[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.kamko.sk\/bankovy-uver-pre-zacinajuci-podnikatelov-realita-alebo-utopia\/#Article","mainEntityOfPage":"https:\/\/www.kamko.sk\/bankovy-uver-pre-zacinajuci-podnikatelov-realita-alebo-utopia\/","headline":"Bankov\u00fd \u00faver pre za\u010d\u00ednaj\u00faci podnikate\u013eov. Realita alebo utopia?","name":"Bankov\u00fd \u00faver pre za\u010d\u00ednaj\u00faci podnikate\u013eov. Realita alebo utopia?","description":"Pre za\u010d\u00ednaj\u00facich podnikate\u013eov alebo \u013eud\u00ed, ktor\u00ed maj\u00fa t\u00fato v\u00edziu je z\u00e1kladom \u00favodn\u00e9 financovanie, respekt\u00edve disponova\u0165 hotovos\u0165ou, aby bolo mo\u017en\u00e9 t\u00fato pl\u00e1novan\u00fa podnikate\u013esk\u00fa \u010dinnos\u0165 na\u0161tartova\u0165. V tomto smere mo\u017eno niekoho napadne, \u017ee do \u010dinnosti vraz\u00ed kus (alebo v\u0161etko) zo svojich \u00faspor, pr\u00edpadne po\u017eiada o p\u00f4\u017ei\u010dku rodinu \u010di zn\u00e1mych, v naj\u010dastej\u0161ej situ\u00e1cii sa v\u0161ak chceme spo\u013eahn\u00fa\u0165 na...","datePublished":"2019-10-03","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.kamko.sk\/author\/#Person","name":"","url":"https:\/\/www.kamko.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/13dbcc20b7c05fcb5c4a6b0bee5a7107a0aae9238a83a4088a42d170780b2eca?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"kamko.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.kamko.sk\/wp-content\/uploads\/img_a307632_w16732_t1572015331.jpg","url":"https:\/\/www.kamko.sk\/wp-content\/uploads\/img_a307632_w16732_t1572015331.jpg","height":0,"width":0},"url":"https:\/\/www.kamko.sk\/bankovy-uver-pre-zacinajuci-podnikatelov-realita-alebo-utopia\/","about":["Financie"],"wordCount":383,"articleBody":"Pre za\u010d\u00ednaj\u00facich podnikate\u013eov alebo \u013eud\u00ed, ktor\u00ed maj\u00fa t\u00fato v\u00edziu je z\u00e1kladom \u00favodn\u00e9 financovanie, respekt\u00edve disponova\u0165 hotovos\u0165ou, aby bolo mo\u017en\u00e9 t\u00fato pl\u00e1novan\u00fa podnikate\u013esk\u00fa \u010dinnos\u0165 na\u0161tartova\u0165. V tomto smere mo\u017eno niekoho napadne, \u017ee do \u010dinnosti vraz\u00ed kus (alebo v\u0161etko) zo svojich \u00faspor, pr\u00edpadne po\u017eiada o p\u00f4\u017ei\u010dku rodinu \u010di zn\u00e1mych, v naj\u010dastej\u0161ej situ\u00e1cii sa v\u0161ak chceme spo\u013eahn\u00fa\u0165 na bankov\u00fd \u00faver. Na druhej strane ale mus\u00edme spomen\u00fa\u0165 takmer fakt, \u017ee pre za\u010d\u00ednaj\u00faceho podnikate\u013ea je tento cie\u013e priam nere\u00e1lny. Banky predsa nebud\u00fa \u201eutr\u00e1ca\u0165\u201c svoje peniaze, ale po\u017ei\u010daj\u00fa ich sk\u00f4r sk\u00fasen\u00fdm a overen\u00fdm zdrojom, u ktor\u00fdch vedia, \u017ee sa im ovocie vr\u00e1ti sp\u00e4\u0165 (spolu s \u00farokmi). U za\u010d\u00ednaj\u00faceho podnikate\u013ea v\u0161ak t\u00fato istotu v mnoh\u00fdch pr\u00edpadoch nemaj\u00fa. Konkr\u00e9tnej\u0161ie to zna\u010d\u00ed, \u017ee banky potrebuj\u00fa vidie\u0165 ist\u00e9 sk\u00fasenosti, respekt\u00edve dlh\u0161\u00ed \u010das existuj\u00face finan\u010dn\u00e9 v\u00fdsledky, ktor\u00fdmi sa \u017eiadate\u013e preuk\u00e1\u017ee. V\u00e4\u010d\u0161inou mus\u00ed \u00eds\u0165 o preuk\u00e1zate\u013en\u00e9 v\u00fdsledky v d\u013a\u017eke trvania minim\u00e1lne 2 roky. Aby toho nebolo m\u00e1lo, je po\u017eadovan\u00fdm, aby podnikate\u013e ru\u010dil napr\u00edklad svojou nehnute\u013enos\u0165ou. Opisovan\u00e9 h\u013eadisko a body v \u0148om spomenut\u00e9 s\u00fa dos\u0165 re\u00e1lne, av\u0161ak rovnako sa hod\u00ed pripomen\u00fa\u0165, \u017ee v istom pr\u00edpade sa h\u013ead\u00ed aj na za\u010d\u00ednaj\u00facich podnikate\u013eov, ktor\u00fdm bankov\u00fd \u00faver \u00fadajne poskytuje Slovensk\u00e1 sporite\u013e\u0148a. Konkr\u00e9tnej\u0161ie vrav\u00edme o investi\u010dnom \u00favere, pr\u00edpadne l\u00edzingu do 50 000 eur a takisto o povolenom pre\u010derpan\u00ed. T\u00fato formu, respekt\u00edve zmienen\u00e9 slu\u017eby Slovenskej sporite\u013ene ka\u017edoro\u010dne vyu\u017e\u00edva nie\u010do okolo tis\u00edc za\u010d\u00ednaj\u00facich podnikate\u013eov. Situ\u00e1cia je mo\u017en\u00e1 aj v pr\u00edpade \u017eiadanie vy\u0161\u0161ieho l\u00edzingu, kedy v\u0161ak \u017eiadate\u013e pochopite\u013ene mus\u00ed v banke predlo\u017ei\u0165 svoj podnikate\u013esk\u00fd pl\u00e1n. Podpora n\u00e1dejn\u00fdch podnikate\u013eov je vhodn\u00fdm rie\u0161en\u00edm nielen pre jednotlivcov a ich biznis pl\u00e1n, ale takisto z ekonomick\u00e9ho h\u013eadiska na\u0161ej krajiny a vzniku nov\u00fdch pracovn\u00fdch miest, v neposlednom rade slu\u017eieb.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankov\u00fd \u00faver pre za\u010d\u00ednaj\u00faci podnikate\u013eov. Realita alebo utopia?","item":"https:\/\/www.kamko.sk\/bankovy-uver-pre-zacinajuci-podnikatelov-realita-alebo-utopia\/#breadcrumbitem"}]}]