[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/co-je-to-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/co-je-to-uver\/","headline":"Co je to \u00fav\u011br","name":"Co je to \u00fav\u011br","description":"Co je to \u00fav\u011br, je naprosto p\u0159irozen\u00e1 ot\u00e1zka, proto\u017ee jakmile zab\u0159ednete do v\u0161ech t\u011bch n\u00e1zv\u016f, p\u016fj\u010dek a \u00fav\u011br\u016f, hypot\u00e9k, bank a nebankovn\u00edch instituc\u00ed, do konsolidac\u00ed a kontokorent\u016f a dal\u0161\u00edch podobn\u00fdch n\u00e1zv\u016f, m\u016f\u017ee v\u00e1m z&nbsp;toho j\u00edt hlava kolem. Tak\u017ee co je to \u00fav\u011br, je naprosto spr\u00e1vn\u00e1 ot\u00e1zka. Je v\u016fbec n\u011bjak\u00fd rozd\u00edl mezi \u00fav\u011brem a p\u016fj\u010dkou? Nejprve &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/co-je-to-uver\/\"> <span class=\"screen-reader-text\">Co je to \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-05","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-uver\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":453,"articleBody":"Co je to \u00fav\u011br, je naprosto p\u0159irozen\u00e1 ot\u00e1zka, proto\u017ee jakmile zab\u0159ednete do v\u0161ech t\u011bch n\u00e1zv\u016f, p\u016fj\u010dek a \u00fav\u011br\u016f, hypot\u00e9k, bank a nebankovn\u00edch instituc\u00ed, do konsolidac\u00ed a kontokorent\u016f a dal\u0161\u00edch podobn\u00fdch n\u00e1zv\u016f, m\u016f\u017ee v\u00e1m z&nbsp;toho j\u00edt hlava kolem. Tak\u017ee co je to \u00fav\u011br, je naprosto spr\u00e1vn\u00e1 ot\u00e1zka.Je v\u016fbec n\u011bjak\u00fd rozd\u00edl mezi \u00fav\u011brem a p\u016fj\u010dkou? Nejprve za\u010dneme t\u00edm, co je to vlastn\u011b ten \u00fav\u011br? Banka nebo nebankovn\u00ed spole\u010dnost v\u00e1m p\u016fj\u010d\u00ed pen\u00edze. Tyto pen\u00edze pot\u0159ebujete, a tak se dohodnete na ur\u010dit\u00e9 smlouv\u011b ji\u017e s&nbsp;p\u0159esn\u00fdmi parametry. Ve smlouv\u011b mus\u00ed b\u00fdt uvedeno kolik si chcete p\u016fj\u010dit, kolik budete spl\u00e1cet a na jak dlouho. Tak\u00e9 zde budou poplatky a zejm\u00e9na \u00farok. Co\u017e je finan\u010dn\u00ed ohodnocen\u00ed, za to, \u017ee v\u00e1m n\u011bkdo poskytne p\u016fj\u010dku. Banky \u010di nebankovn\u00ed spole\u010dnosti to toti\u017e zadarmo d\u011blat nebudou. Jakmile se p\u0159evedou pen\u00edze, pak m\u016f\u017eete \u0159\u00edct, \u017ee m\u00e1te sjednan\u00fd \u00fav\u011br.\u00dav\u011br je tedy poskytnut\u00ed finan\u010dn\u00edch prost\u0159edk\u016f od v\u011b\u0159itele, tedy poskytovatele p\u016fj\u010dky k&nbsp;v\u00e1m, tedy k&nbsp;n\u00e1sledn\u00e9mu dlu\u017en\u00edku. Za toto vyp\u016fj\u010den\u00ed pen\u011bz, na konkr\u00e9tn\u00ed dobu ur\u010ditou, se po\u017eaduje \u00farok. V\u011bt\u0161inou se ud\u00e1v\u00e1 v&nbsp;procentech. \u00darok je n\u00e1sledn\u011b odm\u011bna pro v\u011b\u0159itele, toho, kdo v\u00e1m p\u016fj\u010dku poskytnul. Spl\u00e1c\u00edte ji v\u011bt\u0161inou vypo\u010d\u00edtanou ve form\u011b m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek.\tR\u016fzn\u00e9 druhy \u00fav\u011brNa dne\u0161n\u00edm trhu se m\u016f\u017eete setkat s&nbsp;r\u016fzn\u00fdmi druhy \u00fav\u011br\u016f. M\u016f\u017ee se jednat o kr\u00e1tkodob\u00fd nebo dlouhodob\u00fd, d\u00e1le o kontokorentn\u00ed, provozn\u00ed, investi\u010dn\u00ed, eskontn\u00ed, hypote\u010dn\u00ed nebo spot\u0159ebitelsk\u00fd.Dal\u0161\u00ed druhy se d\u011bl\u00ed podle poskytov\u00e1n\u00ed. Jedn\u00e1 se o bankovn\u00ed typy \u00fav\u011br\u016f, kter\u00e9 si sjedn\u00e1v\u00e1te v&nbsp;b\u011b\u017en\u00fdch bank\u00e1ch a o nebankovn\u00ed typy \u00fav\u011br\u016f, ty poskytuj\u00ed soukrom\u00e9 spole\u010dnosti.Bankovn\u00ed \u00fav\u011bry poskytuj\u00ed banky. Nad t\u011bmi m\u00e1 dohled \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Nebankovn\u00ed \u00fav\u011bry, od soukrom\u00fdch spole\u010dnost\u00ed mus\u00ed tak\u00e9 spadat pod ur\u010dit\u00fd org\u00e1n, kter\u00fd je hl\u00edd\u00e1. V&nbsp;tomto p\u0159\u00edpad\u011b se jedn\u00e1 o org\u00e1n zvan\u00fd \u010cesk\u00e1 obchodn\u00ed inspekce. Od posledn\u00ed zm\u011bny z\u00e1kona o spot\u0159ebitelsk\u00e9m \u00fav\u011bru mus\u00ed i nebankovn\u00ed spole\u010dnosti, poskytuj\u00edc\u00ed nap\u0159\u00edklad spot\u0159ebitelsk\u00fd \u00fav\u011br, m\u00edt licenci od \u010cesk\u00e9 n\u00e1rodn\u00ed banky.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to \u00fav\u011br","item":"https:\/\/www.zerba.cz\/co-je-to-uver\/#breadcrumbitem"}]}]