[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sta-fas.cz\/podnikatele-si-berou-nebankovni-hypoteky\/#Article","mainEntityOfPage":"https:\/\/www.sta-fas.cz\/podnikatele-si-berou-nebankovni-hypoteky\/","headline":"Podnikatel\u00e9 si berou nebankovn\u00ed hypot\u00e9ky","name":"Podnikatel\u00e9 si berou nebankovn\u00ed hypot\u00e9ky","description":"A\u0165 u\u017e mi to chcete nebo nechcete v\u011b\u0159it, nejsou majitel\u00e9 firem v\u017edy tak solventn\u00ed, jak by m\u011bli v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b b\u00fdt. I kdy\u017e si mohou teoreticky vyd\u011blat pen\u011bz v\u017edycky dost, praxe je \u010dasto docela jin\u00e1. A to proto, \u017ee jim nesta\u010d\u00ed \u0159\u00edci, kolik pen\u011bz jim m\u00e1 kdo ze z\u00e1kazn\u00edk\u016f zaplatit, a dostanou je. A n\u011bkdy...","datePublished":"2026-04-25","dateModified":"2026-04-25","author":{"@type":"Person","@id":"https:\/\/www.sta-fas.cz\/author\/#Person","name":"","url":"https:\/\/www.sta-fas.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/59b0e4716b6bc16861d789b0eb3efe04cb591482277f92a016ec4356fe735210?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/59b0e4716b6bc16861d789b0eb3efe04cb591482277f92a016ec4356fe735210?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sta-fas.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sta-fas.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppp_10_10_10_4.jpg","url":"https:\/\/www.sta-fas.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppp_10_10_10_4.jpg","height":0,"width":0},"url":"https:\/\/www.sta-fas.cz\/podnikatele-si-berou-nebankovni-hypoteky\/","about":["Zbo\u017e\u00ed"],"wordCount":398,"articleBody":"   A\u0165 u\u017e mi to chcete nebo nechcete v\u011b\u0159it, nejsou majitel\u00e9 firem v\u017edy tak solventn\u00ed, jak by m\u011bli v ide\u00e1ln\u00edm p\u0159\u00edpad\u011b b\u00fdt. I kdy\u017e si mohou teoreticky vyd\u011blat pen\u011bz v\u017edycky dost, praxe je \u010dasto docela jin\u00e1. A to proto, \u017ee jim nesta\u010d\u00ed \u0159\u00edci, kolik pen\u011bz jim m\u00e1 kdo ze z\u00e1kazn\u00edk\u016f zaplatit, a dostanou je. A n\u011bkdy nejsou jejich z\u00e1kazn\u00edci nejen solventn\u00ed, ale t\u0159eba dokonce skoro \u017e\u00e1dn\u00ed nebo \u017e\u00e1dn\u00ed. A pak nen\u00ed kde br\u00e1t tolik pen\u011bz, kolik by bylo k \u017eivotu a dal\u0161\u00edmu podnik\u00e1n\u00ed pot\u0159eba.Podnikatel\u016f se ale nikdo nept\u00e1, kolik pen\u011bz maj\u00ed a zda si je mohli nebo nemohli v dan\u00e9 chv\u00edli vyd\u011blat. Podnikatel\u00e9 mus\u00ed m\u00edt takov\u00e9 p\u0159\u00edjmy, aby jimi financovali v\u0161e, co s jejich podnik\u00e1n\u00edm souvis\u00ed, a samoz\u0159ejm\u011b aby tak\u00e9 m\u011bli za co \u017e\u00edt. A kdy\u017e dost nemaj\u00ed, nen\u00ed nikdo, kdo by je vyt\u00e1hl z takov\u00e9 bryndy. Jsou na to docela sami.A co potom podnikatel\u00e9 d\u011blaj\u00ed? Kde berou pen\u00edze, aby nemuseli se sv\u00fdm podnik\u00e1n\u00edm skon\u010dit? Jist\u011b i v\u00e1m d\u0159\u00edve \u010di pozd\u011bji dojde, \u017ee tou jedinou pomoc\u00ed, na kterou se mohou teoreticky spolehnout, je n\u011bjak\u00e1 ta podnikatelsk\u00e1 p\u016fj\u010dka. Jen\u017ee ani s tou to nen\u00ed zase a\u017e tak prost\u00e9. Podnikatel\u00e9 si sice mohou pen\u00edze na do\u010dasn\u00e9 zaji\u0161t\u011bn\u00ed chodu sv\u00fdch firem sehnat i v podob\u011b n\u011bjak\u00e9 t\u00e9 p\u016fj\u010dky, ale aby ji dostali, mus\u00ed nap\u0159ed \u017e\u00e1douc\u00edm zp\u016fsobem zaru\u010dit spl\u00e1cen\u00ed. A kdy\u017e nestoj\u00ed jejich p\u0159\u00edjmy za moc a maj\u00ed t\u0159eba i n\u011bjak\u00e9 jin\u00e9 nep\u0159\u00edjemn\u00e9 nedostatky, mohou o\u010dek\u00e1vat, \u017ee budou jejich \u017e\u00e1dosti o bankovn\u00ed p\u016fj\u010dky univerz\u00e1ln\u011b zam\u00edt\u00e1ny. Inu, banky sv\u00e9 pen\u00edze neposkytuj\u00ed t\u011bm, kdo jim nezaru\u010d\u00ed jejich vr\u00e1cen\u00ed. Ale d\u00edky nebankovn\u00edm hypot\u00e9k\u00e1m nemus\u00ed b\u00fdt zle. Aspo\u0148 tedy pokud maj\u00ed podnikatel\u00e9 nemovitosti, jimi\u017e by mohli spl\u00e1cen\u00ed zaru\u010dit. Kdy\u017e nab\u00eddnou nebankovn\u00ed spole\u010dnosti podobnou z\u00e1ruku, mohou m\u00edt pen\u00edze t\u0159eba hned. A tak pom\u00e1h\u00e1 hypot\u00e9ka pro dlu\u017en\u00edky fahd.cz i tehdy, kdy\u017e jsou na tom soukromn\u00edci tak zle, \u017ee by jim u\u017e nikdo pomoci necht\u011bl.                                                                                                                                                                                                                                                                                                                                                                                                  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