[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.tapomat.cz\/rating\/#Article","mainEntityOfPage":"https:\/\/www.tapomat.cz\/rating\/","headline":"Rating","name":"Rating","description":"P\u0159i \u017e\u00e1dosti o \u00fav\u011br m\u00e1 pro finan\u010dn\u00ed \u00fastav velk\u00fd v\u00fdznam ratingov\u00e9 hodnocen\u00ed \u017eadatele. O co se jedn\u00e1? Rating se vysv\u011btluje…","datePublished":"2019-11-25","dateModified":"2023-05-03","author":{"@type":"Person","@id":"https:\/\/www.tapomat.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.tapomat.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"tapomat.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.tapomat.cz\/wp-content\/uploads\/img_a361996_w4178_t1575039958.jpg","url":"https:\/\/www.tapomat.cz\/wp-content\/uploads\/img_a361996_w4178_t1575039958.jpg","height":0,"width":0},"url":"https:\/\/www.tapomat.cz\/rating\/","about":["Finance"],"wordCount":438,"articleBody":"P\u0159i \u017e\u00e1dosti o \u00fav\u011br m\u00e1 pro finan\u010dn\u00ed \u00fastav velk\u00fd v\u00fdznam ratingov\u00e9 hodnocen\u00ed \u017eadatele. O co se jedn\u00e1? Rating se vysv\u011btluje jako podnikatelovo vysv\u011bd\u010den\u00ed, kdy d\u00edky dobr\u00e9mu hodnocen\u00ed m\u016f\u017eete jako podnikatel dos\u00e1hnout nejen lep\u0161\u00edch \u00fav\u011brov\u00fdch podm\u00ednek, ale tak\u00e9 \u00fav\u011br z\u00edskat. Je tak\u00e9 ur\u010dit\u00fdm vyj\u00e1d\u0159en\u00edm, v\u00a0jak\u00e9 moment\u00e1ln\u00ed situaci je firma, zejm\u00e9na ve vztahu k \u00fav\u011brov\u00e9mu riziku. To znamen\u00e1 posouzen\u00ed, zda budete schopni dostat sv\u00fdm z\u00e1vazk\u016fm. Tak\u017ee pozitivn\u00ed rating je spojen\u00fd s\u00a0pravd\u011bpodobnost\u00ed, \u017ee z\u00edsk\u00e1te \u00fav\u011br. Pokud by byl negativn\u00ed, tak \u017e\u00e1dost o \u00fav\u011br m\u016f\u017ee b\u00fdt zam\u00edtnuta. Uveden\u00fdm hodnocen\u00edm se zab\u00fdvaj\u00ed specializovan\u00e9 instituce, ale m\u016f\u017eete o jeho proveden\u00ed po\u017e\u00e1dat i Hospod\u00e1\u0159skou a obchodn\u00ed komoru (HOK). Ta k\u00a0hodnocen\u00ed vyu\u017e\u00edv\u00e1 sedmibodov\u00e9ho hodnocen\u00ed. U n\u00e1s jsou bankovn\u00ed \u00fav\u011bry t\u00edm nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00edm zp\u016fsobem jak z\u00edskat finance k\u00a0podnik\u00e1n\u00ed.\tCo je t\u0159eba k\u00a0\u017e\u00e1dosti o \u00fav\u011br dolo\u017eit?Banka bude po\u017eadovat krom\u011b podnikatelsk\u00e9ho pl\u00e1nu i dal\u0161\u00ed p\u0159\u00edlohy. Jedn\u00e1 se v\u00a0prvn\u00edm p\u0159\u00edpad\u011b o opr\u00e1vn\u011bn\u00ed k podnikatelsk\u00e9 \u010dinnosti \u017eadatele, dokl\u00e1d\u00e1te to v\u00fdpisem z obchodn\u00edho rejst\u0159\u00edku, \u017eivnostensk\u00fdm listem, koncesn\u00ed listinou. Dokumenty by nem\u011bly b\u00fdt \u00a0star\u0161\u00ed jednoho m\u011bs\u00edce. Dal\u0161\u00edmi doklady jsou potvrzen\u00ed od spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed o v\u00fd\u0161i va\u0161ich z\u00e1vazk\u016f a stejn\u00e9 potvrzen\u00ed od finan\u010dn\u00edho \u00fa\u0159adu. Dal\u0161\u00edmi podklady k\u00a0\u017e\u00e1dosti jsou \u00fa\u010detn\u00ed v\u00fdkazy za posledn\u00ed dva roky, ty mus\u00ed b\u00fdt na p\u0159edepsan\u00fdch formul\u00e1\u0159\u00edch, opat\u0159en\u00e9 firemn\u00edm raz\u00edtkem s podpisy statut\u00e1rn\u00edho z\u00e1stupce firmy. Pokud je zde povinnost auditu, tak je nutn\u00e9 poskytnout auditovanou \u00fa\u010detn\u00ed z\u00e1v\u011brku, a to v\u010detn\u011b zpr\u00e1vy a v\u00fdroku auditora. D\u00e1le jsou po\u017eadovan\u00e9 aktu\u00e1ln\u00ed \u00fa\u010detn\u00ed v\u00fdkazy a p\u0159\u00edloha dopl\u0148uj\u00edc\u00edch koment\u00e1\u0159\u016f k \u00fa\u010detn\u00edm v\u00fdkaz\u016fm, da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed, progn\u00f3zovan\u00e9 v\u00fdkazy, konsolidovan\u00e9 \u00fa\u010detn\u00ed v\u00fdkazy za posledn\u00ed dva roky, v\u00fdro\u010dn\u00ed zpr\u00e1vy za posledn\u00ed dva roky, pojistn\u00e9 smlouvy a tak\u00e9 bankovn\u00ed reference. A v p\u0159\u00edpad\u011b investi\u010dn\u00edho \u00fav\u011bru se p\u0159edkl\u00e1d\u00e1 kupn\u00ed smlouva, pl\u00e1n nemovitosti, propo\u010det a doklady o v\u00fdnosech nemovitosti. Aby toho nebylo m\u00e1lo, tak se p\u0159edkl\u00e1d\u00e1 stavebn\u00ed povolen\u00ed, smlouvy o dod\u00e1vk\u00e1ch prac\u00ed na stavb\u011b a rozpo\u010det stavby.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Rating","item":"https:\/\/www.tapomat.cz\/rating\/#breadcrumbitem"}]}]