[{"@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&nbsp;podstat\u011b pro obecn\u011b \u0159e\u010deno &bdquo;p\u016fj\u010dku&ldquo;. 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&nbsp;sob\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}},"url":"https:\/\/www.zerba.cz\/druhy-uveru\/","about":["P\u016fj\u010dky"],"wordCount":427,"articleBody":"\u00dav\u011br je ofici\u00e1ln\u00ed n\u00e1zev v&nbsp;podstat\u011b pro obecn\u011b \u0159e\u010deno &bdquo;p\u016fj\u010dku&ldquo;. 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&nbsp;sob\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&nbsp;klasick\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&nbsp;tomu, 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&nbsp;p\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&nbsp;ru\u010den\u00edm nemovitost\u00ed. Tyto \u00fav\u011bry si bereme v&nbsp;p\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.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Druhy \u00fav\u011br\u016f","item":"https:\/\/www.zerba.cz\/druhy-uveru\/#breadcrumbitem"}]}]