{"id":534,"date":"2003-08-27T16:24:00","date_gmt":"2003-08-27T15:24:00","guid":{"rendered":"http:\/\/www.unionbanka.cz\/?p=534"},"modified":"2003-08-27T16:24:00","modified_gmt":"2003-08-27T15:24:00","slug":"oznameni-dluznikum","status":"publish","type":"post","link":"https:\/\/www.unionbanka.cz\/?p=534","title":{"rendered":"Ozn\u00e1men\u00ed dlu\u017en\u00edk\u016fm"},"content":{"rendered":"<p>V\u00e1\u017een\u00ed dlu\u017en\u00edci-klienti Union banky, a.s. \u201cv likvidaci\u201d,<\/p>\n<p>vedeni snahou o maxim\u00e1ln\u00ed zjednodu\u0161en\u00ed spl\u00e1cen\u00ed Va\u0161ich z\u00e1vazk\u016f v\u016f\u010di Union bance, a.s \u201cv likvidaci\u201d, dovolujeme si V\u00e1m poskytnout n\u00ed\u017ee uveden\u00e9 informace o mo\u017enostech spl\u00e1cen\u00ed Va\u0161ich z\u00e1vazk\u016f ze \u201cspot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f\u201d (jedn\u00e1 se o \u00fav\u011bry a p\u016fj\u010dky poskytnut\u00e9 fyzick\u00fdm osob\u00e1m-nepodnikatel\u016fm; na z\u00e1vazky z \u00fav\u011br\u016f poskytnut\u00fdch fyzick\u00fdm osob\u00e1m-podnikatel\u016fm, z\u00e1vazky z \u00fav\u011br\u016f poskytnut\u00fdch pr\u00e1vnick\u00fdm osob\u00e1m a na ne\u00fav\u011brov\u00e9 z\u00e1vazky, nelze informace n\u00ed\u017ee uveden\u00e9 bezv\u00fdhradn\u011b aplikovat).<\/p>\n<p>Jak jste ji\u017e byli v minulosti informov\u00e1ni, dne 29. 5. 2003 byl na majetek spole\u010dnosti Union banka, a.s. \u201dv likvidaci\u201d (d\u00e1le jen \u201cUnion banka\u201d nebo \u201c\u00fapadce\u201d) prohl\u00e1\u0161en Krajsk\u00fdm soudem v Ostrav\u011b konkurs. Ve smyslu ustanoven\u00ed \u00a7 13 z\u00e1kona \u010d. 328\/1991 Sb., o konkursu a vyrovn\u00e1n\u00ed, v platn\u00e9m zn\u011bn\u00ed, byla ustavena spr\u00e1vcem konkursn\u00ed podstaty \u00fapadce Ing. Michaela Huserov\u00e1.<\/p>\n<p>Prohl\u00e1\u0161en\u00ed konkursu na majetek \u00fapadce m\u00e1 pr\u00e1vn\u00ed \u00fa\u010dinky spo\u010d\u00edvaj\u00edc\u00ed mimo jin\u00e9 v okam\u017eit\u00e9 a jednor\u00e1zov\u00e9 splatnosti v\u0161ech pohled\u00e1vek \u00fapadce. Tato okam\u017eit\u00e1 splatnost vypl\u00fdv\u00e1 z ustanoven\u00ed \u00a7 14 odst.1 p\u00edsm. g) z\u00e1kona o konkursu a vyrovn\u00e1n\u00ed, na z\u00e1klad\u011b kter\u00e9ho se ke dni 29. 5. 2003 ve\u0161ker\u00e9 pohled\u00e1vky \u00fapadce pova\u017euj\u00ed v konkursu za splatn\u00e9. Tyto splatn\u00e9 pohled\u00e1vky \u00fapadce jsou i po datu prohl\u00e1\u0161en\u00ed konkursu (29. 5. 2003) nad\u00e1le \u00faro\u010deny dle p\u0159\u00edslu\u0161n\u00fdch smluvn\u00edch ujedn\u00e1n\u00ed, a to \u0159\u00e1dn\u00fdm \u00farokem ve sjednan\u00e9 v\u00fd\u0161i. Pokud pohled\u00e1vky \u00fapadce nebyly \u0159\u00e1dn\u011b uhrazeny dne 29. 5. 