[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/teit.cz\/nekdy-to-bez-pujcek-nejde\/#Article","mainEntityOfPage":"https:\/\/teit.cz\/nekdy-to-bez-pujcek-nejde\/","headline":"N\u011bkdy to bez p\u016fj\u010dek nejde","name":"N\u011bkdy to bez p\u016fj\u010dek nejde","description":"Rozhodnout se, \u017ee se staneme podnikateli, a st\u00e1t se jimi, ani\u017e bychom u\u017e p\u0159edem v\u011bd\u011bli, co konkr\u00e9tn\u011b hodl\u00e1me d\u011blat, by byla hloupost. V takov\u00e9m p\u0159\u00edpad\u011b bychom zkou\u0161eli v\u0161echno mo\u017en\u00e9, v\u010detn\u011b toho, v \u010dem nejsme dob\u0159\u00ed, d\u011blali bychom chyby a n\u00e1sledn\u011b na n\u011b dopl\u00e1celi a\u017e do chv\u00edle, kdy bychom to vzdali, proto\u017ee by to tak u\u017e … ","datePublished":"2026-02-01","dateModified":"2026-02-01","author":{"@type":"Person","@id":"https:\/\/teit.cz\/author\/#Person","name":"","url":"https:\/\/teit.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2e3fdaba6370eba756fb4048c695326686ff29010a0df4d58b27c20544521d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"teit.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/teit.cz\/wp-content\/uploads\/pppppppppppppppppppppppppp_10_10_10_10_5.jpg","url":"https:\/\/teit.cz\/wp-content\/uploads\/pppppppppppppppppppppppppp_10_10_10_10_5.jpg","height":0,"width":0},"url":"https:\/\/teit.cz\/nekdy-to-bez-pujcek-nejde\/","wordCount":424,"articleBody":"            Rozhodnout se, \u017ee se staneme podnikateli, a st\u00e1t se jimi, ani\u017e bychom u\u017e p\u0159edem v\u011bd\u011bli, co konkr\u00e9tn\u011b hodl\u00e1me d\u011blat, by byla hloupost. V takov\u00e9m p\u0159\u00edpad\u011b bychom zkou\u0161eli v\u0161echno mo\u017en\u00e9, v\u010detn\u011b toho, v \u010dem nejsme dob\u0159\u00ed, d\u011blali bychom chyby a n\u00e1sledn\u011b na n\u011b dopl\u00e1celi a\u017e do chv\u00edle, kdy bychom to vzdali, proto\u017ee by to tak u\u017e d\u00e1l ne\u0161lo. Ale ani i kdy\u017e si to dob\u0159e promysl\u00edme, v\u0161e napl\u00e1nujeme a sna\u017e\u00edme se prosadit v oboru, pro kter\u00fd m\u00e1me v\u0161echny p\u0159edpoklady, nemus\u00edme n\u011bkdy slavit podnikatelsk\u00e9 \u00fasp\u011bchy. I tehdy se m\u016f\u017ee na\u0161e situace v\u0161\u00edm mo\u017en\u00fdm zkomplikovat. A to pak vede k tomu, \u017ee m\u00e1me coby podnikatel\u00e9 m\u00e1lo pen\u011bz. A za m\u00e1lo pen\u011bz nebo dokonce prod\u011ble\u010dn\u011b nem\u00e1 smysl podnikat.Je ale jasn\u00e9, \u017ee kdy\u017e se dostaneme coby podnikatel\u00e9 do finan\u010dn\u00edch probl\u00e9m\u016f, nem\u016f\u017eeme jenom tak rezignovat. Opravdov\u00ed podnikatel\u00e9 to samoz\u0159ejm\u011b vzdaj\u00ed ve chv\u00edli, kdy je jasn\u00e9, \u017ee u\u017e se jejich podnik\u00e1n\u00ed nepostav\u00ed na nohy, ale dokud je tu aspo\u0148 mal\u00e1 nad\u011bje na zm\u011bnu k lep\u0161\u00edmu, zkou\u0161ej\u00ed sv\u00e9 podniky zachr\u00e1nit, jak to jenom jde. A proto\u017ee jim \u010dasto sch\u00e1zej\u00ed pen\u00edze, mus\u00ed uva\u017eovat i o tom, kde si vz\u00edt jakou p\u016fj\u010dku.A k \u010demu dosp\u011bj\u00ed? Pokud k n\u00e1zoru, \u017ee zajdou n\u011bkam do banky a tam si vyberou, mus\u00ed po\u010d\u00edtat s t\u00edm, \u017ee usp\u011bj\u00ed jedin\u011b tehdy, pokud jsou na tom docela dob\u0159e. Tedy mus\u00ed m\u00edt takov\u00e9 p\u0159\u00edjmy, jak\u00e9 budou podle bankovn\u00edch \u00fa\u0159edn\u00edk\u016f dostate\u010dn\u00e9, a tak\u00e9 mus\u00ed m\u00edt \u010dist\u00e9 registry dlu\u017en\u00edk\u016f. Jinak budou m\u00edt sm\u016flu.Jen\u017ee co maj\u00ed d\u011blat ti, kdo nejsou pro banky dost dob\u0159\u00ed a nemaj\u00ed tam tedy \u0161anci usp\u011bt? Pro ty je tu v p\u0159\u00edpad\u011b, \u017ee vlastn\u00ed aspo\u0148 n\u011bjak\u00fd nemovit\u00fd majetek, nebankovn\u00ed hypot\u00e9ka. U kter\u00e9 usp\u011bj\u00ed i ti, jim\u017e by v bance \u0161t\u011bst\u00ed nep\u0159\u00e1lo. A to pr\u00e1v\u011b proto, \u017ee je nemovitost dost dobrou z\u00e1rukou spl\u00e1cen\u00ed. Tak dobrou, \u017ee se daj\u00ed mnoh\u00e9 nedostatky \u017eadatel\u016f ignorovat.Kdy\u017e tedy n\u011bkdo pot\u0159ebuje p\u016fj\u010dit, je pro n\u011bj \u010dasto americk\u00e1 hypot\u00e9ka bez dolo\u017een\u00ed p\u0159\u00edjmu dokonalou nab\u00eddkou. A i u v\u00e1s to m\u016f\u017ee b\u00fdt tak.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"N\u011bkdy to bez p\u016fj\u010dek nejde","item":"https:\/\/teit.cz\/nekdy-to-bez-pujcek-nejde\/#breadcrumbitem"}]}]