[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-to-kontokorent\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-to-kontokorent\/","headline":"Co je to kontokorent","name":"Co je to kontokorent","description":"Kontokorent m\u016f\u017eeme ozna\u010dit za jakousi dopl\u0148kovou slu\u017ebu k b\u011b\u017en\u00e9mu \u00fa\u010dtu. Jakmile si jdete z\u0159\u00eddit bankovn\u00ed \u00fa\u010det, mohou se v\u00e1s ji\u017e na p\u0159ep\u00e1\u017ece zeptat, zdali budete cht\u00edt nastavit a vyu\u017e\u00edvat mo\u017enost kontokorentu. O jakou slu\u017ebu se jedn\u00e1? Kontokorent laicky \u0159e\u010deno znamen\u00e1, \u017ee m\u016f\u017eete j\u00edt s \u00fa\u010dtem do m\u00ednusu. Od banky si tedy vezmete jak\u00fdsi druh p\u016fj\u010dky. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-to-kontokorent\/\"> <span class=\"screen-reader-text\">Co je to kontokorent<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-18","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-to-kontokorent\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":478,"articleBody":"Kontokorent m\u016f\u017eeme ozna\u010dit za jakousi dopl\u0148kovou slu\u017ebu k b\u011b\u017en\u00e9mu \u00fa\u010dtu. Jakmile si jdete z\u0159\u00eddit bankovn\u00ed \u00fa\u010det, mohou se v\u00e1s ji\u017e na p\u0159ep\u00e1\u017ece zeptat, zdali budete cht\u00edt nastavit a vyu\u017e\u00edvat mo\u017enost kontokorentu. O jakou slu\u017ebu se jedn\u00e1? Kontokorent laicky \u0159e\u010deno znamen\u00e1, \u017ee m\u016f\u017eete j\u00edt s \u00fa\u010dtem do m\u00ednusu. Od banky si tedy vezmete jak\u00fdsi druh p\u016fj\u010dky. V praxi jde o to, \u017ee jakmile na sv\u00e9m bankovn\u00edm \u00fa\u010dtu nem\u00e1te ji\u017e dostatek financ\u00ed, nem\u00e1te tam pen\u011b\u017en\u00ed hotovost a pot\u0159ebujete zaplatit je\u0161t\u011b n\u011bjak\u00e9 platby, m\u016f\u017eete j\u00edt s \u00fa\u010dtem takzvan\u011b do m\u00ednusu, tedy p\u0159e\u010derpat pen\u00edze z jejich prost\u0159edk\u016f. Hned, jakmile je budete m\u00edt, tak je tam op\u011bt vr\u00e1t\u00edte a dostanete se s \u00fa\u010dtem zase do plusu, t\u00edm p\u016fj\u010dku splat\u00edte. Takto to m\u016f\u017eete vyu\u017e\u00edvat t\u0159eba i ka\u017ed\u00fd m\u011bs\u00edc. Od banky si tedy berete jak\u00fdsi druh p\u016fj\u010dky.&#13; &#13; \u010casto ozna\u010dov\u00e1n jako povolen\u00fd debet&#13; Sly\u0161eli jste u\u017e n\u00e1zev povolen\u00fd debet? Tak t\u011bmito slovy se pr\u00e1v\u011b ozna\u010duje kontokorent. K t\u00e9to slu\u017eb\u011b v\u0161ak p\u0159ipadaj\u00ed jist\u00e9 poplatky, proto je dobr\u00e9 p\u0159edem si zjistit u dan\u00e9 spole\u010dnosti, kde byste si cht\u011bli kontokorent z\u0159\u00eddit, ve\u0161ker\u00e9 podm\u00ednky. M\u016f\u017ee j\u00edt nap\u0159\u00edklad o pau\u0161\u00e1ln\u00ed poplatek, nebo o poplatek za p\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu \u010di o n\u011bjak\u00e9 dal\u0161\u00ed.&#13; Tato slu\u017eba m\u016f\u017ee mnoh\u00fdm lidem pomoci, a to zejm\u00e9na v p\u0159\u00edpad\u011b, \u017ee nem\u00e1te dostate\u010dnou pen\u011b\u017en\u00ed hotovost, p\u0159e\u010derpali jste pen\u00edze z \u00fa\u010dtu, ale pot\u0159ebujete je\u0161t\u011b n\u011bjak\u00e9 platby prov\u00e9st. Nebo v p\u0159\u00edpad\u011b, \u017ee jste m\u011bli nenad\u00e1l\u00e9 v\u00fddaje a nechcete si br\u00e1t p\u016fj\u010dku na p\u00e1r tis\u00edc korun. Tento povolen\u00fd debet toti\u017e m\u016f\u017ee dosahovat v\u00fd\u0161i nap\u0159\u00edklad a\u017e trojn\u00e1sobku va\u0161eho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. U n\u011bkoho je to p\u00e1r tis\u00edc korun, u n\u011bkoho to m\u016f\u017ee i n\u011bkolik des\u00edtek tis\u00edc. Nenad\u00e1lou situaci lze tedy takt\u00e9\u017e \u0159e\u0161it v\u00fdb\u011brem \u201edo m\u00ednusu\u201c. Jakmile pen\u00edze budete m\u00edt, zase je tam vr\u00e1t\u00edte. V praxi se \u010dasto setk\u00e1v\u00e1me s t\u00edm, \u017ee je tam klient vr\u00e1t\u00ed ihned dal\u0161\u00ed m\u011bs\u00edc, jakmile mu p\u0159ijde v\u00fdplata. Pot\u00e9 u\u017e se zase m\u016f\u017ee nach\u00e1zet v kladn\u00fdch hodnot\u00e1ch bankovn\u00edho \u00fa\u010dtu, a tud\u00ed\u017e p\u016fj\u010dku splat\u00ed. Obvykle toti\u017e nen\u00ed uvedena splatnost t\u00e9to takzvan\u00e9 p\u016fj\u010dky. V\u011bt\u0161inou se tato p\u016fj\u010dka mus\u00ed splatit do jednoho roku.&#13;                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to kontokorent","item":"https:\/\/www.zerba.cz\/co-je-to-kontokorent\/#breadcrumbitem"}]}]