{"id":2645,"date":"2022-06-07T17:11:00","date_gmt":"2022-06-07T16:11:00","guid":{"rendered":"https:\/\/www.teletalmagazin.hu\/?p=2645"},"modified":"2022-07-28T15:10:58","modified_gmt":"2022-07-28T14:10:58","slug":"pujcka-pro-osvc-pujcka-pred-vyplatou-bez-danoveho-priznani","status":"publish","type":"post","link":"https:\/\/www.teletalmagazin.hu\/index.php\/2022\/06\/07\/pujcka-pro-osvc-pujcka-pred-vyplatou-bez-danoveho-priznani\/","title":{"rendered":"P\u016fj\u010dka pro OSV\u010c P\u016fj\u010dka p\u0159ed v\u00fdplatou bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed"},"content":{"rendered":"

Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 jsou osoby, kter\u00e9 nejsou zam\u011bstn\u00e1ny jinou spole\u010dnost\u00ed nebo fyzickou osobou. Mohou to b\u00fdt nez\u00e1visl\u00ed dodavatel\u00e9 nebo vlastnit sv\u016fj vlastn\u00ed podnik. M\u016f\u017ee j\u00edt o jedin\u00e9ho vlastn\u00edka, partnerstv\u00ed nebo spole\u010dnost. Obecn\u011b plat\u00ed, \u017ee osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 mus\u00ed vlastnit alespo\u0148 25 % sv\u00e9ho podniku a platit mzdu. Pokud jsou OSV\u010c a nepod\u00e1vaj\u00ed da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, mohou m\u00edt st\u00e1le n\u00e1rok na p\u016fj\u010dku. V\u011b\u0159itel bude pot\u0159ebovat p\u0159\u00edstup k da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm pro podnik\u00e1n\u00ed, aby mohl ur\u010dit v\u00fd\u0161i p\u0159\u00edjmu, kter\u00fd osoba samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e1.<\/p>\n

\"p\u016fj\u010dka <\/p>\n

Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 by m\u011bly m\u00edt \u010dist\u00e9 obchodn\u00ed z\u00e1znamy, co\u017e zahrnuje odd\u011blen\u00ed jejich osobn\u00edch financ\u00ed od jejich podnik\u00e1n\u00ed. Pro obchodn\u00ed v\u00fddaje by m\u011bli pou\u017e\u00edvat samostatn\u00e9 kreditn\u00ed karty a bankovn\u00ed \u00fa\u010dty. M\u011bli by zaznamen\u00e1vat v\u0161echny m\u011bs\u00ed\u010dn\u00ed v\u00fddaje a \u010dtvrtletn\u00ed v\u00fdkazy v\u00fdd\u011blk\u016f. Tyto z\u00e1znamy by m\u011bli uchov\u00e1vat i pro da\u0148ov\u00e9 \u00fa\u010dely. Samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00ed dlu\u017en\u00edci by si m\u011bli b\u00fdt v\u011bdomi toho, \u017ee poskytovatel\u00e9 p\u016fj\u010dek jsou ochotni s nimi spolupracovat, proto\u017ee budou posuzovat celkovou finan\u010dn\u00ed situaci dlu\u017en\u00edka.<\/p>\n

Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 mohou m\u00edt p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku probl\u00e9m prok\u00e1zat, \u017ee jejich p\u0159\u00edjmy jsou dostate\u010dn\u00e9 na pokryt\u00ed P\u016fj\u010dka p\u0159ed v\u00fdplatou<\/a> jejich v\u00fddaj\u016f. Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 by m\u011bly zn\u00e1t po\u017eadavky na z\u00edsk\u00e1n\u00ed \u00fav\u011bru a porovnat je s po\u017eadavky ostatn\u00edch pracovn\u00edk\u016f ve sv\u00e9m oboru. V mnoha p\u0159\u00edpadech m\u016f\u017ee b\u00fdt osobn\u00ed p\u016fj\u010dka u\u017eite\u010dn\u00e1 pro konsolidaci dluhu a dal\u0161\u00ed osobn\u00ed pot\u0159eby. Dokud maj\u00ed dlu\u017en\u00edci pravideln\u00fd p\u0159\u00edjem, jsou nezaji\u0161t\u011bn\u00e9 osobn\u00ed p\u016fj\u010dky nejb\u011b\u017en\u011bj\u0161\u00ed volbou pro konsolidaci dluhu.<\/p>\n

