[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-preklenovaci-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-preklenovaci-uver\/","headline":"Co je p\u0159eklenovac\u00ed \u00fav\u011br","name":"Co je p\u0159eklenovac\u00ed \u00fav\u011br","description":"Stavba domu, koup\u011b bytu, rekonstrukce dom\u00e1cnosti, to v\u0161echno jsou v\u00fddaje, kter\u00e9 b\u00fdvaj\u00ed velice \u010dast\u00e9 z&nbsp;pohledu b\u011b\u017en\u00e9ho \u017eivota lid\u00ed. V&nbsp;minulosti se na tyto v\u00fddaje braly p\u016fj\u010dky nebo \u00fav\u011bry podle toho, jak vysokou \u010d\u00e1stku jste k&nbsp;po\u0159\u00edzen\u00ed bytu, stavb\u011b domu nebo k&nbsp;rekonstrukci obydl\u00ed pot\u0159ebovali. Teprve a\u017e v&nbsp;minul\u00e9m stolet\u00ed od roku 1993 se z\u0159\u00eddilo pomoc\u00ed bankovn\u00edch instituc\u00ed takzvan\u00e9 stavebn\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-preklenovaci-uver\/\"> <span class=\"screen-reader-text\">Co je p\u0159eklenovac\u00ed \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-26","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-preklenovaci-uver\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":467,"articleBody":"Stavba domu, koup\u011b bytu, rekonstrukce dom\u00e1cnosti, to v\u0161echno jsou v\u00fddaje, kter\u00e9 b\u00fdvaj\u00ed velice \u010dast\u00e9 z&nbsp;pohledu b\u011b\u017en\u00e9ho \u017eivota lid\u00ed. V&nbsp;minulosti se na tyto v\u00fddaje braly p\u016fj\u010dky nebo \u00fav\u011bry podle toho, jak vysokou \u010d\u00e1stku jste k&nbsp;po\u0159\u00edzen\u00ed bytu, stavb\u011b domu nebo k&nbsp;rekonstrukci obydl\u00ed pot\u0159ebovali. Teprve a\u017e v&nbsp;minul\u00e9m stolet\u00ed od roku 1993 se z\u0159\u00eddilo pomoc\u00ed bankovn\u00edch instituc\u00ed takzvan\u00e9 stavebn\u00ed spo\u0159en\u00ed v&nbsp;podob\u011b, jakou m\u00e1 dodnes. A pr\u00e1v\u011b se staven\u00edm spo\u0159en\u00edm je spojen i p\u0159eklenovac\u00ed \u00fav\u011br. Nyn\u00ed si \u0159ekneme, co je to stavebn\u00ed spo\u0159en\u00ed? Jde o druh spo\u0159en\u00ed, na kter\u00fd vkl\u00e1d\u00e1me nap\u0159\u00edklad m\u011bs\u00ed\u010dn\u011b, pravideln\u011b ur\u010dit\u00fd obnos financ\u00ed. M\u016f\u017eete si spo\u0159it 200K\u010d, 500K\u010d nebo i 1000K\u010d. Budouc\u00ed naspo\u0159en\u00e9 pen\u00edze si m\u016f\u017eete po dob\u011b vypr\u0161en\u00ed doby spo\u0159en\u00ed vybrat a pou\u017e\u00edt je libovoln\u00fdm zp\u016fsobem, budete m\u00edt n\u00e1rok i na st\u00e1tn\u00ed podporu, nebo si m\u016f\u017eete pomoc\u00ed tohoto spo\u0159en\u00ed z\u0159\u00eddit \u00fav\u011br. V&nbsp;p\u0159\u00edpad\u011b, \u017ee si vyberete \u00fav\u011br, pak pen\u00edze mus\u00edte vlo\u017eit do bydlen\u00ed, na ji\u017e zm\u00edn\u011bnou stavbu dobu, koupi bytu, nebo rekonstrukci dom\u00e1cnosti.\tSpojitost se stavebn\u00edm spo\u0159en\u00edmLid\u00e9 si z\u0159izuj\u00ed stavebn\u00ed spo\u0159en\u00ed mnohdy n\u00e1hodn\u011b a po\u010d\u00edtaj\u00ed s&nbsp;n\u011bjak\u00fdmi v\u00fddaji v&nbsp;budoucnu. Postupem \u010dasu se v\u0161ak m\u016f\u017ee st\u00e1t, \u017ee ne\u017e naspo\u0159\u00ed kone\u010dnou \u010d\u00e1stku, pot\u0159ebuj\u00ed bydlen\u00ed vy\u0159e\u0161it d\u0159\u00edve a pot\u0159ebuj\u00ed si tedy vz\u00edt \u00fav\u011br, proto je zde p\u0159eklenovac\u00ed \u00fav\u011br. Ten v\u00e1m pom\u016f\u017ee pr\u00e1v\u011b v&nbsp;p\u0159\u00edpad\u011b, \u017ee nem\u00e1te naspo\u0159enou c\u00edlovou \u010d\u00e1stku. Pr\u00e1v\u011b p\u0159eklenovac\u00ed \u00fav\u011br umo\u017en\u00ed, \u017ee si m\u016f\u017eete vz\u00edt \u00fav\u011br z&nbsp;\u010d\u00e1sti naspo\u0159en\u00fdch pen\u011bz d\u0159\u00edve, ne\u017e budete m\u00edt naspo\u0159enou kone\u010dnou \u010d\u00e1stku. M\u016f\u017ee se sjednat ve stejn\u00e9 \u010d\u00e1stce, na kterou je nastavena c\u00edlov\u00e1 \u010d\u00e1stka stavebn\u00edho spo\u0159en\u00ed. Nav\u00edc jej m\u016f\u017eete z\u00edskat ihned po uzav\u0159en\u00ed smlouvy. Tento \u00fav\u011br nespl\u00e1c\u00edte postupn\u011b, v&nbsp;tom je velk\u00fd rozd\u00edl oproti jin\u00fdm druh\u016fm \u00fav\u011br\u016f, ale splat\u00edte jej jednor\u00e1zov\u011b. Jakmile za\u010dne p\u0159eklenovac\u00ed \u00fav\u011br b\u011b\u017eet, plat\u00edte pouze \u00farok a nad\u00e1le si spo\u0159\u00edte. Nespl\u00e1c\u00edte tedy dluh. A\u017e n\u00e1sledn\u011b, jakmile spln\u00edte podm\u00ednky z\u00edsk\u00e1n\u00ed \u00fav\u011bru, nebudete d\u00e1l platit \u00farok p\u0159eklenovac\u00edho \u00fav\u011bru a spo\u0159it ur\u010ditou \u010d\u00e1stku, ale za\u010dnete platit \u00farok z&nbsp;\u00fav\u011bru a za\u010dnete spl\u00e1cet dluh.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je p\u0159eklenovac\u00ed \u00fav\u011br","item":"https:\/\/www.zerba.cz\/co-je-preklenovaci-uver\/#breadcrumbitem"}]}]