[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-revolvingovy-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-revolvingovy-uver\/","headline":"Co je revolvingov\u00fd \u00fav\u011br","name":"Co je revolvingov\u00fd \u00fav\u011br","description":"Kdy\u017e se \u0159ekne revolvingov\u00fd \u00fav\u011br, jen m\u00e1lokdo si pod t\u00edmto pojmem n\u011bco p\u0159edstav\u00ed. V\u011bt\u0161inou za\u010dneme t\u00e1pat, jestli se jedn\u00e1 o oby\u010dejn\u00fd spot\u0159ebitelsk\u00fd druh \u00fav\u011bru nebo jestli se jedn\u00e1 sp\u00ed\u0161e o podnikatelsk\u00fd typ \u00fav\u011bru, \u010di s&nbsp;\u010d\u00edm vlastn\u011b m\u016f\u017ee m\u00edt tento \u00fav\u011br n\u011bjakou spojitost? To v\u0161echno se n\u00e1m hon\u00ed v&nbsp;hlav\u011b, ani\u017e bychom znali z\u00e1kladn\u00ed vlastnosti. Revolvingov\u00fd \u00fav\u011br &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-revolvingovy-uver\/\"> <span class=\"screen-reader-text\">Co je revolvingov\u00fd \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-16","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-revolvingovy-uver\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":450,"articleBody":"Kdy\u017e se \u0159ekne revolvingov\u00fd \u00fav\u011br, jen m\u00e1lokdo si pod t\u00edmto pojmem n\u011bco p\u0159edstav\u00ed. V\u011bt\u0161inou za\u010dneme t\u00e1pat, jestli se jedn\u00e1 o oby\u010dejn\u00fd spot\u0159ebitelsk\u00fd druh \u00fav\u011bru nebo jestli se jedn\u00e1 sp\u00ed\u0161e o podnikatelsk\u00fd typ \u00fav\u011bru, \u010di s&nbsp;\u010d\u00edm vlastn\u011b m\u016f\u017ee m\u00edt tento \u00fav\u011br n\u011bjakou spojitost? To v\u0161echno se n\u00e1m hon\u00ed v&nbsp;hlav\u011b, ani\u017e bychom znali z\u00e1kladn\u00ed vlastnosti. Revolvingov\u00fd \u00fav\u011br je samoz\u0159ejm\u011b druh \u00fav\u011bru, jak ji\u017e samotn\u00fd n\u00e1zev napov\u00edd\u00e1. S&nbsp;\u010d\u00edm je ale spojen a k&nbsp;\u010demu jej m\u016f\u017eeme p\u0159irovnat? V&nbsp;podstat\u011b se jedn\u00e1 o typ \u00fav\u011bru poskytovan\u00e9ho bankovn\u00edmi institucemi, ale formou finan\u010dn\u00edho produktu, kter\u00fd nen\u00ed v\u00e1z\u00e1n na bankovn\u00ed \u00fa\u010det.\tNahl\u00e9dneme do z\u00e1kulis\u00edKomu je tedy poskytov\u00e1n? \u00dav\u011br je poskytov\u00e1n klient\u016fm, kte\u0159\u00ed pen\u00edze vyu\u017eij\u00ed na financov\u00e1n\u00ed ob\u011b\u017en\u00e9ho majetku. Jedn\u00e1 se tedy o druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru vhodn\u00e9ho pro \u0161ir\u0161\u00ed ve\u0159ejnost, ale i pro podnikatele. \u010casto je vyu\u017e\u00edv\u00e1n pr\u00e1v\u011b podnikateli a firmami na n\u00e1kup pot\u0159eb spojen\u00fdch s&nbsp;podnik\u00e1n\u00edm, jako jsou z\u00e1soby \u010di ob\u011b\u017en\u00fd majetek. Mohou si jej tedy sjednat OSV\u010c, vlastn\u00edc\u00ed \u017eivnostensk\u00e9 opr\u00e1vn\u011bn\u00ed, ale i firmy a dal\u0161\u00ed podniky. Podnikatel si sjedn\u00e1 tento \u00fav\u011br a a\u017e dostane zaplaceno od odb\u011bratel\u016f, m\u016f\u017ee jej splatit. Jedn\u00e1 se o kr\u00e1tkodob\u00fd \u00fav\u011br, kter\u00fd m\u016f\u017eete \u010derpat za pomoc\u00ed kreditn\u00ed karty. Nastav\u00ed se v\u00fd\u0161e \u00fav\u011bru a n\u00e1sledn\u011b jej klient postupn\u011b \u010derp\u00e1, a\u017e do vy\u010derp\u00e1n\u00ed cel\u00e9 \u010d\u00e1stky \u00fav\u011bru. \u00dav\u011br se m\u016f\u017ee spl\u00e1cet samoz\u0159ejm\u011b tak\u00e9 postupn\u011b. Pen\u00edze se v\u011bt\u0161inou uvol\u0148uj\u00ed v&nbsp;m\u011bs\u00ed\u010dn\u00edch pravideln\u00fdch intervalech. Nemus\u00edte ale \u00fav\u011br vy\u010derpat cel\u00fd. Poskytuje se tak\u00e9 lidem na n\u00e1kup b\u011b\u017en\u00fdch pot\u0159eb.Jestli\u017ee chceme nahl\u00e9dnout je\u0161t\u011b v\u00edce do z\u00e1kulis\u00ed dan\u00e9 problematiky, m\u016f\u017eeme si \u0159\u00edct, \u017ee banka m\u016f\u017ee regulovat c\u00edlovou \u010d\u00e1stku \u00fav\u011bru. V\u011bt\u0161inou se tento typ \u00fav\u011bru poskytuje na dobu jednoho roku. Jakmile klient zaplat\u00ed dlu\u017enou \u010d\u00e1stku, m\u016f\u017ee \u00fav\u011br znovu op\u011btovn\u011b \u010derpat. A\u017e do kone\u010dn\u00e9 v\u00fd\u0161e \u00fav\u011bru.Z\u00e1kladn\u00ed charakteristikaSamostatn\u00fd finan\u010dn\u00ed produkt, kter\u00fd nen\u00ed v\u00e1z\u00e1n na bankovn\u00ed \u00fa\u010det. Druh spot\u0159ebitelsk\u00e9ho \u00fav\u011bru, kter\u00fd v\u0161ak mohou vyu\u017e\u00edvat i podnikatel\u00e9. Pen\u00edze nemus\u00edte \u010derpat cel\u00e9 najednou, ale jen dle pot\u0159eby. Spl\u00e1c\u00ed se postupn\u011b, m\u016f\u017eete jej vyu\u017e\u00edt opakovan\u011b.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je revolvingov\u00fd \u00fav\u011br","item":"https:\/\/www.zerba.cz\/co-je-revolvingovy-uver\/#breadcrumbitem"}]}]