[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.finstra.cz\/jak-si-spravne-pujcovat\/#Article","mainEntityOfPage":"https:\/\/www.finstra.cz\/jak-si-spravne-pujcovat\/","headline":"Jak si spr\u00e1vn\u011b p\u016fj\u010dovat?","name":"Jak si spr\u00e1vn\u011b p\u016fj\u010dovat?","description":"Soukrom\u00e9 podnik\u00e1n\u00ed \u010dlov\u011bku pen\u00edze nejenom p\u0159in\u00e1\u0161\u00ed, ale tak\u00e9 je od n\u011bj vy\u017eaduje. Je t\u0159eba investovat, aby se to rozjelo a udr\u017eoval v chodu, je t\u0159eba platit nejr\u016fzn\u011bj\u0161\u00ed v\u00fddaje a odvody, a teprve za to firma \u010dlov\u011bku i n\u011bco vyd\u011bl\u00e1. Anebo bohu\u017eel tak\u00e9 ne. V podnik\u00e1n\u00ed toti\u017e nen\u00ed nic jist\u00e9 a m\u016f\u017ee se tak hrav\u011b st\u00e1t,...","datePublished":"2019-10-16","dateModified":"2023-06-13","author":{"@type":"Person","@id":"https:\/\/www.finstra.cz\/author\/#Person","name":"","url":"https:\/\/www.finstra.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"finstra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.finstra.cz\/wp-content\/uploads\/img_a367834_w2018_t1580299765.jpg","url":"https:\/\/www.finstra.cz\/wp-content\/uploads\/img_a367834_w2018_t1580299765.jpg","height":0,"width":0},"url":"https:\/\/www.finstra.cz\/jak-si-spravne-pujcovat\/","about":["Finance"],"wordCount":465,"articleBody":"       Soukrom\u00e9 podnik\u00e1n\u00ed \u010dlov\u011bku pen\u00edze nejenom p\u0159in\u00e1\u0161\u00ed, ale tak\u00e9 je od n\u011bj vy\u017eaduje. Je t\u0159eba investovat, aby se to rozjelo a udr\u017eoval v chodu, je t\u0159eba platit nejr\u016fzn\u011bj\u0161\u00ed v\u00fddaje a odvody, a teprve za to firma \u010dlov\u011bku i n\u011bco vyd\u011bl\u00e1. Anebo bohu\u017eel tak\u00e9 ne. V podnik\u00e1n\u00ed toti\u017e nen\u00ed nic jist\u00e9 a m\u016f\u017ee se tak hrav\u011b st\u00e1t, \u017ee se do podniku mus\u00ed investovat v\u00edce, ne\u017e tento sv\u00e9mu majiteli vr\u00e1t\u00ed. Kdy\u017e se tak podnikatel dostane bl\u00edzko k nule nebo dokonce do m\u00ednusu, mus\u00ed hledat pomoc jinde. A to logicky v p\u016fj\u010dce, proto\u017ee v n\u011bjak\u00e9 darov\u00e1n\u00ed pen\u011bz tu doufat nelze. Jen\u017ee ani s p\u016fj\u010dkou to neb\u00fdv\u00e1 zase a\u017e tak snadn\u00e9. Proto\u017ee aby tuto \u010dlov\u011bk z\u00edskal, mus\u00ed p\u0159esv\u011bd\u010dit poskytovatele, \u017ee je j\u00ed hoden, \u017ee je natolik majetn\u00fd a zodpov\u011bdn\u00fd, \u017ee ji v po\u0159\u00e1dku vr\u00e1t\u00ed. A p\u0159esv\u011bd\u010dit o tom b\u00fdv\u00e1 leckdy velice komplikovan\u00e9. Poskytovatel\u00e9 p\u016fj\u010dek si nastav\u00ed v z\u00e1jmu sv\u00e9 jistoty ur\u010dit\u00e1 pravidla, je\u017e mus\u00ed \u017eadatel\u00e9 splnit, a pokud je n\u011bkdo nespln\u00ed, m\u016f\u017ee si nechat chu\u0165 p\u016fj\u010dit si zaj\u00edt. A t\u00edm, na \u010dem \u017eadatel\u00e9 poho\u0159\u00ed nej\u010dast\u011bji, b\u00fdvaj\u00ed nedob\u0159e vypadaj\u00edc\u00ed da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, jin\u00e9 existuj\u00edc\u00ed dluhy \u010di exekuce. Kdo nen\u00ed v t\u011bchto z\u00e1le\u017eitostech dokonal\u00fd, m\u016f\u017ee na p\u016fj\u010dku od banky zapomenout.  A naopak by si m\u011bl vzpomenout na nebankovn\u00ed sektor. Proto\u017ee zde nab\u00edzen\u00e1 americk\u00e1 hypot\u00e9ka bez registru F\u00e9rov\u00e1 hypot\u00e9ka je t\u00edm dost mo\u017en\u00e1 i \u00fapln\u011b jedin\u00fdm zp\u016fsobem, jak se problematick\u00fd \u017eadatel m\u016f\u017ee k pen\u011bz\u016fm dostat. Zde toti\u017e nehraje z\u00e1sadn\u00ed roli nic z toho, co tu bylo p\u0159ed okam\u017eikem pops\u00e1no. Tady sta\u010d\u00ed jenom to, m\u00e1-li \u017eadatel p\u0159\u00edjmy, z nich\u017e je mo\u017en\u00e9 jemu p\u016fj\u010den\u00e9 pen\u00edze \u0159\u00e1dn\u011b vracet, a m\u016f\u017ee-li d\u00e1t za tuto p\u016fj\u010dku do z\u00e1stavy svoji nemovitost, \u010d\u00edm\u017e se poskytovatel t\u00e9to hypot\u00e9ky poji\u0161\u0165uje pro p\u0159\u00edpad, \u017ee by dlu\u017en\u00edk \u0159\u00e1dn\u011b nespl\u00e1cel. Kdo spl\u0148uje tato krit\u00e9ria, m\u016f\u017ee si lehce po\u017e\u00e1dat p\u0159es internet a ve velice kr\u00e1tk\u00e9 dob\u011b se mu dostane t\u0159eba i u\u010din\u011bn\u00e9 hromady pen\u011bz, je\u017e m\u016f\u017ee n\u00e1sledn\u011b spl\u00e1cet za ide\u00e1ln\u00edch podm\u00ednek i hodn\u011b dlouhou dobu. Tak\u017ee to jist\u011b zvl\u00e1dne. A podnik\u00e1n\u00ed m\u016f\u017ee b\u00fdt takovou finan\u010dn\u00ed injekc\u00ed zachr\u00e1n\u011bno.                                                                                                                                                                                                                                                                                                                                                                                          4.6\/5 - (17 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak si spr\u00e1vn\u011b p\u016fj\u010dovat?","item":"https:\/\/www.finstra.cz\/jak-si-spravne-pujcovat\/#breadcrumbitem"}]}]