[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ecr-cz.cz\/jeste-ze-mame-pujcky\/#Article","mainEntityOfPage":"https:\/\/www.ecr-cz.cz\/jeste-ze-mame-pujcky\/","headline":"Je\u0161t\u011b \u017ee m\u00e1me p\u016fj\u010dky","name":"Je\u0161t\u011b \u017ee m\u00e1me p\u016fj\u010dky","description":"Um\u00edte si v\u016fbec p\u0159edstavit, \u017ee byste byli soukrom\u00fdmi podnikateli v nesn\u00e1z\u00edch? Pokud ne, pak si zkuste p\u0159edstavit, jak by v\u00e1m bylo, kdyby u v\u00e1s nastala","datePublished":"2023-01-10","dateModified":"2023-05-17","author":{"@type":"Person","@id":"https:\/\/www.ecr-cz.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.ecr-cz.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/69bd9b72104e3ccfb6214cbd23cb226f96c6ecf33a2a351fa1d4682235118df3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ecr-cz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ecr-cz.cz\/wp-content\/uploads\/currency-3088153_960_720.jpg","url":"https:\/\/www.ecr-cz.cz\/wp-content\/uploads\/currency-3088153_960_720.jpg","height":0,"width":0},"url":"https:\/\/www.ecr-cz.cz\/jeste-ze-mame-pujcky\/","about":["Ekonomika"],"wordCount":482,"articleBody":"   Um\u00edte si v\u016fbec p\u0159edstavit, \u017ee byste byli soukrom\u00fdmi podnikateli v nesn\u00e1z\u00edch? Pokud ne, pak si zkuste p\u0159edstavit, jak by v\u00e1m bylo, kdyby u v\u00e1s nastala t\u0159eba i n\u011bkter\u00e1 z n\u00e1sleduj\u00edc\u00edch situac\u00ed:Pracovali byste, t\u0159eba i denn\u011b od slunka do slunka, d\u0159eli byste se, ale p\u0159esto byste si na sebe nemuseli dost vyd\u011blat.Museli byste omezovat sv\u00e9 v\u00fddaje a doufat, \u017ee bude aspo\u0148 na j\u00eddlo.Mohla by se v\u00e1m hroutit i va\u0161e firma, kter\u00e1 by nem\u011bla na sv\u016fj provoz, a tak by v\u00e1m nav\u00edc hrozilo, \u017ee jednoho dne i o tuto nez\u00e1vid\u011bn\u00edhodnou pr\u00e1ci p\u0159ijdete a nav\u00edc v\u00e1m po n\u00ed t\u0159eba z\u016fstanou na krku i nesplatiteln\u00e9 dluhy.Ze v\u0161ech stran by se na v\u00e1s hrnuly \u00fa\u010dty a upom\u00ednky, se kter\u00fdmi byste se kv\u016fli nedostate\u010dn\u00fdm zisk\u016fm nemohli vypo\u0159\u00e1dat.Mo\u017en\u00e1 by u v\u00e1s byli \u010dast\u00fdmi hosty i exekuto\u0159i, sna\u017e\u00edc\u00ed se v\u00e1m zabavit za neuhrazen\u00e9 pohled\u00e1vky v\u0161echno, co se jenom zabavit d\u00e1.A to nejsou je\u0161t\u011b v\u0161echny probl\u00e9my, je\u017e mohou provozovatel\u00e9 ne\u00fasp\u011b\u0161n\u00e9ho byznysu m\u00edt. Komplikac\u00ed tu m\u016f\u017ee b\u00fdt je\u0161t\u011b mnohem v\u00edc. A co probl\u00e9m, to pot\u0159eba n\u011bjak ho zvl\u00e1dnout. Co\u017e by ale dost dob\u0159e ne\u0161lo, pokud byste nem\u011bli \u010d\u00edm ho financovat.Zkr\u00e1tka a dob\u0159e nen\u00ed ne\u00fasp\u011b\u0161n\u00fdm podnikatel\u016fm v\u016fbec co z\u00e1vid\u011bt. Ale p\u0159esto tu i tac\u00ed lid\u00e9 jsou. A kdy\u017e se jim v jejich podnik\u00e1n\u00ed z jak\u00e9hokoliv d\u016fvodu finan\u010dn\u011b neda\u0159\u00ed, je z\u00e1hodno s t\u00edm n\u011bco ud\u011blat.Jen\u017ee kdy\u017e se pen\u00edze nevyd\u011blaj\u00ed, jak je sehnat? Jedno \u0159e\u0161en\u00ed by tu sice bylo, a t\u00edm je p\u016fj\u010dka, jen\u017ee ani to je\u0161t\u011b nen\u00ed \u0159e\u0161en\u00ed univerz\u00e1ln\u00ed a funguj\u00edc\u00ed. P\u016fj\u010dka pom\u016f\u017ee logicky jenom t\u011bm ze soukromn\u00edk\u016f, kte\u0159\u00ed ji dostanou, \u017e\u00e1doucn\u011b vyu\u017eij\u00ed a n\u00e1sledn\u011b i splat\u00ed. A \u010dasto sel\u017ee podnikatel u\u017e p\u0159i \u017e\u00e1d\u00e1n\u00ed o tuto formu pomoci a nedostane od banky ani vindru.A kdy\u017e banka odm\u00edtne p\u016fj\u010dit? Pak to sprav\u00ed ur\u010dit\u011b hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu. Ta samoz\u0159ejm\u011b za p\u0159edpokladu, \u017ee se za ni m\u016f\u017ee z\u00e1jemce zaru\u010dit z\u00e1stavou nemovitosti. Proto\u017ee s takovou z\u00e1rukou je tu v\u0161e jist\u00e9. Na rozd\u00edl od situace, kdy podnikatel nemovitost zastavit nem\u016f\u017ee, a tedy ani zde neusp\u011bje.Ale v\u011bt\u0161ina podnikatel\u016f n\u011bjak\u00fd ten nemovit\u00fd majetek m\u00e1. A pak jim takov\u00e1 nebankovn\u00ed hypot\u00e9ka ur\u010dit\u011b pom\u016f\u017ee to zvl\u00e1dnout.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je\u0161t\u011b \u017ee m\u00e1me p\u016fj\u010dky","item":"https:\/\/www.ecr-cz.cz\/jeste-ze-mame-pujcky\/#breadcrumbitem"}]}]