2003, p\u0159ir\u016fstaj\u00ed k dlu\u017en\u00e9 \u010d\u00e1stce od prohl\u00e1\u0161en\u00ed konkursu tak\u00e9 \u00faroky z prodlen\u00ed. Rovn\u011b\u017e v\u00fd\u0161e \u00faroku z prodlen\u00ed byla s jednotliv\u00fdmi dlu\u017en\u00edky-klienty sjedn\u00e1na v r\u00e1mci uzav\u0159en\u00e9 smlouvy o \u00fav\u011bru, jej\u00ed\u017e sou\u010d\u00e1st\u00ed jsou rovn\u011b\u017e Obecn\u00e9 \u00fav\u011brov\u00e9 podm\u00ednky Union banky, a.s.<\/p>\n<p>V souladu s p\u0159\u00edslu\u0161n\u00fdmi smluvn\u00edmi ujedn\u00e1n\u00edmi byli jednotliv\u00ed dlu\u017en\u00edci-klienti povinni sv\u00e9 z\u00e1vazky v\u016f\u010di Union bance z p\u0159\u00edslu\u0161n\u00e9ho \u00fav\u011bru hradit ve sjednan\u00fdch spl\u00e1tk\u00e1ch tak, jak postupn\u011b nab\u00edhala jejich sjednan\u00e1 splatnost. Jednotliv\u00e9 spl\u00e1tky v p\u0159\u00edpad\u011b spot\u0159ebitelsk\u00e9ho \u00fav\u011bru se pak skl\u00e1daly jednak ze spl\u00e1tky samotn\u00e9 jistiny \u00fav\u011bru, a d\u00e1le spl\u00e1tky \u0159\u00e1dn\u00e9ho \u00faroku. Pro p\u0159\u00edpad, \u017ee jednotliv\u00e9 uskute\u010dn\u011bn\u00e9 platby nesta\u010dily na pokryt\u00ed v\u0161ech splatn\u00fdch z\u00e1vazk\u016f p\u0159\u00edslu\u0161n\u00e9ho dlu\u017e\u00edka-klienta, byly tyto platby z\u00fa\u010dtov\u00e1ny v\u016f\u010di jeho z\u00e1vazk\u016fm v tomto po\u0159ad\u00ed: 1. \u00farok z prodlen\u00ed, 2. \u00farok, 3. jistina. V d\u016fsledku prohl\u00e1\u0161en\u00ed konkursu v\u0161ak p\u016fvodn\u011b sjednan\u00e9 spl\u00e1tkov\u00e9 kalend\u00e1\u0159e nen\u00ed mo\u017en\u00e9 d\u00e1le aplikovat a dlu\u017en\u00edci\u2013klienti jsou povinni sv\u00e9 z\u00e1vazky uhradit k okam\u017eiku prohl\u00e1\u0161en\u00ed konkursu, tedy k 29. 5. 2003.<\/p>\n<p>V souladu s p\u0159\u00edslu\u0161n\u00fdmi smluvn\u00edmi ujedn\u00e1n\u00edmi a d\u00e1le v souladu s usnesen\u00edm Krajsk\u00e9ho soudu v Ostrav\u011b \u010d. j. 33 K 10\/2003-397 ze dne 28. 7. 2003, rozhodl spr\u00e1vce konkursn\u00ed podstaty Union banky dne 1. 8. 2003 o zm\u011bn\u011b po\u0159ad\u00ed pou\u017eit\u00ed plateb do\u0161l\u00fdch k \u00fahrad\u011b pen\u011b\u017eit\u00fdch z\u00e1vazk\u016f dlu\u017en\u00edk\u016f-klient\u016f \u00fapadce. S \u00fa\u010dinnost\u00ed ode dne 1. 8. 2003 jsou platby do\u0161l\u00e9 k \u00fahrad\u011b pen\u011b\u017eit\u00fdch z\u00e1vazk\u016f dlu\u017en\u00edk\u016f-klient\u016f \u00fapadce pou\u017eity na splacen\u00ed pohled\u00e1vek \u00fapadce v tomto po\u0159ad\u00ed: 1. \u00farok, 2. jistina, 3. \u00farok z prodlen\u00ed. Takto zm\u011bn\u011bn\u00e9 po\u0159ad\u00ed z\u00fa\u010dtov\u00e1n\u00ed do\u0161l\u00fdch plateb na \u00fahradu z\u00e1vazk\u016f dlu\u017en\u00edk\u016f\u2013klient\u016f Union banky v\u00fdznamn\u00fdm zp\u016fsobem uleh\u010duje dlu\u017en\u00edk\u016fm-klient\u016fm spl\u00e1cen\u00ed jejich z\u00e1vazk\u016f, nebo\u0165 ve\u0161ker\u00e9 do\u0161l\u00e9 \u00fahrady umo\u0159uj\u00ed \u00farok a jistinu \u00fav\u011bru, v d\u016fsledku \u010deho\u017e doch\u00e1z\u00ed v dal\u0161\u00edm obdob\u00ed ke sn\u00ed\u017een\u00ed z\u00e1kladu, z n\u011bho\u017e jsou d\u00e1le generov\u00e1ny \u00faroky z prodlen\u00ed (v p\u0159\u00edpad\u011b \u00fahrady ve\u0161ker\u00e9ho dlu\u017en\u00e9ho \u00faroku a jistiny \u00fav\u011bru, d\u00e1le k n\u00e1r\u016fstu \u00faroku z prodlen\u00ed ji\u017e nedoch\u00e1z\u00ed v\u016fbec). <\/p>\n<p>V souladu s v\u00fd\u0161e uveden\u00fdm usnesen\u00edm Krajsk\u00e9ho soudu v Ostrav\u011b je d\u00e1le spr\u00e1vce konkursn\u00ed podstaty p\u0159ipraven rozhodnout o prominut\u00ed \u010d\u00e1sti z celkov\u00e9 \u010d\u00e1stky pen\u011b\u017eit\u00fdch z\u00e1vazk\u016f dlu\u017en\u00edka-klienta, a to \u010d\u00e1sti odpov\u00eddaj\u00edc\u00ed v\u00fd\u0161i \u00farok\u016f z prodlen\u00ed p\u0159irostl\u00fdch ode dne 29. 5. 2003 do 30. 11. 2003, v\u010detn\u011b \u010d\u00e1stky odpov\u00eddaj\u00edc\u00ed \u00farok\u016fm z prodlen\u00ed p\u0159irostl\u00fdm a uhrazen\u00fdm v obdob\u00ed od 29. 5. 2003. Toto prominut\u00ed \u010d\u00e1sti dluhu je v\u0161ak podm\u00edn\u011bno skute\u010dnost\u00ed, \u017ee dlu\u017en\u00edk-klient \u00fapadce uhrad\u00ed do 30. 11. 2003 \u010d\u00e1st sv\u00e9ho pen\u011b\u017eit\u00e9ho dluhu rovnaj\u00edc\u00ed se rozd\u00edlu mezi<\/p>\n<p>(i) celkovou v\u00fd\u0161\u00ed pen\u011b\u017eit\u00fdch z\u00e1vazk\u016f dlu\u017en\u00edka-klienta z v\u00fd\u0161e uveden\u00e9ho \u00fav\u011bru v\u016f\u010di \u00fapadci; a(ii) v\u00fd\u0161\u00ed \u00farok\u016f z prodlen\u00ed p\u0159irostl\u00fdch k t\u011bmto z\u00e1vazk\u016fm ode dne 29. 5. 2003 do 30. 11. 2003, a to v\u010detn\u011b \u00farok\u016f z prodlen\u00ed p\u0159irostl\u00fdch a uhrazen\u00fdch v obdob\u00ed od 29. 5. 2003.<\/p>\n<p>V praxi toto rozhodnut\u00ed spr\u00e1vce konkursn\u00ed podstaty znamen\u00e1, \u017ee ka\u017ed\u00fd dlu\u017en\u00edk\u2013klient \u00fapadce, kter\u00fd ve lh\u016ft\u011b do 30. 11. 2003 uhrad\u00ed \u010d\u00e1st sv\u00fdch z\u00e1vazk\u016f ve v\u00fd\u0161i odpov\u00eddaj\u00edc\u00ed sou\u010dtu dlu\u017en\u00e9 jistiny a \u0159\u00e1dn\u00e9ho \u00faroku z \u00fav\u011bru (a p\u0159\u00edpadn\u00e9ho \u00faroku z prodlen\u00ed p\u0159irostl\u00e9ho v obdob\u00ed p\u0159ed 29. 5. 2003), bude zpro\u0161t\u011bn sv\u00e9ho z\u00e1vazku ve v\u00fd\u0161i odpov\u00eddaj\u00edc\u00ed \u010d\u00e1stce \u00faroku z prodlen\u00ed p\u0159irostl\u00e9ho za obdob\u00ed od 29. 5. 2003 do zaplacen\u00ed, maxim\u00e1ln\u011b v\u0161ak do 30. 11. 2003.<\/p>\n<p>Toto rozhodnut\u00ed spr\u00e1vce konkursn\u00ed podstaty je motivov\u00e1no snahou \u201cnesankcionovat\u201d \u00farokem z prodlen\u00ed za obdob\u00ed od 29. 5. 2003 do 30. 11. 