[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.solitary.cz\/podnika-se-kvuli-penezum\/#Article","mainEntityOfPage":"https:\/\/www.solitary.cz\/podnika-se-kvuli-penezum\/","headline":"Podnik\u00e1 se kv\u016fli pen\u011bz\u016fm","name":"Podnik\u00e1 se kv\u016fli pen\u011bz\u016fm","description":"Ti, kdo podnikaj\u00ed, maj\u00ed pochopiteln\u011b v prvn\u00ed \u0159ad\u011b z\u00e1jem vyd\u011blat si dost velk\u00e9 pen\u00edze. A mus\u00ed toho dos\u00e1hnout nejen proto, \u017ee cht\u011bj\u00ed za takov\u00e9 pen\u00edze \u017e\u00edt, ale i proto, \u017ee se n\u011b\u010d\u00edm tak\u00e9 mus\u00ed financovat provoz firem samotn\u00fdch. A kdyby &hellip; <div class=\"read-more\"> <a href=\"https:\/\/www.solitary.cz\/podnika-se-kvuli-penezum\/\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/div>","datePublished":"2026-05-22","dateModified":"2026-05-22","author":{"@type":"Person","@id":"https:\/\/www.solitary.cz\/author\/#Person","name":"","url":"https:\/\/www.solitary.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/03ef97ef22d1b0d07a8e6c50d88cc1823592c58a091286b466bcec36e31eaab2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"solitary.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.solitary.cz\/wp-content\/uploads\/pppppppppppppp_10_10_10_10_10_10.jpg","url":"https:\/\/www.solitary.cz\/wp-content\/uploads\/pppppppppppppp_10_10_10_10_10_10.jpg","height":0,"width":0},"url":"https:\/\/www.solitary.cz\/podnika-se-kvuli-penezum\/","about":["Zbo\u017e\u00ed"],"wordCount":397,"articleBody":"      Ti, kdo podnikaj\u00ed, maj\u00ed pochopiteln\u011b v prvn\u00ed \u0159ad\u011b z\u00e1jem vyd\u011blat si dost velk\u00e9 pen\u00edze. A mus\u00ed toho dos\u00e1hnout nejen proto, \u017ee cht\u011bj\u00ed za takov\u00e9 pen\u00edze \u017e\u00edt, ale i proto, \u017ee se n\u011b\u010d\u00edm tak\u00e9 mus\u00ed financovat provoz firem samotn\u00fdch. A kdyby se podnik\u00e1n\u00edm nevyd\u011bl\u00e1valo tolik, kolik je pot\u0159eba, br\u00e1nilo by to nejen norm\u00e1ln\u00edmu podnikatelovu \u017eivotu, ale i chodu podnik\u00e1n\u00ed jako takov\u00e9ho. Bez pen\u011bz by se nedaly zaplatit takov\u00e9 z\u00e1le\u017eitosti, jako jsou mzdy zam\u011bstnanc\u016f, dan\u011b a dal\u0161\u00ed odvody, nebyly by pen\u00edze na materi\u00e1l, energie, nov\u00e9 stroje nebo jinou pot\u0159ebnou techniku a podobn\u011b. A bez toho by podnikatelsk\u00e9 aktivity v\u00e1zly, a\u017e by tu nakonec nefungovalo u\u017e v\u016fbec nic.Ale n\u011bkdy nejsou p\u0159\u00edjmy podnikatel\u016f takov\u00e9, jak\u00e9 by m\u011bly b\u00fdt. A pak je tedy t\u0159eba sehnat postr\u00e1dan\u00e9 pen\u00edze n\u011bkde jinde a n\u011bjak jinak. A tak se soukrom\u00ed podnikatel\u00e9 \u010dasto zaj\u00edmaj\u00ed a n\u00e1sledn\u011b i uch\u00e1zej\u00ed o podnikatelsk\u00e9 p\u016fj\u010dky. Oslovuj\u00ed nap\u0159\u00edklad banky. A v bank\u00e1ch je ur\u010dit\u011b vyslechnou a n\u011bjak\u00e9 ty nab\u00eddky tam pro n\u011b maj\u00ed. Sta\u010d\u00ed si jenom podat \u017e\u00e1dost a dolo\u017eit to, co je t\u0159eba, aby se prok\u00e1zala bonita \u017eadatel\u016f, tedy jejich schopnost spl\u00e1cet. A potom\u2026Potom se tu podnikatel\u00e9 \u010dasto dozv\u011bd\u00ed, \u017ee p\u016fj\u010dku, kterou tolik cht\u011bli, nedostanou. Inu, z\u00e1ruky, kter\u00e9 mohou nab\u00eddnout, nep\u0159ipadaj\u00ed \u010dasto bank\u00e1m dostate\u010dn\u00e9. A bez z\u00e1ruk se p\u016fj\u010dky neposkytuj\u00ed.A tak n\u011bkdy podnikatel\u00e9 p\u016fj\u010dku nedostanou, i kdy\u017e ji pot\u0159ebuj\u00ed. A u\u017e to vypad\u00e1, \u017ee zkrachuj\u00ed. Ale nakonec k tomu p\u0159esto nedojde. A to z docela jednoduch\u00e9ho d\u016fvodu. I kdy\u017e takov\u00fdm podnikatel\u016fm nep\u016fj\u010d\u00ed banky, t\u0159eba jim p\u016fj\u010d\u00ed nebankovn\u00ed spole\u010dnost. A to ve form\u011b nebankovn\u00ed hypot\u00e9ky, kter\u00e1 je dostupn\u00e1 \u010dasto i t\u011bm, kdo nedos\u00e1hnou na tradi\u010dn\u00ed bankovn\u00ed p\u016fj\u010dky.A v \u010dem je mezi bankovn\u00edmi p\u016fj\u010dkami a nebankovn\u00ed hypot\u00e9kou rozd\u00edl? P\u0159edev\u0161\u00edm v tom, \u017ee hypot\u00e9ka pro dlu\u017en\u00edky od nebankovn\u00ed spole\u010dnosti nevy\u017eaduje od z\u00e1jemc\u016f o ni dokonalost. Sta\u010d\u00ed tu ru\u010dit nemovitost\u00ed a \u010dlov\u011bk m\u00e1 vyhr\u00e1no.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podnik\u00e1 se kv\u016fli pen\u011bz\u016fm","item":"https:\/\/www.solitary.cz\/podnika-se-kvuli-penezum\/#breadcrumbitem"}]}]