[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-ico\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-ico\/","headline":"P\u016fj\u010dka a \u00fav\u011br na I\u010cO","name":"P\u016fj\u010dka a \u00fav\u011br na I\u010cO","description":"Nejprve si \u0159ekneme, \u017ee pro podnikatele existuj\u00ed takzvan\u00e9 podnikatelsk\u00e9 \u00fav\u011bry. Ty se vyd\u00e1vaj\u00ed pouze firm\u00e1m, podnikatel\u016fm a osob\u00e1m samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdm. V&nbsp;druh\u00e9m odstavci \u010dl\u00e1nku se budeme v\u011bnovat tak\u00e9 problematice lichva\u0159en\u00ed a tomu, \u017ee n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti st\u00e1le vyd\u00e1vaj\u00ed podnikatelsk\u00e9 \u00fav\u011bry za spot\u0159ebitelsk\u00e9, pro b\u011b\u017en\u00e9 ob\u010dany a obch\u00e1z\u00ed t\u00edm z\u00e1kon. P\u016fj\u010dka na i\u010do je mo\u017en\u00e1, ale &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver-na-ico\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br na I\u010cO<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-09","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\/pujcka-a-uver-na-ico\/","about":["P\u016fj\u010dky"],"wordCount":413,"articleBody":"Nejprve si \u0159ekneme, \u017ee pro podnikatele existuj\u00ed takzvan\u00e9 podnikatelsk\u00e9 \u00fav\u011bry. Ty se vyd\u00e1vaj\u00ed pouze firm\u00e1m, podnikatel\u016fm a osob\u00e1m samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00fdm. V&nbsp;druh\u00e9m odstavci \u010dl\u00e1nku se budeme v\u011bnovat tak\u00e9 problematice lichva\u0159en\u00ed a tomu, \u017ee n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti st\u00e1le vyd\u00e1vaj\u00ed podnikatelsk\u00e9 \u00fav\u011bry za spot\u0159ebitelsk\u00e9, pro b\u011b\u017en\u00e9 ob\u010dany a obch\u00e1z\u00ed t\u00edm z\u00e1kon. P\u016fj\u010dka na i\u010do je mo\u017en\u00e1, ale pouze v&nbsp;p\u0159\u00edpad\u011b, \u017ee jste opravdu podnikatel, firma nebo OSV\u010c.&nbsp; Jestli\u017ee nepodnik\u00e1te a jste b\u011b\u017en\u00fd spot\u0159ebitel, tak \u017e\u00e1dnou \u017eivnost k&nbsp;\u00fav\u011bru nepot\u0159ebujete. Podnikatelsk\u00e9 \u00fav\u011bry poskytuj\u00ed banky i nebankovn\u00ed spole\u010dnosti. M\u016f\u017eete a nemus\u00edte u nich ru\u010dit nemovitost\u00ed. Pen\u00edze se pou\u017e\u00edvaj\u00ed v&nbsp;podnik\u00e1n\u00ed nebo firm\u00e1ch pro hrazen\u00ed b\u011b\u017en\u00fdch pot\u0159eb, v\u00fdplat zam\u011bstnanc\u016fm, pro n\u00e1kup materi\u00e1l\u016f a surovin, pro b\u011b\u017en\u00e9 platby, n\u00e1jmy, v\u00fddaje, hrazen\u00ed soci\u00e1ln\u00edho a zdravotn\u00edho, dan\u00ed, ale tak\u00e9 pro v\u011bt\u0161\u00ed investice nebo naopak dluhy a exekuce. Je mo\u017en\u00e9 si za\u0159\u00eddit podnikatelsk\u00fd \u00fav\u011br i v&nbsp;p\u0159\u00edpad\u011b za\u010d\u00ednaj\u00edc\u00edho podnik\u00e1n\u00ed.\tLichva\u0159en\u00ed na oby\u010dejn\u00fdch lidechVezmeme to nyn\u00ed z&nbsp;opa\u010dn\u00e9ho \u00fahlu pohledu. N\u011bkter\u00e9 spole\u010dnosti se v\u0161ak st\u00e1le bohu\u017eel sna\u017e\u00ed obch\u00e1zet z\u00e1kon a nab\u00edz\u00ed lidem spot\u0159ebitelsk\u00e9 \u00fav\u011bry. Ve skute\u010dnosti se ale jedn\u00e1 o n\u011bkter\u00fd z&nbsp;v\u00edce druh\u016f podnikatelsk\u00fdch \u00fav\u011br\u016f, kter\u00e9 jsou pro b\u011b\u017en\u00e9 klienty naprosto nev\u00fdhodn\u00e9. Podle novely z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru z&nbsp;roku 2016 by nem\u011blo b\u00fdt n\u011bco takov\u00e9ho mo\u017en\u00e9, ale st\u00e1le se to d\u011bje. Na podnikatelsk\u00e9 \u00fav\u011bry se toti\u017e nevztahuje licence \u010cNB, ale na spot\u0159ebitelsk\u00e9 ano. Samoz\u0159ejm\u011b V\u00e1s nechceme zbyte\u010dn\u011b pla\u0161it a znepokojovat, proto\u017ee ne v\u0161echny nebankovn\u00ed spole\u010dnosti jsou takov\u00e9. V&nbsp;tomto p\u0159\u00edpad\u011b se jedn\u00e1 pouze o v\u00fdjimky, kter\u00e9 ji\u017e mohly b\u00fdt podchyceny. Ov\u0161em pr\u00e1v\u011b z&nbsp;t\u011bchto d\u016fvod\u016f je dobr\u00e9 se pod\u00edvat na nab\u00eddky \u00fav\u011br\u016f a porovnat jejich podm\u00ednky. Solidn\u00ed nebankovn\u00ed firmy i bankovn\u00ed instituce poskytuj\u00ed v\u00fdhodn\u00e9 sazby a poctiv\u00e9 podm\u00ednky pro klienty, \u017e\u00e1dn\u00e9 skryt\u00e9 poplatky, ani platby p\u0159edem.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka a \u00fav\u011br na I\u010cO","item":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-ico\/#breadcrumbitem"}]}]