[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.univel.cz\/od-koho-si-vzit-pujcku\/#Article","mainEntityOfPage":"https:\/\/www.univel.cz\/od-koho-si-vzit-pujcku\/","headline":"Od koho si vz\u00edt p\u016fj\u010dku?","name":"Od koho si vz\u00edt p\u016fj\u010dku?","description":"V\u0161ichni v\u00edme, kte\u0159\u00ed ze soukrom\u00fdch podnikatel\u016f se pova\u017euj\u00ed za \u00fasp\u011b\u0161n\u00e9. Jasn\u011b, \u017ee jsou to ti, kte\u0159\u00ed vyd\u011bl\u00e1vaj\u00ed hodn\u011b pen\u011bz. Kte\u0159\u00ed &hellip; <a href=\"https:\/\/www.univel.cz\/od-koho-si-vzit-pujcku\/\" class=\"more-link\"><span class=\"more-button\">P\u0159e\u010d\u00edst p\u0159\u00edsp\u011bvek<span class=\"screen-reader-text\">Od koho si vz\u00edt p\u016fj\u010dku?<\/span><\/span><\/a>","datePublished":"2025-09-04","dateModified":"2025-09-04","author":{"@type":"Person","@id":"https:\/\/www.univel.cz\/author\/#Person","name":"","url":"https:\/\/www.univel.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1fa5b1cbc0125795815d9e30ef12b8bb9be5d358eed11aa2085a8d203d3da2ed?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1fa5b1cbc0125795815d9e30ef12b8bb9be5d358eed11aa2085a8d203d3da2ed?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"univel.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.univel.cz\/wp-content\/uploads\/pppppp_10_10_10_10_10_10_1.jpg","url":"https:\/\/www.univel.cz\/wp-content\/uploads\/pppppp_10_10_10_10_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.univel.cz\/od-koho-si-vzit-pujcku\/","about":["Finance"],"wordCount":423,"articleBody":"        V\u0161ichni v\u00edme, kte\u0159\u00ed ze soukrom\u00fdch podnikatel\u016f se pova\u017euj\u00ed za \u00fasp\u011b\u0161n\u00e9. Jasn\u011b, \u017ee jsou to ti, kte\u0159\u00ed vyd\u011bl\u00e1vaj\u00ed hodn\u011b pen\u011bz. Kte\u0159\u00ed dok\u00e1\u017eou financovat v\u0161echno, co financovat maj\u00ed, a ani ve sv\u00e9m soukrom\u00e9m \u017eivot\u011b nemaj\u00ed s pen\u011bzi \u017e\u00e1dn\u00e9 starosti. V\u0161ichni tak\u00e9 v\u00edme, \u017ee cht\u011bj\u00ed b\u00fdt v\u0161ichni soukrom\u00ed podnikatel\u00e9 takto \u00fasp\u011b\u0161n\u00ed. \u017de nen\u00ed \u017e\u00e1dn\u00fd, kter\u00fd by pracoval jenom proto, aby dobrovoln\u011b prod\u011bl\u00e1val. Ale v\u0161ichni v\u00edme i to, \u017ee jsou mezi takov\u00fdmi \u00fasp\u011b\u0161n\u00fdmi podnikateli i mnoz\u00ed podnikatel\u00e9 ne\u00fasp\u011b\u0161n\u00ed. Tedy ti, kdo si na sebe a svou firmu n\u011bkdy vyd\u011blat nezvl\u00e1daj\u00ed. A ti jednoho dne zkrachuj\u00ed, pokud nedok\u00e1\u017eou takovou situaci zvl\u00e1dnout.Ale d\u00e1 se v\u016fbec takov\u00e1 situace zvl\u00e1dnout? Je mo\u017en\u00e9 m\u00edt dost pen\u011bz na podnik\u00e1n\u00ed i pro sebe i v dob\u00e1ch, kdy ono podnik\u00e1n\u00ed nevyn\u00e1\u0161\u00ed tolik, kolik by m\u011blo? Na\u0161t\u011bst\u00ed tu i takov\u00e1 mo\u017enost je. I kdy\u017e se n\u011bkomu pr\u00e1v\u011b v jeho podnik\u00e1n\u00ed neda\u0159\u00ed, je \u0161ance, \u017ee to bude lep\u0161\u00ed. A to kdy\u017e se se\u017eenou pen\u00edze od n\u011bkoho jin\u00e9ho. A t\u00edm n\u011bk\u00fdm jin\u00fdm jsou pochopiteln\u011b poskytovatel\u00e9 p\u016fj\u010dek. Podnikatel\u00e9 si prost\u011b mohou v p\u0159\u00edpad\u011b pot\u0159eby vz\u00edt p\u016fj\u010dku a s jej\u00ed pomoc\u00ed vydr\u017eet a\u017e do doby, ne\u017e se v\u00fdsledky jejich podnik\u00e1n\u00ed zlep\u0161\u00ed. P\u016fj\u010dky maj\u00ed ale svou zn\u00e1mou nev\u00fdhodu. A tou je skute\u010dnost, \u017ee se musej\u00ed vracet. A tak\u00e9 se tu mus\u00ed platit \u00faroky a t\u0159eba i n\u011bjak\u00e9 poplatky. Tak\u017ee mus\u00ed-li si podnikatel vz\u00edt p\u016fj\u010dku, mus\u00ed se hlavn\u011b postarat, aby na\u0161el takovou, kterou dostane a zvl\u00e1dne i vr\u00e1tit. A nemyslete si, \u017ee je to legrace. Jsou tu i p\u016fj\u010dky skryt\u011b nebo zjevn\u011b natolik p\u0159edra\u017een\u00e9, \u017ee se jim rozumn\u00ed podnikatel\u00e9 mus\u00ed ve sv\u00e9m vlastn\u00edm z\u00e1jmu vyhnout, a jsou tu i p\u016fj\u010dky sice v\u00fdhodn\u00e9, ale z\u00e1rove\u0148 poskytovan\u00e9 za tak p\u0159\u00edsn\u00fdch podm\u00ednek, \u017ee je nemohou podnikatel\u00e9 v t\u00edsni splnit a tedy neusp\u011bj\u00ed. Takov\u00e9 p\u016fj\u010dky nejsou podnikatel\u016fm k ni\u010demu. A kter\u00e9 p\u0159ich\u00e1zej\u00ed naopak vhod? Samoz\u0159ejm\u011b hlavn\u011b nebankovn\u00ed hypot\u00e9ky. Proto\u017ee se nebankovn\u00ed hypot\u00e9ka bez registru se\u017eene rychle, snadno a v\u00fdhodn\u011b. Tedy tak, jak to m\u00e1 b\u00fdt.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Od koho si vz\u00edt p\u016fj\u010dku?","item":"https:\/\/www.univel.cz\/od-koho-si-vzit-pujcku\/#breadcrumbitem"}]}]