2003 ty z dlu\u017en\u00edk\u016f\u2013klient\u016f \u00fapadce, kte\u0159\u00ed ve lh\u016ft\u011b do 30. 11. 2003 uhrad\u00ed zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st jejich z\u00e1vazk\u016f z \u00fav\u011bru. V t\u00e9to souvislosti v\u0161ak nutno podotknout, \u017ee t\u011bm z dlu\u017en\u00edk\u016f-klient\u016f, kte\u0159\u00ed ve lh\u016ft\u011b do 30. 11. 2003 p\u0159edm\u011btnou \u010d\u00e1st sv\u00e9ho dluhu neuhrad\u00ed, \u010d\u00e1stka odpov\u00eddaj\u00edc\u00ed \u00faroku z prodlen\u00ed p\u0159irostl\u00e9ho od 29. 5. 2003 do 30. 11. 2003 prominuta nebude a tento dlu\u017en\u00edk-klient bude nucen sv\u00e9 z\u00e1vazky v\u016f\u010di \u00fapadci uhradit v pln\u00e9m rozsahu.<\/p>\n<p>S ohledem na ur\u010ditou technickou n\u00e1ro\u010dnost v\u00fdpo\u010dtu \u010d\u00e1stky, jej\u00ed\u017e zaplacen\u00ed ve lh\u016ft\u011b do 30. 11. 2003 je podm\u00ednkou prominut\u00ed zbytku dluhu z \u00fav\u011bru (tato n\u00e1ro\u010dnost je d\u00e1na zejm\u00e9na skute\u010dnost\u00ed, \u017ee v\u00fd\u0161e \u010d\u00e1stky, jej\u00ed\u017e \u00fahrada je podm\u00ednkou prominut\u00ed zbytku dluhu z \u00fav\u011bru, nen\u00ed v \u010dase konstantn\u00ed, ale tato se ka\u017ed\u00fdm dnem zvy\u0161uje o p\u0159irostl\u00fd \u00farok), budou jednotliv\u00ed dlu\u017en\u00edci-klienti Union banky o konkr\u00e9tn\u00ed v\u00fd\u0161i t\u00e9to \u010d\u00e1stky informov\u00e1ni p\u00edsemn\u011b, a to formou ozn\u00e1men\u00ed rozes\u00edlan\u00e9ho s m\u011bs\u00ed\u010dn\u00ed periodicitou na adresu dlu\u017en\u00edka-klienta uvedenou v \u00fav\u011brov\u00e9 smlouv\u011b. V\u00fd\u0161e t\u00e9to \u010d\u00e1stky bude v p\u0159edm\u011btn\u00e9m ozn\u00e1men\u00ed stanovena k ur\u010dit\u00e9mu datu v budoucnu (toto datum nebude vzd\u00e1len\u011bj\u0161\u00ed ne\u017e 30 dn\u016f od data doru\u010den\u00ed ozn\u00e1men\u00ed). V p\u0159\u00edpad\u011b, \u017ee dlu\u017en\u00edk-klient k tomuto datu uhrad\u00ed ve prosp\u011bch sv\u00e9ho z\u00e1vazku z \u00fav\u011bru v\u016f\u010di Union bance uvedenou \u010d\u00e1stku (za datum \u00fahrady je v\u0161ak nutno pova\u017eovat datum p\u0159ips\u00e1n\u00ed pen\u011b\u017en\u00edch prost\u0159edk\u016f na \u00fa\u010det Union banky a mezibankovn\u00ed platebn\u00ed styk m\u016f\u017ee v praxi trvat a\u017e 4 dny), spln\u00ed shora popsanou podm\u00ednku a zbytek jeho dluhu z p\u0159edm\u011btn\u00e9ho \u00fav\u011bru mu bude ze strany spr\u00e1vce konkursn\u00ed podstaty prominut. O prominut\u00ed zbytku dluhu bude dlu\u017en\u00edk\u2013klient ze strany spr\u00e1vce konkursn\u00ed podstaty p\u00edsemn\u011b vyrozum\u011bn. N\u00e1sledn\u011b pak bude mo\u017eno p\u0159istoupit rovn\u011b\u017e k uvoln\u011bn\u00ed ve\u0161ker\u00fdch zaji\u0161t\u011bn\u00ed z\u0159\u00edzen\u00fdch dlu\u017en\u00edkem-klientem \u010di t\u0159et\u00ed osobou ve prosp\u011bch pohled\u00e1vky Union banky z p\u0159\u00edslu\u0161n\u00e9ho \u00fav\u011bru (nap\u0159. biankosm\u011bnky, atd.).