[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.fidlatka.cz\/bankovni-uver\/#Article","mainEntityOfPage":"https:\/\/www.fidlatka.cz\/bankovni-uver\/","headline":"Bankovn\u00ed \u00fav\u011br","name":"Bankovn\u00ed \u00fav\u011br","description":"M\u016f\u017ee b\u00fdt ve form\u011b dlouhodob\u00e9ho a kr\u00e1tkodob\u00e9ho, kdy jsou zpravidla vy\u017eadovan\u00e9 platby \u00farok\u016f v pravideln\u00fdch, nap\u0159\u00edklad m\u011bs\u00ed\u010dn\u00edch, nebo \u010dtvrtletn\u00edch intervalech..","datePublished":"2019-11-04","dateModified":"2023-06-09","author":{"@type":"Person","@id":"https:\/\/www.fidlatka.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.fidlatka.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"fidlatka.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.fidlatka.cz\/wp-content\/uploads\/img_a361989_w4319_t1575039128.jpg","url":"https:\/\/www.fidlatka.cz\/wp-content\/uploads\/img_a361989_w4319_t1575039128.jpg","height":0,"width":0},"url":"https:\/\/www.fidlatka.cz\/bankovni-uver\/","about":["Pen\u00edze"],"wordCount":462,"articleBody":"M\u016f\u017ee b\u00fdt ve form\u011b dlouhodob\u00e9ho a kr\u00e1tkodob\u00e9ho, kdy jsou zpravidla vy\u017eadovan\u00e9 platby \u00farok\u016f v pravideln\u00fdch, nap\u0159\u00edklad m\u011bs\u00ed\u010dn\u00edch, nebo \u010dtvrtletn\u00edch intervalech. Jak se zde pen\u011b\u017en\u00ed \u00fastavy jist\u00ed? Pro zaji\u0161t\u011bn\u00ed n\u00e1vratnosti p\u016fj\u010den\u00fdch pen\u011bz v p\u0159\u00edpad\u011b nep\u0159edv\u00eddateln\u00fdch okolnost\u00ed, kter\u00e9 by mohly podstatn\u00fdm zp\u016fsobem ohrozit jednak n\u00e1vratnost p\u016fj\u010den\u00e9 \u010d\u00e1stky, ale i zaplacen\u00ed jej\u00ed ceny, zpravidla po\u017eaduj\u00ed ru\u010den\u00ed, kter\u00e9 je ve v\u00fd\u0161i poskytnut\u00e9 p\u016fj\u010dky a celkov\u00fdch \u00farok\u016f. Ale podle typu ji\u0161t\u011bn\u00ed se v\u0161ak tato \u010d\u00e1stka samoz\u0159ejm\u011b m\u016f\u017ee m\u011bnit. V praxi se vyskytuj\u00ed p\u016fj\u010dky, kter\u00e9 nemaj\u00ed v\u011bcn\u00e9 zaji\u0161t\u011bn\u00ed, ale v tom p\u0159\u00edpad\u011b je vy\u017eadov\u00e1no ru\u010den\u00ed p\u0159\u00edjemcem p\u016fj\u010den\u00fdch pen\u011bz nebo t\u0159et\u00ed osobou. U v\u011bcn\u00e9ho zaji\u0161t\u011bn\u00ed se jedn\u00e1 o pr\u00e1vo na majetkov\u00e9 hodnoty, kter\u00e9 z\u00edsk\u00e1 banka p\u0159i nespl\u00e1cen\u00ed p\u016fj\u010den\u00e9 \u010d\u00e1stky.\tPosuzov\u00e1n\u00ed \u017e\u00e1dosti o \u00fav\u011brBanku zaj\u00edm\u00e1 zejm\u00e9na jak\u00fd je pl\u00e1n pen\u011b\u017en\u00edch tok\u016f. To by ji m\u011blo p\u0159esv\u011bd\u010dit, \u017ee va\u0161e firma bude schopna nejen zaplatit \u00faroky, ale i splatit celou p\u016fj\u010denou \u010d\u00e1stku. Sou\u010d\u00e1st\u00ed finan\u010dn\u00edho pl\u00e1nu pro pen\u011b\u017en\u00ed \u00fastav by m\u011bl b\u00fdt i n\u00e1vrh spl\u00e1tkov\u00e9ho pl\u00e1nu p\u016fj\u010den\u00fdch pen\u011bz, kter\u00fd je propojen\u00fd s pl\u00e1nem tak d\u016fle\u017eit\u00fdch ji\u017e uveden\u00fdch pen\u011b\u017en\u00edch tok\u016f. Je pro v\u00e1s d\u016fle\u017eit\u00e9 spl\u00e1tkov\u00fd pl\u00e1n i pl\u00e1n pen\u011b\u017en\u00edho toku sestavit na p\u0159edpokl\u00e1danou d\u00e9lku poskytnut\u00ed financ\u00ed, a t\u00edmto zp\u016fsobem m\u016f\u017eete banku p\u0159esv\u011bd\u010dit, \u017ee nejen p\u016fj\u010den\u00e9 pen\u00edze, ale i \u00faroky budou vr\u00e1cen\u00e9. Z \u010deho tedy konkr\u00e9tn\u011b p\u0159i posuzov\u00e1n\u00ed \u017e\u00e1dosti o \u00fav\u011br pen\u011b\u017en\u00ed \u00fastavy vych\u00e1zej\u00ed? Ve f\u00e1ziposuzov\u00e1n\u00ed va\u0161eho podnikatelsk\u00e9ho pl\u00e1nu vych\u00e1zej\u00ed z anal\u00fdzy minul\u00fdch obdob\u00ed, a maj\u00ed p\u0159edpoklad, \u017ee se bude pokra\u010dovat v dosavadn\u00edm trendu. Zde je jasn\u00e9, \u017ee t\u011b\u017eko by banku p\u0159esv\u011bd\u010dil podnikatelsk\u00fd pl\u00e1n, kter\u00fd by p\u0159edlo\u017eil dlouhodob\u011b ztr\u00e1tov\u00fd podnik. P\u0159i posuzov\u00e1n\u00ed vych\u00e1zej\u00ed pen\u011b\u017en\u00ed \u00fastavy z toho, \u017ee jsou pro n\u011b cenn\u00e9 ty firmy, kter\u00e9 jsou dlouhodob\u011b ziskov\u00e9, i kdy\u017e je tady ni\u017e\u0161\u00ed tvorba zisku. Banka tak\u00e9 mus\u00ed p\u0159\u00edzniv\u011b ohodnotit spo\u010d\u00edtan\u00e9 n\u00e1klady, jak m\u00e1te definovan\u00fd v\u00e1\u0161 p\u0159edm\u011bt podnik\u00e1n\u00ed a jak\u00e9 jsou va\u0161e dosavadn\u00ed zku\u0161enosti v t\u00e9to oblasti.                                                                                                                                                                                                                                                                                                                                                                                                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