[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.reflek.cz\/jak-ziskat-hypoteku-pro-podnikatele\/#Article","mainEntityOfPage":"https:\/\/www.reflek.cz\/jak-ziskat-hypoteku-pro-podnikatele\/","headline":"Jak z\u00edskat hypot\u00e9ku pro podnikatel\u00e9?","name":"Jak z\u00edskat hypot\u00e9ku pro podnikatel\u00e9?","description":"Hypote\u010dn\u00ed \u00fav\u011br je v dne\u0161n\u00ed dob\u011b nelehk\u00e9 z\u00edskat. Vzhledem k ekonomick\u00e9 situaci banky zp\u0159\u00eds\u0148uj\u00ed podm\u00ednky pro \u017eadatel\u00e9 o \u00fav\u011bry..","datePublished":"2022-08-23","dateModified":"2023-05-18","author":{"@type":"Person","@id":"https:\/\/www.reflek.cz\/author\/#Person","name":"","url":"https:\/\/www.reflek.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f7b3e8bb7f7cc0c6ca940e74a10b952be4c7d81de8a980387c865f88889f02e3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"reflek.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.reflek.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386366_8.jpg","url":"https:\/\/www.reflek.cz\/wp-content\/uploads\/pexels-karolina-grabowska-4386366_8.jpg","height":0,"width":0},"url":"https:\/\/www.reflek.cz\/jak-ziskat-hypoteku-pro-podnikatele\/","about":["Finance"],"wordCount":408,"articleBody":"   Hypote\u010dn\u00ed \u00fav\u011br je v dne\u0161n\u00ed dob\u011b nelehk\u00e9 z\u00edskat. Vzhledem k ekonomick\u00e9 situaci banky zp\u0159\u00eds\u0148uj\u00ed podm\u00ednky pro \u017eadatel\u00e9 o \u00fav\u011bry. Jak je to ale s \u017e\u00e1dost\u00ed o \u00fav\u011br, pokud nejste \u0159\u00e1dov\u00fd zam\u011bstnanec, ale podnik\u00e1te? Pro OSV\u010c samoz\u0159ejm\u011b plat\u00ed jin\u00e9 podm\u00ednky v\u00fdpo\u010dt\u016f hypot\u00e9ky.Zat\u00edm co b\u011b\u017en\u00fd zam\u011bstnanec dokl\u00e1d\u00e1  bance e potvrzen\u00ed o sv\u00fdch p\u0159\u00edjmech, podnikatel\u00e9 mus\u00ed dolo\u017eit da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed. V\u011bt\u0161inou to b\u00fdv\u00e1 jedno nebo dv\u011b posledn\u00ed podan\u00e9. Dle toho banka vypo\u010d\u00edt\u00e1 va\u0161e p\u0159\u00edjmy, zisky, obraty. A rozhodne se, zda v\u00e1m \u017e\u00e1dost o hypot\u00e9ku schv\u00e1l\u00ed \u010di nikoliv. Probl\u00e9m je, \u017ee i kdy\u017e se to nemus\u00ed zd\u00e1t, zam\u011bstnanci maj\u00ed \u010dasto pro banku vy\u0161\u0161\u00ed p\u0159\u00edjmy ne\u017e OSV\u010c. U OSV\u010c se plat\u00ed spousta odvod\u016f a v n\u011bkter\u00fdch obdob\u00edch podnik\u00e1n\u00ed se jim nemus\u00ed tolik da\u0159it, co\u017e se prom\u00edtne na jejich bonit\u011b pro banku. Hodn\u011b OSV\u010c se tak\u00e9 p\u0159i da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed sna\u017e\u00ed, aby jejich p\u0159\u00edjmy vypadali co mo\u017en\u00e1 nejmen\u0161\u00ed, v r\u00e1mci \u00faspor. Jenom\u017ee p\u0159esn\u011b kv\u016fli tomuhle se m\u016f\u017ee st\u00e1t, \u017ee nedos\u00e1hnete na hypot\u00e9ku. Nejlep\u0161\u00ed tedy pro v\u00e1s bude, kdy\u017e se na ni p\u0159iprav\u00edte z dlouhodob\u00e9ho hlediska. V\u00edte, \u017ee b\u011bhem roka nebo dvou budete cht\u00edt za\u017e\u00e1dat o hypot\u00e9ku? Pak si rozhodn\u011b um\u011ble nesni\u017eujte p\u0159\u00edjmy v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed. Naopak, ve va\u0161em z\u00e1jmu je, aby va\u0161e p\u0159\u00edjmy vypadali co nejv\u00edce.Pokud ale pot\u0159ebujete hypot\u00e9ku v dohledn\u00e9 dob\u011b a v\u00edte, \u017ee se sv\u00fdmi posledn\u00edmi da\u0148ov\u00fdmi p\u0159izn\u00e1n\u00edmi nem\u00e1te \u0161anci usp\u011bt, pak je pro v\u00e1s mo\u017enost nebankovn\u00ed hypot\u00e9ka pro podnikatele nebankovnihypoteky.net. Nebankovn\u00ed spole\u010dnosti \u010dasto nepo\u017eaduj\u00ed, aby \u017eadatel\u00e9 dokl\u00e1dali sv\u00e9 p\u0159\u00edjmy a jsou schopni \u017e\u00e1dost schv\u00e1lit i bez toho. Z\u00e1le\u017e\u00ed ale na tom, zda m\u00e1te k dispozici nemovitost, kterou budete moci za p\u016fj\u010dku ru\u010dit. V takov\u00e9m p\u0159\u00edpad\u011b m\u00e1te velmi slu\u0161nou \u0161anci na hypot\u00e9ku dos\u00e1hnout.Rozhodn\u011b ale doporu\u010dujeme, abyste toto v\u0161echno probrali s hypote\u010dn\u00edm poradcem, kter\u00fd v\u00e1m dok\u00e1\u017ee poradit pro v\u00e1s tu nejlep\u0161\u00ed variantu.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak z\u00edskat hypot\u00e9ku pro podnikatel\u00e9?","item":"https:\/\/www.reflek.cz\/jak-ziskat-hypoteku-pro-podnikatele\/#breadcrumbitem"}]}]