[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/podnikatelska-pujcka-a-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/podnikatelska-pujcka-a-uver\/","headline":"Podnikatelsk\u00e1 p\u016fj\u010dka a \u00fav\u011br","name":"Podnikatelsk\u00e1 p\u016fj\u010dka a \u00fav\u011br","description":"\u00dav\u011br je pojem rozs\u00e1hl\u00e9ho charakteru. Jakmile m\u00e1me p\u0159edstavu o tom, co je to \u00fav\u011br, m\u016f\u017eeme p\u0159ej\u00edt k&nbsp;dal\u0161\u00edm \u00fav\u011br\u016fm, jako je rozd\u011blen\u00ed na podnikatelsk\u00e9 \u00fav\u011bry a p\u016fj\u010dky. \u00dav\u011bry se v&nbsp;z\u00e1kladu d\u011bl\u00ed na dv\u011b skupiny, podle toho, komu se finance poskytuj\u00ed, tak\u017ee se m\u016f\u017ee jednat o \u00fav\u011bry spot\u0159ebitelsk\u00e9 a podnikatelsk\u00e9. Spot\u0159ebitelsk\u00e9 se poskytuj\u00ed b\u011b\u017en\u00fdm ob\u010dan\u016fm a podnikatelsk\u00e9 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/podnikatelska-pujcka-a-uver\/\"> <span class=\"screen-reader-text\">Podnikatelsk\u00e1 p\u016fj\u010dka a \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-19","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}},"url":"https:\/\/www.zerba.cz\/podnikatelska-pujcka-a-uver\/","about":["P\u016fj\u010dky"],"wordCount":439,"articleBody":"\u00dav\u011br je pojem rozs\u00e1hl\u00e9ho charakteru. Jakmile m\u00e1me p\u0159edstavu o tom, co je to \u00fav\u011br, m\u016f\u017eeme p\u0159ej\u00edt k&nbsp;dal\u0161\u00edm \u00fav\u011br\u016fm, jako je rozd\u011blen\u00ed na podnikatelsk\u00e9 \u00fav\u011bry a p\u016fj\u010dky. \u00dav\u011bry se v&nbsp;z\u00e1kladu d\u011bl\u00ed na dv\u011b skupiny, podle toho, komu se finance poskytuj\u00ed, tak\u017ee se m\u016f\u017ee jednat o \u00fav\u011bry spot\u0159ebitelsk\u00e9 a podnikatelsk\u00e9. Spot\u0159ebitelsk\u00e9 se poskytuj\u00ed b\u011b\u017en\u00fdm ob\u010dan\u016fm a podnikatelsk\u00e9 samoz\u0159ejm\u011b podnikatel\u016fm. Podnikatelsk\u00fd \u00fav\u011br si tedy m\u016f\u017ee z\u0159\u00eddit jenom firma, podnikatel nebo OSV\u010c. V\u011bt\u0161inou se jedn\u00e1 o n\u011bjakou spole\u010dnost nebo podnikaj\u00edc\u00ed subjekt, kter\u00fd m\u00e1 I\u010c takzvan\u00e9 identifika\u010dn\u00ed \u010d\u00edslo. Podnikatelsk\u00e9 \u00fav\u011bry poskytuj\u00ed jak banky, tak tak\u00e9 nebankovn\u00ed spole\u010dnosti, tak\u017ee podnikatel\u00e9 mohou \u017e\u00e1dat u bank nebo i jin\u00fdch nebankovn\u00edch spole\u010dnost\u00ed o pen\u00edze. A jakou formou mohou \u017e\u00e1dat? Podnikatelsk\u00fd \u00fav\u011br se toti\u017e d\u00e1le rozli\u0161uje nej\u010dast\u011bji na investi\u010dn\u00ed a provozn\u00ed. Ka\u017ed\u00fd druh znamen\u00e1 n\u011bco trochu jin\u00e9ho, tak\u017ee banky nebo nebankovn\u00ed spole\u010dnosti je poskytuj\u00ed tak\u00e9 podle toho, na co podnikatel\u00e9 pen\u00edze pot\u0159ebuj\u00ed. Ka\u017ed\u00fd podnikatelsk\u00fd \u00fav\u011br je spjat\u00fd s&nbsp;podnik\u00e1n\u00edm to znamen\u00e1, \u017ee i pen\u00edze, kter\u00e9 klient &ndash; podnikatel z\u00edsk\u00e1, se mus\u00ed pou\u017e\u00edt v&nbsp;r\u00e1mci podnik\u00e1n\u00ed. V\u011bt\u0161inou s&nbsp;financemi m\u016f\u017eete v&nbsp;podnik\u00e1n\u00ed nebo firm\u011b zaplatit cokoliv, pokud nem\u00e1te konkr\u00e9tn\u011b ur\u010deno, na co pen\u00edze pou\u017eijete.\tPen\u00edze na podnik\u00e1n\u00edPen\u00edze m\u016f\u017eete vyu\u017e\u00edt na za\u010d\u00ednaj\u00edc\u00ed podnik\u00e1n\u00ed, na rozjezd, ale tak\u00e9 na \u00fahradu b\u011b\u017en\u00fdch faktur, pro hrazen\u00ed b\u011b\u017en\u00fdch pot\u0159eb ve firm\u011b, pro \u00fahradu n\u00e1klad\u016f, zdravotn\u00edho, soci\u00e1ln\u00edho, mezd ale tak\u00e9 na investice, n\u00e1kup materi\u00e1l\u016f, stoj\u016f, za\u0159\u00edzen\u00ed, vybaven\u00ed a mnoho dal\u0161\u00edho. Podnikatelsk\u00e9 p\u016fj\u010dky se tedy d\u011bl\u00ed na investi\u010dn\u00ed a provozn\u00ed \u00fav\u011bry. Investi\u010dn\u00ed \u00fav\u011bry jsou dlouhodob\u00e9ho charakteru a jedn\u00e1 se v\u011bt\u0161inou o investice, nap\u0159\u00edklad pr\u00e1v\u011b do nemovitost\u00ed, v\u00fdstavby, rekonstrukce, m\u016f\u017ee j\u00edt o koupi stroj\u016f a za\u0159\u00edzen\u00ed. Maj\u00ed del\u0161\u00ed dobu splatnosti, proto se t\u00edmto zp\u016fsobem mohou p\u016fj\u010dit vysok\u00e9 \u010d\u00e1stky. Naproti tomu b\u011b\u017en\u00e9 provozn\u00ed \u00fav\u011br jsou ur\u010deny pr\u00e1v\u011b na n\u00e1kup zbo\u017e\u00ed, materi\u00e1lu, surovin, m\u016f\u017eete s&nbsp;financemi hradit b\u011b\u017en\u00e9 provozn\u00ed v\u00fddaje ve firm\u011b. V&nbsp;n\u011bkter\u00fdch p\u0159\u00edpadech se ani neru\u010d\u00ed nemovitost\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podnikatelsk\u00e1 p\u016fj\u010dka a \u00fav\u011br","item":"https:\/\/www.zerba.cz\/podnikatelska-pujcka-a-uver\/#breadcrumbitem"}]}]