[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.praam.cz\/nebankovni-hypoteka-pro-podnikatele\/#Article","mainEntityOfPage":"https:\/\/www.praam.cz\/nebankovni-hypoteka-pro-podnikatele\/","headline":"Nebankovn\u00ed hypot\u00e9ka pro podnikatele","name":"Nebankovn\u00ed hypot\u00e9ka pro podnikatele","description":"Za\u010d\u00ednaj\u00edc\u00ed podnikatel\u00e9, ale i ji\u017e zaveden\u00e9 spole\u010dnosti, se mohou dostat do situace, kdy nemaj\u00ed dostatek kapit\u00e1lu na zam\u00fd\u0161lenou investici. M\u016f\u017ee j\u00edt o prvotn\u00ed investi\u010dn\u00ed v\u00fddaje p\u0159i zakl\u00e1d\u00e1n\u00ed firmy \u2013 kancel\u00e1\u0159 a jej\u00ed vybaven\u00ed, provozovna se za\u0159\u00edzen\u00edm, po\u0159\u00edzen\u00ed v\u00fdrobn\u00edch prost\u0159edk\u016f a materi\u00e1lu, firemn\u00ed vozidla, a podobn\u011b. Anebo se m\u016f\u017ee st\u00e1t doposud dob\u0159e prosperuj\u00edc\u00edmu podnikateli, \u017ee trh […]","datePublished":"2020-08-11","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.praam.cz\/author\/#Person","name":"","url":"https:\/\/www.praam.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"praam.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.praam.cz\/wp-content\/uploads\/business-561388_960_720.jpg","url":"https:\/\/www.praam.cz\/wp-content\/uploads\/business-561388_960_720.jpg","height":0,"width":0},"url":"https:\/\/www.praam.cz\/nebankovni-hypoteka-pro-podnikatele\/","about":["Pen\u00edze"],"wordCount":387,"articleBody":"       Za\u010d\u00ednaj\u00edc\u00ed podnikatel\u00e9, ale i ji\u017e zaveden\u00e9 spole\u010dnosti, se mohou dostat do situace, kdy nemaj\u00ed dostatek kapit\u00e1lu na zam\u00fd\u0161lenou investici. M\u016f\u017ee j\u00edt o prvotn\u00ed investi\u010dn\u00ed v\u00fddaje p\u0159i zakl\u00e1d\u00e1n\u00ed firmy \u2013 kancel\u00e1\u0159 a jej\u00ed vybaven\u00ed, provozovna se za\u0159\u00edzen\u00edm, po\u0159\u00edzen\u00ed v\u00fdrobn\u00edch prost\u0159edk\u016f a materi\u00e1lu, firemn\u00ed vozidla, a podobn\u011b. Anebo se m\u016f\u017ee st\u00e1t doposud dob\u0159e prosperuj\u00edc\u00edmu podnikateli, \u017ee trh bude jeho produkty \u010di slu\u017ebami p\u0159esycen, odbyt se zastav\u00ed a podnikatel se dostane do ztr\u00e1ty. Pak bude nutn\u00e1 investice na rozjezd nov\u00e9ho projektu, kter\u00fd by firmu op\u011bt postavil na nohy.V takov\u00fdch situac\u00edch se podnikatel\u00e9 obrac\u00ed na banky se \u017e\u00e1dost\u00ed o podnikatelsk\u00fd \u00fav\u011br \u010di hypot\u00e9ku, av\u0161ak ne v\u017edy jim banka vyhov\u00ed. Nem\u00e1-li podnikaj\u00edc\u00ed fyzick\u00e1 osoba dostate\u010dn\u00e9 p\u0159\u00edjmy, anebo je dokonce ve ztr\u00e1t\u011b a m\u00e1 dluhy, obvykle nezb\u00fdv\u00e1 nic jin\u00e9ho ne\u017e se obr\u00e1tit na jinou finan\u010dn\u00ed instituci \u2013 zpravidla nebankovn\u00ed, kter\u00e1 posuzuje podnikatele z jin\u00e9ho \u00fahlu pohledu a podle jin\u00fdch krit\u00e9ri\u00ed. A tak p\u0159ich\u00e1z\u00ed na \u0159adu nebankovn\u00ed hypot\u00e9ka pro podnikatele. Tento finan\u010dn\u00ed produkt mohou z\u00edskat i ti, kte\u0159\u00ed u banky z jak\u00e9hokoliv d\u016fvodu neusp\u011bli. U na\u0161\u00ed spole\u010dnosti, kter\u00e1 je finan\u010dn\u00edm a hypote\u010dn\u00edm domem, nemus\u00ed \u017eadatel prokazovat p\u0159emr\u0161t\u011bn\u011b vysok\u00e9 p\u0159\u00edjmy, z\u00edskat hypot\u00e9ku mohou i ti, co maj\u00ed z\u00e1znam v registru dlu\u017en\u00edk\u016f, \u010di podnikaj\u00edc\u00ed fyzick\u00e9 osoby, na n\u011b\u017e byla uvalena exekuce. Podm\u00ednkou poskytnut\u00ed hypot\u00e9ky je b\u00fdt vlastn\u00edkem jak\u00e9koliv nemovitosti na \u00fazem\u00ed \u010cR. M\u016f\u017ee to b\u00fdt d\u016fm, chata, byt, komer\u010dn\u00ed objekt nebo pozemky. Po dobu spl\u00e1cen\u00ed hypot\u00e9ky bude nemovitost v z\u00e1stav\u011b, co\u017e znamen\u00e1, \u017ee na Katastr\u00e1ln\u00edm \u00fa\u0159adu bude u vlastnictv\u00ed dan\u00e9 nemovitosti zaps\u00e1no z\u00e1stavn\u00ed pr\u00e1vo. O hypot\u00e9ku si m\u016f\u017ee podnikatel \u2013 OSV\u010c i pr\u00e1vnick\u00e1 osoba \u2013 za\u017e\u00e1dat online, z\u00e1rove\u0148 s fotografi\u00ed nemovitosti, kter\u00e1 bude slou\u017eit coby z\u00e1stava. N\u00e1sledn\u011b prob\u011bhne jej\u00ed ocen\u011bn\u00ed a podnikatel m\u016f\u017ee z\u00edskat a\u017e 70 % odhadn\u00ed ceny, t\u0159eba i s t\u0159icetiletou dobou spl\u00e1cen\u00ed hypot\u00e9ky.                                                                                                                                                                                                                                                                                                                                                                                          3.6\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nebankovn\u00ed hypot\u00e9ka pro podnikatele","item":"https:\/\/www.praam.cz\/nebankovni-hypoteka-pro-podnikatele\/#breadcrumbitem"}]}]