[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.csha.cz\/pujcka-se-nekdy-hodi\/#Article","mainEntityOfPage":"https:\/\/www.csha.cz\/pujcka-se-nekdy-hodi\/","headline":"P\u016fj\u010dka se n\u011bkdy hod\u00ed","name":"P\u016fj\u010dka se n\u011bkdy hod\u00ed","description":"T\u011b\u017eko byste na\u0161li podnikatele, kter\u00fd by se nehnal za pen\u011bzi a netou\u017eil jich m\u00edt co nejv\u00edc. Proto\u017ee je toto po\u010d\u00edn\u00e1n\u00ed naprosto logick\u00e9. Podnikatel\u00e9 mus\u00ed z … ","datePublished":"2025-09-01","dateModified":"2025-09-01","author":{"@type":"Person","@id":"https:\/\/www.csha.cz\/author\/#Person","name":"","url":"https:\/\/www.csha.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93f351f97d5e20a41105810347d62b8b573eebe9313df1f71432877ed17f5f1a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"csha.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.csha.cz\/wp-content\/uploads\/pppp_10_10_10_10_10_10_10_6.jpg","url":"https:\/\/www.csha.cz\/wp-content\/uploads\/pppp_10_10_10_10_10_10_10_6.jpg","height":0,"width":0},"url":"https:\/\/www.csha.cz\/pujcka-se-nekdy-hodi\/","about":["Finance"],"wordCount":417,"articleBody":"          T\u011b\u017eko byste na\u0161li podnikatele, kter\u00fd by se nehnal za pen\u011bzi a netou\u017eil jich m\u00edt co nejv\u00edc. Proto\u017ee je toto po\u010d\u00edn\u00e1n\u00ed naprosto logick\u00e9. Podnikatel\u00e9 mus\u00ed z n\u011b\u010deho \u017e\u00edt a mus\u00ed m\u00edt prost\u0159edky na investice do sv\u00fdch podnikatelsk\u00fdch aktivit, a kdyby se jim neda\u0159ilo dost vyd\u011bl\u00e1vat, nem\u011bli by sv\u00e9 jist\u00e9 a mo\u017en\u00e1 by se ani neu\u017eivili, ani neudr\u017eeli sv\u00e9 firmy v provozu. Podnikatel\u00e9 se tedy sna\u017e\u00ed st\u016fj co st\u016fj dost vyd\u011bl\u00e1vat. A pokud si dost nebo je\u0161t\u011b l\u00e9pe v\u00edc ne\u017e dost vyd\u011bl\u00e1vaj\u00ed, c\u00edt\u00ed se dob\u0159e. Ale ne ka\u017ed\u00fd za\u017e\u00edv\u00e1 jenom takov\u00e9 p\u0159\u00edjemn\u00e9 pocity. Jsou i situace, kdy podnikatel\u00e9 sice o ziskovost usiluj\u00ed, ale prost\u011b jim to nevych\u00e1z\u00ed. A kdy\u017e nemaj\u00ed tolik pen\u011bz, kolik by jich pot\u0159ebovali, mus\u00ed hledat pomoc u n\u011bkoho jin\u00e9ho. A to pochopiteln\u011b ne u st\u00e1tu, kter\u00fd sice s oblibou p\u0159ij\u00edm\u00e1 od podnikatel\u016f dan\u011b, ale s t\u011bmi ne\u00fasp\u011b\u0161n\u00fdmi nechce m\u00edt nic do \u010din\u011bn\u00ed. Kdy\u017e podnikatel\u00e9 pot\u0159ebuj\u00ed v ekonomick\u00e9 t\u00edsni pomoc, mohou ji hledat obvykle jenom ve finan\u010dn\u00edch \u00fastavech, a to v podob\u011b p\u016fj\u010dky. Ale jakkoliv tu takov\u00e9 mo\u017enosti jsou, ne v\u017edy na n\u011b takov\u00ed lid\u00e9 dos\u00e1hnou. Proto\u017ee se tu vy\u017eaduj\u00ed z\u00e1ruky, \u017ee budou p\u016fj\u010den\u00e9 pen\u00edze vr\u00e1ceny, a takov\u00e9 z\u00e1ruky jen tak n\u011bkdo nab\u00eddnout nedok\u00e1\u017ee. Copak mohou podnikatel\u00e9 s mal\u00fdmi p\u0159\u00edjmy nebo dokonce prod\u011bl\u00e1vaj\u00edc\u00ed dolo\u017eit, \u017ee budou m\u00edt dost pen\u011bz na \u00fahradu spl\u00e1tek? Nemohou, jasn\u011b. A kdy\u017e jsou tu nav\u00edc i n\u011bjak\u00e9 nep\u0159\u00edjemn\u00e9 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, je to je\u0161t\u011b hor\u0161\u00ed. A tak je i sh\u00e1n\u011bn\u00ed p\u016fj\u010dky pro podnikatele \u010dasto n\u00e1ro\u010dn\u00fd \u00fakol. Ale na\u0161t\u011bst\u00ed je to \u00fakol zvl\u00e1dnuteln\u00fd. I kdy\u017e podnikateli nep\u016fj\u010d\u00ed v bance, je tu p\u0159ece i nebankovn\u00ed spole\u010dnost a jej\u00ed hypot\u00e9ka. A nebankovn\u00ed hypot\u00e9ky se daj\u00ed sehnat daleko sn\u00e1ze ne\u017e bankovn\u00ed p\u016fj\u010dky. Podnikatel prost\u011b zaru\u010d\u00ed spl\u00e1cen\u00ed svoj\u00ed nemovitost\u00ed, a kdy\u017e m\u00e1 z \u010deho spl\u00e1cet, je nebankovn\u00ed hypot\u00e9ka jeho. A s pomoc\u00ed nebankovn\u00ed hypot\u00e9ky Americk\u00e1 nebankovn\u00ed hypot\u00e9ka si porad\u00ed i s tou nejzapeklit\u011bj\u0161\u00ed finan\u010dn\u00ed t\u00edsn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka se n\u011bkdy hod\u00ed","item":"https:\/\/www.csha.cz\/pujcka-se-nekdy-hodi\/#breadcrumbitem"}]}]