[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.czis.cz\/kdyz-podnikani-skomira\/#Article","mainEntityOfPage":"https:\/\/www.czis.cz\/kdyz-podnikani-skomira\/","headline":"Kdy\u017e podnik\u00e1n\u00ed skom\u00edr\u00e1","name":"Kdy\u017e podnik\u00e1n\u00ed skom\u00edr\u00e1","description":"Soukrom\u00ed podnikatel\u00e9 maj\u00ed coby prvo\u0159ad\u00fd \u00fakol si na sebe vyd\u011blat. Tito toti\u017e nemohou v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b spol\u00e9hat na to, \u017ee jim pom\u016f\u017ee n\u011bkdo jin\u00fd jen tak z dobroty srdce, \u017ee jim n\u011bkdo d\u00e1 n\u011bjak\u00e9 pen\u00edze, pokud se dostanou do \u00fazk\u00fdch. Podnikatel\u00e9 jsou na to sami, co\u017e je dobr\u00e9, kdy\u017e se jim da\u0159\u00ed, ov\u0161em zl\u00e9 tehdy, […]","datePublished":"2020-08-14","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.czis.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.czis.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4c8347e48acde4b8838164e4b1c9b1c2409c44aff1922a8b9d7dd631b9ae52bb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4c8347e48acde4b8838164e4b1c9b1c2409c44aff1922a8b9d7dd631b9ae52bb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"czis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.czis.cz\/wp-content\/uploads\/kreditn%C3%AD%20karta_2.png","url":"https:\/\/www.czis.cz\/wp-content\/uploads\/kreditn%C3%AD%20karta_2.png","height":0,"width":0},"url":"https:\/\/www.czis.cz\/kdyz-podnikani-skomira\/","about":["Ekonomika"],"wordCount":426,"articleBody":"     Soukrom\u00ed podnikatel\u00e9 maj\u00ed coby prvo\u0159ad\u00fd \u00fakol si na sebe vyd\u011blat. Tito toti\u017e nemohou v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b spol\u00e9hat na to, \u017ee jim pom\u016f\u017ee n\u011bkdo jin\u00fd jen tak z dobroty srdce, \u017ee jim n\u011bkdo d\u00e1 n\u011bjak\u00e9 pen\u00edze, pokud se dostanou do \u00fazk\u00fdch. Podnikatel\u00e9 jsou na to sami, co\u017e je dobr\u00e9, kdy\u017e se jim da\u0159\u00ed, ov\u0161em zl\u00e9 tehdy, kdy\u017e se nevede. A je cel\u00e1 \u0159ada d\u016fvod\u016f a situac\u00ed, kdy se neda\u0159\u00ed.Jen\u017ee co si po\u010d\u00edt, kdy\u017e se n\u011bkdo takov\u00fd dostane do nez\u00e1vid\u011bn\u00edhodn\u00e9 finan\u010dn\u00ed situace? Jak se m\u00e1 n\u011bkdo takov\u00fd v podobn\u00e9 situaci zachovat?Pokud nem\u00e1 vlastn\u00ed zdroje, tedy dejme tomu n\u011bjak\u00e9 sv\u00e9 \u00faspory nebo mecen\u00e1\u0161e, nezb\u00fdv\u00e1 jin\u00e9 v\u00fdchodisko, ne\u017e si vz\u00edt v n\u011bjak\u00e9 finan\u010dn\u00ed instituci p\u016fj\u010dku. Jen\u017ee jak\u00fd typ p\u016fj\u010dky a v jak\u00e9m finan\u010dn\u00edm dom\u011b? To u\u017e nelze \u0159\u00edci univerz\u00e1ln\u011b, to z\u00e1le\u017e\u00ed na konkr\u00e9tn\u00edch okolnostech.Ale p\u0159esto se d\u00e1 zev\u0161eobec\u0148ovat. A \u0159\u00edci, \u017ee pokud je takov\u00fd podnikatel opravdu v probl\u00e9mech a\u017e po u\u0161i, ur\u010dit\u011b se mu hod\u00ed nebankovn\u00ed hypot\u00e9ka bez registru. A sice proto, \u017ee zat\u00edmco v bank\u00e1ch ka\u017ed\u00e9ho \u017eadatele velice d\u016fkladn\u011b prov\u011b\u0159uj\u00ed, kladou na n\u011bj vysok\u00e9 po\u017eadavky a nejednou ho odm\u00edtnou t\u0159eba i kv\u016fli naprost\u00e9 banalit\u011b, zde jsou p\u0159ece jenom panuj\u00edc\u00ed mravy o n\u011bco voln\u011bj\u0161\u00ed, a tud\u00ed\u017e se tu lze daleko sp\u00ed\u0161e setkat s \u00fasp\u011bchem. A to i tehdy, kdy\u017e m\u00e1 z\u00e1jemce o podnikatelskou p\u016fj\u010dku jenom mal\u00e9 p\u0159\u00edjmy, zle vypadaj\u00edc\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed a mo\u017en\u00e1 i n\u011bjak\u00fd z\u00e1znam v registrech dlu\u017en\u00edk\u016f a podobn\u011b.Tady sta\u010d\u00ed d\u00e1t do z\u00e1stavy nemovitost a za\u017e\u00e1dat si a v\u0161e ostatn\u00ed u\u017e je skoro formalita. Jist\u011b, mus\u00ed se tu dolo\u017eit i schopnost \u0159\u00e1dn\u011b spl\u00e1cet, ale to tu ve srovn\u00e1n\u00ed s bankami nen\u00ed v\u016fbec slo\u017eit\u00e9. A tak je p\u016fj\u010dka tohoto typu schv\u00e1lena rychle, ka\u017ed\u00fd si tu z\u00e1hy p\u0159ijde na sv\u00e9, a to nav\u00edc za podm\u00ednek ide\u00e1ln\u00edch natolik, \u017ee to leckoho dok\u00e1\u017ee i udivit.A tak se d\u00e1 lehce p\u0159ij\u00edt k pen\u011bz\u016fm, je\u017e do\u010dasn\u011b sch\u00e1zej\u00ed, t\u011bmito lze zaplatit v\u0161e, co s podnik\u00e1n\u00edm souvis\u00ed, a r\u00e1zem je zase dob\u0159e.                                                                                                                                                                                                                                                                                                                                                                                                  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