[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bjolly.cz\/je-to-zacarovany-kruh\/#Article","mainEntityOfPage":"https:\/\/www.bjolly.cz\/je-to-zacarovany-kruh\/","headline":"Je to za\u010darovan\u00fd kruh?","name":"Je to za\u010darovan\u00fd kruh?","description":"Soukrom\u00ed podnikatel\u00e9 pracuj\u00ed a t\u00edm si vyd\u011bl\u00e1vaj\u00ed. \u010c\u00e1st takto vyd\u011blan\u00fdch pen\u011bz je ur\u010dena pro jejich vlastn\u00ed spot\u0159ebu, tedy pro zaji\u0161t\u011bn\u00ed si jejich \u017eivotn\u00edch podm\u00ednek, \u010d\u00e1st pen\u011bz se pak vrac\u00ed do firmy v podob\u011b investic do toho, co se mus\u00ed financovat, aby se takov\u00e9 podnik\u00e1n\u00ed udr\u017eelo. Tak to funguje, ale pochopiteln\u011b jedin\u011b v situaci, kdy jsou […]","datePublished":"2021-12-31","dateModified":"2021-12-31","author":{"@type":"Person","@id":"https:\/\/www.bjolly.cz\/author\/#Person","name":"","url":"https:\/\/www.bjolly.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/06eaac2906ebd8f5abb4917f3140de1503ec690466d6a69c4ec202bf5b15537c?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bjolly.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bjolly.cz\/wp-content\/uploads\/obr%C3%A1zek%20domu_1.jpg","url":"https:\/\/www.bjolly.cz\/wp-content\/uploads\/obr%C3%A1zek%20domu_1.jpg","height":0,"width":0},"url":"https:\/\/www.bjolly.cz\/je-to-zacarovany-kruh\/","about":["Pen\u00edze"],"wordCount":401,"articleBody":"   Soukrom\u00ed podnikatel\u00e9 pracuj\u00ed a t\u00edm si vyd\u011bl\u00e1vaj\u00ed. \u010c\u00e1st takto vyd\u011blan\u00fdch pen\u011bz je ur\u010dena pro jejich vlastn\u00ed spot\u0159ebu, tedy pro zaji\u0161t\u011bn\u00ed si jejich \u017eivotn\u00edch podm\u00ednek, \u010d\u00e1st pen\u011bz se pak vrac\u00ed do firmy v podob\u011b investic do toho, co se mus\u00ed financovat, aby se takov\u00e9 podnik\u00e1n\u00ed udr\u017eelo. Tak to funguje, ale pochopiteln\u011b jedin\u011b v situaci, kdy jsou zisky plynouc\u00ed z takov\u00e9ho podnik\u00e1n\u00ed dosta\u010duj\u00edc\u00ed.Jen\u017ee nikdy nen\u00ed zaru\u010deno, \u017ee tomu tak v\u017edy bude. Je i mnoho p\u0159\u00edpad\u016f a situac\u00ed, kdy z podnik\u00e1n\u00ed plynouc\u00ed zisky nesta\u010d\u00ed na zaplacen\u00ed v\u0161eho v\u00fd\u0161e zm\u00edn\u011bn\u00e9ho. N\u011bkdy se neda\u0159\u00ed, a to znamen\u00e1, \u017ee by bylo pot\u0159eba do firmy investovat, jen\u017ee u\u017e nen\u00ed kde na to vz\u00edt. A to je pak zl\u00e9, proto\u017ee je to p\u0159edzv\u011bst\u00ed \u00fapadku. A proti tomu se mus\u00ed ur\u010dit\u011b n\u011bco podniknout, s t\u00edm nen\u00ed z\u00e1hodno se jenom tak sm\u00ed\u0159it.Ale co m\u00e1 d\u011blat podnikatel, kter\u00e9mu jeho podnik nevyn\u00e1\u0161\u00ed tolik, kolik by nezbytn\u011b m\u011bl? N\u011bkdo takov\u00fd prost\u011b mus\u00ed sehnat postr\u00e1dan\u00e9 finance n\u011bkde jinde. A to pochopiteln\u011b nejsp\u00ed\u0161e n\u011bkde v n\u011bkter\u00e9 finan\u010dn\u00ed instituci nab\u00edzej\u00edc\u00ed p\u016fj\u010dky.Ov\u0161em co se stane, kdy\u017e soukromn\u00edk oslov\u00ed n\u011bjakou banku a dolo\u017e\u00ed j\u00ed svoji krajn\u011b neradostnou ekonomickou situaci? Co by se asi stalo? \u0158eknou mu, \u017ee nen\u00ed bonitn\u00ed, a pomoci mu odm\u00edtnou.Ale to na\u0161t\u011bst\u00ed nemus\u00ed b\u00fdt je\u0161t\u011b trag\u00e9die. Proto\u017ee u n\u00e1s m\u00e1me nejen banky, ale i nebankovn\u00ed spole\u010dnosti, a krom\u011b t\u011b\u017eko dosa\u017eiteln\u00fdch a p\u0159\u00edsn\u00fdmi pravidly prov\u00e1zen\u00fdch bankovn\u00edch p\u016fj\u010dek tu je i americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f https:\/\/nebankovnihypoteky.net\/hypoteka-bez-registru\/. A u takov\u00e9 nebankovn\u00ed hypot\u00e9ky podnikatel\u00e9 usp\u011bj\u00ed \u010dasto i tehdy, kdy\u017e u\u017e jinde nemaj\u00ed \u017e\u00e1dnou nad\u011bji. Proto\u017ee se takov\u00e1 hypot\u00e9ka p\u016fj\u010duje komukoliv, kdo se za ni zaru\u010d\u00ed nemovitost\u00ed, bez ohledu na to, jak se mu finan\u010dn\u011b vede. A tak tu maj\u00ed nad\u011bji i lid\u00e9 s n\u00edzk\u00fdmi p\u0159\u00edjmy, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f \u010di exekucemi. Nikdo d\u00edky nebankovn\u00edm hypot\u00e9k\u00e1m nemus\u00ed b\u00fdt ztracen\u00fd.                                                                                                                                                                                                                                                                                                                                                                                          4.4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je to za\u010darovan\u00fd kruh?","item":"https:\/\/www.bjolly.cz\/je-to-zacarovany-kruh\/#breadcrumbitem"}]}]