[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.certodej.cz\/penize-si-mohou-pujcit-i-podnikatele-s-nizsim-danovym-priznanim\/#Article","mainEntityOfPage":"https:\/\/www.certodej.cz\/penize-si-mohou-pujcit-i-podnikatele-s-nizsim-danovym-priznanim\/","headline":"Pen\u00edze si mohou p\u016fj\u010dit i podnikatel\u00e9 s ni\u017e\u0161\u00edm da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm","name":"Pen\u00edze si mohou p\u016fj\u010dit i podnikatel\u00e9 s ni\u017e\u0161\u00edm da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm","description":"Podnikatel\u016fm se \u010dasto st\u00e1v\u00e1, \u017ee jim banky odm\u00edtaj\u00ed p\u016fj\u010dit tolik pen\u011bz, kolik pot\u0159ebuj\u00ed, nebo\u0165 nemohou vyk\u00e1zat vysok\u00e9 p\u0159\u00edjmy d\u00edky ni\u017e\u0161\u00edmu da\u0148ov\u00e9mu p\u0159izn\u00e1n\u00ed. Jejich \u017e\u00e1dost o hypot\u00e9ku u banky tak zpravidla kon\u010d\u00ed nezdarem. Pravda ov\u0161em je, \u017ee ni\u017e\u0161\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed je\u0161t\u011b nemus\u00ed znamenat n\u00edzk\u00e9 p\u0159\u00edjmy. Pokud tedy takov\u00e1 situace v \u017eivot\u011b nastane a vy podnik\u00e1te, vyd\u011bl\u00e1v\u00e1te, […]","datePublished":"2018-08-12","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.certodej.cz\/author\/#Person","name":"","url":"https:\/\/www.certodej.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/614460c3109f6ef46730ae87c5e2be623f574940fabcec1214dc0d8d5af688cf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"certodej.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.certodej.cz\/wp-content\/uploads\/img_a323219_w2576_t1534967243.jpg","url":"https:\/\/www.certodej.cz\/wp-content\/uploads\/img_a323219_w2576_t1534967243.jpg","height":0,"width":0},"url":"https:\/\/www.certodej.cz\/penize-si-mohou-pujcit-i-podnikatele-s-nizsim-danovym-priznanim\/","about":["Domov"],"wordCount":434,"articleBody":"Podnikatel\u016fm se \u010dasto st\u00e1v\u00e1, \u017ee jim banky odm\u00edtaj\u00ed p\u016fj\u010dit tolik pen\u011bz, kolik pot\u0159ebuj\u00ed, nebo\u0165 nemohou vyk\u00e1zat vysok\u00e9 p\u0159\u00edjmy d\u00edky ni\u017e\u0161\u00edmu da\u0148ov\u00e9mu p\u0159izn\u00e1n\u00ed. Jejich \u017e\u00e1dost o hypot\u00e9ku u banky tak zpravidla kon\u010d\u00ed nezdarem. Pravda ov\u0161em je, \u017ee ni\u017e\u0161\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed je\u0161t\u011b nemus\u00ed znamenat n\u00edzk\u00e9 p\u0159\u00edjmy. Pokud tedy takov\u00e1 situace v \u017eivot\u011b nastane a vy podnik\u00e1te, vyd\u011bl\u00e1v\u00e1te, ale banka v\u00e1m nechce p\u016fj\u010dit, proto\u017ee m\u00e1 pocit, \u017ee v\u00e1\u0161 p\u0159\u00edjem je nedostate\u010dn\u00fd, tak m\u016f\u017eete pot\u0159ebnou p\u016fj\u010dku z\u00edskat je\u0161t\u011b jin\u00fdm zp\u016fsobem \u2013 tak, \u017ee si po\u017e\u00e1d\u00e1te o nebankovn\u00ed p\u016fj\u010dku u nebankovn\u00ed spole\u010dnosti.Nebankovn\u00ed p\u016fj\u010dku si toti\u017e m\u016f\u017eete sjednat i v p\u0159\u00edpad\u011b ni\u017e\u0161\u00edho da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed. Konkr\u00e9tn\u011b se jedn\u00e1 o hypot\u00e9ku bez dolo\u017een\u00ed p\u0159\u00edjmu, kter\u00e1 m\u016f\u017ee b\u00fdt v takov\u00e9 situaci pr\u00e1v\u011b pro v\u00e1s t\u00edm nejlep\u0161\u00edm \u0159e\u0161en\u00edm, kter\u00e9 pr\u00e1v\u011b hled\u00e1te. Nicm\u00e9n\u011b na m\u00edst\u011b je, abyste si to cel\u00e9 dop\u0159edu \u0159\u00e1dn\u011b promysleli, a p\u0159edev\u0161\u00edm d\u016fkladn\u011b spo\u010d\u00edtali. Jist\u00fdm rizikem jsou toti\u017e vy\u0161\u0161\u00ed \u00faroky, kter\u00e9 nebankovn\u00ed spole\u010dnosti na sv\u00e9 p\u016fj\u010dky uvaluj\u00ed. Ne\u010dekejte proto, \u017ee byste z\u00edskali p\u016fj\u010dku s tak v\u00fdhodn\u00fdm \u00farokem jako v bance, by\u0165 ani ten u\u017e nen\u00ed zanedbateln\u00fd. V p\u0159\u00edpad\u011b hypot\u00e9ky bez dolo\u017een\u00ed p\u0159\u00edjmu se bude \u00farok pohybovat n\u011bkde okolo sedmi procent, co\u017e rozhodn\u011b nen\u00ed zanedbateln\u00e9 \u010d\u00edslo a m\u011bli byste s takovou v\u00fd\u0161\u00ed spl\u00e1tek dop\u0159edu po\u010d\u00edtat.Naopak v\u00fdhodou pro v\u00e1s m\u016f\u017ee b\u00fdt to, \u017ee si spl\u00e1tky m\u016f\u017eete rozlo\u017eit do opravdu dlouh\u00e9ho obdob\u00ed \u2013 od jednoho roku a\u017e do t\u0159iceti let, kdy budete moci dlu\u017enou \u010d\u00e1stku spl\u00e1cet po velice mal\u00fdch \u010d\u00e1stk\u00e1ch, kter\u00e9 tak neohroz\u00ed chod va\u0161\u00ed firmy \u010di dom\u00e1cnosti. Nutn\u00e9 je ov\u0161em po\u010d\u00edtat s t\u00edm, \u017ee k tomu, abyste takovou nebankovn\u00ed hypot\u00e9ku bez p\u0159\u00edjmu mohli v\u016fbec z\u00edskat, tak pot\u0159ebujete m\u00edt k dispozici nemovitost, kter\u00e1 bude svou hodnotou odpov\u00eddat \u010d\u00e1stce, na jakou pom\u00fd\u0161l\u00edte. Konkr\u00e9tn\u011b m\u016f\u017eete z\u00edskat a\u017e sedmdes\u00e1t procent odhadn\u00ed hodnoty nemovitosti, kterou pou\u017eijete jako z\u00e1ruku za svou p\u016fj\u010dku. A dokonce to jde ud\u011blat i tak, \u017ee tato nemovitost ani nemus\u00ed b\u00fdt va\u0161e.                                                                                                                                                                                                                                                                                                                                                                                        4.2\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pen\u00edze si mohou p\u016fj\u010dit i podnikatel\u00e9 s ni\u017e\u0161\u00edm da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm","item":"https:\/\/www.certodej.cz\/penize-si-mohou-pujcit-i-podnikatele-s-nizsim-danovym-priznanim\/#breadcrumbitem"}]}]