista\/\">lainatyypit<\/a><\/strong> ja sinulla on enemm\u00e4n velkaa kuin pystyt maksamaan takaisin, silloin velkahelpotukset tulevat kuvaan. Joskus saatat n\u00e4hd\u00e4 my\u00f6s termin henkil\u00f6kohtainen konkurssi.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maksukyvytt\u00f6myysmenettelyt<\/li>\n\n\n\n<li>Velkojen osittainen takaisinmaksu<\/li>\n\n\n\n<li>Lopeta lis\u00e4velkaantuminen<\/li>\n<\/ul>\n\n\n\n<p>T\u00e4m\u00e4ntyyppisen konkurssin voi hakea vain velallinen, joka <em>ei kykene maksamaan velkojilleen kuuluvia velvoitteita<\/em>. Jos haluat hy\u00f6dynt\u00e4\u00e4 t\u00e4t\u00e4 vaihtoehtoa, sinulla ei tietenk\u00e4\u00e4n saa olla merkitt\u00e4v\u00e4\u00e4 varallisuutta. T\u00e4m\u00e4 johtuu siit\u00e4, ett\u00e4 se voidaan myyd\u00e4 pois velkojen maksamiseksi. Henkil\u00f6kohtaista konkurssia ei siis voi k\u00e4ytt\u00e4\u00e4 hy\u00f6dyksi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Henkil\u00f6kohtainen konkurssi ja sen edellytykset<\/h2>\n\n\n\n<p>Kaiken perustana on siis velallisen maksukyvytt\u00f6myys. Lis\u00e4ksi on olemassa joukko muita edellytyksi\u00e4. N\u00e4iden on t\u00e4ytytt\u00e4v\u00e4, muuten kaikki <strong>velkahuojennushakemus<\/strong> ...h\u00e4n kielt\u00e4\u00e4 sen. Jos haluat tiet\u00e4\u00e4, mitk\u00e4 ovat vaatimukset, lue alla oleva taulukko.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Aihe<\/strong><\/td><td><strong>Tiedot<\/strong><\/td><\/tr><tr><td>Velkojien lukum\u00e4\u00e4r\u00e4<\/td><td>Suurempi m\u00e4\u00e4r\u00e4<\/td><\/tr><tr><td>Velat<\/td><td>V\u00e4hint\u00e4\u00e4n 30 p\u00e4iv\u00e4\u00e4 er\u00e4\u00e4ntynyt<\/td><\/tr><tr><td>Velkahuojennus<\/td><td>30 %-velan maksaminen 5 vuoden kuluessa<\/td><\/tr><tr><td>Vaihtoehto velkahuojennukselle<\/td><td>60 %:n lunastus 3 vuoden kuluessa<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Henkil\u00f6kohtaiseen konkurssiin liittyvi\u00e4 perustietoja.<\/figcaption><\/figure>\n\n\n\n<p>Koska lains\u00e4\u00e4d\u00e4nn\u00f6lliset velvoitteet muuttuvat aika ajoin, n\u00e4m\u00e4 luvut voivat vaihdella jonkin verran. Selv\u00e4\u00e4 kuitenkin on, ett\u00e4 henkil\u00f6kohtaisen konkurssin avulla voit siivota itsesi maksamalla vain osan veloistasi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lis\u00e4tietoja<\/h3>\n\n\n\n<p>On huomattava, ett\u00e4 t\u00e4m\u00e4ntyyppinen velkaj\u00e4rjestely on tarkoitettu ensisijaisesti luonnollisille henkil\u00f6ille, olivatpa he sitten tavallisia henkil\u00f6it\u00e4, kuluttajia tai yritt\u00e4ji\u00e4. Poikkeusta ei ole <strong>aviovelkojen anteeksianto<\/strong>joka suoritetaan yleisesti. Konkurssin julistamista edelt\u00e4\u00e4 konkurssimenettely\u00e4 koskevan hakemuksen j\u00e4tt\u00e4minen. Se on uskottu sen k\u00e4sittelyst\u00e4 vastaaville henkil\u00f6ille, sill\u00e4 sen on sis\u00e4llett\u00e4v\u00e4 asianmukaiset osat.<\/p>\n\n\n\n<p>Henkil\u00f6kohtainen konkurssi voidaan tietenkin hyl\u00e4t\u00e4. T\u00e4m\u00e4 edellytt\u00e4en, ett\u00e4 kaikki oikeudelliset edellytykset eiv\u00e4t t\u00e4yty. Tai ep\u00e4rehellinen tarkoitus on todistettu. Henkil\u00f6kohtaisessa konkurssissa velallinen valmistautuu pit\u00e4m\u00e4\u00e4n vain v\u00e4himm\u00e4istoimeentulon ja loput menee velkojen maksuun. Osa veloista maksetaan my\u00f6s myym\u00e4ll\u00e4 omaisuutta.<\/p>","protected":false},"excerpt":{"rendered":"<p>Henkil\u00f6kohtainen konkurssi on yksi laillisista tavoista p\u00e4\u00e4st\u00e4 veloista. Jos k\u00e4yt\u00e4t liikaa tietyntyyppisi\u00e4 lainoja ja sinulla on lopulta enemm\u00e4n velkaa kuin pystyt maksamaan takaisin, velkahelpotukset tulevat kyseeseen. Saatat joskus n\u00e4hd\u00e4 my\u00f6s termin henkil\u00f6kohtainen konkurssi. T\u00e4m\u00e4ntyyppisen konkurssin voi hakea vain velallinen, joka ei pysty maksamaan velkojilleen. ... <\/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 v27.3 - 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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