<\/p>\n<p>V p\u0159\u00edpad\u011b, \u017ee si dlu\u017en\u00edk\u2013klient Union banky bude p\u0159\u00e1t prov\u00e9st \u00fahradu p\u0159edm\u011btn\u00e9 \u010d\u00e1sti sv\u00e9ho dluhu ze spot\u0159ebitelsk\u00e9ho \u00fav\u011bru k jin\u00e9mu datu, ne\u017e k datu uveden\u00e9m v p\u00edsemn\u00e9m ozn\u00e1men\u00ed, bude mu \u010d\u00e1stka p\u0159edstavuj\u00edc\u00ed \u010d\u00e1st dluhu, jej\u00ed\u017e \u00fahrada je podm\u00ednkou prominut\u00ed zbytku jeho dluhu z \u00fav\u011bru sd\u011blena na bezplatn\u00e9 informa\u010dn\u00ed telefonick\u00e9 lince klientsk\u00e9ho centra 800 186 466. Na t\u00e9to telefonn\u00ed lince se po ov\u011b\u0159en\u00ed jm\u00e9na a p\u0159\u00edjmen\u00ed dlu\u017en\u00edka-klienta a identifika\u010dn\u00edho osmim\u00edstn\u00e9ho \u010d\u00edsla jeho \u00fav\u011brov\u00e9ho \u00fa\u010dtu, m\u016f\u017ee informovat o v\u00fd\u0161i p\u0159edm\u011btn\u00e9 \u010d\u00e1sti dluhu, jej\u00ed\u017e \u00fahrada je podm\u00ednkou prominut\u00ed zbytku jeho dluhu z \u00fav\u011bru, a to ke kter\u00e9mukoliv dni v \u010dasov\u00e9m rozp\u011bt\u00ed n\u00e1sleduj\u00edc\u00edch 30 dn\u00ed.Ve\u0161ker\u00e9 \u00fahrady dlu\u017en\u00edk\u016f\u2013klient\u016f je nutno prov\u00e1d\u011bt v\u00fdhradn\u011b ve prosp\u011bch \u00fa\u010dtu \u010d. 1000317416\/3500 (pro platby v K\u010d) veden\u00e9ho u ING Bank N.V., centr\u00e1la Praha. <\/p>\n<p>Pro identifikaci jednotliv\u00fdch plateb z\u00e1vazku z \u00fav\u011bru je nutno v\u017edy uv\u00e9st:<br \/>variabiln\u00ed symbol \u2013 osmim\u00edstn\u00e9 \u010d\u00edslo inkasn\u00edho b\u011b\u017en\u00e9ho \u00fa\u010dtu v IBIS tvaru,<br \/>specifick\u00fd symbol \u2013 osmim\u00edstn\u00e9 \u010d\u00edslo \u00fav\u011brov\u00e9ho \u00fa\u010dtu v IBIS tvaru, <br \/>konstantn\u00ed symbol \u2013 168<\/p>\n<p>IBIS tvar je \u010d\u00edslo slou\u017e\u00edc\u00ed pro bli\u017e\u0161\u00ed identifikaci platby v \u00fa\u010detn\u00edm syst\u00e9mu Union banky. Na v\u00fdpise z \u00fav\u011brov\u00e9ho \u00fa\u010dtu je \u010d\u00edslo \u00fav\u011brov\u00e9ho \u00fa\u010dtu v IBIS tvaru uvedeno v z\u00e1vorce v \u0159\u00e1dku \u010d\u00edsla \u00fa\u010dtu.<\/p>\n<p>Konkr\u00e9tn\u00ed symboly bankovn\u00edho spojen\u00ed (tj. variabiln\u00ed a specifick\u00fd symbol) byly ji\u017e spr\u00e1vcem konkursn\u00ed podstaty v\u0161em dlu\u017en\u00edk\u016fm\u2013klient\u016fm zasl\u00e1ny dopisem na po\u010d\u00e1tku \u010dervna tohoto roku a d\u00e1le budou uv\u00e1d\u011bny ve v\u0161ech p\u00edsemn\u00fdch ozn\u00e1men\u00edch doru\u010dovan\u00fdch do 30. 11. 2003 (viz v\u00fd\u0161e).