[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.clickmag.cz\/kde-sezene-podnikatel-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.clickmag.cz\/kde-sezene-podnikatel-pujcku\/","headline":"Kde se\u017eene podnikatel p\u016fj\u010dku?","name":"Kde se\u017eene podnikatel p\u016fj\u010dku?","description":"Mohlo by se klidn\u011b zd\u00e1t, \u017ee soukrom\u00fd podnikatel se\u017eene kdekoliv jakoukoliv p\u016fj\u010dku. \u017de si prost\u011b zajde dejme tomu do banky, tam podep\u00ed\u0161e smlouvu a odnese si tolik pen\u011bz, kolik jich<strong>&hellip;<\/strong>","datePublished":"2019-10-27","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.clickmag.cz\/author\/#Person","name":"","url":"https:\/\/www.clickmag.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0dc285cbe86eecc8073f119fcb2e2c7032b51533f5bb47611c7d4a598558b8b7?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"clickmag.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.clickmag.cz\/wp-content\/uploads\/img_a367021_w1790_t1579441455.jpg","url":"https:\/\/www.clickmag.cz\/wp-content\/uploads\/img_a367021_w1790_t1579441455.jpg","height":0,"width":0},"url":"https:\/\/www.clickmag.cz\/kde-sezene-podnikatel-pujcku\/","about":["Pen\u00edze"],"wordCount":464,"articleBody":"         Mohlo by se klidn\u011b zd\u00e1t, \u017ee soukrom\u00fd podnikatel se\u017eene kdekoliv jakoukoliv p\u016fj\u010dku. \u017de si prost\u011b zajde dejme tomu do banky, tam podep\u00ed\u0161e smlouvu a odnese si tolik pen\u011bz, kolik jich pot\u0159ebuje. Podnikatel\u00e9 jsou p\u0159ece podle n\u00e1zoru mnoh\u00fdch lid\u00ed t\u011bmi, jim\u017e se pen\u00edze jenom hrnou, a proto by pro n\u011b nem\u011blo b\u00fdt probl\u00e9mem takovou p\u016fj\u010dku pohodln\u011b splatit. Ov\u0161em realita je nejednou docela jin\u00e1. Podnikatel\u00e9 na tom nejednou ani zdaleka tak dob\u0159e neb\u00fdvaj\u00ed, a proto to nen\u00ed tak jednoduch\u00e9 ani s p\u016fj\u010dkami. Podnik\u00e1n\u00ed toti\u017e neznamen\u00e1 jenom ob\u0159\u00ed zisky, ale tak\u00e9 povinnost platit to \u010di ono a doufat, \u017ee se to d\u00edky platb\u00e1m od odb\u011bratel\u016f nejen vr\u00e1t\u00ed, ale i vyplat\u00ed. A je mnoho toho, co se tu m\u016f\u017ee pokazit.  Nejeden podnikatel tak obch\u00e1z\u00ed finan\u010dn\u00ed instituce nikoliv ve snaze p\u016fj\u010dit si pen\u00edze na blahobytn\u011bj\u0161\u00ed \u017eivot, ale kv\u016fli tomu, aby svoji firmu v\u016fbec udr\u017eel nad vodou, aby mohl zaplatit to, na co se mu moment\u00e1ln\u011b nepoda\u0159ilo vyd\u011blat. N\u011bkdy je t\u0159eba p\u016fj\u010dit si na investice do modernizace nebo roz\u0161i\u0159ov\u00e1n\u00ed v\u00fdroby, n\u011bkdy ale t\u0159eba i jenom na to, aby bylo z \u010deho zaplatit to, co si \u017e\u00e1d\u00e1 finan\u010dn\u00ed \u00fa\u0159ad, zdravotn\u00ed poji\u0161\u0165ovna, soci\u00e1lka, dodavatel a dal\u0161\u00ed, p\u0159\u00edpadn\u011b aby bylo dokonce z \u010deho vyplatit mzdy a za co j\u00edst. A kdy\u017e je podnikatel v takto zoufal\u00e9 situaci, d\u00e1vaj\u00ed od n\u011bj mnoz\u00ed poskytovatel\u00e9 p\u016fj\u010dek ruce pry\u010d. P\u016fj\u010dit mu by toti\u017e mohlo b\u00fdt potenci\u00e1ln\u011b riskantn\u00ed. V\u017edy\u0165 jak bude vracet p\u016fj\u010den\u00e9 prost\u0159edky ten, kdo m\u00e1 jenom n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, kdo m\u00e1 z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, hroz\u00ed mu exekuce, a co j\u00e1 v\u00edm, co v\u0161echno je\u0161t\u011b? A riskovat ztr\u00e1tu pen\u011bz se \u017e\u00e1dn\u00e9 finan\u010dn\u00ed instituci nechce. A je dob\u0159e, \u017ee existuj\u00ed poskytovatel\u00e9, kte\u0159\u00ed p\u0159esto doty\u010dn\u00e9mu p\u016fj\u010d\u00ed. Samoz\u0159ejm\u011b se ani zde nejedn\u00e1 o ekonomick\u00e9 sebevrahy, i tito cht\u011bj\u00ed jistotu, \u017ee jim bude v\u0161e vr\u00e1ceno, ale vol\u00ed takovou pojistku, je\u017e z\u00edsk\u00e1n\u00ed p\u016fj\u010dky podnikateli neznemo\u017e\u0148uje.  Takov\u00e1 nebankovn\u00ed hypot\u00e9ka je toho uk\u00e1zkov\u00fdm p\u0159\u00edkladem. Zde se p\u016fj\u010dky do\u010dk\u00e1 ka\u017ed\u00fd, kdo se za jej\u00ed vr\u00e1cen\u00ed zaru\u010d\u00ed t\u00edm, \u017ee d\u00e1 do z\u00e1stavy vlastn\u00ed nemovitost, a kdo prok\u00e1\u017ee, \u017ee m\u00e1 z \u010deho spl\u00e1cet. A poskytovatel m\u00e1 r\u00e1zem sv\u00e9 jist\u00e9 a pom\u016f\u017ee klidn\u011b i tomu nejh\u016f\u0159 vypadaj\u00edc\u00edmu podnikateli. A tak to m\u00e1 b\u00fdt.                                                                                                                                                                                                                                                                                                                                                                                          3.9\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde se\u017eene podnikatel p\u016fj\u010dku?","item":"https:\/\/www.clickmag.cz\/kde-sezene-podnikatel-pujcku\/#breadcrumbitem"}]}]