[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rotoml.cz\/hypoteka-po-dluzich\/#Article","mainEntityOfPage":"https:\/\/www.rotoml.cz\/hypoteka-po-dluzich\/","headline":"Hypot\u00e9ka po dluz\u00edch","name":"Hypot\u00e9ka po dluz\u00edch","description":"Firemn\u00ed krach U podnik\u00e1n\u00ed bohu\u017eel mus\u00edme po\u010d\u00edtat s t\u00edm, \u017ee p\u0159in\u00e1\u0161\u00ed \u0159adu n\u00e1strah, tak\u017ee bychom m\u011bli b\u00fdt dob\u0159e p\u0159ipraven\u00ed. To znamen\u00e1 m\u00edt na firemn\u00edm...","datePublished":"2023-05-29","dateModified":"2023-06-30","author":{"@type":"Person","@id":"https:\/\/www.rotoml.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.rotoml.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1aa4d33840e2afc29128e2a456d425ca0d17b173c888af2db652b1d34fe6f93d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rotoml.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rotoml.cz\/wp-content\/uploads\/pexels-mikhail-nilov-7731323_1.jpg","url":"https:\/\/www.rotoml.cz\/wp-content\/uploads\/pexels-mikhail-nilov-7731323_1.jpg","height":0,"width":0},"url":"https:\/\/www.rotoml.cz\/hypoteka-po-dluzich\/","about":["Pen\u00edze"],"wordCount":437,"articleBody":"      Firemn\u00ed krachU podnik\u00e1n\u00ed bohu\u017eel mus\u00edme po\u010d\u00edtat s t\u00edm, \u017ee p\u0159in\u00e1\u0161\u00ed \u0159adu n\u00e1strah, tak\u017ee bychom m\u011bli b\u00fdt dob\u0159e p\u0159ipraven\u00ed. To znamen\u00e1 m\u00edt na firemn\u00edm \u00fa\u010dtu jistou rezervu, abychom dok\u00e1zali p\u0159i velk\u00e9m poklesu p\u0159\u00edjm\u016f p\u0159e\u017e\u00edt a oto\u010dit tento stav do plusov\u00fdch \u010d\u00edsel. Bohu\u017eel i kdy\u017e se budeme dost sna\u017eit, tak to nemus\u00ed dopadnout dob\u0159e. V takov\u00e9m p\u0159\u00edpad\u011b je zapot\u0159eb\u00ed \u0159e\u0161it insolvenci, abychom minimalizovali dopady ne\u00fasp\u011bchu. Kdy\u017e m\u00e1me t\u0159eba p\u00e1r dn\u00ed po splatnosti, tak je\u0161t\u011b nejsme pova\u017eov\u00e1ni za firmu v likvidaci. Ta nast\u00e1v\u00e1 p\u0159i dlouhodob\u00e9  https:\/\/www.investujeme.cz\/clanky\/dlouhodobe-investice-jake-nastroje-vyuzit\/ neschopnosti spl\u00e1cet pohled\u00e1vky, a nav\u00edc spl\u0148uje podm\u00ednku, \u017ee dluhy jsou v\u011bt\u0161\u00ed ne\u017e majetek firmy. Jak se to \u0159e\u0161\u00ed? Jestli\u017ee u\u017e podnik\u00e1n\u00ed nelze zachr\u00e1nit, tak p\u0159ich\u00e1z\u00ed f\u00e1ze zpen\u011b\u017een\u00ed, kdy se sna\u017e\u00edme z toho, co zbylo vyt\u0159\u00edskat co nejv\u00edce pen\u011bz. Dluhy v\u0161ak jen tak nezmiz\u00ed, proto\u017ee je budeme muset splatit, a to t\u0159eba p\u0159es spl\u00e1tkov\u00fd kalend\u00e1\u0159. P\u0159es tohle obdob\u00ed nen\u00ed snadn\u00e9 se dostat, ale mus\u00edme to vydr\u017eet a klidn\u011b potom za\u010d\u00edt zase s \u010dist\u00fdm \u0161t\u00edtem.P\u016fj\u010den\u00ed financ\u00edKdy\u017e v\u0161e splat\u00edme, tak bychom si mohli \u0159\u00edct, \u017ee cel\u00e1 tahle kapitola u\u017e je za n\u00e1mi. Ono tomu v\u0161ak \u00fapln\u011b tak nen\u00ed. Probl\u00e9m je toti\u017e v tom, \u017ee kdy\u017e nespl\u00e1c\u00edme sv\u00e9 z\u00e1vazky, tak jsme zaps\u00e1n\u00ed do rejst\u0159\u00edku dlu\u017en\u00edk\u016f. Ten je tu z prost\u00e9ho d\u016fvodu. Instituce, kter\u00e9 pracuj\u00ed s pen\u011bzi jako jsou banky toti\u017e od sv\u00fdch klient\u016f, j\u00edm\u017e p\u016fj\u010d\u00ed pen\u00edze pot\u0159ebuji tuto \u010d\u00e1stku zp\u011bt plus \u00faroky, aby m\u011bli na \u010dem vyd\u011bl\u00e1vat. Z\u00e1znam v rejst\u0159\u00edku je pro n\u011b tedy velk\u00fdm vyk\u0159i\u010dn\u00edkem, kter\u00fd jim \u0159\u00edk\u00e1, \u017ee klient mo\u017en\u00e1 nebude plnit sv\u00e9 z\u00e1vazky, tak\u017ee odn\u011bt\u00ed daj\u00ed mnohdy ruky pry\u010d. Jsou v\u0161ak i lid\u00e9, kte\u0159\u00ed insolvenci vy\u0159e\u0161ili, nyn\u00ed maj\u00ed stabiln\u00ed p\u0159\u00edjem a cht\u011bli by si vz\u00edt hypot\u00e9ku. Pro n\u011b je rozhodn\u011b vhodn\u00e1 hypot\u00e9ka po insolvenci, proto\u017ee zde sice tak\u00e9 do rejst\u0159\u00edku nahl\u00ed\u017e\u00ed, ale jsou v\u016f\u010di sv\u00fdm klient\u016fm mnohem tolerantn\u011bj\u0161\u00ed. Vykoupeno je to vy\u0161\u0161\u00edm \u00farokem, tak\u017ee se sami mus\u00edte rozhodnout, zda do takov\u00e9 nab\u00eddky j\u00edt.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (11 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Hypot\u00e9ka po dluz\u00edch","item":"https:\/\/www.rotoml.cz\/hypoteka-po-dluzich\/#breadcrumbitem"}]}]