[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sras.cz\/prijmy-nejsou-jiste\/#Article","mainEntityOfPage":"https:\/\/www.sras.cz\/prijmy-nejsou-jiste\/","headline":"P\u0159\u00edjmy nejsou jist\u00e9","name":"P\u0159\u00edjmy nejsou jist\u00e9","description":"Bylo by ide\u00e1ln\u00ed, kdyby se mohli soukrom\u00ed podnikatel\u00e9 rozhodnout, kolik pen\u011bz si cht\u011bj\u00ed vyd\u011bl\u00e1vat, a m\u011bli jistotu, \u017ee je po odveden\u00ed sv\u00e9 pr\u00e1ce tak\u00e9 dostanou. Jen\u017ee je skute\u010dnost\u00ed, \u017ee tak tomu neb\u00fdv\u00e1. N\u011bkdy se podnikatel\u00e9 sice tak\u00e9 top\u00ed v pen\u011bz\u00edch, jindy ale pro zm\u011bnu str\u00e1daj\u00ed kv\u016fli jejich nedostatku. A to proto, \u017ee ne v\u0161e vych\u00e1z\u00ed […]","datePublished":"2025-09-01","dateModified":"2025-09-01","author":{"@type":"Person","@id":"https:\/\/www.sras.cz\/author\/#Person","name":"sras.cz","url":"https:\/\/www.sras.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sras.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sras.cz\/wp-content\/uploads\/pppp_10_10_10_10_10_10_10_2.jpg","url":"https:\/\/www.sras.cz\/wp-content\/uploads\/pppp_10_10_10_10_10_10_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.sras.cz\/prijmy-nejsou-jiste\/","about":["Finance"],"wordCount":429,"articleBody":"   Bylo by ide\u00e1ln\u00ed, kdyby se mohli soukrom\u00ed podnikatel\u00e9 rozhodnout, kolik pen\u011bz si cht\u011bj\u00ed vyd\u011bl\u00e1vat, a m\u011bli jistotu, \u017ee je po odveden\u00ed sv\u00e9 pr\u00e1ce tak\u00e9 dostanou. Jen\u017ee je skute\u010dnost\u00ed, \u017ee tak tomu neb\u00fdv\u00e1. N\u011bkdy se podnikatel\u00e9 sice tak\u00e9 top\u00ed v pen\u011bz\u00edch, jindy ale pro zm\u011bnu str\u00e1daj\u00ed kv\u016fli jejich nedostatku. A to proto, \u017ee ne v\u0161e vych\u00e1z\u00ed v podnik\u00e1n\u00ed tak, jak by to vych\u00e1zet m\u011blo. A kdy\u017e se situace zkomplikuje, m\u00edv\u00e1 to vliv i na ekonomick\u00e9 v\u00fdsledky, jich\u017e se podnik\u00e1n\u00edm dosahuje a kter\u00e9 t\u00edm p\u00e1dem nemus\u00ed b\u00fdt ani zdaleka tak dobr\u00e9, jak by m\u011bly b\u00fdt.N\u011bkdy se prost\u011b podnikatel\u00e9 \u010din\u00ed, ale pen\u00edze si t\u00edm nevyd\u011blaj\u00ed. Nebo jich je znateln\u011b m\u00e9n\u011b, ne\u017e kolik by jich m\u011blo b\u00fdt. A potom u\u017e podnik\u00e1n\u00ed nem\u016f\u017ee fungovat tak, jak by fungovat m\u011blo, dokud se nese\u017eenou pen\u00edze dal\u0161\u00ed. A jak se tyto daj\u00ed sehnat? \u010casto u\u017e bohu\u017eel jenom v podob\u011b p\u016fj\u010dky. Kdy\u017e si chce podnikatel p\u016fj\u010dku vz\u00edt, m\u016f\u017ee o ni pochopiteln\u011b po\u017e\u00e1dat v tom finan\u010dn\u00edm \u00fastavu, pro kter\u00fd se rozhodne. Jen\u017ee nikde nen\u00ed ps\u00e1no, \u017ee po po\u017e\u00e1d\u00e1n\u00ed vytou\u017eenou p\u016fj\u010dku dostane. P\u016fj\u010dky jsou tu toti\u017e dostupn\u00e9 jenom t\u011bm, kdo je dok\u00e1\u017eou splatit a dodr\u017eet v\u0161echny podm\u00ednky, je\u017e se k p\u016fj\u010dk\u00e1m vztahuj\u00ed. A to je pr\u00e1v\u011b pro lidi s finan\u010dn\u00edmi pot\u00ed\u017eemi probl\u00e9m. Podnikatel\u00e9, jim\u017e se zrovna neda\u0159\u00ed, t\u011b\u017eko dolo\u017e\u00ed, \u017ee se jim ekonomicky da\u0159\u00ed, \u017ee maj\u00ed dost velk\u00e9 p\u0159\u00edjmy. A mnoz\u00ed z nich m\u00edvaj\u00ed i z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, co\u017e rovn\u011b\u017e br\u00e1n\u00ed v z\u00edsk\u00e1n\u00ed bankovn\u00edch p\u016fj\u010dek. A kdy\u017e n\u011bkdo p\u016fj\u010dku pot\u0159ebuje, ale na tu bankovn\u00ed nedos\u00e1hne? Pak je jedin\u00fdm mo\u017en\u00fdm \u0159e\u0161en\u00edm nebankovn\u00ed hypot\u00e9ka, kter\u00e1 se d\u00edky odli\u0161n\u00e9mu zp\u016fsobu zaru\u010den\u00ed spl\u00e1cen\u00ed z\u00edsk\u00e1v\u00e1 daleko sn\u00e1ze ne\u017e bankovn\u00ed p\u016fj\u010dky. Sta\u010d\u00ed tu m\u00edt jenom nemovitost, kterou by bylo mo\u017en\u00e9 d\u00e1t do z\u00e1stavy, a r\u00e1zem nic nebr\u00e1n\u00ed z\u00edsk\u00e1n\u00ed po\u017eadovan\u00e9 p\u016fj\u010dky. A to v\u00fdhodn\u011b a rychle. A proto zachra\u0148uje americk\u00e1 hypot\u00e9ka bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjm\u016f spousty na\u0161ich firem a podnikatel\u016f.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u0159\u00edjmy nejsou jist\u00e9","item":"https:\/\/www.sras.cz\/prijmy-nejsou-jiste\/#breadcrumbitem"}]}]