[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jak-se-splaci-kontokorent\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jak-se-splaci-kontokorent\/","headline":"Jak se spl\u00e1c\u00ed kontokorent","name":"Jak se spl\u00e1c\u00ed kontokorent","description":"V\u00a0p\u0159\u00edpad\u011b kontokorentu mluv\u00edme o jak\u00e9msi druhu \u201ep\u016fj\u010dky\u201c, jeho podstatou v\u0161ak z\u016fst\u00e1v\u00e1, \u017ee se v\u00e1\u017ee k\u00a0b\u011b\u017en\u00e9mu \u00fa\u010dtu, tak\u017ee na n\u011bm v\u00a0podstat\u011b m\u016f\u017eete j\u00edt ur\u010ditou \u010d\u00e1stku do m\u00ednusu. Sjednat si jej m\u016f\u017eete p\u0159i za\u0159izov\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu nebo jako \u201edopl\u0148kovou\u201c, slu\u017ebu a\u017e pozd\u011bji. Kontokorentem lze p\u0159e\u010derpat finance z\u00a0b\u011b\u017en\u00e9ho \u00fa\u010dtu do m\u00ednusu. V\u011bt\u0161in\u011b lid\u00ed chod\u00ed na \u00fa\u010det v\u00fdplata, plat\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/jak-se-splaci-kontokorent\/\"> <span class=\"screen-reader-text\">Jak se spl\u00e1c\u00ed kontokorent<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-21","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\/art384369_1x1_20260818_163712_6oj8yG.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384369_1x1_20260818_163712_6oj8yG.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/jak-se-splaci-kontokorent\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":527,"articleBody":"V\u00a0p\u0159\u00edpad\u011b kontokorentu mluv\u00edme o jak\u00e9msi druhu \u201ep\u016fj\u010dky\u201c, jeho podstatou v\u0161ak z\u016fst\u00e1v\u00e1, \u017ee se v\u00e1\u017ee k\u00a0b\u011b\u017en\u00e9mu \u00fa\u010dtu, tak\u017ee na n\u011bm v\u00a0podstat\u011b m\u016f\u017eete j\u00edt ur\u010ditou \u010d\u00e1stku do m\u00ednusu. Sjednat si jej m\u016f\u017eete p\u0159i za\u0159izov\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu nebo jako \u201edopl\u0148kovou\u201c, slu\u017ebu a\u017e pozd\u011bji. Kontokorentem lze p\u0159e\u010derpat finance z\u00a0b\u011b\u017en\u00e9ho \u00fa\u010dtu do m\u00ednusu. V\u011bt\u0161in\u011b lid\u00ed chod\u00ed na \u00fa\u010det v\u00fdplata, plat\u00ed se z\u00a0n\u011bj r\u016fzn\u00e9 poplatky, n\u00e1jmy, inkasa, pau\u0161\u00e1ly a spoustu dal\u0161\u00edho. Jakmile pot\u0159ebujete jeden m\u011bs\u00edc vybrat v\u00edce pen\u011bz, a u\u017e v\u00e1m na \u00fa\u010dtu \u017e\u00e1dn\u00e9 nezbyly, m\u016f\u017eete vyu\u017e\u00edt pr\u00e1v\u011b slu\u017eby kontokorentu a j\u00edt takzvan\u011b do m\u00ednusu. Povolenou \u010d\u00e1stku v\u00e1m sd\u011bl\u00ed banka hned p\u0159i za\u0159izov\u00e1n\u00ed tohoto produktu. Limit je stanoven v\u011bt\u0161inou na dvoj a\u017e troj n\u00e1sobek va\u0161eho pr\u016fm\u011brn\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu. V\u00a0p\u0159\u00edpad\u011b p\u0159ekro\u010den\u00ed povolen\u00e9ho limitu se v\u0161ak \u00fa\u010dtuj\u00ed vysok\u00e9 poplatky.Se spl\u00e1tkou kontokorentu to nen\u00ed nijak slo\u017eit\u00e9. Nemus\u00edte chodit do banky ka\u017ed\u00fd m\u011bs\u00edc, abyste zaplatili spl\u00e1tku, ani nemus\u00edte slo\u017eit\u011b pen\u00edze p\u0159ev\u00e1d\u011bt z\u00a0jin\u00e9ho \u00fa\u010dtu. Pokud v\u00e1m na tento \u00fa\u010det chod\u00ed pravideln\u011b m\u011bs\u00ed\u010dn\u00ed v\u00fdplata a dostanete se alespo\u0148 jednou ro\u010dn\u011b na nulu nebo do plusu, pak je \u201ep\u016fj\u010dka\u201c, vynulov\u00e1na a m\u016f\u017eete si op\u011bt t\u00edmto zp\u016fsobem p\u016fj\u010dovat, t\u0159eba hned p\u0159\u00ed\u0161t\u011b.\tJednou ro\u010dn\u011b v\u00a0plusuN\u011bkter\u00e9 spole\u010dnosti maj\u00ed nastaven\u00e9ho p\u016fl roku, jin\u00e9 v\u011bt\u0161inou rok. Pokud jednou za rok budete na \u00fa\u010dtu v\u00a0plusu, m\u00e1te kontokorent splacen i s\u00a0jeho poplatky. V\u011bt\u0161inou se kontokorent br\u00e1v\u00e1 na ne\u010dekan\u00e9 v\u00fddaje a spl\u00e1c\u00ed se nap\u0159\u00edklad d\u00edky dal\u0161\u00ed v\u00fdplat\u011b, kdy se dostanete do plusu. Pokud byste se v\u0161ak nedostali do plusu na \u00fa\u010dtu, pak \u010dek\u00e1te p\u00e1r m\u011bs\u00edc\u016f, ne\u017e se to poda\u0159\u00ed. V\u00a0p\u0159\u00edpad\u011b, \u017ee by v\u00e1m na tento \u00fa\u010det nechodila v\u00a0dal\u0161\u00edch m\u011bs\u00edc\u00edch v\u00fdplata, pak ano, museli byste pen\u00edze n\u011bjak\u00fdm zp\u016fsobem alespo\u0148 jednou za rok na \u00fa\u010det vlo\u017eit, abyste splnili z\u00e1kladn\u00ed podm\u00ednky a neplatili vysok\u00e9 pokuty za nedodr\u017een\u00ed smluvn\u00edch podm\u00ednek. Nasko\u010dily by v\u00e1m z\u0159ejm\u011b vysok\u00e9 pen\u00e1le.Je\u0161t\u011b si pro zaj\u00edmavost \u0159ekneme, \u017ee sta\u010d\u00ed b\u00fdt jeden den v\u00a0plusu, a druh\u00fd den m\u016f\u017eete j\u00edt op\u011bt do m\u00ednusu a od t\u00e9to chv\u00edle se op\u011bt po\u010d\u00edt\u00e1 nov\u00fd rok, po kter\u00fd mus\u00edte pen\u00edze op\u011bt vlo\u017eit nebo b\u00fdt na \u00fa\u010dtu v\u00a0plusu. \u00daroky toti\u017e mohou naskakovat za ka\u017ed\u00fd den, kdy m\u00e1te t\u00edmto zp\u016fsobem \u201evyp\u016fj\u010den\u00e9 pen\u00edze\u201c. Pokud kontokorent nevyu\u017e\u00edv\u00e1te, pak se pen\u00e1le neplat\u00ed.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak se spl\u00e1c\u00ed kontokorent","item":"https:\/\/www.zerba.cz\/jak-se-splaci-kontokorent\/#breadcrumbitem"}]}]