[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-kontokorent\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-kontokorent\/","headline":"Co je kontokorent","name":"Co je kontokorent","description":"Na ot\u00e1zku: &bdquo;Co je to kontokorent?&ldquo;, m\u016f\u017eeme odpov\u011bd\u011bt t\u00edm zp\u016fsobem, \u017ee se jedn\u00e1 o mo\u017enost \u010derp\u00e1n\u00ed dal\u0161\u00edch pen\u011bz na b\u011b\u017en\u00e9m \u00fa\u010dtu, i p\u0159esto, \u017ee u\u017e jste na nule. Co si pod t\u00edm v&nbsp;praxi m\u016f\u017eeme p\u0159edstavit? Kontokorent se tedy ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f vyu\u017e\u00edv\u00e1 v&nbsp;souvislosti s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem, kter\u00fd m\u016f\u017eete m\u00edt zalo\u017een\u00fd kdekoliv. M\u016f\u017eeme jej nazvat jako dopl\u0148kovou &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-kontokorent\/\"> <span class=\"screen-reader-text\">Co je kontokorent<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-14","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\/co-je-kontokorent\/","about":["P\u016fj\u010dky"],"wordCount":529,"articleBody":"Na ot\u00e1zku: &bdquo;Co je to kontokorent?&ldquo;, m\u016f\u017eeme odpov\u011bd\u011bt t\u00edm zp\u016fsobem, \u017ee se jedn\u00e1 o mo\u017enost \u010derp\u00e1n\u00ed dal\u0161\u00edch pen\u011bz na b\u011b\u017en\u00e9m \u00fa\u010dtu, i p\u0159esto, \u017ee u\u017e jste na nule. Co si pod t\u00edm v&nbsp;praxi m\u016f\u017eeme p\u0159edstavit? Kontokorent se tedy ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f vyu\u017e\u00edv\u00e1 v&nbsp;souvislosti s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem, kter\u00fd m\u016f\u017eete m\u00edt zalo\u017een\u00fd kdekoliv. M\u016f\u017eeme jej nazvat jako dopl\u0148kovou slu\u017ebu. Na \u00fa\u010det v\u00e1m chod\u00ed v\u00fdplata a ka\u017ed\u00fd m\u011bs\u00edc v\u00e1m z&nbsp;n\u011bj odch\u00e1z\u00ed tak\u00e9 n\u011bjak\u00e9 platby, jako SIPO, na bydlen\u00ed, poji\u0161t\u011bn\u00ed a dal\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed poplatky. V&nbsp;n\u011bkter\u00fdch p\u0159\u00edpadech se m\u016f\u017eete s&nbsp;poplatky dostat a\u017e na nulu, co\u017e nen\u00ed v\u00fdjimkou ani \u017e\u00e1dn\u00fdm p\u0159ekvapen\u00edm, proto\u017ee jsme utratili jeden m\u011bs\u00edc v\u00edc ne\u017e jindy. Na \u00fa\u010dtu tedy u\u017e nem\u00e1te dostate\u010dnou hotovost, ale pot\u0159ebujete je\u0161t\u011b n\u011bco zaplatit. Co v&nbsp;takov\u00e9m p\u0159\u00edpad\u011b d\u011blat? Pr\u00e1v\u011b nyn\u00ed m\u016f\u017eete s\u00e1hnout do &bdquo;rezervy&ldquo; a vyu\u017e\u00edt kontokorent. Pen\u00edze tedy z&nbsp;\u00fa\u010dtu budete moci je\u0161t\u011b \u010derpat, a to pr\u00e1v\u011b v&nbsp;situaci, kdy u\u017e tam sami \u017e\u00e1dn\u00e9 pen\u00edze nem\u00e1te. Jedn\u00e1 se o jak\u00e9si povolen\u00ed, \u017ee m\u016f\u017eete \u010derpat do m\u00ednusu. Tuto transakci m\u016f\u017eeme ozna\u010dit tak\u00e9 jako p\u016fj\u010dku. M\u016f\u017eete j\u00edt na \u00fa\u010dtu do m\u00ednusu.\tA jak je to s&nbsp;podm\u00ednkami a zalo\u017een\u00edm?Podm\u00ednky kontokorentu a samotn\u00fd kontokorent v\u011bt\u0161inou souvis\u00ed se zalo\u017een\u00edm b\u011b\u017en\u00e9ho \u00fa\u010dtu. U\u017e na p\u0159ep\u00e1\u017ece se mohou zeptat, jestli chcete kontokorent. Ur\u010d\u00ed se, do jak\u00e9 v\u00fd\u0161e m\u016f\u017eete \u010derpat a hned na za\u010d\u00e1tku v\u00edte, na co budete m\u00edt n\u00e1rok, do jak\u00e9 \u010d\u00e1stky m\u016f\u017eete tuto slu\u017ebu vyu\u017e\u00edt. Jestli\u017ee si jej z\u0159\u00edd\u00edte, m\u016f\u017eete \u010derpat pen\u00edze z&nbsp;b\u011b\u017en\u00e9ho \u00fa\u010dtu i v&nbsp;p\u0159\u00edpad\u011b, \u017ee jste na nule a jdete takzvan\u011b do m\u00ednusu. Pen\u00edze tam n\u00e1sledn\u011b m\u016f\u017eete vlo\u017eit kdykoliv, a to t\u0159eba i hned na druh\u00fd den. V\u011bt\u0161inu kontokorent\u016f m\u016f\u017eete splatit do 6 m\u011bs\u00edc\u016f a\u017e 1 roku. Do ur\u010dit\u00e9 doby tedy mus\u00edte j\u00edt s&nbsp;\u00fa\u010dtem do plusu. Pen\u00edze t\u00edmto zp\u016fsobem m\u016f\u017eete z\u00edsk\u00e1vat a vracet klidn\u011b ka\u017ed\u00fd m\u011bs\u00edc. M\u016f\u017eete tedy tuto slu\u017ebu vyu\u017e\u00edvat opakovan\u011b. Je v\u0161ak d\u016fle\u017eit\u00e9, zjistit si p\u0159edem v\u0161echny podm\u00ednky kontokorentu. Jestli za vyu\u017eit\u00ed t\u00e9to slu\u017eby nep\u0159eplat\u00edte n\u00e1sledn\u011b vysok\u00e9 poplatky.A kolik m\u016f\u017ee b\u00fdt takov\u00fd kontokorent? O jakou \u010d\u00e1stku se m\u016f\u017ee jednat? Obvykle se m\u016f\u017ee jednat o dvojn\u00e1sobek a\u017e trojn\u00e1sobek m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. M\u016f\u017ee j\u00edt tedy o p\u00e1r a\u017e n\u011bkolik des\u00edtek tis\u00edc korun.                                                                                                                                                                                                                                                                                                                                                                                                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