[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.acnc.cz\/co-kdyz-je-pujcka-zapotrebi\/#Article","mainEntityOfPage":"https:\/\/www.acnc.cz\/co-kdyz-je-pujcka-zapotrebi\/","headline":"Co kdy\u017e je p\u016fj\u010dka zapot\u0159eb\u00ed?","name":"Co kdy\u017e je p\u016fj\u010dka zapot\u0159eb\u00ed?","description":"Mnoh\u00fd z n\u00e1s n\u011bkdy nevysta\u010d\u00ed s pen\u011bzi, kter\u00e9 m\u00e1. A kdy\u017e s nimi nevysta\u010d\u00ed, nezb\u00fdv\u00e1 mu, ne\u017e naj\u00edt n\u011bkoho, kdo[...]","datePublished":"2019-10-18","dateModified":"2023-05-15","author":{"@type":"Person","@id":"https:\/\/www.acnc.cz\/author\/#Person","name":"","url":"https:\/\/www.acnc.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/087c2e57f451bc02fa8017914855d7c40cf6c7d5dc1637b868e007adc26322d1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"acnc.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.acnc.cz\/wp-content\/uploads\/img_a367019_w1937_t1579441215.jpg","url":"https:\/\/www.acnc.cz\/wp-content\/uploads\/img_a367019_w1937_t1579441215.jpg","height":0,"width":0},"url":"https:\/\/www.acnc.cz\/co-kdyz-je-pujcka-zapotrebi\/","about":["Finance"],"wordCount":454,"articleBody":"      Mnoh\u00fd z n\u00e1s n\u011bkdy nevysta\u010d\u00ed s pen\u011bzi, kter\u00e9 m\u00e1. A kdy\u017e s nimi nevysta\u010d\u00ed, nezb\u00fdv\u00e1 mu, ne\u017e naj\u00edt n\u011bkoho, kdo by mu n\u011bjak\u00e9 daroval. A proto\u017ee se pen\u00edze zpravidla nerozd\u00e1vaj\u00ed, mus\u00ed se tento nakonec spokojit s p\u016fj\u010dkou. Jen\u017ee ani s p\u016fj\u010dkami to nejednou nen\u00ed snadn\u00e9. A to a\u0165 u\u017e takto pot\u0159ebuje pomoci spot\u0159ebitel nebo podnikatel. Jakmile je n\u011bkomu zapot\u0159eb\u00ed takov\u00e9 pomoci, odvr\u00e1t\u00ed se od n\u011bj \u010dasto ve\u0161ker\u00e9 p\u0159\u00edbuzenstvo, p\u0159estanou se k n\u011bmu hl\u00e1sit kamar\u00e1di a zn\u00e1m\u00ed. A tak p\u0159ijdou na \u0159adu finan\u010dn\u00ed instituce.  Kdy\u017e pot\u0159ebuje t\u0159eba podnikatel p\u016fj\u010dit pen\u00edze, aby rozjel podnik\u00e1n\u00ed nebo u\u017e rozjetou firmu udr\u017eel nad vodou, jsou jeho \u0161ance na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky v bance \u00fam\u011brn\u00e9 tomu, jak dob\u0159e na tom po str\u00e1nce ekonomick\u00e9 je. Pokud firma \u0161lape jako hodinky, pokud vyn\u00e1\u0161\u00ed a jej\u00ed majitel se t\u0159eba i top\u00ed v pen\u011bz\u00edch, je ochoten p\u016fj\u010dit kdokoliv. Ale jakmile se podniku p\u0159estane da\u0159it, je v\u0161echno r\u00e1zem jinak. \u017dadatel nedok\u00e1\u017ee vyhov\u011bt po\u017eadavk\u016fm, je\u017e banky na sv\u00e9 klienty kladou, a tak odch\u00e1z\u00ed s nepo\u0159\u00edzenou. A t\u011bmi, kdo ho pak zachr\u00e1n\u00ed dost mo\u017en\u00e1 i v nouzi nejvy\u0161\u0161\u00ed, jsou nebankovn\u00ed poskytovatel\u00e9 p\u016fj\u010dek a jejich hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f. D\u00edky t\u00e9to p\u016fj\u010dce m\u00e1 toti\u017e nad\u011bji klidn\u011b i \u017eadatel s notn\u011b po\u0161ramocenou pov\u011bst\u00ed a nevalnou pozic\u00ed.  U t\u00e9to hypot\u00e9ky m\u00e1 \u0161anci usp\u011bt klidn\u011b i ten, kdo m\u00e1 hluboko do kapsy, kdo m\u00e1 nez\u00e1vid\u011bn\u00edhodn\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, ba t\u0159eba i exekuci na majetek. Nic z toho tady toti\u017e nen\u00ed zase a\u017e tak podstatn\u00e9, pokud to tedy samoz\u0159ejm\u011b nesv\u011bd\u010d\u00ed o tom, \u017ee by to mohlo zap\u0159\u00ed\u010dinit neschopnost spl\u00e1cet p\u016fj\u010den\u00e9 prost\u0159edky tak, jak je ujedn\u00e1no. Hlavn\u00ed je, aby takov\u00fd podnikatel mohl d\u00e1t za p\u016fj\u010den\u00e9 pen\u00edze do z\u00e1stavy vlastn\u00ed nemovitost a aby dok\u00e1zal p\u0159esv\u011bd\u010dit o tom, \u017ee bude schopen vr\u00e1tit v\u0161e v souladu se smlouvou. Co\u017e jsou o pozn\u00e1n\u00ed ni\u017e\u0161\u00ed n\u00e1roky, ne\u017e maj\u00ed t\u0159eba banky, a proto tu tak\u00e9 mnoz\u00ed \u017eadatel\u00e9 usp\u011bj\u00ed. A mnoz\u00ed z podnikatel\u016f v nesn\u00e1z\u00edch se na tohoto poskytovatele obracej\u00ed. Proto\u017ee p\u016fj\u010dka b\u00fdv\u00e1 nejednou nezbytn\u00e1. A tato mus\u00ed b\u00fdt tak\u00e9 dostupn\u00e1, m\u00e1-li toho kter\u00e9ho podnikatele spasit.                                                                                                                                                                                                                                                                                                                                                                                          3.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co kdy\u017e je p\u016fj\u010dka zapot\u0159eb\u00ed?","item":"https:\/\/www.acnc.cz\/co-kdyz-je-pujcka-zapotrebi\/#breadcrumbitem"}]}]