[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/druhy-uveru\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/druhy-uveru\/","headline":"Druhy \u00fav\u011br\u016f","name":"Druhy \u00fav\u011br\u016f","description":"\u00dav\u011br je ofici\u00e1ln\u00ed n\u00e1zev v\u00a0podstat\u011b pro obecn\u011b \u0159e\u010deno \u201ep\u016fj\u010dku\u201c. D\u00edky \u00fav\u011bru si m\u016f\u017eete p\u016fj\u010dit pen\u00edze od banky nebo nebankovn\u00ed spole\u010dnosti. Ur\u010d\u00ed se spl\u00e1tka, kter\u00e1 u\u017e v\u00a0sob\u011b zahrnuje r\u016fzn\u00e9 poplatky a provize a na z\u00e1klad\u011b seps\u00e1n\u00ed smlouvy, kter\u00e1 nese v\u0161echny pot\u0159ebn\u00e9 n\u00e1le\u017eitosti, v\u00e1m poskytovatel \u00fav\u011bru p\u0159ed\u00e1 nebo za\u0161le na bankovn\u00ed \u00fa\u010det pen\u00edze, tedy se jedn\u00e1 o &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/druhy-uveru\/\"> <span class=\"screen-reader-text\">Druhy \u00fav\u011br\u016f<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-11","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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384305_1x1_20260822_121114_xAqB8m.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384305_1x1_20260822_121114_xAqB8m.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/druhy-uveru\/","about":["P\u016fj\u010dky"],"wordCount":418,"articleBody":"\u00dav\u011br je ofici\u00e1ln\u00ed n\u00e1zev v\u00a0podstat\u011b pro obecn\u011b \u0159e\u010deno \u201ep\u016fj\u010dku\u201c. D\u00edky \u00fav\u011bru si m\u016f\u017eete p\u016fj\u010dit pen\u00edze od banky nebo nebankovn\u00ed spole\u010dnosti. Ur\u010d\u00ed se spl\u00e1tka, kter\u00e1 u\u017e v\u00a0sob\u011b zahrnuje r\u016fzn\u00e9 poplatky a provize a na z\u00e1klad\u011b seps\u00e1n\u00ed smlouvy, kter\u00e1 nese v\u0161echny pot\u0159ebn\u00e9 n\u00e1le\u017eitosti, v\u00e1m poskytovatel \u00fav\u011bru p\u0159ed\u00e1 nebo za\u0161le na bankovn\u00ed \u00fa\u010det pen\u00edze, tedy se jedn\u00e1 o \u00fav\u011br. Klient n\u00e1sledn\u011b spl\u00e1c\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, a to a\u017e do ur\u010den\u00e9 kone\u010dn\u00e9 doby a splacen\u00ed cel\u00e9ho z\u00e1vazku.Z\u00e1kladn\u00edm rozd\u011blen\u00edm \u00fav\u011br\u016f je tedy typ bankovn\u00ed a nebankovn\u00ed. Bankovn\u00ed se sjedn\u00e1v\u00e1 v\u00a0klasick\u00fdch bank\u00e1ch. Nad nimi dohl\u00ed\u017e\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Nebankovn\u00ed poskytuj\u00ed soukrom\u00e9 spole\u010dnosti. V\u011bt\u0161inou p\u0159es investory. Nad t\u011bmito spole\u010dnostmi m\u00e1 kontrolu a dohled \u010cesk\u00e1 obchodn\u00ed inspekce. To jen tak pro zaj\u00edmavost.\tDal\u0161\u00ed rozd\u011blen\u00ed \u00fav\u011br\u016fDal\u0161\u00edm rozd\u011blen\u00edm se dost\u00e1v\u00e1me k\u00a0tomu, komu se vlastn\u011b \u00fav\u011bry poskytuj\u00ed. \u010cili existuj\u00ed r\u016fzn\u00e9 spole\u010dnosti, lid\u00e9 nebo subjekty, proto m\u016f\u017eeme rozd\u011blovat \u00fav\u011bry na podnikatelsk\u00e9, mezibankovn\u00ed, spot\u0159ebitelsk\u00e9 pro b\u011b\u017en\u00e9 ob\u010dany, pro st\u00e1ty, obce a kraje nebo pro jin\u00e9 korporace.Existuj\u00ed \u00fav\u011bry kr\u00e1tkodob\u00e9, st\u0159edn\u011bdob\u00e9 a dlouhodob\u00e9. Tento typ se rozli\u0161uje podle d\u00e9lky spl\u00e1cen\u00ed. Pokud se tedy jedn\u00e1 o typ kr\u00e1tkodob\u00fd, v\u011bt\u0161inou se spl\u00e1c\u00ed pouze do jednoho roku. Pokud se jedn\u00e1 o typ st\u0159edn\u011bdob\u00fd, pak se spl\u00e1c\u00ed od jednoho roku a\u017e do 5 let a v\u00a0p\u0159\u00edpad\u011b posledn\u00edho dlouhodob\u00e9ho typu se m\u016f\u017ee jednat o spl\u00e1cen\u00ed a\u017e od p\u011bti a v\u00edce let.Hypote\u010dn\u00ed a spot\u0159ebitelsk\u00fdSpot\u0159ebitelsk\u00fd \u00fav\u011br je vhodn\u00fd pro v\u0161echny ob\u010dany, kde se m\u016f\u017ee a nemus\u00ed ru\u010dit nemovitost\u00ed. V\u011bt\u0161inou si je sjedn\u00e1v\u00e1me na krat\u0161\u00ed dobu splatnosti a na men\u0161\u00ed \u010d\u00e1stky.Hypote\u010dn\u00ed \u00fav\u011br je vhodn\u00fd pro v\u0161echny ob\u010dany, m\u016f\u017ee se poskytnout tak\u00e9 podnikatel\u016fm, ale s\u00a0ru\u010den\u00edm nemovitost\u00ed. Tyto \u00fav\u011bry si bereme v\u00a0p\u0159\u00edpad\u011b, \u017ee chceme ru\u010dit nemovitost\u00ed, d\u00e1t ji takzvan\u011b do z\u00e1stavy a z\u00edskat spoustu financ\u00ed na bydlen\u00ed. Nap\u0159\u00edklad na koupi domu nebo bytu, samostatnou stavbu \u010di rekonstrukci.Podnikatelsk\u00e9 \u00fav\u011bry se poskytuj\u00ed pouze podnikatel\u016fm.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Druhy \u00fav\u011br\u016f","item":"https:\/\/www.zerba.cz\/druhy-uveru\/#breadcrumbitem"}]}]