{"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\/sl\/was-wenn-schulden-niemanden-mehr-erdruecken-muessten\/","title":{"rendered":"Kaj pa, \u010de dolgovi ne bi ve\u010d obremenjevali nikogar?"},"content":{"rendered":"
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Dolgovi lahko obremenijo celotno \u017eivljenje. In pogosto to ni posledica neprevidnosti, temve\u010d samega \u017eivljenja: bolezni, izgube slu\u017ebe, razhoda. Nato obresti in stro\u0161ki opominjanja povzro\u010dajo, da se dolg vedno bolj pove\u010duje \u2013 dokler ga nih\u010de ve\u010d ne more nositi. Ali mora biti tako tudi v prihodnosti?<\/p>

Z Gradidom se dolg ne pove\u010duje ve\u010d<\/h2>

Danes ti lahko podarimo drugi del na\u0161e tridelne \u0161tudije: razplet Osebni dolgovi<\/strong> \u2014 ve\u010djega dela vseh dolgov nasploh. Na\u0161 odgovor je presenetljivo preprost: dolg se ne odpi\u0161e, ampak pretvorjeno<\/strong>. Iz enega evra kredita nastane brezobrestni Gradido-kredit, v razmerju ena proti ena. Brez obresti dolg ne nara\u0161\u010da ve\u010d.<\/p>

Tudi banka se spreminja<\/h2>

To izhaja iz poslovanja z obrestmi v zvezi z posrednik<\/strong>, ki previdno usklajuje prihranke in \u017eelje po posojilih. Ve\u010dina dolgov se pri tem re\u0161i povsem enostavno \u2014 tisti majhen, zapleten preostanek pa je hkrati \u010dlove\u0161ko gledano najpomembnej\u0161i.<\/p>

Kar danes razbije ljudi, postane nosljivo \u2014 in se razkroji<\/h2>

Za prekomernim zadol\u017eevanjem namre\u010d vedno stoji \u010dlovek, ne \u0161tevilka: pogosto gre le za nekaj tiso\u010d evrov dolga ob dohodku na pragu rev\u0161\u010dine \u2013 a vendar dovolj, da uni\u010di \u017eivljenje. V sistemu Gradido brezobrestnost dolga odvzame njegovo uni\u010devalno mo\u010d, aktivni osnovni dohodek pa ustvarja trdno podlago, zaradi katere nih\u010de ve\u010d ne pade v brezno. Kar danes uni\u010duje \u017eivljenja, postane znosno \u2013 in s\u010dasoma izgine.<\/p>

Tako kot 1. del je tudi ta \u0161tudija prosto dostopna v nem\u0161\u010dini in angle\u0161\u010dini. Ni ti treba biti poznavalec ekonomije \u2014 \u017ee kratek povzetek je vreden ogleda.<\/p>

\ud83d\udc49 V dokumentih akademije si lahko prebere\u0161 1. in 2. del<\/strong><\/a><\/p>

In \u010de te to ganja: povej o tem naprej. Tako bo Gradido postal resni\u010dnost \u2013 \u010de ga bodo ljudje, kot si ti, spoznali in \u0161irili naprej.<\/p>

Pred nekaj dnevi se je za\u010del 1. del (dr\u017eavni dolg); kmalu bo sledil 3. del (Gradido kot svetovna rezerva). Skupaj prina\u0161ata eno samo lepo sporo\u010dilo: pot v svet, v katerem lahko vsem gre dobro, je odprta \u2013 za nas, na\u0161e otroke in prihodnje generacije.<\/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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V iskreni povezanosti te pozdravljamo<\/p>

Va\u0161<\/span><\/p><\/div>

\"\"<\/p>

Margret Baier in Bernd H\u00fcckst\u00e4dt
Ustanovitelj in razvijalec Gradida<\/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: Velika hvala vsem tistim v skupnosti, ki finan\u010dno podpirajo projekt Gradido!<\/strong> V zahvalo za va\u0161o Prispevek subvencije<\/a><\/strong> vam pripi\u0161emo GradidoTransform (GDT) - in 26. junija 2026 bomo stanje na vseh ra\u010dunih GDT pove\u010dali za dodatnih 26 %. Bi se nam radi pridru\u017eili?<\/a><\/strong> Zahvaljujemo se za vsako podporo in vam iz srca vo\u0161\u010dimo pove\u010danje 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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Dolgovi lahko spremenijo \u017eivljenje v pravi pekel \u2014 pogosto po bolezni, izgubi slu\u017ebe ali razhodu. V 2. delu na\u0161e \u0161tudije prikazujemo, kako se iz obremenjujo\u010dih dolgov razvije sprejemljiva re\u0161itev brez obresti.<\/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. Was heute Existenzen vernichtet, wird tragbar. 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