[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.perous.cz\/jdete-si-nekam-pujcit\/#Article","mainEntityOfPage":"https:\/\/www.perous.cz\/jdete-si-nekam-pujcit\/","headline":"Jd\u011bte si n\u011bkam p\u016fj\u010dit","name":"Jd\u011bte si n\u011bkam p\u016fj\u010dit","description":"V\u00edte, jak\u00fd je rozd\u00edl mezi soukrom\u00fdm podnikatelem a \u017eebr\u00e1kem? N\u011bkdy ohromn\u00fd. Ale n\u011bkdy vlastn\u011b v podstat\u011b \u017e\u00e1dn\u00fd. \u017debr\u00e1k je sice v\u017edycky \u017eebr\u00e1kem, ale podnikatel\u00e9 jsou r\u016fzn\u00ed. N\u011bkdy se jim da\u0159\u00ed a pak jsou t\u0159eba i poh\u00e1dkov\u011b bohat\u00ed, ale n\u011bkdy mohou b\u00fdt vlastn\u011b je\u0161t\u011b chud\u0161\u00ed ne\u017e n\u011bkte\u0159\u00ed \u017eebr\u00e1ci. Proto\u017ee se n\u011bkdy nad\u011blaj\u00ed podnik\u00e1n\u00edm takov\u00e9 dluhy, jak\u00e9 […]","datePublished":"2025-05-14","dateModified":"2025-05-14","author":{"@type":"Person","@id":"https:\/\/www.perous.cz\/author\/#Person","name":"","url":"https:\/\/www.perous.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"perous.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.perous.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_2.jpg","url":"https:\/\/www.perous.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.perous.cz\/jdete-si-nekam-pujcit\/","about":["Pen\u00edze"],"wordCount":434,"articleBody":"       V\u00edte, jak\u00fd je rozd\u00edl mezi soukrom\u00fdm podnikatelem a \u017eebr\u00e1kem? N\u011bkdy ohromn\u00fd. Ale n\u011bkdy vlastn\u011b v podstat\u011b \u017e\u00e1dn\u00fd. \u017debr\u00e1k je sice v\u017edycky \u017eebr\u00e1kem, ale podnikatel\u00e9 jsou r\u016fzn\u00ed. N\u011bkdy se jim da\u0159\u00ed a pak jsou t\u0159eba i poh\u00e1dkov\u011b bohat\u00ed, ale n\u011bkdy mohou b\u00fdt vlastn\u011b je\u0161t\u011b chud\u0161\u00ed ne\u017e n\u011bkte\u0159\u00ed \u017eebr\u00e1ci. Proto\u017ee se n\u011bkdy nad\u011blaj\u00ed podnik\u00e1n\u00edm takov\u00e9 dluhy, jak\u00e9 by ani ten nejztracen\u011bj\u0161\u00ed \u017eebr\u00e1k nad\u011blat nedok\u00e1zal. A sta\u010d\u00ed k tomu i jen velice m\u00e1lo.Je ale jasn\u00e9, \u017ee nikdo z lid\u00ed nerozj\u00ed\u017ed\u00ed podnik\u00e1n\u00ed proto, \u017ee by cht\u011bl zkrachovat a skon\u010dit na mizin\u011b na ulici. Nikdo se t\u00edm nechce zruinovat. Naopak \u2013 ka\u017ed\u00fd se vrh\u00e1 na podnik\u00e1n\u00ed hlavn\u011b proto, \u017ee si chce vyd\u011blat v\u00edc, ne\u017e kolik by si vyd\u011blal jako dejme tomu zam\u011bstnanec. A to znamen\u00e1 vyv\u00edjet velk\u00e9 \u00fasil\u00ed a m\u00edt schopnosti. A mo\u017en\u00e1 i trochu toho \u0161t\u011bst\u00ed.Jen\u017ee ani to n\u011bkdy nesta\u010d\u00ed. A podnikatel tak jde i se svoj\u00ed firmou ke dnu. Jeho situace se kv\u016fli nedostate\u010dn\u00fdm p\u0159\u00edjm\u016fm komplikuje, a \u010d\u00edm v\u011bt\u0161\u00ed je pot\u0159eba pen\u011bz a men\u0161\u00ed ziskovost, t\u00edm men\u0161\u00ed nad\u011bji do budoucna takov\u00e9 podnik\u00e1n\u00ed a podnikatel m\u00e1. A kdy\u017e pen\u00edze nesta\u010d\u00ed, ale po\u0159\u00e1d se je\u0161t\u011b vyplat\u00ed n\u011bjakou takovou firmu zachra\u0148ovat? Pak se mus\u00ed pen\u00edze sehnat i n\u011bkde jinde ne\u017e v t\u00e9to firm\u011b samotn\u00e9. A sice v n\u011bjak\u00e9 finan\u010dn\u00ed instituci. Tam je toti\u017e pen\u011bz v\u017edycky dost.Dost jich tam b\u00fdv\u00e1. Banky jich maj\u00ed jist\u011b pln\u00e9 trezory. Ale je tu komplikace, a tou je skute\u010dnost, \u017ee banky nep\u016fj\u010duj\u00ed pen\u00edze jenom tak n\u011bkomu. P\u016fj\u010duj\u00ed je jenom t\u011bm podnikatel\u016fm, u kter\u00fdch je v\u011brohodn\u00e9, \u017ee budou n\u00e1le\u017eit\u011b spl\u00e1cet. A tak se prov\u011b\u0159uje bonita ka\u017ed\u00e9ho \u017eadatele v bance velmi p\u0159\u00edsn\u011b. A t\u00edm p\u00e1dem kdekdo neusp\u011bje.A kdy\u017e to podnikateli nevyjde v bance? Kde je\u0161t\u011b by mohl zkusit \u0161t\u011bst\u00ed? Ano, spr\u00e1vn\u011b. U nebankovn\u00ed spole\u010dnosti a jej\u00ed hypot\u00e9ky. I kdyby to jinde nevy\u0161lo, je nebankovn\u00ed hypot\u00e9ka pro podnikatele st\u00e1le je\u0161t\u011b nad\u011bj\u00ed. Proto\u017ee maj\u00ed-li tito aspo\u0148 n\u011bjakou nemovitost, kter\u00e1 by poslou\u017eila jako z\u00e1ruka spl\u00e1cen\u00ed, mohou takovou hypot\u00e9ku bez probl\u00e9m\u016f dostat a zachr\u00e1nit s n\u00ed sv\u00e9 podniky.                                                                                                                                                                                                                                                                                                                                                                                          4.2\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jd\u011bte si n\u011bkam p\u016fj\u010dit","item":"https:\/\/www.perous.cz\/jdete-si-nekam-pujcit\/#breadcrumbitem"}]}]