[{"@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\u00a0druh\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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384681_1x1_20260816_102801_zYUcZD.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384681_1x1_20260816_102801_zYUcZD.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/pujcka-a-uver-na-ico\/","about":["P\u016fj\u010dky"],"wordCount":402,"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\u00a0druh\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\u00a0p\u0159\u00edpad\u011b, \u017ee jste opravdu podnikatel, firma nebo OSV\u010c.\u00a0 Jestli\u017ee nepodnik\u00e1te a jste b\u011b\u017en\u00fd spot\u0159ebitel, tak \u017e\u00e1dnou \u017eivnost k\u00a0\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\u00a0podnik\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\u00a0p\u0159\u00edpad\u011b za\u010d\u00ednaj\u00edc\u00edho podnik\u00e1n\u00ed.\tLichva\u0159en\u00ed na oby\u010dejn\u00fdch lidechVezmeme to nyn\u00ed z\u00a0opa\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\u00a0v\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\u00a0roku 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\u00a0tomto 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\u00a0t\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.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]