{"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\/sl\/osebno-bancnistvo-kot-izhod-iz-dolga\/","title":{"rendered":"Osebni ste\u010daj kot izhod iz dolgov"},"content":{"rendered":"<p>Osebni ste\u010daj je eden od zakonitih na\u010dinov za re\u0161evanje dolgov. \u010ce pretiravate z nekaterimi <strong><a href=\"https:\/\/regbu.com\/sl\/vrste-posojil-izvedite-za-nje\/\">vrste posojil<\/a><\/strong> in se zadol\u017eite bolj, kot lahko odpla\u010date, pride na vrsto odpis dolga. V\u010dasih se lahko sre\u010date tudi z izrazom osebni ste\u010daj.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Postopki v primeru insolventnosti<\/li>\n\n\n\n<li>Odpla\u010dilo dela obveznosti<\/li>\n\n\n\n<li>Prekinitev nadaljnjega zadol\u017eevanja<\/li>\n<\/ul>\n\n\n\n<p>To vrsto ste\u010daja lahko razglasi le dol\u017enik, ki <em>ne more pla\u010dati svojih obveznosti do upnikov.<\/em>. \u010ce \u017eelite izkoristiti to mo\u017enost, seveda ne smete imeti ve\u010djega premo\u017eenja. To se namre\u010d lahko proda za popla\u010dilo obveznosti. Osebnega ste\u010daja torej ni mogo\u010de uporabiti v kakr\u0161no koli korist.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Osebni ste\u010daj in njegovi pogoji<\/h2>\n\n\n\n<p>Osnova vsega je torej finan\u010dna insolventnost dol\u017enika. Poleg tega obstajajo \u0161tevilni drugi pogoji. Ti morajo biti izpolnjeni, sicer se lahko <strong>vloga za odpis dolga<\/strong> ...bo to zanikal. \u010ce \u017eelite vedeti, kak\u0161ne so zahteve, preberite spodnjo preglednico.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Zadeva<\/strong><\/td><td><strong>Informacije<\/strong><\/td><\/tr><tr><td>\u0160tevilo upnikov<\/td><td>Ve\u010dja koli\u010dina<\/td><\/tr><tr><td>Dolgovi<\/td><td>Vsaj 30 dni zamude<\/td><\/tr><tr><td>Odpravljanje dolgov<\/td><td>Pla\u010dilo 30 obveznosti % v petih letih<\/td><\/tr><tr><td>Alternativa za odpis dolga<\/td><td>Odkup 60 % v treh letih<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Osnovne informacije o osebnem ste\u010daju.<\/figcaption><\/figure>\n\n\n\n<p>Ker se zakonodajne obveznosti ob\u010dasno spreminjajo, se lahko te \u0161tevilke nekoliko razlikujejo. Jasno pa je, da lahko s pomo\u010djo osebnega ste\u010daja uredite svoje stanje tako, da pla\u010date le del svojih dolgov.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nadaljnje dodatne informacije<\/h3>\n\n\n\n<p>Opozoriti je treba, da je ta vrsta poravnave dolga namenjena predvsem fizi\u010dnim osebam, ne glede na to, ali so navadne osebe, potro\u0161niki ali podjetniki. Nobene izjeme ni <strong>odpis zakonskih dolgov<\/strong>ki se obi\u010dajno izvaja. Za razglasitev ste\u010daja je treba pred tem vlo\u017eiti predlog za izdajo sklepa o ste\u010daju. Ta je zaupan osebam, ki so odgovorne za njegovo obdelavo, saj mora vsebovati ustrezne elemente.<\/p>\n\n\n\n<p>Osebni ste\u010daj je seveda mogo\u010de zavrniti. To velja, \u010de niso izpolnjeni vsi zakonsko dolo\u010deni pogoji. Ali pa se doka\u017ee nepo\u0161ten namen. Pri osebnem ste\u010daju se dol\u017enik pripravi do tega, da obdr\u017ei le minimalni \u017eivljenjski minimum, preostanek pa gre za popla\u010dilo dolgov. Del dolgov bo poravnan tudi s prodajo premo\u017eenja.<\/p>","protected":false},"excerpt":{"rendered":"<p>Osebni ste\u010daj je eden od zakonitih na\u010dinov za re\u0161evanje dolgov. \u010ce se z dolo\u010denimi vrstami posojil preve\u010d zadol\u017eite in imate na koncu ve\u010d dolga, kot ga lahko odpla\u010date, pride na vrsto odpis dolga. V\u010dasih se lahko sre\u010date tudi z izrazom osebni ste\u010daj. To vrsto ste\u010daja lahko razglasi le dol\u017enik, ki ne more pla\u010dati svojih upnikov. ... <\/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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