[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.auria.cz\/jaka-specifika-ma-podnikatelska-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.auria.cz\/jaka-specifika-ma-podnikatelska-hypoteka\/","headline":"Jak\u00e1 specifika m\u00e1 podnikatelsk\u00e1 hypot\u00e9ka","name":"Jak\u00e1 specifika m\u00e1 podnikatelsk\u00e1 hypot\u00e9ka","description":"V dne\u0161n\u00ed dob\u011b je \u010d\u00edm d\u00e1l jasn\u011bj\u0161\u00ed, \u017ee koup\u011b nemovitosti je velmi dobr\u00e1 investice. A a\u010dkoliv to nejvhodn\u011bj\u0161\u00ed obdob\u00ed pro jejich koupi ji\u017e pominulo, st\u00e1le se v dlouhodob\u00e9m horizontu vyplat\u00ed. Probl\u00e9mem v\u0161ak je, zvl\u00e1\u0161t\u011b s jejich rostouc\u00ed cenou, sehn\u00e1n\u00ed pot\u0159ebn\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f. To si dob\u0159e uv\u011bdomuj\u00ed p\u0159edev\u0161\u00edm podnikatel\u00e9, pro kter\u00e9 je kone\u010dn\u00e9 dosa\u017een\u00ed co nejvy\u0161\u0161\u00edho […]","datePublished":"2022-02-09","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.auria.cz\/author\/#Person","name":"","url":"https:\/\/www.auria.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2d2764a424a89ac38785df784051989f5c5cb264a2405c7e5d24c1907a83f0fb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"auria.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.auria.cz\/wp-content\/uploads\/hypoteka5_10_10_10_10_10_8.jpg","url":"https:\/\/www.auria.cz\/wp-content\/uploads\/hypoteka5_10_10_10_10_10_8.jpg","height":0,"width":0},"url":"https:\/\/www.auria.cz\/jaka-specifika-ma-podnikatelska-hypoteka\/","about":["Finance"],"wordCount":408,"articleBody":"   V dne\u0161n\u00ed dob\u011b je \u010d\u00edm d\u00e1l jasn\u011bj\u0161\u00ed, \u017ee koup\u011b nemovitosti je velmi dobr\u00e1 investice. A a\u010dkoliv to nejvhodn\u011bj\u0161\u00ed obdob\u00ed pro jejich koupi ji\u017e pominulo, st\u00e1le se v dlouhodob\u00e9m horizontu vyplat\u00ed. Probl\u00e9mem v\u0161ak je, zvl\u00e1\u0161t\u011b s jejich rostouc\u00ed cenou, sehn\u00e1n\u00ed pot\u0159ebn\u00fdch finan\u010dn\u00edch prost\u0159edk\u016f.To si dob\u0159e uv\u011bdomuj\u00ed p\u0159edev\u0161\u00edm podnikatel\u00e9, pro kter\u00e9 je kone\u010dn\u00e9 dosa\u017een\u00ed co nejvy\u0161\u0161\u00edho zisku prioritou. Nen\u00ed tedy divu, \u017ee se podnikatelsk\u00e1 hypot\u00e9ka t\u011b\u0161\u00ed takov\u00e9 oblib\u011b. Ta sice funguje na stejn\u00e9m principu jako ta klasick\u00e1, av\u0161ak jsou zde ur\u010dit\u00e9 odli\u0161nosti.Tou prvn\u00ed je v\u00fd\u0161e \u00farokov\u00e9 sazby. Ta b\u00fdv\u00e1 ni\u017e\u0161\u00ed, av\u0161ak na druhou stranu jsou zde p\u0159\u00edsn\u011bj\u0161\u00ed podm\u00ednky p\u0159ijet\u00ed \u017e\u00e1dosti a tak\u00e9 postihy za poru\u0161en\u00ed smluvn\u00edch podm\u00ednek, nap\u0159\u00edklad neplacen\u00edm. Ty zahrnuj\u00ed nejen zabaven\u00ed p\u0159edm\u011btn\u00e9 nemovitosti, ale velmi \u010dasto tak\u00e9 tu\u010dnou pokutu.Tu mus\u00ed zaplatit firma, nebo\u0165 ta je dlu\u017en\u00edkem, nikoliv jej\u00ed majitel. A zde je dal\u0161\u00ed rozd\u00edl. \u017d\u00e1dost m\u016f\u017ee podat pouze pr\u00e1vnick\u00e1 osoba, a nam\u00edsto rodn\u00e9ho \u010d\u00edsla se zde uv\u00e1d\u00ed I\u010cO. I to je d\u016fvod, pro\u010d na ni b\u011b\u017en\u00ed lid\u00e9 nemaj\u00ed n\u00e1rok.Je pravdou, \u017ee je d\u011bl\u00e1na tak, aby podnikatel\u016fm co nejv\u00edce vyhovovala. Maj\u00ed zde nap\u0159\u00edklad mo\u017enosti odlo\u017een\u00ed spl\u00e1tek pro p\u0159\u00edpad, \u017ee se jim v ur\u010dit\u00e9m m\u011bs\u00edci nebude da\u0159it tak, jak by si p\u0159edstavovali. Samoz\u0159ejm\u011b to znamen\u00e1, \u017ee se doba spl\u00e1cen\u00ed o ten m\u011bs\u00edc prodlou\u017e\u00ed, co\u017e je nutn\u00e9 m\u00edt na pam\u011bti v\u017edy, kdy\u017e o tuto slu\u017ebu po\u017e\u00e1d\u00e1me.Samoz\u0159ejm\u011b vzhledem k vysok\u00fdm \u010d\u00e1stk\u00e1m a s t\u00edm souvisej\u00edc\u00ed dlouh\u00e9 dob\u011b spl\u00e1cen\u00ed je dost dob\u0159e mo\u017en\u00e9, \u017ee firma b\u011bhem t\u00e9 doby zkrachuje. V takov\u00e9mto p\u0159\u00edpad\u011b bude dlu\u017en\u00e1 \u010d\u00e1stka vym\u00e1h\u00e1na po majiteli \u010di majitel\u00edch v rovn\u00e9m pom\u011bru.Je jasn\u00e9, \u017ee firma pot\u0159ebuje prostory pro v\u00fdrobu sv\u00fdch produkt\u016f, p\u0159\u00edpadn\u011b pro sv\u00e9 kancel\u00e1\u0159e. Ot\u00e1zkou v\u0161ak je, zda se skute\u010dn\u011b vyplat\u00ed vz\u00edt si na n\u011b hypot\u00e9ku. Pokud toti\u017e na\u0161e podnik\u00e1n\u00ed nep\u016fjde tak, jak jsme si p\u0159edstavovali, n\u00e1sledky budou pom\u011brn\u011b tvrd\u00e9.                                                                                                                                                                                                                                                                                                                                                                                          5\/5 - (1 vote)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e1 specifika m\u00e1 podnikatelsk\u00e1 hypot\u00e9ka","item":"https:\/\/www.auria.cz\/jaka-specifika-ma-podnikatelska-hypoteka\/#breadcrumbitem"}]}]