[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.solisart.cz\/podnikatelska-hypoteka\/#Article","mainEntityOfPage":"https:\/\/www.solisart.cz\/podnikatelska-hypoteka\/","headline":"Podnikatelsk\u00e1 hypot\u00e9ka","name":"Podnikatelsk\u00e1 hypot\u00e9ka","description":"Co je podnikatelsk\u00e1 hypot\u00e9ka a jak je lehk\u00e9 nebo obt\u00ed\u017en\u00e9 ji z\u00edskat? Poj\u010fme se j\u00ed pod\u00edvat na kloub, na jej\u00ed klady a z\u00e1pory a \u010demu se vyhnout p\u0159i \u017e\u00e1dosti. Je ve\u0159ejn\u011b zn\u00e1mo, \u017ee z\u00edsk\u00e1n\u00ed hypot\u00e9ky pro podnikatele je bohu\u017eel mnohem slo\u017eit\u011bj\u0161\u00ed ne\u017e pro klasick\u00e9 \u017eadatele. Ale zase jedn\u00edm dechem je pot\u0159eba \u0159\u00edct, \u017ee to nen\u00ed […]<\/a>","datePublished":"2021-10-19","dateModified":"2023-05-24","author":{"@type":"Person","@id":"https:\/\/www.solisart.cz\/author\/#Person","name":"","url":"https:\/\/www.solisart.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6b1978a802e1d2522476d4f1a954a19e989b74ba84b3e15a182efb651cc75097?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"solisart.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.solisart.cz\/wp-content\/uploads\/man-g78707234c_1280.png","url":"https:\/\/www.solisart.cz\/wp-content\/uploads\/man-g78707234c_1280.png","height":0,"width":0},"url":"https:\/\/www.solisart.cz\/podnikatelska-hypoteka\/","about":["Online"],"wordCount":488,"articleBody":" Co je podnikatelsk\u00e1 hypot\u00e9ka a jak je lehk\u00e9 nebo obt\u00ed\u017en\u00e9 ji z\u00edskat? Poj\u010fme se j\u00ed pod\u00edvat na kloub, na jej\u00ed klady a z\u00e1pory a \u010demu se vyhnout p\u0159i \u017e\u00e1dosti.Je ve\u0159ejn\u011b zn\u00e1mo, \u017ee z\u00edsk\u00e1n\u00ed hypot\u00e9ky pro podnikatele je bohu\u017eel mnohem slo\u017eit\u011bj\u0161\u00ed ne\u017e pro klasick\u00e9 \u017eadatele. Ale zase jedn\u00edm dechem je pot\u0159eba \u0159\u00edct, \u017ee to nen\u00ed nemo\u017en\u00e9. Spole\u010dn\u011b se tedy pod\u00edv\u00e1me, co je pot\u0159eba splnit a z jak\u00fdch mo\u017en\u00fdch variant maj\u00ed podnikatel\u00e9 na v\u00fdb\u011br. S v\u00fdb\u011brem podnikatelsk\u00e9 hypot\u00e9ky V\u00e1m m\u016f\u017ee taky pomoct hypote\u010dn\u00ed kalkula\u010dka nebo se rovnou obr\u00e1tit na hypote\u010dn\u00edho specialistu.Hypot\u00e9ka pro podnikatelePod pojmem podnikatelsk\u00e1 hypot\u00e9ka Fahd si m\u016f\u017eeme p\u0159edstavit dva bankovn\u00ed produkty. Jeden je klasick\u00e1 hypot\u00e9ka vyu\u017eiteln\u00e1 na vlastn\u00ed bydlen\u00ed, o kterou \u017e\u00e1daj\u00ed \u017eivnostn\u00edci. Druh\u00fdm bankovn\u00edm produktem je \u00fav\u011br, kter\u00fd vyu\u017eijete na financov\u00e1n\u00ed nemovitosti pro Va\u0161e podnik\u00e1n\u00ed. Pro ob\u011b varianty je stejn\u00e9 to, \u017ee je pot\u0159eba dokl\u00e1dat p\u0159\u00edjmy v podob\u011b da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed. Je pot\u0159eba si jen u banky, u kter\u00e9 budete \u017e\u00e1dat zjistit, zda ji sta\u010d\u00ed jedno nebo rovnou dv\u011b zda\u0148ovac\u00ed obdob\u00ed. Dal\u0161\u00ed celkem z\u00e1sadn\u00ed podm\u00ednkou p\u0159i \u017e\u00e1dosti je m\u00edt del\u0161\u00ed podnikatelskou histori\u00ed. V praxi to znamen\u00e1 to, \u017ee pokud jste za\u010dali v roce, ve kter\u00e9m \u017e\u00e1d\u00e1te budete m\u00edt celkem probl\u00e9m hypot\u00e9ku z\u00edskat. Banka toti\u017e nevid\u00ed, jak se Va\u0161e p\u0159\u00edjmy vyv\u00edj\u00ed, a hlavn\u011b jak jsou stabiln\u00ed. Podm\u00ednky pro z\u00edsk\u00e1n\u00ed hypot\u00e9ky pro podnikateleV\u0161e je d\u016fle\u017eit\u00e9 si s v\u011bt\u0161\u00edm p\u0159edstihem napl\u00e1novat. Aby \u017e\u00e1dost o podnikatelskou hypot\u00e9ku byla \u00fasp\u011b\u0161n\u00e1 je pot\u0159eba, aby Va\u0161e podnik\u00e1n\u00ed nebylo ztr\u00e1tov\u00e9. Jako dal\u0161\u00ed podm\u00ednka je nulov\u00fd nedoplatek na soci\u00e1ln\u00edm a zdravotn\u00edm poji\u0161t\u011bn\u00ed. Pro banku by to toti\u017e znamenalo, \u017ee jste nespolehliv\u00fd pl\u00e1tce a hypot\u00e9ku V\u00e1m neschv\u00e1l\u00ed. Dal\u0161\u00ed nezanedbatelnou podm\u00ednkou je m\u00edt co nejv\u011bt\u0161\u00ed z\u00e1klad dan\u011b. V praxi to znamen\u00e1, \u017ee \u010d\u00edm v\u011bt\u0161\u00ed z\u00e1klad dan\u011b m\u00e1te na da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed t\u00edm v\u00edce vyd\u011bl\u00e1v\u00e1te a t\u00edm jste pro banku spolehliv\u011bj\u0161\u00ed. D\u016fle\u017eit\u00e9 pro banku je i informace ohledn\u011b zp\u016fsobu odpo\u010dtu dan\u011b. Pokud toti\u017e v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed uv\u00e1d\u00edte skute\u010dn\u00e9 v\u00fddaje, banka m\u00e1 lep\u0161\u00ed p\u0159ehled o Va\u0161\u00ed finan\u010dn\u00ed skute\u010dnosti ne\u017e u OSV\u010c, kter\u00e9 vyu\u017e\u00edvaj\u00ed pau\u0161\u00e1ln\u00ed odpo\u010det. Proto\u017ee podnikatelsk\u00e9 hypot\u00e9ky nab\u00edzej\u00ed jen n\u011bkter\u00e9 banky m\u016f\u017ee b\u00fdt hled\u00e1n\u00ed vhodn\u00e9 hypot\u00e9ky slo\u017eit\u011bj\u0161\u00ed proces. 4.2\/5 - (8 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Podnikatelsk\u00e1 hypot\u00e9ka","item":"https:\/\/www.solisart.cz\/podnikatelska-hypoteka\/#breadcrumbitem"}]}]