[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.spars.cz\/jak-na-financni-tezkosti-podnikatelu\/#Article","mainEntityOfPage":"https:\/\/www.spars.cz\/jak-na-financni-tezkosti-podnikatelu\/","headline":"Jak na finan\u010dn\u00ed t\u011b\u017ekosti podnikatel\u016f","name":"Jak na finan\u010dn\u00ed t\u011b\u017ekosti podnikatel\u016f","description":"Dokud n\u011bkdo podnik\u00e1 dostate\u010dn\u011b v\u00fdnosn\u011b, nem\u016f\u017ee si st\u011b\u017eovat. Nebo tedy m\u016f\u017ee, ov\u0161em ne na pen\u00edze, n\u00fdbr\u017e na n\u011bco jin\u00e9ho. Ov\u0161em…","datePublished":"2022-09-13","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.spars.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.spars.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"spars.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.spars.cz\/wp-content\/uploads\/pen%C4%9B%C5%BEenka%20v%20ruce_3.jpg","url":"https:\/\/www.spars.cz\/wp-content\/uploads\/pen%C4%9B%C5%BEenka%20v%20ruce_3.jpg","height":0,"width":0},"url":"https:\/\/www.spars.cz\/jak-na-financni-tezkosti-podnikatelu\/","about":["Finance"],"wordCount":433,"articleBody":"   Dokud n\u011bkdo podnik\u00e1 dostate\u010dn\u011b v\u00fdnosn\u011b, nem\u016f\u017ee si st\u011b\u017eovat. Nebo tedy m\u016f\u017ee, ov\u0161em ne na pen\u00edze, n\u00fdbr\u017e na n\u011bco jin\u00e9ho. Ov\u0161em ne ka\u017ed\u00fd z podnikatel\u016f m\u00e1 to \u0161t\u011bst\u00ed, \u017ee je na tom pr\u00e1v\u011b takto dob\u0159e. Kolika podobn\u00fdm lidem, podnikatel\u016fm nebo OSV\u010c, se jenom n\u011bkdy stane ta nemil\u00e1 p\u0159\u00edhoda, \u017ee na tom nejsou finan\u010dn\u011b tak dob\u0159e, jak by m\u011bli b\u00fdt! N\u011bkdy si nep\u0159ijdou na dost velk\u00e9 pen\u00edze, n\u011bkdy mus\u00ed st\u016fj co st\u016fj platit v\u00edc, ne\u017e jim to jejich moment\u00e1ln\u00ed situace dovoluje, a pak prost\u011b pen\u00edze ub\u00fdvaj\u00ed a ub\u00fdvaj\u00ed, a\u017e t\u0159eba i dojdou. P\u0159\u00edpadn\u011b se dokonce d\u00e1 dostat pod nulu, tedy do dluh\u016f.Nenajdeme sice soukromn\u00edka, kter\u00fd by se do podobn\u00e9 situace dost\u00e1val r\u00e1d, ale p\u0159esto se do n\u00ed kdekdo dostane. A v relativn\u011b optimistick\u00e9m p\u0159\u00edpad\u011b jenom do\u010dasn\u011b. Jen\u017ee ani do\u010dasn\u00e9 finan\u010dn\u00ed pot\u00ed\u017ee nejsou p\u0159\u00edjemn\u00e9, o t\u011bch dlouhodob\u00fdch nebo dokonce trval\u00fdch u\u017e ani nemluv\u011b. A kdy\u017e to tedy nejde za\u0159\u00eddit jinak, s nasazen\u00edm vlastn\u00edch sil, \u010dasto se bere p\u016fj\u010dka. Aby byly pen\u00edze na zaplacen\u00ed toho d\u016fle\u017eit\u00e9ho i v dob\u011b, kdy nejsou vlastn\u00ed p\u0159\u00edjmy na \u017e\u00e1douc\u00ed v\u00fd\u0161i.P\u016fj\u010dku si m\u016f\u017ee vz\u00edt ka\u017ed\u00fd z podnikaj\u00edc\u00edch lid\u00ed, respektive ka\u017ed\u00e1 firma. Ale m\u00e1 to h\u00e1\u010dek. Ne\u017e n\u011bkdo n\u011bkomu p\u016fj\u010dku d\u00e1, prov\u011b\u0159\u00ed si schopnost potenci\u00e1ln\u00edho dlu\u017en\u00edka spl\u00e1cet. A a\u017e potom mo\u017en\u00e1 n\u011bjak\u00e9 ty pen\u00edze vyplat\u00ed. A mo\u017en\u00e1 tak\u00e9 ne.A jak z\u00edskat jistotu, \u017ee ve finan\u010dn\u00ed t\u00edsni pen\u00edze poskytnuty budou, \u017ee na to podnikatel\u00e9 nez\u016fstanou sami? P\u0159ece tak, \u017ee se zvol\u00ed nebankovn\u00ed hypot\u00e9ka. A sice z toho prost\u00e9ho d\u016fvodu, \u017ee tu m\u016f\u017ee m\u00edt skute\u010dn\u011b mnoh\u00fd ze soukromn\u00edk\u016f, a to dokonce i bez v\u00fdznamn\u011bj\u0161\u00edch komplikac\u00ed. I tady se toti\u017e sice \u017e\u00e1d\u00e1 z\u00e1ruka vr\u00e1cen\u00ed p\u016fj\u010den\u00fdch prost\u0159edk\u016f, ale ta zde vypad\u00e1 tak, \u017ee se d\u00e1 do z\u00e1stavy podnikatelova nemovitost odpov\u00eddaj\u00edc\u00ed ceny. A kdy\u017e podnikatel takovou nemovitost m\u00e1 a je ochoten ji nab\u00eddnout coby z\u00e1ruku, usp\u011bje. Na rozd\u00edl t\u0159eba od bank, kde by mohl lehce ztroskotat t\u0159eba na v\u00fd\u0161i sv\u00fdch p\u0159\u00edjm\u016f nebo registrech dlu\u017en\u00edk\u016f.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak na finan\u010dn\u00ed t\u011b\u017ekosti podnikatel\u016f","item":"https:\/\/www.spars.cz\/jak-na-financni-tezkosti-podnikatelu\/#breadcrumbitem"}]}]