[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zkb95.cz\/jak-si-pujcuji-podnikatele\/#Article","mainEntityOfPage":"https:\/\/www.zkb95.cz\/jak-si-pujcuji-podnikatele\/","headline":"Jak si p\u016fj\u010duj\u00ed podnikatel\u00e9?","name":"Jak si p\u016fj\u010duj\u00ed podnikatel\u00e9?","description":"Ne ka\u017ed\u00fd z podnikatel\u016f m\u00e1 v\u017edy tolik pen\u011bz, kolik je mu jich zapot\u0159eb\u00ed pro provozov\u00e1n\u00ed jeho firmy. Nejednou se mu nedost\u00e1v\u00e1 t\u0159eba pen\u011bz na investice do v\u00fdroby, nejednou nem\u00e1 na placen\u00ed dodavatel\u016fm a t\u0159eba dokonce ani zam\u011bstnanc\u016fm, ber\u0148\u00e1ku a dal\u0161\u00edm. A co s t\u00edm podnikatel\u00e9 v takov\u00e9 nez\u00e1vid\u011bn\u00edhodn\u00ed situaci nad\u011blaj\u00ed? Nemaj\u00ed-li p\u0159ij\u00edt na buben, tedy...","datePublished":"2019-07-06","dateModified":"2024-04-18","author":{"@type":"Person","@id":"https:\/\/www.zkb95.cz\/author\/#Person","name":"","url":"https:\/\/www.zkb95.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/11f8c6ff4d174e1ebef1d6401491d0892ff6534e7a3312fbf752a8f90a4375cd?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/11f8c6ff4d174e1ebef1d6401491d0892ff6534e7a3312fbf752a8f90a4375cd?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zkb95.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zkb95.cz\/wp-content\/uploads\/img_a354269_w3713_t1568874217.jpg","url":"https:\/\/www.zkb95.cz\/wp-content\/uploads\/img_a354269_w3713_t1568874217.jpg","height":0,"width":0},"url":"https:\/\/www.zkb95.cz\/jak-si-pujcuji-podnikatele\/","about":["Pen\u00edze"],"wordCount":440,"articleBody":"       Ne ka\u017ed\u00fd z podnikatel\u016f m\u00e1 v\u017edy tolik pen\u011bz, kolik je mu jich zapot\u0159eb\u00ed pro provozov\u00e1n\u00ed jeho firmy. Nejednou se mu nedost\u00e1v\u00e1 t\u0159eba pen\u011bz na investice do v\u00fdroby, nejednou nem\u00e1 na placen\u00ed dodavatel\u016fm a t\u0159eba dokonce ani zam\u011bstnanc\u016fm, ber\u0148\u00e1ku a dal\u0161\u00edm. A co s t\u00edm podnikatel\u00e9 v takov\u00e9 nez\u00e1vid\u011bn\u00edhodn\u00ed situaci nad\u011blaj\u00ed? Nemaj\u00ed-li p\u0159ij\u00edt na buben, tedy zkrachovat, mus\u00ed si \u010dasto ty pen\u00edze p\u016fj\u010dit. Nen\u00ed jin\u00e9 cesty. Ov\u0161em i tato cesta m\u016f\u017ee b\u00fdt hodn\u011b klikat\u00e1 a pln\u00e1 strast\u00ed. A to proto, \u017ee si finan\u010dn\u00ed instituce logicky kladou podm\u00ednky, za nich\u017e jsou \u017eadatel\u016fm ochotny n\u011bjak\u00e9 ty prost\u0159edky p\u016fj\u010dit, a kdy\u017e \u010dlov\u011bk nen\u00ed t\u011bmto p\u0159edpis\u016fm schopen dost\u00e1t, nem\u00e1 nad\u011bji na pomoc. Pokud se doty\u010dn\u00e9mu neda\u0159\u00ed, pokud m\u00e1 nevaln\u00e9 p\u0159\u00edjmy a da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, respektive i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f a dal\u0161\u00ed nedostatky, pova\u017eovan\u00e9 t\u0159eba v bank\u00e1ch za naprosto z\u00e1sadn\u00ed, m\u00e1 \u010dasto nad\u011bji jedin\u011b v p\u0159\u00edpad\u011b, \u017ee se mu poda\u0159\u00ed k\u00e1pnout na nab\u00eddku jm\u00e9nem hypot\u00e9ka bez p\u0159\u00edjmu Nebankovn\u00ed hypot\u00e9ky CZ. Na rozd\u00edl od naprost\u00e9 v\u011bt\u0161iny jin\u00fdch p\u016fj\u010dek tady m\u00e1 nad\u011bji i n\u011bkdo, kdo nevypad\u00e1 zrovna d\u016fv\u011bryhodn\u011b. A to proto, \u017ee je tu prvo\u0159ad\u00fdm \u00fakolem \u017eadatele d\u00e1t za onu p\u016fj\u010dku do z\u00e1stavy odpov\u00eddaj\u00edc\u00ed nemovitost. M\u016f\u017ee-li tak tento u\u010dinit, m\u00e1 zna\u010dnou nad\u011bji na \u00fasp\u011bch. A nem\u00e1-li, pochopiteln\u011b o n\u011bco jako hypot\u00e9ka v\u016fbec \u017e\u00e1dat nem\u016f\u017ee a tud\u00ed\u017e nem\u016f\u017ee ani za\u017e\u00edt trpk\u00fd pocit dal\u0161\u00edho zklam\u00e1n\u00ed. Kdo d\u00e1 do z\u00e1stavy adekv\u00e1tn\u00ed nemovitost, je schopen spl\u00e1cet aspo\u0148 minim\u00e1ln\u00ed spl\u00e1tky v dlouhodob\u00e9m \u010dasov\u00e9m horizontu a nen\u00ed ve vysloven\u011b prek\u00e9rn\u00ed situaci, kdy u\u017e nen\u00ed schopnost spl\u00e1cet v\u011brohodn\u00e1, m\u016f\u017ee usp\u011bt, a to i velice pohodln\u011b a rychle. Tady se toti\u017e zbyte\u010dn\u011b nepap\u00edruje, nic se neplat\u00ed p\u0159edem a k tomu, aby se podala \u017e\u00e1dost, sta\u010d\u00ed jenom vyplnit jednoduch\u00fd formul\u00e1\u0159 na internetu a poslat nebankovn\u00ed spole\u010dnosti k posouzen\u00ed po\u017eadovan\u00e9 sn\u00edmky nemovitosti. A poskytovatel u\u017e pak ud\u011bl\u00e1 v\u0161e pro to, aby pen\u00edze byly k m\u00e1n\u00ed, a to za co nejide\u00e1ln\u011bj\u0161\u00edch podm\u00ednek. Co\u017e vypad\u00e1 jako sen, ale sen to nen\u00ed. Nev\u011b\u0159\u00edte-li, \u0161t\u00edpn\u011bte se.                                                                                                                                                                                                                                                                                                                                                                                          4\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si p\u016fj\u010duj\u00ed podnikatel\u00e9?","item":"https:\/\/www.zkb95.cz\/jak-si-pujcuji-podnikatele\/#breadcrumbitem"}]}]