<\/p>\n<p>Pokud u dlu\u017en\u00edk\u016f-klient\u016f v minulosti do\u0161lo ke zm\u011bn\u011b osobn\u00edch \u00fadaj\u016f (zm\u011bna p\u0159\u00edjmen\u00ed, bydli\u0161t\u011b, atd.) a tyto zm\u011bny dosud nebyly nahl\u00e1\u0161eny Union bance, je nezbytn\u00e9 tyto zm\u011bny osobn\u00edch \u00fadaj\u016f p\u00edsemn\u011b ozn\u00e1mit na adresu Union banka a.s. \u201dv likvidaci\u201d, odbor vym\u00e1h\u00e1n\u00ed pohled\u00e1vek, ul. 30.dubna \u010dp. 635, 702 00 Ostrava \u2013 Moravsk\u00e1 Ostrava, k ruk\u00e1m spr\u00e1vce konkursn\u00ed podstaty. V p\u0159\u00edpad\u011b, \u017ee tyto zm\u011bny nebudou Union bance nahl\u00e1\u0161eny, nebude v sil\u00e1ch Union banky tyto dlu\u017en\u00edky\u2013klienty informovat o konkr\u00e9tn\u00ed v\u00fd\u0161i a mo\u017enostech spl\u00e1cen\u00ed jejich z\u00e1vazk\u016f v\u016f\u010di \u00fapadci.<\/p>\n<p>Z\u00e1v\u011brem si dovoluji vyslovit sv\u00e9 osobn\u00ed p\u0159esv\u011bd\u010den\u00ed, \u017ee shora uveden\u00e9 informace pozitivn\u00edm zp\u016fsobem p\u0159isp\u011bj\u00ed k bezkonfliktn\u00edmu vypo\u0159\u00e1d\u00e1n\u00ed na\u0161ich vz\u00e1jemn\u00fdch pr\u00e1vn\u00edch vztah\u016f zalo\u017een\u00fdch smlouvami o \u201cspot\u0159ebitelsk\u00fdch \u00fav\u011brech\u201d.<\/p>\n<p>Ing. Michaela Huserov\u00e1 v.r.<br \/>spr\u00e1vce konkursn\u00ed podstaty<br \/>Union banka, a.s. \u201ev likvidaci\u201c<\/p>\n","protected":false},"excerpt":{"rendered":"<p>V\u00e1\u017een\u00ed dlu\u017en\u00edci-klienti Union banky, a.s. \u201cv likvidaci\u201d, vedeni snahou o maxim\u00e1ln\u00ed zjednodu\u0161en\u00ed spl\u00e1cen\u00ed Va\u0161ich z\u00e1vazk\u016f v\u016f\u010di Union bance, a.s \u201cv likvidaci\u201d, dovolujeme si V\u00e1m poskytnout n\u00ed\u017ee uveden\u00e9 informace o mo\u017enostech spl\u00e1cen\u00ed Va\u0161ich z\u00e1vazk\u016f ze \u201cspot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f\u201d (jedn\u00e1 se o \u00fav\u011bry a p\u016fj\u010dky poskytnut\u00e9 fyzick\u00fdm osob\u00e1m-nepodnikatel\u016fm; na z\u00e1vazky z \u00fav\u011br\u016f poskytnut\u00fdch fyzick\u00fdm osob\u00e1m-podnikatel\u016fm, z\u00e1vazky z \u00fav\u011br\u016f\u2026 <span class=\"read-more\"><a href=\"https:\/\/www.unionbanka.cz\/?p=534\">Cel\u00fd \u010dl\u00e1nek &raquo;<\/a><\/span><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"_links":{"self":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/534"}],"collection":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=534"}],"version-history":[{"count":0,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=\/wp\/v2\/posts\/534\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=534"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=534"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.unionbanka.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=534"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}