[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hass.cz\/je-podnikatelska-hypoteka-nebezpecna\/#Article","mainEntityOfPage":"https:\/\/www.hass.cz\/je-podnikatelska-hypoteka-nebezpecna\/","headline":"Je podnikatelsk\u00e1 hypot\u00e9ka nebezpe\u010dn\u00e1?","name":"Je podnikatelsk\u00e1 hypot\u00e9ka nebezpe\u010dn\u00e1?","description":"Dnes m\u00e1me mnoho nejr\u016fzn\u011bj\u0161\u00edch druh\u016f a typ\u016f hypot\u00e9k, p\u0159i\u010dem\u017e ka\u017ed\u00fd je ur\u010den pro jinou skupinu klient\u016f. A nemus\u00ed se ani zdaleka jednat v\u017edy o fyzick\u00e9 osoby. Existuje nap\u0159\u00edklad podnikatelsk\u00e1 hypot\u00e9ka, kter\u00e1 je ur\u010dena pr\u00e1v\u011b k tomu, aby za\u010d\u00ednaj\u00edc\u00edm podnikatel\u016fm pomohla v za\u010d\u00e1tc\u00edch. Jednou z v\u011bc\u00ed, kter\u00e9 za\u010d\u00ednaj\u00edc\u00ed firma pot\u0159ebuje, jsou samoz\u0159ejm\u011b prostory, a\u0165 u\u017e ty...","datePublished":"2023-10-13","dateModified":"2023-11-14","author":{"@type":"Person","@id":"https:\/\/www.hass.cz\/author\/#Person","name":"","url":"https:\/\/www.hass.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/91506ed60e31abe586276a3e1420719df081581a820344a28fa2034bb1a2fe22?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hass.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hass.cz\/wp-content\/uploads\/hypoteka8_1.jpg","url":"https:\/\/www.hass.cz\/wp-content\/uploads\/hypoteka8_1.jpg","height":0,"width":0},"url":"https:\/\/www.hass.cz\/je-podnikatelska-hypoteka-nebezpecna\/","about":["Ekonomika"],"wordCount":407,"articleBody":"   Dnes m\u00e1me mnoho nejr\u016fzn\u011bj\u0161\u00edch druh\u016f a typ\u016f hypot\u00e9k, p\u0159i\u010dem\u017e ka\u017ed\u00fd je ur\u010den pro jinou skupinu klient\u016f. A nemus\u00ed se ani zdaleka jednat v\u017edy o fyzick\u00e9 osoby. Existuje nap\u0159\u00edklad podnikatelsk\u00e1 hypot\u00e9ka, kter\u00e1 je ur\u010dena pr\u00e1v\u011b k tomu, aby za\u010d\u00ednaj\u00edc\u00edm podnikatel\u016fm pomohla v za\u010d\u00e1tc\u00edch.Jednou z v\u011bc\u00ed, kter\u00e9 za\u010d\u00ednaj\u00edc\u00ed firma pot\u0159ebuje, jsou samoz\u0159ejm\u011b prostory, a\u0165 u\u017e ty slou\u017e\u00edc\u00ed jako s\u00eddlo firmy, tak i ty v\u00fdrobn\u00ed. A v\u0161ichni v\u00edme, \u017ee nemovitosti dnes nejsou nijak levn\u00e9. Kdy\u017e k tomu nav\u00edc p\u0159ipo\u010d\u00edt\u00e1me i dal\u0161\u00ed n\u00e1klady, kter\u00e9 se zalo\u017een\u00edm firmy souvis\u00ed, jako nap\u0159\u00edklad pot\u0159ebn\u00fd z\u00e1kladn\u00ed kapit\u00e1l, nen\u00ed divu, \u017ee na koupi nemovitosti toho u\u017e moc nezb\u00fdv\u00e1. Nen\u00ed tedy divu, \u017ee si tito lid\u00e9 na tento \u00fa\u010del berou hypot\u00e9ku.A je pravdou, \u017ee pr\u00e1v\u011b ta podnikatelsk\u00e1 m\u00e1 oproti ostatn\u00edm sv\u00e9 jasn\u00e9 v\u00fdhody. V prvn\u00ed \u0159ad\u011b jsou zde mnohem ni\u017e\u0161\u00ed \u00faroky a poplatky. To znamen\u00e1, \u017ee dlu\u017en\u00edk nakonec zaplat\u00ed mnohem m\u00e9n\u011b, ne\u017e kdyby si vzal tu klasickou. I to je ostatn\u011b d\u016fvod, pro\u010d je omezen\u00e1 pouze na pr\u00e1vnick\u00e9 osoby, tedy takov\u00e9, kter\u00e9 maj\u00ed I\u010cO. Pr\u00e1v\u011b pro n\u011b toti\u017e z\u00e1rove\u0148 skr\u00fdv\u00e1 i riziko.Je pravdou, \u017ee podnikatel\u00e9 nemaj\u00ed jist\u00fd st\u00e1l\u00fd p\u0159\u00edjem. Nemnohou dop\u0159edu v\u011bd\u011bt, zda jim jejich podnik\u00e1n\u00ed vyjde, \u010di zda zkrachuj\u00ed. Av\u0161ak a\u0165 u\u017e skon\u010d\u00ed jakkoliv, v\u017edy budou muset smluvenou \u010d\u00e1stku vr\u00e1tit, a to v domluven\u00fdch spl\u00e1tk\u00e1ch.To v podstat\u011b znamen\u00e1, \u017ee pokud si tuto hypot\u00e9ku vezmou, mohou se nakonec ocitnout nam\u00edsto v bohatstv\u00ed v je\u0161t\u011b v\u011bt\u0161\u00edch dluz\u00edch, ne\u017e p\u0159edt\u00edm. A nemus\u00ed to b\u00fdt jen proto, \u017ee jejich podnik\u00e1n\u00ed zkrachuje. Sta\u010d\u00ed jen, kdy\u017e budou vyd\u011bl\u00e1vat p\u0159\u00edli\u0161 m\u00e1lo, ne\u017e aby si mohli dovolit spl\u00e1cet.I proto nemus\u00ed b\u00fdt, navzdory v\u00fdhodn\u00fdm podm\u00ednk\u00e1m, hypot\u00e9ka pro podnikatele tak v\u00fdhodn\u00e1, jak se na prvn\u00ed pohled jev\u00ed. Ne\u017e si o ni za\u017e\u00e1d\u00e1me, je nutn\u00e9 nejprve realisticky zhodnotit na\u0161e mo\u017enosti a schopnosti. Budeme schopni spl\u00e1cet, i kdy\u017e n\u00e1m podnik\u00e1n\u00ed nevyjde? Pokud zn\u00ed odpov\u011b\u010f ne, pak bychom se m\u011bli poohl\u00e9dnout po jin\u00e9m \u0159e\u0161en\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Je podnikatelsk\u00e1 hypot\u00e9ka nebezpe\u010dn\u00e1?","item":"https:\/\/www.hass.cz\/je-podnikatelska-hypoteka-nebezpecna\/#breadcrumbitem"}]}]