[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/akceptacni-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/akceptacni-uver\/","headline":"Akcepta\u010dn\u00ed \u00fav\u011br","name":"Akcepta\u010dn\u00ed \u00fav\u011br","description":"Setkali jste se s pojmem akcepta\u010dn\u00ed \u00fav\u011br? Nev\u00edte, co p\u0159esn\u011b tato slova znamenaj\u00ed? U akcepta\u010dn\u00edho \u00fav\u011bru hraj\u00ed hlavn\u00ed roli dva subjekty. D\u016fle\u017eit\u00e1 je banka a dlu\u017en\u00edk. Cel\u00fd proces je spojen se sm\u011bnkou, kter\u00e1 hraje vedlej\u0161\u00ed roli. Tento \u00fav\u011br se t\u00fdk\u00e1 p\u0159edev\u0161\u00edm banky a dlu\u017en\u00edka. Ale jedn\u00e1 se o \u00fav\u011br, kdy banka neposkytuje \u017e\u00e1dn\u00e9 finan\u010dn\u00ed prost\u0159edky, &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/akceptacni-uver\/\"> <span class=\"screen-reader-text\">Akcepta\u010dn\u00ed \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-15","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"url":"https:\/\/www.zerba.cz\/akceptacni-uver\/","about":["P\u016fj\u010dky"],"wordCount":417,"articleBody":"Setkali jste se s pojmem akcepta\u010dn\u00ed \u00fav\u011br? Nev\u00edte, co p\u0159esn\u011b tato slova znamenaj\u00ed? U akcepta\u010dn\u00edho \u00fav\u011bru hraj\u00ed hlavn\u00ed roli dva subjekty. D\u016fle\u017eit\u00e1 je banka a dlu\u017en\u00edk. Cel\u00fd proces je spojen se sm\u011bnkou, kter\u00e1 hraje vedlej\u0161\u00ed roli. Tento \u00fav\u011br se t\u00fdk\u00e1 p\u0159edev\u0161\u00edm banky a dlu\u017en\u00edka. Ale jedn\u00e1 se o \u00fav\u011br, kdy banka neposkytuje \u017e\u00e1dn\u00e9 finan\u010dn\u00ed prost\u0159edky, tedy neposkytuje klientovi pen\u00edze. Dohoda z\u00e1vis\u00ed na sm\u011bnce, jej\u00ed\u017e n\u00e1le\u017eitosti jsou uveden\u00e9 v&nbsp;\u00fav\u011brov\u00e9 smlouv\u011b. Akcepta\u010dn\u00ed \u00fav\u011br znamen\u00e1, \u017ee banka p\u0159evezme z\u00e1vazek od dlu\u017en\u00edka. Pod t\u011bmito slovy si&nbsp;toho v&nbsp;praxi je\u0161t\u011b moc nep\u0159edstav\u00edme, tak\u017ee si vysv\u011btl\u00edme podrobn\u011bj\u0161\u00ed popis dan\u00e9 problematiky. Jak cel\u00fd proces prob\u00edh\u00e1 a co v\u0161echno se odehr\u00e1v\u00e1? To si nyn\u00ed pop\u00ed\u0161eme a d\u00edky tomu si celou situaci osv\u011btl\u00edme. Za\u010dneme hezky od za\u010d\u00e1tku, m\u00e1me zde klienta, kter\u00fd se stane dlu\u017en\u00edkem, ale k&nbsp;tomu se je\u0161t\u011b dostaneme. Tento klient vystav\u00ed sm\u011bnku. Sm\u011bnka mus\u00ed u\u017e m\u00edt konkr\u00e9tn\u00ed podobu, tak\u017ee je vystaven\u00e1 na konkr\u00e9tn\u00ed banku, na konkr\u00e9tn\u00ed \u010d\u00e1stku a na konkr\u00e9tn\u00ed dobu splatnosti. Klient se s&nbsp;touto bankou dohodne a ve\u0161ker\u00e9 n\u00e1le\u017eitosti jsou uveden\u00e9 v&nbsp;\u00fav\u011brov\u00e9 smlouv\u011b (\u010d\u00e1stka a lh\u016fta splatnosti). Jakmile banka tuto sm\u011bnku akceptuje, stane se klient dlu\u017en\u00edkem banky. Banka tedy neposkytuje \u017e\u00e1dn\u00e9 finan\u010dn\u00ed prost\u0159edky, n\u00fdbr\u017e p\u0159ej\u00edm\u00e1 z\u00e1vazek dlu\u017en\u00edka. Banka v&nbsp;tomto ohledu garantuje zaplacen\u00ed z\u00e1vazku. Dlu\u017en\u00edk mus\u00ed stihnout dolo\u017eit pen\u00edze p\u0159ed dobou splatnosti sm\u011bnky.\tAkcepta\u010dn\u00ed \u00fav\u011br neb\u00fdv\u00e1 \u010dast\u00fdTento proces se v&nbsp;praxi vid\u00ed jen z\u0159\u00eddka. V\u011bt\u0161inou na n\u011bj maj\u00ed n\u00e1rok v\u00fdznamn\u00ed lid\u00e9, \u010dasto ozna\u010dov\u00e1ni jako V.I.P., proto\u017ee se t\u00edmto zp\u016fsobem banka ur\u010dit\u00fdm zp\u016fsobem zavazuje za klienta p\u0159ebrat jeho z\u00e1vazek. Banka toti\u017e sm\u011bnku u\u010din\u00ed takzvan\u011b obchodovateln\u011bj\u0161\u00ed, proto\u017ee v\u0161e garantuje sv\u00fdm jm\u00e9nem.Jakmile v\u0161e prob\u011bhne v&nbsp;po\u0159\u00e1dku a dlu\u017en\u00edk stihne dolo\u017eit pen\u00edze p\u0159ed splatnost\u00ed sm\u011bnky, je v\u0161e tak, jak m\u00e1 b\u00fdt, a ob\u011b strany mohou b\u00fdt spokojen\u00e9.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Akcepta\u010dn\u00ed \u00fav\u011br","item":"https:\/\/www.zerba.cz\/akceptacni-uver\/#breadcrumbitem"}]}]