[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.phgia.cz\/i-soukromnici-si-pujcuji\/#Article","mainEntityOfPage":"https:\/\/www.phgia.cz\/i-soukromnici-si-pujcuji\/","headline":"I soukromn\u00edci si p\u016fj\u010duj\u00ed","name":"I soukromn\u00edci si p\u016fj\u010duj\u00ed","description":"Pokud se soukrom\u00e9mu podnikateli nevede, odn\u00e1\u0161\u00ed to nejen on s\u00e1m, ale i cel\u00fd jeho podnik. V \u010dem\u017e je situace dost mo\u017en\u00e1 je\u0161t\u011b daleko hor\u0161\u00ed ne\u017e u nepodnikaj\u00edc\u00edch lid\u00ed, proto\u017ee takov\u00fd podnikatel pochopiteln\u011b nenese odpov\u011bdnost jenom za sebe, ale i za v\u0161e, co souvis\u00ed s jeho firmou. A kdy\u017e dos\u00e1hnou probl\u00e9my dostate\u010dn\u00e9 velikosti, nezb\u00fdv\u00e1 nejednou, ne\u017e … ","datePublished":"2019-08-04","dateModified":"2023-05-26","author":{"@type":"Person","@id":"https:\/\/www.phgia.cz\/author\/#Person","name":"","url":"https:\/\/www.phgia.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4860d213c5bedfa07ff2b166ff7b069759f9dbf79eae813578c75f9f8cb939b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"phgia.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.phgia.cz\/wp-content\/uploads\/img_a358949_w1909_t1573138502.png","url":"https:\/\/www.phgia.cz\/wp-content\/uploads\/img_a358949_w1909_t1573138502.png","height":0,"width":0},"url":"https:\/\/www.phgia.cz\/i-soukromnici-si-pujcuji\/","about":["Ekonomika"],"wordCount":441,"articleBody":"      Pokud se soukrom\u00e9mu podnikateli nevede, odn\u00e1\u0161\u00ed to nejen on s\u00e1m, ale i cel\u00fd jeho podnik. V \u010dem\u017e je situace dost mo\u017en\u00e1 je\u0161t\u011b daleko hor\u0161\u00ed ne\u017e u nepodnikaj\u00edc\u00edch lid\u00ed, proto\u017ee takov\u00fd podnikatel pochopiteln\u011b nenese odpov\u011bdnost jenom za sebe, ale i za v\u0161e, co souvis\u00ed s jeho firmou. A kdy\u017e dos\u00e1hnou probl\u00e9my dostate\u010dn\u00e9 velikosti, nezb\u00fdv\u00e1 nejednou, ne\u017e si na provoz takov\u00e9ho podniku pen\u00edze p\u016fj\u010dit.Ov\u0161em ono to nen\u00ed zase a\u017e tak jednoduch\u00e9, jak by se mohlo neznal\u00e9mu \u010dlov\u011bku zd\u00e1t. Proto\u017ee cht\u00edt si p\u016fj\u010dit je jedna v\u011bc, ale z\u00edskat n\u011bjakou p\u016fj\u010dku, to u\u017e je o pozn\u00e1n\u00ed slo\u017eit\u011bj\u0161\u00ed. Zejm\u00e9na pr\u00e1v\u011b v p\u0159\u00edpad\u011b podnikatel\u016f, kte\u0159\u00ed v\u011bz\u00ed a\u017e po u\u0161i v probl\u00e9mech.Jakmile n\u011bkdo takov\u00fd uk\u00e1\u017ee jen velice skromn\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, jakmile tento mus\u00ed vyrukovat s jen n\u00edzk\u00fdmi p\u0159\u00edjmy nebo vyt\u00e1hnout na sv\u011btlo n\u011bjak\u00fd ten z\u00e1znam v registrech dlu\u017en\u00edk\u016f a podobn\u011b, ztrat\u00ed o n\u011bj banky z\u00e1jem. Takov\u00fd \u017eadatel je toti\u017e pova\u017eov\u00e1n za rizikov\u00e9ho, nespl\u0148uje po\u017eadavky, je\u017e jsou v t\u011bchto finan\u010dn\u00edch instituc\u00edch na z\u00e1jemce o p\u016fj\u010dku kladeny, a proto nem\u00e1 nad\u011bji na \u00fasp\u011bch.A co potom?Potom jsou nejednou t\u00edm jedin\u00fdm dostupn\u00fdm \u0159e\u0161en\u00edm nebankovn\u00ed hypot\u00e9ky bez registru.V p\u0159\u00edpad\u011b tohoto typu p\u016fj\u010dek toti\u017e v\u00fd\u0161e zm\u00edn\u011bn\u00e1 negativa nemus\u00ed hr\u00e1t z\u00e1sadn\u00ed roli, nad mnoh\u00fdmi z nedostatk\u016f \u017eadatel\u016f lze p\u0159imhou\u0159it oko. Proto\u017ee hypot\u00e9ky funguj\u00ed odli\u0161n\u011b.Zde je nezbytn\u00e9 d\u00e1t v prvn\u00ed \u0159ad\u011b do z\u00e1stavy n\u011bjakou nemovitost, slou\u017e\u00edc\u00ed jako garance toho, \u017ee v\u0161e bude \u0159\u00e1dn\u011b vr\u00e1ceno. A kdo takovou nemovitost nab\u00eddnout m\u016f\u017ee, m\u00e1 tolik pot\u0159ebn\u00e9 pen\u00edze, tedy pades\u00e1t a\u017e sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny, t\u00e9m\u011b\u0159 na dosah ruky. Pak u\u017e toti\u017e sta\u010d\u00ed jenom prok\u00e1zat, \u017ee je doty\u010dn\u00fd schopen ze sv\u00fdch p\u0159\u00edjm\u016f hradit alespo\u0148 ty nejni\u017e\u0161\u00ed mo\u017en\u00e9 spl\u00e1tky, a v\u0161e ostatn\u00ed je podru\u017en\u00e9.A proto takov\u00fd podnikatel m\u00ed\u0159\u00ed nejednou pr\u00e1v\u011b za touto p\u016fj\u010dkou. Nemus\u00ed tu nic platit p\u0159edem, doba spl\u00e1cen\u00ed a v\u00fd\u0161e spl\u00e1tek se daj\u00ed flexibiln\u011b p\u0159izp\u016fsobit pot\u0159eb\u00e1m, \u00faroky jsou p\u0159ijateln\u00e9, nehroz\u00ed tu \u017e\u00e1dn\u00e9 h\u00e1\u010dky,\u2026 A co by si mohl podnikatel v nouzi p\u0159\u00e1t v\u00edce, \u017ee?                                                                                                                                                                                                                                                                                                                                                                                          4.7\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"I soukromn\u00edci si p\u016fj\u010duj\u00ed","item":"https:\/\/www.phgia.cz\/i-soukromnici-si-pujcuji\/#breadcrumbitem"}]}]