[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.terop.cz\/nekdy-je-potreba-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.terop.cz\/nekdy-je-potreba-pujcka\/","headline":"N\u011bkdy je pot\u0159eba p\u016fj\u010dka","name":"N\u011bkdy je pot\u0159eba p\u016fj\u010dka","description":"Na rozd\u00edl od zam\u011bstnanc\u016f nemaj\u00ed soukrom\u00ed podnikatel\u00e9 sv\u016fj smluvn\u011b dan\u00fd plat. A to pro n\u011b p\u0159edstavuje potenci\u00e1ln\u011b jak v\u00fdhodu, tak i nev\u00fdhodu. Kdy\u017e se jim da\u0159\u00ed, mohou si d\u00edky t\u00e9to skute\u010dnosti p\u0159ij\u00edt na daleko v\u011bt\u0161\u00ed pen\u00edze, ne\u017e kolik by jich dostali v zam\u011bstn\u00e1n\u00ed, kde je v\u0161e dop\u0159edu dan\u00e9, ov\u0161em kdy\u017e se podnik\u00e1n\u00ed neda\u0159\u00ed, m\u016f\u017ee doj\u00edt...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.terop.cz\/nekdy-je-potreba-pujcka\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;N\u011bkdy je pot\u0159eba p\u016fj\u010dka&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2023-04-22","dateModified":"2023-04-22","author":{"@type":"Person","@id":"https:\/\/www.terop.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.terop.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f14f9548cfce1bfc4b3267434069a757db9568e455121a8852ede019c83b3b5e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"terop.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.terop.cz\/wp-content\/uploads\/credit-card-1104961_960_720.jpg","url":"https:\/\/www.terop.cz\/wp-content\/uploads\/credit-card-1104961_960_720.jpg","height":0,"width":0},"url":"https:\/\/www.terop.cz\/nekdy-je-potreba-pujcka\/","about":["Ekonomika"],"wordCount":419,"articleBody":"       Na rozd\u00edl od zam\u011bstnanc\u016f nemaj\u00ed soukrom\u00ed podnikatel\u00e9 sv\u016fj smluvn\u011b dan\u00fd plat. A to pro n\u011b p\u0159edstavuje potenci\u00e1ln\u011b jak v\u00fdhodu, tak i nev\u00fdhodu. Kdy\u017e se jim da\u0159\u00ed, mohou si d\u00edky t\u00e9to skute\u010dnosti p\u0159ij\u00edt na daleko v\u011bt\u0161\u00ed pen\u00edze, ne\u017e kolik by jich dostali v zam\u011bstn\u00e1n\u00ed, kde je v\u0161e dop\u0159edu dan\u00e9, ov\u0161em kdy\u017e se podnik\u00e1n\u00ed neda\u0159\u00ed, m\u016f\u017ee doj\u00edt i k tomu, \u017ee si soukromn\u00edk nevyd\u011bl\u00e1 zhola nic a mohou dokonce i vzniknout s jeho podnik\u00e1n\u00edm souvisej\u00edc\u00ed dluhy, kter\u00e9 mus\u00ed financovat.Kter\u00e1 z t\u011bchto situac\u00ed p\u0159eva\u017euje? To je u r\u016fzn\u00fdch podnikatel\u016f r\u016fzn\u00e9, nelze zev\u0161eobec\u0148ovat. A d\u00e1 se jedin\u011b konstatovat, \u017ee zat\u00edmco dostate\u010dn\u00e9 zisky si mus\u00ed podnikatel\u00e9 zaslou\u017eit, do probl\u00e9m\u016f se dostanou daleko sn\u00e1ze a t\u0159eba i bez vlastn\u00edho p\u0159i\u010din\u011bn\u00ed. Ale z takov\u00fdch probl\u00e9m\u016f u\u017e se pak mus\u00ed dostat ka\u017ed\u00fd podnikatel s\u00e1m.A jak se \u0159e\u0161\u00ed situace, kdy si podnikatel nevyd\u011bl\u00e1 dost na to, aby mohl \u017e\u00edt a d\u00e1l pracovat, p\u0159\u00edpadn\u011b kdy\u017e si sv\u00fdm podnik\u00e1n\u00edm nad\u011blal dluhy? Pokud n\u011bkdo takov\u00fd nechce zkrachovat, mus\u00ed si \u010dasto n\u011bkde vz\u00edt p\u016fj\u010dku, aby svou moment\u00e1ln\u00ed finan\u010dn\u00ed situaci vy\u0159e\u0161il.Jen\u017ee s takov\u00fdm sh\u00e1n\u011bn\u00edm p\u016fj\u010dky je to u moment\u00e1ln\u011b ne\u00fasp\u011b\u0161n\u00e9ho podnikatele docela slo\u017eit\u00e9. Nab\u00eddek by sice bylo dost, ale kdy\u017e se objev\u00ed prvn\u00ed n\u00e1znaky pochybnost\u00ed o schopnosti takov\u00e9ho \u017eadatele spl\u00e1cet, ztrat\u00ed v\u011bt\u0161ina poskytovatel\u016f p\u016fj\u010dek z\u00e1jem. Risk by tu nemusel b\u00fdt zisk, tak\u017ee rad\u0161i p\u016fj\u010dku neschv\u00e1l\u00ed, ne\u017e aby ji dali n\u011bkomu, u koho nen\u00ed jist\u00e9 jej\u00ed splacen\u00ed.Ale v jednou lze podobn\u00e9 ne\u00fasp\u011b\u0161n\u00e9 podnikatele ujistit. A to v tom, \u017ee hypot\u00e9ka pro dlu\u017en\u00edky je tu pro n\u011b v\u017edy, kdy\u017e se za ni mohou zaru\u010dit aspo\u0148 z\u00e1stavou svoj\u00ed nemovitosti. A pokud tedy n\u011bjak\u00fd podnikatel aspo\u0148 n\u011bjakou nemovitost k dispozici m\u00e1, m\u016f\u017ee ji pou\u017e\u00edt jako z\u00e1ruku a z\u00edskat od nebankovn\u00ed spole\u010dnosti, kter\u00e1 ji poskytuje, na opl\u00e1tku a\u017e sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny. A pak u\u017e sta\u010d\u00ed jenom probl\u00e9my vy\u0159e\u0161it a p\u016fj\u010den\u00e9 pen\u00edze splatit. Prost\u00e9, \u017ee? A \u00fa\u010dinn\u00e9.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u011bkdy je pot\u0159eba p\u016fj\u010dka","item":"https:\/\/www.terop.cz\/nekdy-je-potreba-pujcka\/#breadcrumbitem"}]}]