\u017divnostn\u00edci sice mohou m\u00edt s prokazov\u00e1n\u00edm sv\u00fdch p\u0159\u00edjm\u016f slo\u017eit\u011bj\u0161\u00ed probl\u00e9my, p\u0159esto by m\u011bli b\u00fdt schopni prok\u00e1zat, \u017ee jsou solidn\u00edm kandid\u00e1tem na p\u016fj\u010dku. Porovn\u00e1n\u00edm sazeb poskytovatel\u016f p\u016fj\u010dek a podm\u00ednek spl\u00e1cen\u00ed mohou osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 naj\u00edt osobn\u00ed p\u016fj\u010dku, kter\u00e1 nejl\u00e9pe vyhovuje jejich pot\u0159eb\u00e1m. P\u016fj\u010dku mohou za\u010d\u00edt spl\u00e1cet, jakmile budou m\u00edt prost\u0159edky na m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Ale pamatujte, \u017ee pokud m\u00e1te \u0161patn\u00fd \u00fav\u011br nebo nem\u00e1te p\u0159\u00edjem, tento typ p\u016fj\u010dky nen\u00ed pro v\u00e1s.<\/p>\n

Pokud nem\u00e1te ned\u00e1vn\u00e9 da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed, m\u016f\u017eete vyhledat online v\u011b\u0159itele, kter\u00fd nab\u00edz\u00ed nezaji\u0161t\u011bn\u00e9 spl\u00e1tkov\u00e9 osobn\u00ed p\u016fj\u010dky a\u017e do v\u00fd\u0161e 50 000 $. Oba poskytovatel\u00e9 p\u016fj\u010dek \u017e\u00e1daj\u00ed od OSV\u010c dv\u011b ned\u00e1vn\u00e1 da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed. Pokud nem\u016f\u017eete naj\u00edt tu pravou p\u016fj\u010dku pro v\u00e1s, pod\u00edvejte se na Upstart. Nab\u00edzej\u00ed nezaji\u0161t\u011bn\u00e9 osobn\u00ed p\u016fj\u010dky a\u017e do v\u00fd\u0161e 50 000 $. Doba spl\u00e1cen\u00ed je obvykle t\u0159i a\u017e p\u011bt let. Abyste z\u00edskali n\u00e1rok na p\u016fj\u010dku pro OSV\u010c bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed, budete muset prok\u00e1zat sv\u016fj ned\u00e1vn\u00fd p\u0159\u00edjem (bu\u010f ve form\u011b digit\u00e1ln\u011b ulo\u017een\u00e9ho \u0161ekov\u00e9ho obr\u00e1zku nebo obchodn\u00ed faktury).<\/p>\n

Abyste m\u011bli n\u00e1rok na p\u016fj\u010dku pro OSV\u010c bez da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed, mus\u00edte b\u00fdt schopni prok\u00e1zat zisk nebo ztr\u00e1tu firmy.P\u0159\u00edjem osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 se odvozuje od jej\u00edho formul\u00e1\u0159e K-1, co\u017e je jako formul\u00e1\u0159 W-2 pro zam\u011bstnance. Odhaluje mno\u017estv\u00ed pen\u011bz, kter\u00e9 OSV\u010c vyd\u011bl\u00e1v\u00e1, a tak\u00e9 procentu\u00e1ln\u00ed vlastnictv\u00ed t\u011bchto p\u0159\u00edjm\u016f. \u010c\u00edm vy\u0161\u0161\u00ed zisk, t\u00edm vy\u0161\u0161\u00ed je jejich \u0161ance na z\u00edsk\u00e1n\u00ed p\u016fj\u010dky.<\/p>\n

