[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/podnikatelova-cesta-za-hypotekou\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/podnikatelova-cesta-za-hypotekou\/","headline":"Podnikatelova cesta za hypot\u00e9kou","name":"Podnikatelova cesta za hypot\u00e9kou","description":"Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9, tedy \u017eivnostn\u00edci, kte\u0159\u00ed nemaj\u00ed \u017e\u00e1dnou smlouvu o zam\u011bstn\u00e1n\u00ed, maj\u00ed nejv\u011bt\u0161\u00ed probl\u00e9m sehnat \u00fav\u011br na bydlen\u00ed. D\u016fvodem je da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, na kter\u00e9 banky v\u011bt\u0161inou neuzn\u00e1vaj\u00ed, p\u0159epo\u010d\u00edt\u00e1vaj\u00ed p\u0159\u00edjem, handrkuj\u00ed se o to, jak\u00e9 je \u010dist\u00e1 mzda. Dokonce se st\u00e1v\u00e1, \u017ee se v ka\u017ed\u00e9 bance dozv\u00edte, \u017ee m\u00e1te jin\u00fd \u010dist\u00fd p\u0159\u00edjem. \u010cist\u00fd p\u0159\u00edjem, kter\u00fd banka …

Podnikatelova cesta za hypot\u00e9kou<\/span> Pokra\u010dovat ve \u010dten\u00ed »<\/a><\/p>","datePublished":"2016-10-04","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a277630_w1991_t1601806736.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a277630_w1991_t1601806736.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/podnikatelova-cesta-za-hypotekou\/","about":["Hypot\u00e9ky"],"wordCount":452,"articleBody":"Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9, tedy \u017eivnostn\u00edci, kte\u0159\u00ed nemaj\u00ed \u017e\u00e1dnou smlouvu o zam\u011bstn\u00e1n\u00ed, maj\u00ed nejv\u011bt\u0161\u00ed probl\u00e9m sehnat \u00fav\u011br na bydlen\u00ed. D\u016fvodem je da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, na kter\u00e9 banky v\u011bt\u0161inou neuzn\u00e1vaj\u00ed, p\u0159epo\u010d\u00edt\u00e1vaj\u00ed p\u0159\u00edjem, handrkuj\u00ed se o to, jak\u00e9 je \u010dist\u00e1 mzda. Dokonce se st\u00e1v\u00e1, \u017ee se v ka\u017ed\u00e9 bance dozv\u00edte, \u017ee m\u00e1te jin\u00fd \u010dist\u00fd p\u0159\u00edjem.\u010cist\u00fd p\u0159\u00edjem, kter\u00fd banka vypo\u010d\u00edt\u00e1v\u00e1 z da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed podnikatele, je hlavn\u00ed oporou pro vym\u011b\u0159en\u00ed hypot\u00e9ky. Na rozd\u00edl od zam\u011bstnance, kter\u00fd m\u00e1 pracovn\u00ed smlouvu a tedy je pro n\u011bj z\u00edsk\u00e1n\u00ed hypot\u00e9ky pom\u011brn\u011b snadn\u00e9, podnikatelova cesta za hypot\u00e9\u010dn\u00edm \u00fav\u011brem je mnohem slo\u017eit\u011bj\u0161\u00ed. Oproti zam\u011bstnanc\u016fm maj\u00ed pak podnikatel\u00e9 d\u00edky jinak vypo\u010d\u00edtan\u00e9mu \u010d\u00edslu, stanoven\u00e9mu jako \u010dist\u00fd p\u0159\u00edjem, velmi nep\u0159\u00edznivou \u00farokovou sazbu.Existuje sice bezp\u0159\u00edjmov\u00e1 hypot\u00e9ka, ale zde mohou dos\u00e1hnout pouze pades\u00e1tiprocentn\u00ed hodnoty z\u00e1stavy. Hypot\u00e9ka, respektive jej\u00ed zisk, se st\u00e1v\u00e1 pro podnikatele t\u00e9m\u011b\u0159 nedosti\u017enou; stoj\u00ed to \u010das, pen\u00edze, ale tak\u00e9 pevn\u00e9 nervy.Jak by m\u011bl podnikatel postupovat p\u0159i vy\u0159izov\u00e1n\u00ed \u017e\u00e1dosti o hypot\u00e9ku? ·         Pokud v\u00e1m nevych\u00e1z\u00ed p\u0159\u00edjem, ujist\u011bte se, \u017ee jej banka po\u010d\u00edt\u00e1 z obratu a ne ze z\u016fstatku·         Pokud jste zalo\u017eili novou \u017eivnost ned\u00e1vno, m\u011bjte alespo\u0148 jedno da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed·         Pokud v zim\u011b p\u0159est\u00e1v\u00e1te podnikat, je to probl\u00e9m, proto\u017ee se na vy\u0159\u00edzen\u00ed mus\u00ed minim\u00e1ln\u011b dvan\u00e1ct m\u011bs\u00edc\u016f \u010dekat. Pro v\u00e1s to znamen\u00e1, \u017ee minim\u00e1ln\u011b jednu zimu nesm\u00edte p\u0159eru\u0161it \u010dinnost podnik\u00e1n\u00ed·         Pokud jste osoba samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e1, v\u017edy m\u011bjte na banku dostate\u010dnou \u010dasovou rezervu, ptejte se, jak m\u00e1te vyplnit da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed·         Pokud \u017e\u00e1d\u00e1 o hypot\u00e9ku podnikatel, banka shled\u00e1v\u00e1 rozhoduj\u00edc\u00edm, zda ponikatel uplat\u0148uje  pau\u0161\u00e1l \u010di m\u00e1 da\u0148ovou evidenci.o   Pokud je to p\u0159\u00edpad da\u0148ov\u00e9 evidence, da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed se dokl\u00e1d\u00e1 optimalizovan\u00e9 a to za \u00fa\u010delem prok\u00e1z\u00e1n\u00ed bonityo   Pokud se jedn\u00e1 o v\u00fddajov\u00e9 pau\u0161\u00e1ly, prokazov\u00e1n\u00ed bonity bude pro v\u00e1s jednodu\u0161\u0161\u00ed "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podnikatelova cesta za hypot\u00e9kou","item":"https:\/\/www.zerba.cz\/podnikatelova-cesta-za-hypotekou\/#breadcrumbitem"}]}]