[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bafr.cz\/s-penezi-to-byva-tezke\/#Article","mainEntityOfPage":"https:\/\/www.bafr.cz\/s-penezi-to-byva-tezke\/","headline":"S pen\u011bzi to b\u00fdv\u00e1 t\u011b\u017ek\u00e9","name":"S pen\u011bzi to b\u00fdv\u00e1 t\u011b\u017ek\u00e9","description":"Mo\u017en\u00e1 si mysl\u00edte, \u017ee jsou soukrom\u00ed podnikatel\u00e9 p\u0159\u00edmo p\u0159edur\u010deni k \u017eivotu v bohatstv\u00ed a blahobytu. \u017de maj\u00ed vlastn\u00ed firmy, kter\u00e9 jim automaticky vyd\u011bl\u00e1vaj\u00ed spousty pen\u011bz, a tud\u00ed\u017e si mohou u\u017e\u00edvat \u017eivota. Proto\u017ee co podnikatel\u00e9 d\u011blaj\u00ed, kdy\u017e pracuj\u00ed? Vlastn\u011b jenom to, pro co se sami rozhodli a co je z\u0159ejm\u011b bav\u00ed. A kdy\u017e je pot\u0159eba d\u011blat […]","datePublished":"2026-03-10","dateModified":"2026-03-10","author":{"@type":"Person","@id":"https:\/\/www.bafr.cz\/author\/#Person","name":"","url":"https:\/\/www.bafr.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/25a824e14ead2d36aba24b918221841350fb41cea98048e9b1929df8c4bf4bd8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bafr.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bafr.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppp_10_10_7.jpg","url":"https:\/\/www.bafr.cz\/wp-content\/uploads\/pppppppppppppppppppppppppppppppppppppppppp_10_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.bafr.cz\/s-penezi-to-byva-tezke\/","about":["Pen\u00edze"],"wordCount":392,"articleBody":"        Mo\u017en\u00e1 si mysl\u00edte, \u017ee jsou soukrom\u00ed podnikatel\u00e9 p\u0159\u00edmo p\u0159edur\u010deni k \u017eivotu v bohatstv\u00ed a blahobytu. \u017de maj\u00ed vlastn\u00ed firmy, kter\u00e9 jim automaticky vyd\u011bl\u00e1vaj\u00ed spousty pen\u011bz, a tud\u00ed\u017e si mohou u\u017e\u00edvat \u017eivota. Proto\u017ee co podnikatel\u00e9 d\u011blaj\u00ed, kdy\u017e pracuj\u00ed? Vlastn\u011b jenom to, pro co se sami rozhodli a co je z\u0159ejm\u011b bav\u00ed. A kdy\u017e je pot\u0159eba d\u011blat n\u011bco nep\u0159\u00edjemn\u00e9ho, nechaj\u00ed to na sv\u00fdch zam\u011bstnanc\u00edch. Jakou maj\u00ed pracovn\u00ed dobu? Takovou, jakou sami cht\u011bj\u00ed. Nikdo jim nena\u0159izuje, od kdy do kdy mus\u00ed b\u00fdt na pracovi\u0161ti. A kolik si nech\u00e1vaj\u00ed zaplatit od z\u00e1kazn\u00edk\u016f? P\u0159ece tolik, kolik cht\u011bj\u00ed dostat. Tak\u017ee m\u00e1 podnik\u00e1n\u00ed celou \u0159adu v\u00fdhod.Ale to si p\u0159edstavuj\u00ed jenom lid\u00e9, kte\u0159\u00ed nikdy nepodnikali. Ti ostatn\u00ed toti\u017e dob\u0159e v\u011bd\u00ed, \u017ee to v podnik\u00e1n\u00ed tak prost\u00e9 nen\u00ed. To, co bylo pops\u00e1no v\u00fd\u0161e, je sice n\u011bkdy skute\u010dnost\u00ed, ale n\u011bkdy je tak\u00e9 v\u0161echno jinak. Pokud nem\u00e1 n\u011bjak\u00e1 firma dost z\u00e1kazn\u00edk\u016f, kte\u0159\u00ed by platili tolik, kolik je pot\u0159eba, je v\u0161echno jinak. V takov\u00e9m p\u0159\u00edpad\u011b nen\u00ed podnikatel\u016fm co z\u00e1vid\u011bt. V takov\u00e9 situaci se maj\u00ed h\u016f\u0159 ne\u017e kdejak\u00fd zam\u011bstnanec, proto\u017ee nemaj\u00ed jist\u00e9 vlastn\u011b v\u016fbec nic. Ani n\u011bjakou podnikatelskou p\u016fj\u010dku, kterou by p\u0159\u00edpadn\u011b vyu\u017eili, aby si zajistili p\u0159e\u010dk\u00e1n\u00ed t\u011b\u017ek\u00fdch \u010das\u016f a zvl\u00e1dnut\u00ed podnikatelsk\u00fdch probl\u00e9m\u016f.Vlastn\u00edch pen\u011bz tedy nemaj\u00ed n\u011bkdy podnikatel\u00e9 dost, a kdy\u017e se obr\u00e1t\u00ed na n\u011bjakou banku, riskuj\u00ed, \u017ee tak\u00e9 odejdou s pr\u00e1zdnou. Proto\u017ee banky nep\u016fj\u010duj\u00ed ochotn\u011b podnikatel\u016fm, u nich\u017e je riziko, \u017ee nezvl\u00e1dnou spl\u00e1cen\u00ed p\u016fj\u010dek. A pak jsou tedy takov\u00ed podnikatel\u00e9 beznad\u011bjn\u00ed a jejich podniky bankrotuj\u00edc\u00ed. A \u010dasto to \u0161patn\u011b dopad\u00e1, pokud takov\u00ed majitel\u00e9 firem nezjist\u00ed, \u017ee jsou tu i nebankovn\u00ed hypot\u00e9ky. Proto\u017ee ty \u010dasto pomohou i podnikatel\u016fm, kter\u00fdm by nikdo jin\u00fd nepomohl.Takov\u00e1 americk\u00e1 hypot\u00e9ka bez registru https:\/\/www.americka-nebankovni-hypoteka.cz\/ se nab\u00edz\u00ed v\u0161em, kdo jsou schopni spl\u00e1cet a ru\u010dit za takov\u00e9 spl\u00e1cen\u00ed nemovitost\u00ed. A je hodn\u011b podnikatel\u016f, pro n\u011b\u017e je to to nejsch\u016fdn\u011bj\u0161\u00ed \u0159e\u0161en\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"S pen\u011bzi to b\u00fdv\u00e1 t\u011b\u017ek\u00e9","item":"https:\/\/www.bafr.cz\/s-penezi-to-byva-tezke\/#breadcrumbitem"}]}]