[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kosin.cz\/docasne-pomuze-pujcka\/#Article","mainEntityOfPage":"https:\/\/www.kosin.cz\/docasne-pomuze-pujcka\/","headline":"Do\u010dasn\u011b pom\u016f\u017ee p\u016fj\u010dka","name":"Do\u010dasn\u011b pom\u016f\u017ee p\u016fj\u010dka","description":"N\u011bkdy maj\u00ed podnikatel\u00e9 pot\u00ed\u017ee, kv\u016fli kter\u00fdm si zkr\u00e1tka do\u010dasn\u011b nevyd\u011bl\u00e1vaj\u00ed tolik pen\u011bz, kolik by jich pro svou ob\u017eivu a udr\u017eov\u00e1n\u00ed sv\u00fdch podnik\u016f v provozu pot\u0159ebovali. A je jasn\u00e9, \u017ee to je probl\u00e9m. Proto\u017ee bez pen\u011bz u n\u00e1s \u017e\u00edt ani podnikat nejde a sou\u010dasn\u011b je nikdo nikomu jenom tak ned\u00e1. Nanejv\u00fd\u0161 je podnikateli n\u011bkdo p\u016fj\u010d\u00ed, a […]","datePublished":"2026-05-20","dateModified":"2026-05-20","author":{"@type":"Person","@id":"https:\/\/www.kosin.cz\/author\/#Person","name":"kosin.cz\n","url":"https:\/\/www.kosin.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kosin.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kosin.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_1.jpg","url":"https:\/\/www.kosin.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppppp_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.kosin.cz\/docasne-pomuze-pujcka\/","about":["V\u00fdrobky"],"wordCount":417,"articleBody":"      N\u011bkdy maj\u00ed podnikatel\u00e9 pot\u00ed\u017ee, kv\u016fli kter\u00fdm si zkr\u00e1tka do\u010dasn\u011b nevyd\u011bl\u00e1vaj\u00ed tolik pen\u011bz, kolik by jich pro svou ob\u017eivu a udr\u017eov\u00e1n\u00ed sv\u00fdch podnik\u016f v provozu pot\u0159ebovali. A je jasn\u00e9, \u017ee to je probl\u00e9m. Proto\u017ee bez pen\u011bz u n\u00e1s \u017e\u00edt ani podnikat nejde a sou\u010dasn\u011b je nikdo nikomu jenom tak ned\u00e1. Nanejv\u00fd\u0161 je podnikateli n\u011bkdo p\u016fj\u010d\u00ed, a to je\u0161t\u011b kdo v\u00ed jestli. Ale podnikatel\u00e9 pen\u00edze pot\u0159ebuj\u00ed, a tud\u00ed\u017e se mus\u00ed pokou\u0161et v t\u011b\u017ek\u00fdch \u010dasech aspo\u0148 o z\u00edsk\u00e1n\u00ed n\u011bjak\u00e9 p\u016fj\u010dky.Sehnat p\u016fj\u010dku m\u016f\u017ee b\u00fdt ale nad jejich s\u00edly. Ne proto, \u017ee by bylo pod\u00e1n\u00ed \u017e\u00e1dosti n\u011bjak n\u00e1ro\u010dn\u00e9, ale proto, \u017ee prost\u011b finan\u010dn\u00ed \u00fastavy n\u011bkomu s ekonomick\u00fdmi probl\u00e9my zrovna ned\u016fv\u011b\u0159uj\u00ed. A kdo si jejich d\u016fv\u011bru nez\u00edsk\u00e1, ten nem\u016f\u017ee s jejich pomoc\u00ed po\u010d\u00edtat.Tak\u017ee podnikatel s probl\u00e9my oslov\u00ed banku a vybere si n\u011bkterou z jej\u00edch p\u016fj\u010dek, kter\u00e1 mu p\u0159ipad\u00e1 dost dobr\u00e1. Ale co d\u00e1l? D\u00e1l n\u00e1sleduje zam\u00edtnut\u00ed takov\u00e9 \u017e\u00e1dosti t\u0159eba kv\u016fli nedostate\u010dn\u00fdm p\u0159\u00edjm\u016fm \u010di registr\u016fm dlu\u017en\u00edk\u016f, p\u0159\u00edpadn\u011b kv\u016fli oboj\u00edmu nebo je\u0161t\u011b n\u011bjak\u00e9mu dal\u0161\u00edmu nedostatku. A bankovn\u00ed zam\u011bstnance nelze nijak obm\u011bk\u010dit. Pravidla jsou pravidla, a kdy\u017e n\u011bkdo neprok\u00e1\u017ee svoje dostate\u010dn\u00e9 kvality, m\u00e1 sm\u016flu.Takovou sm\u016flu je ale pot\u0159eba p\u0159ekonat. A proto ti, kdo nedostanou pot\u0159ebnou bankovn\u00ed p\u016fj\u010dku, mus\u00ed zkou\u0161et \u0161t\u011bst\u00ed i n\u011bkde jinde. A je pot\u011b\u0161uj\u00edc\u00ed, \u017ee jinde to t\u0159eba vyjde. T\u0159eba u nebankovn\u00ed hypot\u00e9ky, kter\u00e1 se m\u016f\u017ee poskytovat i lidem, jim\u017e v bance nep\u0159\u00e1lo \u0161t\u011bst\u00ed. Ten, kdo m\u00e1 mo\u017enost ru\u010dit za p\u016fj\u010dku nemovitost\u00ed, toti\u017e pr\u00e1v\u011b u nebankovn\u00ed hypot\u00e9ky bez jak\u00fdchkoliv probl\u00e9m\u016f usp\u011bje. Proto\u017ee ru\u010d\u00ed za splacen\u00ed majetkem, kter\u00fd d\u00e1v\u00e1 jistotu, \u017ee to neskon\u010d\u00ed nesplacen\u00fdmi z\u00e1vazky.A tak podnikatel\u00e9 r\u00e1di \u017e\u00e1daj\u00ed pr\u00e1v\u011b o takov\u00e9 nebankovn\u00ed hypot\u00e9ky. U kter\u00fdch si jsou jisti, \u017ee usp\u011bj\u00ed, a v\u011bd\u00ed tak\u00e9 p\u0159edem, jak dopadnou. Co\u017e je \u010dasto neoceniteln\u00e9. A kdyby americk\u00e1 hypot\u00e9ka bez registru neexistovala, kdo v\u00ed, co by si mnoz\u00ed podnikatel\u00e9 po\u010dali.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Do\u010dasn\u011b pom\u016f\u017ee p\u016fj\u010dka","item":"https:\/\/www.kosin.cz\/docasne-pomuze-pujcka\/#breadcrumbitem"}]}]