[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dipoz.cz\/finance-pro-podnikani\/#Article","mainEntityOfPage":"https:\/\/www.dipoz.cz\/finance-pro-podnikani\/","headline":"Finance pro podnik\u00e1n\u00ed","name":"Finance pro podnik\u00e1n\u00ed","description":"Jist\u011b ka\u017ed\u00fd z n\u00e1s zn\u00e1 bankovn\u00ed instituce. Klasick\u00e9 banky si z\u00edskaly velice brzy sv\u00e9 m\u00edsto na slunci, p\u0159edev\u0161\u00edm d\u00edky tomu, \u017ee se na n\u011b klienti mohli spolehnout, mohli si tam zaj\u00edt a v\u0161echno vy\u0159\u00eddit. Tak\u00e9 jejich slu\u017eby nebyly nikdy zadarmo. Jenom\u017ee doba se m\u011bn\u00ed, internet je k dost\u00e1n\u00ed nejenom v po\u010d\u00edta\u010d\u00edch, ale tak\u00e9 na mobilech […]","datePublished":"2021-11-07","dateModified":"2021-11-07","author":{"@type":"Person","@id":"https:\/\/www.dipoz.cz\/author\/#Person","name":"","url":"https:\/\/www.dipoz.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dipoz.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dipoz.cz\/wp-content\/uploads\/trezor_1.jpg","url":"https:\/\/www.dipoz.cz\/wp-content\/uploads\/trezor_1.jpg","height":0,"width":0},"url":"https:\/\/www.dipoz.cz\/finance-pro-podnikani\/","about":["Pen\u00edze"],"wordCount":421,"articleBody":"   Jist\u011b ka\u017ed\u00fd z n\u00e1s zn\u00e1 bankovn\u00ed instituce. Klasick\u00e9 banky si z\u00edskaly velice brzy sv\u00e9 m\u00edsto na slunci, p\u0159edev\u0161\u00edm d\u00edky tomu, \u017ee se na n\u011b klienti mohli spolehnout, mohli si tam zaj\u00edt a v\u0161echno vy\u0159\u00eddit. Tak\u00e9 jejich slu\u017eby nebyly nikdy zadarmo. Jenom\u017ee doba se m\u011bn\u00ed, internet je k dost\u00e1n\u00ed nejenom v po\u010d\u00edta\u010d\u00edch, ale tak\u00e9 na mobilech a lid\u00e9 cht\u011bj\u00ed v\u0161echno hned a v\u011bt\u0161inou to dostanou. Proto se v posledn\u00edch letech m\u011bn\u00ed i tento syst\u00e9m, m\u00edsto toho, aby se zp\u0159\u00eds\u0148oval, i p\u0159esto, \u017ee n\u011bkter\u00e1 pravidla se mus\u00ed dodr\u017eovat, proto\u017ee jsou p\u0159edeps\u00e1na \u010cNB, si vol\u00ed r\u016fzn\u00e9 spole\u010dnosti r\u016fznou cestu a banky z\u016fstaly tak n\u011bjak samotn\u00fdm \u010dinitelem.M\u00e1te probl\u00e9m a v\u00edte, \u017ee v bance nez\u00edsk\u00e1te pen\u00edze? P\u0159esn\u011b v takov\u00fdch p\u0159\u00edpadech se ocitlo nejenom mnoho lid\u00ed, ale tak\u00e9 mnoho podnikatel\u016f. Co si po\u010d\u00edt? M\u00e1te z\u00e1znam nebo n\u00edzk\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, co\u017e neodpov\u00edd\u00e1 hodnotov\u00fdm tabulk\u00e1m banky a tak v\u00e1s odm\u00edtli? Jak z\u00edskat alespo\u0148 n\u011bjakou p\u016fj\u010dku? A pr\u00e1v\u011b v ten moment vstupuje do hry nebankovn\u00ed sf\u00e9ra. Nebankovn\u00ed spole\u010dnosti poskytuj\u00ed takzvan\u00e9 nebankovn\u00ed hypot\u00e9ky.Pro podnikatele vymysleli r\u016fzn\u00e9 druhy p\u016fj\u010dek a z\u00e1rove\u0148 \u00fav\u011br\u016f. Ten nejzn\u00e1m\u011bj\u0161\u00ed je samoz\u0159ejm\u011b hypot\u00e9ka, kterou si zajist\u00edte t\u00edm, \u017ee d\u00e1te nemovitost do ru\u010den\u00ed. Z n\u00ed z\u00edsk\u00e1te ur\u010dit\u00e1 procenta nap\u0159\u00edklad 50 \u2013 70% z jej\u00ed hodnoty jako p\u016fj\u010dku. Pak u\u017e se jen vypo\u010d\u00edtaj\u00ed spl\u00e1tky a bere se na v\u011bdom\u00ed po\u010det spl\u00e1tek, proto je pot\u0159eba zn\u00e1t dobu splatnosti, kter\u00e1 m\u016f\u017ee b\u00fdt nastaven\u00e1 nejd\u00e9le na 30 let.T\u00edmto zp\u016fsobem funguje americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f Nebankovnihypoteky.Pen\u00edze v\u0161ak podnikatel\u00e9 mohou vyu\u017e\u00edt jak\u00fdmkoliv zp\u016fsobem, ale samoz\u0159ejm\u011b v r\u00e1mci podnik\u00e1n\u00ed. Nesm\u00ed je investovat do soukrom\u00fdch pot\u0159eb, ale pouze do firmy, podnik\u00e1n\u00ed nebo \u017eivnosti.V p\u0159\u00edpad\u011b soukrom\u00fdch spole\u010dnost\u00ed nemus\u00edte ani slo\u017eit\u011b dokl\u00e1dat sv\u00e9 p\u0159\u00edjmy. Toleruj\u00ed i n\u00edzk\u00e1 da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed na konci roku. Pomohou i firm\u00e1m, kter\u00e9 se teprve rozj\u00ed\u017ed\u00ed nebo naopak, kter\u00e9 kon\u010d\u00ed a pot\u0159ebuj\u00ed n\u011bkoho vyplatit.                                                                                                                                                                                                                                                                                                                                                                                          4.5\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finance pro podnik\u00e1n\u00ed","item":"https:\/\/www.dipoz.cz\/finance-pro-podnikani\/#breadcrumbitem"}]}]