[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.setlik.cz\/jak-resit-problemy-s-penezi\/#Article","mainEntityOfPage":"https:\/\/www.setlik.cz\/jak-resit-problemy-s-penezi\/","headline":"Jak \u0159e\u0161it probl\u00e9my s pen\u011bzi?","name":"Jak \u0159e\u0161it probl\u00e9my s pen\u011bzi?","description":"U\u017e jste se n\u011bkdy ocitli v situaci, kdy jste nem\u011bli pen\u00edze, kter\u00e9 jste urgentn\u011b pot\u0159ebovali? Dost mo\u017en\u00e1 doposud ne. A pokud ne, m\u011bli byste aspo\u0148 tu\u0161it, jak se takov\u00e1 nep\u0159\u00edjemn\u00e1 situace \u0159e\u0161\u00ed. Proto\u017ee se to m\u016f\u017ee st\u00e1t jednoho dne i va\u0161\u00edm osudem. A pokud podnik\u00e1te, je n\u011bkdy takov\u00e9 riziko nedostatku pen\u011bz skute\u010dn\u011b velice pravd\u011bpodobn\u00e9. Zkomplikovat […]","datePublished":"2026-05-18","dateModified":"2026-05-18","author":{"@type":"Person","@id":"https:\/\/www.setlik.cz\/author\/#Person","name":"setlik.cz\n","url":"https:\/\/www.setlik.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7320ca526354d2794ceb75173050bfa147af8617816df401a16569341b5fbaf?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"setlik.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.setlik.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppp_10_10_10_1.jpg","url":"https:\/\/www.setlik.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppp_10_10_10_1.jpg","height":0,"width":0},"url":"https:\/\/www.setlik.cz\/jak-resit-problemy-s-penezi\/","about":["V\u00fdrobky"],"wordCount":443,"articleBody":"       U\u017e jste se n\u011bkdy ocitli v situaci, kdy jste nem\u011bli pen\u00edze, kter\u00e9 jste urgentn\u011b pot\u0159ebovali? Dost mo\u017en\u00e1 doposud ne. A pokud ne, m\u011bli byste aspo\u0148 tu\u0161it, jak se takov\u00e1 nep\u0159\u00edjemn\u00e1 situace \u0159e\u0161\u00ed. Proto\u017ee se to m\u016f\u017ee st\u00e1t jednoho dne i va\u0161\u00edm osudem. A pokud podnik\u00e1te, je n\u011bkdy takov\u00e9 riziko nedostatku pen\u011bz skute\u010dn\u011b velice pravd\u011bpodobn\u00e9. Zkomplikovat se m\u016f\u017ee ledacos a jist\u00e9 je pak jedin\u011b to, \u017ee podnikatel\u00e9 nemohou automaticky po\u010d\u00edtat s ni\u010d\u00ed pomoc\u00ed. Ten, kdo podnik\u00e1, se mus\u00ed v\u017edy spolehnout jenom na sv\u00e9 vlastn\u00ed s\u00edly a schopnosti. Anebo v hor\u0161\u00edm p\u0159\u00edpad\u011b i na n\u011bjak\u00e9ho poskytovatele p\u016fj\u010dek.Ano, podnikatel\u00e9 se mohou dostat k pen\u011bz\u016fm skute\u010dn\u011b jenom dv\u011bma zp\u016fsoby. Bu\u010f si je vyd\u011blaj\u00ed, nebo si je aspo\u0148 n\u011bkde p\u016fj\u010d\u00ed. Jin\u00e1 alternativa neb\u00fdv\u00e1 pravd\u011bpodobn\u00e1.A tak byste v p\u0159\u00edpad\u011b, \u017ee podnik\u00e1te, m\u011bli v\u011bd\u011bt, jak z\u00edskat p\u016fj\u010dku, pokud v\u00e1m po n\u011bjakou dobu sch\u00e1zej\u00ed pen\u00edze. A to neznamen\u00e1, \u017ee byste m\u011bli zn\u00e1t jenom adresu sv\u00e9 nejbli\u017e\u0161\u00ed banky, kam byste v p\u0159\u00edpad\u011b pot\u0159eby za\u0161li zkusit \u0161t\u011bst\u00ed. Proto\u017ee \u0161t\u011bst\u00ed je vrtkav\u00e9 a v bank\u00e1ch s n\u00edm podnikatel\u00e9 nemohou pom\u011brn\u011b \u010dasto po\u010d\u00edtat. Kdy\u017e jsou toti\u017e podnikatel\u00e9 v nesn\u00e1z\u00edch, maj\u00ed n\u00edzk\u00e9 p\u0159\u00edjmy a dejme tomu i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, banky jim obvykle nepomohou. A ani vy byste nebyli pravd\u011bpodobn\u011b v\u00fdjimkou. A to proto, \u017ee banky nep\u016fj\u010d\u00ed nikomu, kdo nevypad\u00e1 dokonale a nem\u00e1 takov\u00e9 kvality, kter\u00e9 by zaru\u010dovaly schopnost a ochotu spl\u00e1cet.Ale jak byste se tedy m\u011bli p\u0159ipravit na situaci, kdy se ocitnete ve finan\u010dn\u00edch probl\u00e9mech? Co byste m\u011bli v\u011bd\u011bt a na co se nachystat? V\u011b\u0159te mi, \u017ee pokud m\u00e1te n\u011bjak\u00fd ten nemovit\u00fd majetek, kter\u00fd nejsp\u00ed\u0161e m\u00e1te, je nejlep\u0161\u00ed v\u011bd\u011bt o existenci nebankovn\u00edch hypot\u00e9k. Proto\u017ee jsou to pr\u00e1v\u011b takov\u00e9 nebankovn\u00ed hypot\u00e9ky, d\u00edky nim\u017e podnikatel\u00e9 skute\u010dn\u011b z\u00edskaj\u00ed pen\u00edze v t\u011b\u017ek\u00fdch \u010dasech. A to proto, \u017ee se u nebankovn\u00edch hypot\u00e9k sta\u010d\u00ed zaru\u010dit za spl\u00e1cen\u00ed nemovitost\u00ed a pak u\u017e nen\u00ed t\u0159eba se ob\u00e1vat toho, jak dopadne schvalov\u00e1n\u00ed podobn\u00e9 \u017e\u00e1dosti o p\u016fj\u010dku. Hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjm\u016f s \u00farokem od 7% p. a. tu m\u016f\u017ee b\u00fdt bez probl\u00e9m\u016f va\u0161e. A je po starostech.                                                                                                                                                                                                                                                                                                                                                                                                  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