I kdy\u017e dlu\u017en\u00edci se statusem osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 nepot\u0159ebuj\u00ed vysok\u00e9 kreditn\u00ed sk\u00f3re, p\u0159esto mohou z\u00edskat ur\u010ditou shov\u00edvavost, pokud nemaj\u00ed \u017e\u00e1dn\u00e9 dal\u0161\u00ed doklady prokazuj\u00edc\u00ed jejich p\u0159\u00edjem. V\u011b\u0159itel\u00e9 budou na p\u0159\u00edjem osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 pohl\u00ed\u017eet jako na jej\u00ed kone\u010dn\u00fd p\u0159\u00edjem a mohou vy\u017eadovat dal\u0161\u00ed dokumentaci, jako jsou obchodn\u00ed stvrzenky nebo W-2. Pokud m\u00e1 \u017eadatel dobr\u00fd \u00fav\u011br a stabiln\u00ed pen\u011b\u017en\u00ed tok, m\u011bl by b\u00fdt schopen z\u00edskat p\u016fj\u010dku.<\/p>\n

Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 mohou m\u00edt n\u00e1rok na p\u016fj\u010dku z bankovn\u00edho v\u00fdpisu, pokud maj\u00ed alespo\u0148 dva roky samostatn\u00e9 v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti a maj\u00ed st\u00e1l\u00fd p\u0159\u00edjem. I kdy\u017e tyto p\u016fj\u010dky nemaj\u00ed ochranu spot\u0159ebitele jako b\u011b\u017en\u00e1 hypot\u00e9ka, jsou \u010dasto dostupn\u00e9 bez spolusignat\u00e1\u0159e a bez sankce za p\u0159ed\u010dasn\u00e9 splacen\u00ed. Pokud je osoba samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e1 dobr\u00fdm rizikem, mo\u017en\u00e1 bude cht\u00edt vyhledat spolusignat\u00e1\u0159e, aby jim sn\u00ed\u017eil \u00farokov\u00e9 sazby.<\/p>\n

U p\u016fj\u010dky PPP mus\u00ed dlu\u017en\u00edk p\u0159edlo\u017eit formul\u00e1\u0159 1040 Schedule C pro rok 2019 nebo 2020, kter\u00fd uv\u00e1d\u00ed ve\u0161ker\u00e9 kompenzace pro nezam\u011bstnan\u00e9, kter\u00e9 obdr\u017eel za posledn\u00edch dvan\u00e1ct m\u011bs\u00edc\u016f. M\u011bli by tak\u00e9 p\u0159edlo\u017eit fakturu, v\u00fdpis z bankovn\u00edho \u00fa\u010dtu a eviden\u010dn\u00ed knihu prokazuj\u00edc\u00ed provoz sv\u00e9ho podnik\u00e1n\u00ed kolem 15. \u00fanora 2020. Pou\u017eit\u00ed hrub\u00e9ho p\u0159\u00edjmu nam\u00edsto \u010dist\u00e9ho zisku m\u016f\u017ee \u017eivnostn\u00edk\u016fm pomoci z\u00edskat v\u011bt\u0161\u00ed \u00fav\u011br.<\/p>\n","protected":false},"excerpt":{"rendered":"

Osoby samostatn\u011b v\u00fdd\u011ble\u010dn\u011b \u010dinn\u00e9 jsou osoby, kter\u00e9 nejsou zam\u011bstn\u00e1ny jinou spole\u010dnost\u00ed nebo fyzickou osobou. Mohou to b\u00fdt nez\u00e1visl\u00ed dodavatel\u00e9 nebo<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/posts\/2645"}],"collection":[{"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/comments?post=2645"}],"version-history":[{"count":1,"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/posts\/2645\/revisions"}],"predecessor-version":[{"id":2646,"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/posts\/2645\/revisions\/2646"}],"wp:attachment":[{"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/media?parent=2645"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/categories?post=2645"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.teletalmagazin.hu\/index.php\/wp-json\/wp\/v2\/tags?post=2645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}