[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.baxim.cz\/jak-zvladnout-financni-tezkosti\/#Article","mainEntityOfPage":"https:\/\/www.baxim.cz\/jak-zvladnout-financni-tezkosti\/","headline":"Jak zvl\u00e1dnout finan\u010dn\u00ed t\u011b\u017ekosti?","name":"Jak zvl\u00e1dnout finan\u010dn\u00ed t\u011b\u017ekosti?","description":"V soukrom\u00e9m podnik\u00e1n\u00ed \u010dlov\u011bk nem\u00e1 pr\u00e1v\u011b mnoho jistot. Tou nejv\u011bt\u0161\u00ed jistotou je tu skute\u010dnost, \u017ee tu snad nikdy nic jist\u00e9 nen\u00ed. A to se bohu\u017eel t\u00fdk\u00e1 i p\u0159\u00edjm\u016f, kter\u00e9 takov\u00e9 podnik\u00e1n\u00ed p\u0159in\u00e1\u0161\u00ed, respektive kter\u00e9 by m\u011blo p\u0159in\u00e1\u0161et. Podnik\u00e1 se proto, aby si na sebe \u010dlov\u011bk vyd\u011blal, jen\u017ee takov\u00e9 zisky maj\u00ed nejednou i hodn\u011b daleko k...<p class=\"more-link-wrap\"><a href=\"https:\/\/www.baxim.cz\/jak-zvladnout-financni-tezkosti\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> &ldquo;Jak zvl\u00e1dnout finan\u010dn\u00ed t\u011b\u017ekosti?&rdquo;<\/span> &raquo;<\/a><\/p>","datePublished":"2023-02-27","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.baxim.cz\/author\/#Person","name":"","url":"https:\/\/www.baxim.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8ee00db67df6a380981db2e33f97d2fa79637c4880a83f2a0ac4c29b5bb179e1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"baxim.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.baxim.cz\/wp-content\/uploads\/cash-1270302_960_720.jpg","url":"https:\/\/www.baxim.cz\/wp-content\/uploads\/cash-1270302_960_720.jpg","height":0,"width":0},"url":"https:\/\/www.baxim.cz\/jak-zvladnout-financni-tezkosti\/","about":["Pen\u00edze"],"wordCount":421,"articleBody":"   V soukrom\u00e9m podnik\u00e1n\u00ed \u010dlov\u011bk nem\u00e1 pr\u00e1v\u011b mnoho jistot. Tou nejv\u011bt\u0161\u00ed jistotou je tu skute\u010dnost, \u017ee tu snad nikdy nic jist\u00e9 nen\u00ed. A to se bohu\u017eel t\u00fdk\u00e1 i p\u0159\u00edjm\u016f, kter\u00e9 takov\u00e9 podnik\u00e1n\u00ed p\u0159in\u00e1\u0161\u00ed, respektive kter\u00e9 by m\u011blo p\u0159in\u00e1\u0161et. Podnik\u00e1 se proto, aby si na sebe \u010dlov\u011bk vyd\u011blal, jen\u017ee takov\u00e9 zisky maj\u00ed nejednou i hodn\u011b daleko k ide\u00e1lu. A \u010d\u00edm m\u00e9n\u011b se tu vyd\u011bl\u00e1v\u00e1 a \u010d\u00edm v\u00edce jsou pen\u00edze postr\u00e1d\u00e1ny, t\u00edm m\u00e9n\u011b lze podnikateli jeho \u017eivot z\u00e1vid\u011bt.A kdy\u017e pak n\u011bkdo takov\u00fd p\u0159estane svoji situaci zvl\u00e1dat, kdy\u017e u\u017e nem\u00e1 prost\u0159edky na to, aby mohl d\u00e1l norm\u00e1ln\u011b \u017e\u00edt a pracovat? Co pak?Pak u\u017e \u010dasto dok\u00e1\u017ee takov\u00fd byznys spasit jedin\u011b podnikatelsk\u00e1 p\u016fj\u010dka, kterou lze vyu\u017e\u00edt pro investov\u00e1n\u00ed do toho, co se nepovedlo a co se mus\u00ed napravit.Jen\u017ee i s p\u016fj\u010dkami mohou b\u00fdt \u010dasto probl\u00e9my. Nedokonal\u00ed \u017eadatel\u00e9 z \u0159ad podnikatel\u016f, tedy ti, kdo maj\u00ed n\u00edzk\u00e9 p\u0159\u00edjmy a t\u00edm p\u00e1dem i \u0161patn\u011b vypadaj\u00edc\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed a z\u00e1znamy v registrech dlu\u017en\u00edk\u016f, mohou i u p\u016fj\u010dek dopadnout jako oni zn\u00e1m\u00ed sedl\u00e1ci u Chlumce. Tedy nemus\u00ed dostat ani korunu. Pokud banka na z\u00e1klad\u011b p\u0159edlo\u017een\u00e9 po\u017eadovan\u00e9 dokumentace usoud\u00ed, \u017ee nen\u00ed podnikatel bonitn\u00ed, \u017ee mo\u017en\u00e1 nebude schopn\u00fd p\u016fj\u010den\u00e9 prost\u0159edky spl\u00e1cet, nep\u016fj\u010d\u00ed mu. To se st\u00e1v\u00e1. A stane-li se to v jedn\u00e9 bance, stane se to obvykle i v bank\u00e1ch jin\u00fdch. Proto\u017ee jsou v\u0161ichni bankovn\u00ed \u00fa\u0159edn\u00edci obdobn\u011b podez\u0159\u00edvav\u00ed.A nep\u016fj\u010d\u00ed-li podnikateli v bance? Co mu potom je\u0161t\u011b zb\u00fdv\u00e1, nechce-li kv\u016fli nedostatku finan\u010dn\u00edch prost\u0159edk\u016f zbankrotovat? Pak tomuto zb\u00fdv\u00e1 snad u\u017e jenom hypot\u00e9ka bez p\u0159\u00edjmu. Tu toti\u017e m\u016f\u017ee dostat ka\u017ed\u00fd soukromn\u00edk, kter\u00fd se za ni zaru\u010d\u00ed nemovitost\u00ed. S nemovitou z\u00e1rukou tu nen\u00ed probl\u00e9m usp\u011bt, proto\u017ee ta je dostate\u010dn\u00e1. A d\u00edky n\u00ed si lze p\u016fj\u010dit pen\u00edze t\u0159eba i na t\u0159i des\u00edtky let, a to dokonce za v\u00fdhodn\u00fdch podm\u00ednek. Co\u017e se pochopiteln\u011b \u010dasto hod\u00ed. Proto\u017ee nevyd\u011bl\u00e1-li si podnikatel dost pen\u011bz, n\u011bkde si k nim p\u0159ij\u00edt mus\u00ed. A nikdo jin\u00fd mu je ned\u00e1.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak zvl\u00e1dnout finan\u010dn\u00ed t\u011b\u017ekosti?","item":"https:\/\/www.baxim.cz\/jak-zvladnout-financni-tezkosti\/#breadcrumbitem"}]}]