[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.chts.cz\/pujcky-se-neposkytuji-automaticky\/#Article","mainEntityOfPage":"https:\/\/www.chts.cz\/pujcky-se-neposkytuji-automaticky\/","headline":"P\u016fj\u010dky se neposkytuj\u00ed automaticky","name":"P\u016fj\u010dky se neposkytuj\u00ed automaticky","description":"Kdy\u017e se soukrom\u00fdm podnikatel\u016fm neda\u0159\u00ed, projevuje se to na jejich finan\u010dn\u00ed situaci. A to je hodn\u011b nep\u0159\u00edjemn\u00e9. Pen\u00edze jsou p\u0159ece to, co pot\u0159ebujeme v\u0161ichni, a pokud je zrovna takov\u00ed podnikatel\u00e9 nemaj\u00ed, p\u0159edstavuje to z\u00e1sadn\u00ed probl\u00e9m. Proto\u017ee co nemohou takov\u00ed soukromn\u00edci, kdy\u017e nemaj\u00ed pen\u011bz dost? Nemohou v\u00e9st norm\u00e1ln\u00ed \u017eivot, stejn\u011b jako […]","datePublished":"2025-09-06","dateModified":"2025-09-06","author":{"@type":"Person","@id":"https:\/\/www.chts.cz\/author\/#Person","name":"","url":"https:\/\/www.chts.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b74f056f0354b8ee50fcd0e6106aa964423477cb93024726458fce7ffd63d5d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"chts.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.chts.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppp_10_10_1.jpg","url":"https:\/\/www.chts.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppp_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.chts.cz\/pujcky-se-neposkytuji-automaticky\/","about":["Pen\u00edze"],"wordCount":395,"articleBody":"      Kdy\u017e se soukrom\u00fdm podnikatel\u016fm neda\u0159\u00ed, projevuje se to na jejich finan\u010dn\u00ed situaci. A to je hodn\u011b nep\u0159\u00edjemn\u00e9. Pen\u00edze jsou p\u0159ece to, co pot\u0159ebujeme v\u0161ichni, a pokud je zrovna takov\u00ed podnikatel\u00e9 nemaj\u00ed, p\u0159edstavuje to z\u00e1sadn\u00ed probl\u00e9m. Proto\u017ee co nemohou takov\u00ed soukromn\u00edci, kdy\u017e nemaj\u00ed pen\u011bz dost?Nemohou v\u00e9st norm\u00e1ln\u00ed \u017eivot, stejn\u011b jako kdokoliv jin\u00fd z n\u00e1s lid\u00ed, kte\u0159\u00ed si mus\u00edme kupovat skoro v\u0161e, co je k \u017eivotu pot\u0159eba.A nemohou \u010dasto ani norm\u00e1ln\u011b pracovat. Proto\u017ee jsou i jejich podniky z\u00e1visl\u00e9 na n\u011bjak\u00e9m tom financov\u00e1n\u00ed, i do t\u011bch se mus\u00ed pen\u00edze vkl\u00e1dat, aby norm\u00e1ln\u011b fungovaly. A kdy\u017e se bez pen\u011bz za\u010dne komplikovat pr\u00e1ce, a nakonec tu u\u017e nefunguje t\u0159eba v\u016fbec nic, je to zl\u00e9.K podnik\u00e1n\u00ed je prost\u011b pot\u0159eba m\u00edt pen\u00edze. A kdy\u017e t\u011bchto nen\u00ed dost, nezb\u00fdv\u00e1 jin\u00e1 mo\u017enost, ne\u017e si je aspo\u0148 od n\u011bkoho p\u016fj\u010dit. Co\u017e nevypad\u00e1 nijak slo\u017eit\u011b, proto\u017ee ur\u010dit\u011b v\u00edd\u00e1te celou \u0159adu nab\u00eddek p\u016fj\u010dek, kter\u00e9 jsou nab\u00edzeny kdekomu. Ale ve skute\u010dnosti to \u010dasto slo\u017eit\u00e9 b\u00fdv\u00e1. Proto\u017ee co se \u010dasto stane, kdy\u017e majitel n\u011bjak\u00e9 firmy po\u017e\u00e1d\u00e1 o podnikatelskou p\u016fj\u010dku? \u010casto dojde k tomu, \u017ee je odm\u00edtnut.Pro\u010d podnikatel\u016fm odm\u00edtaj\u00ed poskytovat p\u016fj\u010dky v bank\u00e1ch? Zpravidla proto, \u017ee takov\u00ed \u017eadatel\u00e9 nemaj\u00ed co nab\u00eddnout jako z\u00e1ruku spl\u00e1cen\u00ed. A kdy\u017e panuj\u00ed pochybnosti o tom, jestli by se bance jej\u00ed pen\u00edze vr\u00e1tily, rad\u0161i se \u017e\u00e1dost podnikatele o p\u016fj\u010dku zam\u00edtne. Je to snadn\u00e9 a je to jistota.A podnikatel\u00e9? Ti mohou b\u00e1t nakonec r\u00e1di, \u017ee dostanou nebankovn\u00ed hypot\u00e9ku. Proto\u017ee tu na\u0161t\u011bst\u00ed dostane kdekdo. Proto\u017ee u n\u00ed tolik nevad\u00ed, kolik m\u00e1 kter\u00fd podnikatel probl\u00e9m\u016f. Hlavn\u00ed je, \u017ee doty\u010dn\u00fd ru\u010d\u00ed nemovitost\u00ed, kter\u00e1 by se zpen\u011b\u017eila a uhradila dluh, kdyby onen podnikatel nakonec tuto p\u016fj\u010dku nesplatil.Co\u017e je p\u0159ece rozumn\u00e9 \u0159e\u0161en\u00ed. Podnikatel p\u016fj\u010dku dostane a je na n\u011bm, aby ji spl\u00e1cel. Nebankovn\u00ed spole\u010dnost nic neriskuje. A proto se americk\u00e1 hypot\u00e9ka bez registru FAHD hod\u00ed tolika lidem.                                                                                                                                                                                                                                                                                                                                                                                          2.7\/5 - (4 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dky se neposkytuj\u00ed automaticky","item":"https:\/\/www.chts.cz\/pujcky-se-neposkytuji-automaticky\/#breadcrumbitem"}]}]