{"id":14131,"date":"2026-06-19T09:07:05","date_gmt":"2026-06-19T07:07:05","guid":{"rendered":"https:\/\/gradido.net\/?p=14131"},"modified":"2026-06-19T10:00:25","modified_gmt":"2026-06-19T08:00:25","slug":"was-wenn-schulden-niemanden-mehr-erdruecken-muessten","status":"publish","type":"post","link":"https:\/\/gradido.net\/pl\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/","title":{"rendered":"A co, gdyby d\u0142ugi nie musia\u0142y ju\u017c nikogo przyt\u0142acza\u0107?"},"content":{"rendered":"
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D\u0142ugi mog\u0105 przyt\u0142oczy\u0107 ca\u0142e \u017cycie. Cz\u0119sto przyczyn\u0105 nie jest lekkomy\u015blno\u015b\u0107, lecz same \u017cycie: choroba, utrata pracy, rozstanie. Wtedy odsetki i op\u0142aty za upomnienia sprawiaj\u0105, \u017ce d\u0142ug stale ro\u015bnie \u2014 a\u017c w ko\u0144cu nikt nie jest ju\u017c w stanie go ud\u017awign\u0105\u0107. Czy tak musi by\u0107 r\u00f3wnie\u017c w przysz\u0142o\u015bci?<\/p>

Dzi\u0119ki Gradido d\u0142ug przestaje rosn\u0105\u0107<\/h2>

Dzisiaj mamy przyjemno\u015b\u0107 zaprezentowa\u0107 Ci drug\u0105 cz\u0119\u015b\u0107 naszego trzycz\u0119\u015bciowego badania: rozwi\u0105zanie Zad\u0142u\u017cenie prywatne<\/strong> \u2014 wi\u0119kszej cz\u0119\u015bci wszystkich d\u0142ug\u00f3w. Nasza odpowied\u017a jest zaskakuj\u0105co prosta: d\u0142ug nie zostanie umorzony, lecz przekszta\u0142cony<\/strong>. Kredyt w wysoko\u015bci jednego euro zamienia si\u0119 w nieoprocentowany kredyt Gradido, w stosunku jeden do jednego. Bez odsetek d\u0142ug przestaje rosn\u0105\u0107.<\/p>

R\u00f3wnie\u017c bank przechodzi przemiany<\/h2>

Wynika to z dzia\u0142alno\u015bci zwi\u0105zanej z oprocentowaniem Po\u015brednik<\/strong>, kt\u00f3ry w delikatny spos\u00f3b \u0142\u0105czy oszcz\u0119dno\u015bci z potrzebami kredytowymi. Wi\u0119kszo\u015b\u0107 d\u0142ug\u00f3w udaje si\u0119 w ten spos\u00f3b sp\u0142aci\u0107 w prosty spos\u00f3b \u2014 a ta niewielka, trudna reszta jest jednocze\u015bnie najwa\u017cniejsza z ludzkiego punktu widzenia.<\/p>

To, co dzi\u015b \u0142amie ludzi, staje si\u0119 zno\u015bne \u2014 i rozp\u0142ywa si\u0119<\/h2>

Za nadmiernym zad\u0142u\u017ceniem zawsze stoi bowiem cz\u0142owiek, a nie liczba: cz\u0119sto to zaledwie kilka tysi\u0119cy euro d\u0142ugu przy dochodzie na granicy ub\u00f3stwa \u2014 a jednak wystarczaj\u0105co du\u017co, by zrujnowa\u0107 \u017cycie. W systemie Gradido brak odsetek od d\u0142ugu pozbawia go niszczycielskiej si\u0142y, a aktywny doch\u00f3d podstawowy stanowi pod\u0142o\u017ce, dzi\u0119ki kt\u00f3remu nikt ju\u017c nie spadnie w otch\u0142a\u0144. To, co dzi\u015b niszczy egzystencje, staje si\u0119 zno\u015bne \u2014 i z czasem znika.<\/p>

Podobnie jak cz\u0119\u015b\u0107 1, r\u00f3wnie\u017c to opracowanie jest dost\u0119pne bezp\u0142atnie, w j\u0119zyku niemieckim i angielskim. Nie musisz zna\u0107 si\u0119 na ekonomii \u2014 ju\u017c samo kr\u00f3tkie streszczenie jest warte przeczytania.<\/p>

\ud83d\udc49 W sekcji \u201eArtyku\u0142y akademickie\u201d mo\u017cesz przeczyta\u0107 cz\u0119\u015bci 1 i 2<\/strong><\/a><\/p>

A je\u015bli to do Ciebie przemawia: opowiedz o tym innym. W ten spos\u00f3b Gradido staje si\u0119 rzeczywisto\u015bci\u0105 \u2014 gdy ludzie tacy jak Ty poznaj\u0105 t\u0119 ide\u0119 i przekazuj\u0105 j\u0105 dalej.<\/p>

Kilka dni temu ukaza\u0142a si\u0119 cz\u0119\u015b\u0107 1 (d\u0142ug publiczny); wkr\u00f3tce pojawi si\u0119 cz\u0119\u015b\u0107 3 (Gradido jako \u015bwiatowa rezerwa). Razem tworz\u0105 one jedn\u0105, pi\u0119kn\u0105 wiadomo\u015b\u0107: droga do \u015bwiata, w kt\u00f3rym wszystkim mo\u017ce si\u0119 dobrze powodzi\u0107, stoi otworem \u2014 dla nas, naszych dzieci i przysz\u0142ych pokole\u0144.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Z serdecznymi pozdrowieniami<\/p>

Tw\u00f3j<\/span><\/p><\/div>

\"\"<\/p>

Margret Baier i Bernd H\u00fcckst\u00e4dt
Za\u0142o\u017cyciel i deweloper Gradido<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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PS: Wielkie podzi\u0119kowania dla wszystkich cz\u0142onk\u00f3w spo\u0142eczno\u015bci, kt\u00f3rzy wspieraj\u0105 projekt Gradido finansowo!<\/strong> Jako podzi\u0119kowanie za Wk\u0142ad subsydiowany<\/a><\/strong> przypisujemy ci GradidoTransform (GDT) - i W dniu 26 czerwca 2026 r. zwi\u0119kszymy salda wszystkich kont GDT o dodatkowe 26 %. Chcesz do nas do\u0142\u0105czy\u0107?<\/a><\/strong> Doceniamy ka\u017cde wsparcie i z ca\u0142ego serca dzi\u0119kujemy za zwi\u0119kszenie GDT.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

D\u0142ugi mog\u0105 zamieni\u0107 \u017cycie w piek\u0142o \u2014 cz\u0119sto po chorobie, utracie pracy lub rozstaniu. W cz\u0119\u015bci 2 naszego badania pokazujemy, jak z przyt\u0142aczaj\u0105cych d\u0142ug\u00f3w mo\u017cna stworzy\u0107 akceptowaln\u0105, nieoprocentowan\u0105 \u015bcie\u017ck\u0119 wyj\u015bcia.<\/p>","protected":false},"author":2,"featured_media":14132,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51,11],"tags":[57,60,61],"class_list":["post-14131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysen","category-blog","tag-konzeptstudie","tag-privatschulden","tag-ueberschuldung"],"yoast_head":"\nWas, wenn Schulden niemanden mehr erdr\u00fccken m\u00fcssten? - Gradido<\/title>\n<meta name=\"description\" content=\"Mit Gradido werden private Schulden umgewandelt statt erlassen \u2014 zinsfrei. 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