[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.aacs.cz\/kde-brat-penize\/#Article","mainEntityOfPage":"https:\/\/www.aacs.cz\/kde-brat-penize\/","headline":"Kde br\u00e1t pen\u00edze?","name":"Kde br\u00e1t pen\u00edze?","description":"Kdy\u017e se po\u010dne soukrom\u00fd podnikatel pot\u00fdkat s finan\u010dn\u00edmi t\u011b\u017ekostmi, m\u00e1 to vskutku slo\u017eit\u00e9. Proto\u017ee v takov\u00e9m podnik\u00e1n\u00ed je ka\u017ed\u00fd s\u00e1m sv\u00e9ho \u0161t\u011bst\u00ed str\u016fjcem, a doty\u010dn\u00fd … ","datePublished":"2020-10-24","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.aacs.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.aacs.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e0a4ee3123bc6cda06472cb29cefd2abfa18c894e6c63b3d8bc84df8da10f637?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"aacs.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.aacs.cz\/wp-content\/uploads\/art390668_3x2_20260816_044806_S85VK3.jpg","url":"https:\/\/www.aacs.cz\/wp-content\/uploads\/art390668_3x2_20260816_044806_S85VK3.jpg","height":0,"width":0},"url":"https:\/\/www.aacs.cz\/kde-brat-penize\/","about":["Finance"],"wordCount":417,"articleBody":"        Kdy\u017e se po\u010dne soukrom\u00fd podnikatel pot\u00fdkat s finan\u010dn\u00edmi t\u011b\u017ekostmi, m\u00e1 to vskutku slo\u017eit\u00e9. Proto\u017ee v takov\u00e9m podnik\u00e1n\u00ed je ka\u017ed\u00fd s\u00e1m sv\u00e9ho \u0161t\u011bst\u00ed str\u016fjcem, a doty\u010dn\u00fd tak nem\u016f\u017ee spol\u00e9hat na to, \u017ee mu st\u00e1t nebo kdokoliv jin\u00fd v m\u017eiku p\u0159isp\u011bch\u00e1 na pomoc. Podnikatel je na to s\u00e1m, a kdyby se mu nepoda\u0159ilo nal\u00e9zt \u0159e\u0161en\u00ed, \u0161patn\u011b to s n\u00edm dopadne. Jen\u017ee jak to doty\u010dn\u00fd m\u016f\u017ee \u0159e\u0161it s\u00e1m, \u017ee? Kde m\u00e1 vz\u00edt sch\u00e1zej\u00edc\u00ed pen\u00edze, kdy\u017e mu tyto sch\u00e1zej\u00ed? Jak si m\u00e1 vyd\u011blat, pokud mu jeho \u017eivnost zrovna nevyn\u00e1\u0161\u00ed? T\u011b\u017eko. Jinak ne\u017e s pomoc\u00ed p\u016fj\u010dky se takov\u00e1 situace zkr\u00e1tka zvl\u00e1dnout ned\u00e1. Jen\u017ee \u017e\u00e1dat o tuto formu pomoci v bance je ve chv\u00edli, kdy je n\u011bkdo v \u00fazk\u00fdch, hloupost. Proto\u017ee v bank\u00e1ch se \u0159\u00edd\u00ed \u00fa\u0159edn\u00edci p\u0159\u00edsn\u00fdmi pravidly a \u017eadateli, kter\u00fd nedosahuje n\u00e1le\u017eit\u00fdch kvalit, tak jeho \u017e\u00e1dost o p\u016fj\u010dku nemilosrdn\u011b zam\u00edtnou. Ov\u0161em na\u0161t\u011bst\u00ed tu nejsou jenom banky, n\u00fdbr\u017e i hypot\u00e9ky bez registru a tyto poskytuj\u00edc\u00ed nebankovn\u00ed spole\u010dnosti. A pokud je \u0159e\u010d o t\u011bchto hypot\u00e9k\u00e1ch, pak se daj\u00ed tyto charakterizovat jako p\u016fj\u010dky, kter\u00e9 jsou na rozd\u00edl od bankovn\u00edch alternativ dostupn\u00e9 snadno a rychle leckomu, \u017eadatele s hodn\u011b velk\u00fdmi probl\u00e9my nevyj\u00edmaje. Pro\u010d tomu tak je? Jednak proto, \u017ee si nebankovn\u00ed spole\u010dnosti mohou dovolit flexibilitu, kter\u00e1 nen\u00ed bank\u00e1m vlastn\u00ed, jednak ale i proto, \u017ee se zde jako u ka\u017ed\u00e9 jin\u00e9 hypot\u00e9ky zaru\u010duje \u010dlov\u011bk za \u0159\u00e1dn\u00e9 spl\u00e1cen\u00ed z\u00e1stavou nemovitosti. A proto\u017ee o tuto logicky nechce p\u0159ij\u00edt, t\u0159eba i proto, \u017ee se tu p\u016fj\u010duje jenom polovina a\u017e sedmdes\u00e1t procent jej\u00ed odhadn\u00ed ceny a byl by to tedy jednozna\u010dn\u011b nev\u00fdhodn\u00fd po\u010din.  A tak si tu \u010dlov\u011bk m\u016f\u017ee pohodln\u011b za\u017e\u00e1dat a rychle a bez zbyte\u010dn\u00e9ho prov\u011b\u0159ov\u00e1n\u00ed a pap\u00edrov\u00e1n\u00ed tu dostane sv\u00e9. Pen\u00edze ur\u010den\u00e9 k z\u00e1chran\u011b jeho podnik\u00e1n\u00ed, je\u017e m\u016f\u017ee n\u00e1sledn\u011b spl\u00e1cet kr\u00e1tkou i dlouhou dobu po snadno zvladateln\u00fdch spl\u00e1tk\u00e1ch. A tak se d\u00e1 podnik\u00e1n\u00ed zachr\u00e1nit, ani\u017e by si t\u00edm doty\u010dn\u00fd podnikatel citeln\u011b zkomplikoval \u017eivot.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde br\u00e1t pen\u00edze?","item":"https:\/\/www.aacs.cz\/kde-brat-penize\/#breadcrumbitem"}]}]