[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-funguje-kontokorent\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-funguje-kontokorent\/","headline":"Jak funguje kontokorent","name":"Jak funguje kontokorent","description":"M\u016f\u017eeme mluvit v&nbsp;p\u0159\u00edpad\u011b kontokorentu o jistot\u011b? Jestli\u017ee si jednou kontokorent z\u0159\u00edd\u00edte, pak m\u016f\u017eete stoprocentn\u011b vsadit na jistotu. Pen\u00edze z\u00edsk\u00e1te t\u00edm p\u00e1dem v\u017edy. Pr\u00e1v\u011b pro tyto situace, kdy nem\u00e1te jin\u00e9 finan\u010dn\u00ed rezervy a nutn\u011b pot\u0159ebujete vybrat pen\u00edze nav\u00edc, proto\u017ee se v\u00e1m pokazila ledni\u010dka a pot\u0159ebujete koupit novou, nebo proto\u017ee jste b\u011bhem m\u011bs\u00edce nakoupili v\u00edce j\u00eddla, ne\u017e &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/jak-funguje-kontokorent\/\"> <span class=\"screen-reader-text\">Jak funguje kontokorent<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-03","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\/jak-funguje-kontokorent\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":528,"articleBody":"M\u016f\u017eeme mluvit v&nbsp;p\u0159\u00edpad\u011b kontokorentu o jistot\u011b? Jestli\u017ee si jednou kontokorent z\u0159\u00edd\u00edte, pak m\u016f\u017eete stoprocentn\u011b vsadit na jistotu. Pen\u00edze z\u00edsk\u00e1te t\u00edm p\u00e1dem v\u017edy. Pr\u00e1v\u011b pro tyto situace, kdy nem\u00e1te jin\u00e9 finan\u010dn\u00ed rezervy a nutn\u011b pot\u0159ebujete vybrat pen\u00edze nav\u00edc, proto\u017ee se v\u00e1m pokazila ledni\u010dka a pot\u0159ebujete koupit novou, nebo proto\u017ee jste b\u011bhem m\u011bs\u00edce nakoupili v\u00edce j\u00eddla, ne\u017e byl v\u00e1\u0161 limit a u\u017e v\u00e1m na \u00fa\u010dtu nezbyly \u017e\u00e1dn\u00e9 dal\u0161\u00ed pen\u00edze na dal\u0161\u00ed poplatky, kter\u00e9 v\u00e1s je\u0161t\u011b ten sam\u00fd m\u011bs\u00edc \u010dekaj\u00ed, jako je placen\u00ed inkasa, pau\u0161\u00e1lu za telefon, n\u00e1jemn\u00e9ho, spl\u00e1tky p\u016fj\u010dky a podobn\u011b, m\u016f\u017eete vyu\u017e\u00edt pr\u00e1v\u011b kontokorent, j\u00edt takzvan\u011b na \u00fa\u010dtu do m\u00ednusu. K&nbsp;t\u011bmto \u00fa\u010del\u016fm je kontokorent vlastn\u011b stvo\u0159en. Je to mo\u017enost, p\u016fj\u010dit si kr\u00e1tkodobou p\u016fj\u010dku a j\u00edt takzvan\u011b na \u00fa\u010dtu do m\u00ednusu.Kontokorent tedy souvis\u00ed s&nbsp;b\u011b\u017en\u00fdm \u00fa\u010dtem a z\u0159\u00eddit si jej m\u016f\u017eete u t\u00e9 banky, kde m\u00e1te veden\u00fd b\u011b\u017en\u00fd \u00fa\u010det.\tSjednat si ho m\u016f\u017eete v&nbsp;r\u00e1mci za\u0159izov\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtuJe mo\u017en\u00e9 si jej sjednat hned, kdy\u017e si za\u0159izujete b\u011b\u017en\u00fd \u00fa\u010det nebo pokud ji\u017e m\u00e1te b\u011b\u017en\u00fd \u00fa\u010det sjednan\u00fd, tak dodate\u010dn\u011b. Ka\u017ed\u00e1 banka m\u016f\u017ee m\u00edt trochu jin\u00e9 podm\u00ednky. Mohou se li\u0161it nap\u0159\u00edklad \u010d\u00e1stkou, do kter\u00e9 si m\u016f\u017eete pen\u00edze vyb\u00edrat, tedy p\u016fj\u010dovat &ndash; j\u00edt na \u00fa\u010dtu do m\u00ednusu nebo r\u016fzn\u00fdmi dal\u0161\u00edmi poplatky. Nastaven\u00ed limitu v\u011bt\u0161inou z\u00e1vis\u00ed na va\u0161em \u010dist\u00e9m m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmu, kter\u00fd v\u00e1m chod\u00ed na \u00fa\u010det a v&nbsp;mnoh\u00fdch p\u0159\u00edpadech se jedn\u00e1 o \u010d\u00e1stku dvojn\u00e1sobku nebo trojn\u00e1sobku m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. Samoz\u0159ejm\u011b, \u017ee tuto \u010d\u00e1stku ur\u010d\u00ed banka, tak\u017ee se m\u016f\u017ee r\u016fzn\u00fdm zp\u016fsobem li\u0161it. Zam\u011bstnanci tedy prokazuj\u00ed sv\u016fj p\u0159\u00edjem pomoc\u00ed smlouvy od zam\u011bstnavatele. Podnikatel\u00e9 pomoc\u00ed da\u0148ov\u00e9ho p\u0159izn\u00e1n\u00ed.Pokud m\u00e1te z\u0159\u00edzen\u00fd \u00fa\u010det, na kter\u00fd v\u00e1m v\u0161ak v\u00fdplata nechod\u00ed, a p\u0159esto zde chcete za\u0159\u00eddit kontokorent, prokazov\u00e1n\u00ed p\u0159\u00edjm\u016f se z\u0159ejm\u011b nevyhnete.&nbsp;V\u011bt\u0161ina bank si za povolen\u00ed t\u00e9to slu\u017eby, tedy za z\u0159\u00edzen\u00ed kontokorentu ne\u017e\u00e1d\u00e1 \u017e\u00e1dn\u00e9 poplatky. \u010cili z\u0159\u00edzen\u00ed kontokorentu b\u00fdv\u00e1 zdarma. Plat\u00edte a\u017e posl\u00e9ze, jakmile pen\u00edze vy\u010derp\u00e1te, jakmile se dostanete do m\u00ednusu.A jak se spl\u00e1c\u00ed?V\u011bt\u0161inou se kontokorent splat\u00ed t\u00edm, \u017ee se dostanete se sv\u00fdm \u00fa\u010dtem na nulu nebo do plusu. Nap\u0159\u00edklad, kdy\u017e v\u00e1m na \u00fa\u010det p\u0159ijde dal\u0161\u00ed m\u011bs\u00edc v\u00fdplata a vy se dostanete do plusu. T\u00edm b\u00fdv\u00e1 p\u016fj\u010dka splacen\u00e1, \u010d\u00e1stka mus\u00ed zahrnovat i poplatky. T\u00edmto zp\u016fsobem si n\u00e1sledn\u011b m\u016f\u017eete op\u011bt p\u016fj\u010dit.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak funguje kontokorent","item":"https:\/\/www.zerba.cz\/jak-funguje-kontokorent\/#breadcrumbitem"}]}]