[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kontokorent-pro-studenty\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kontokorent-pro-studenty\/","headline":"Kontokorent pro studenty","name":"Kontokorent pro studenty","description":"Nejprve si sd\u011bl\u00edme, co je to kontokorent, abychom v\u011bd\u011bli, o jak\u00e9m t\u00e9matu se zde bav\u00edme. Kontokorent je mo\u017enost j\u00edt s&nbsp;\u00fa\u010dtem do m\u00ednusu. T\u011bmito jednoduch\u00fdmi slovy se d\u00e1 popsat cel\u00fd syst\u00e9m kontokorentu a hned v\u00edme, o \u010dem je \u0159e\u010d. Jestli\u017ee m\u00e1te bankovn\u00ed \u00fa\u010det, mo\u017en\u00e1 jste se s&nbsp;t\u00edmto pojmem setkali. V\u011bt\u0161ina bank tuto mo\u017enost k&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu nab\u00edz\u00ed. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kontokorent-pro-studenty\/\"> <span class=\"screen-reader-text\">Kontokorent pro studenty<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-15","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\/kontokorent-pro-studenty\/","about":["P\u016fj\u010dky"],"wordCount":551,"articleBody":"Nejprve si sd\u011bl\u00edme, co je to kontokorent, abychom v\u011bd\u011bli, o jak\u00e9m t\u00e9matu se zde bav\u00edme. Kontokorent je mo\u017enost j\u00edt s&nbsp;\u00fa\u010dtem do m\u00ednusu. T\u011bmito jednoduch\u00fdmi slovy se d\u00e1 popsat cel\u00fd syst\u00e9m kontokorentu a hned v\u00edme, o \u010dem je \u0159e\u010d. Jestli\u017ee m\u00e1te bankovn\u00ed \u00fa\u010det, mo\u017en\u00e1 jste se s&nbsp;t\u00edmto pojmem setkali. V\u011bt\u0161ina bank tuto mo\u017enost k&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu nab\u00edz\u00ed. S&nbsp;bankou se domluv\u00edte na v\u00fd\u0161i, kolik pen\u011bz m\u016f\u017eete takzvan\u011b do m\u00ednusu p\u0159e\u010derpat. Jestli\u017ee kontokorent nevyu\u017e\u00edv\u00e1te, v\u011bt\u0161inou za n\u011bj nic neplat\u00edte, je zdarma, ale jakmile p\u0159ejdete do m\u00ednusu a pen\u00edze na n\u011bco pou\u017eijete, mus\u00edte je vr\u00e1tit a k&nbsp;tomu v\u00e1m samoz\u0159ejm\u011b budou p\u0159i\u010dteny \u00faroky. V&nbsp;mnoh\u00fdch p\u0159\u00edpadech jej splat\u00edte tak, \u017ee v\u00e1m dal\u0161\u00ed m\u011bs\u00edc p\u0159ijde na \u00fa\u010det v\u00fdplata. Kolik si lid\u00e9 mohou vyb\u00edrat? Nej\u010dast\u011bji se m\u016f\u017ee jednat o dvoj a\u017e troj n\u00e1sobek p\u0159\u00edjmu. A jak je to se studenty, kte\u0159\u00ed nevyd\u011bl\u00e1vaj\u00ed?\tPen\u00edze v&nbsp;z\u00e1lozepro studuj\u00edc\u00edB\u011b\u017en\u00fd \u00fa\u010det si m\u016f\u017ee z\u0159\u00eddit ka\u017ed\u00fd a m\u016f\u017ee si ho zalo\u017eit samoz\u0159ejm\u011b i student. Je tedy mo\u017en\u00e9, aby takt\u00e9\u017e vyu\u017e\u00edval kontokorent? Mo\u017en\u00e1 budete p\u0159ekvapen\u00ed, ale je to mo\u017en\u00e9. Kontokorent pro studenty je pom\u011brn\u011b b\u011b\u017en\u00fd, av\u0161ak setk\u00e1te se v&nbsp;jeho p\u0159\u00edpad\u011b s&nbsp;jist\u00fdm omezen\u00edm. V\u011bt\u0161inou se poskytuje student\u016fm vysok\u00fdch a vy\u0161\u0161\u00edch odborn\u00fdch \u0161kol. V&nbsp;tomto p\u0159\u00edpad\u011b se v\u0161ak m\u016f\u017eete setkat s&nbsp;ni\u017e\u0161\u00ed \u00farokovou sazbou za vyu\u017eit\u00ed studentsk\u00e9ho kontokorentu. Sazby jsou d\u00e1ny bankami, tak\u017ee se m\u016f\u017eete setkat i s&nbsp;velk\u00fdmi rozd\u00edly. N\u011bkter\u00e9 banky mohou m\u00edt \u00farokovou sazbu pro studenty ni\u017e\u0161\u00ed o procento a jin\u00e9 nap\u0159\u00edklad a\u017e o 7 nebo skoro 8 procent.Co budete pot\u0159ebovat k&nbsp;vy\u0159\u00edzen\u00ed studentsk\u00e9ho kontokorentu? Z\u0159ejm\u011b po v\u00e1s banka bude cht\u00edt potvrzen\u00ed o studiu, jeliko\u017e nem\u016f\u017eete dok\u00e1zat \u017e\u00e1dn\u00fd pravideln\u00fd p\u0159\u00edjem. A pr\u00e1v\u011b i z&nbsp;tohoto d\u016fvodu se m\u016f\u017eete setkat s&nbsp;omezenou v\u00fd\u0161\u00ed, kterou m\u016f\u017eete t\u00edmto zp\u016fsobem \u010derpat. Ka\u017ed\u00e1 banka si tyto veli\u010diny nastavuje podle sv\u00fdch norem, proto se m\u016f\u017eete setkat s&nbsp;r\u016fzn\u00fdmi nab\u00eddkami na trhu. Pozor bychom si tak\u00e9 m\u011bli d\u00e1t na to, kdy jej splat\u00edme. N\u011bkter\u00e9 banky nemaj\u00ed dan\u00fd term\u00edn, u jin\u00fdch se m\u016f\u017eete setkat nap\u0159\u00edklad s&nbsp;p\u016flro\u010dn\u00ed dobou, do kter\u00e9 mus\u00edte vyp\u016fj\u010denou \u010d\u00e1stku splatit a b\u00fdt na \u00fa\u010dtu v&nbsp;plusu, nebo alespo\u0148 na nule.D\u00edky tomuto zp\u016fsobu m\u016f\u017eete m\u00edt takzvan\u011b pen\u00edze v&nbsp;z\u00e1loze. Za z\u0159\u00edzen\u00ed se v\u011bt\u0161inou nic neplat\u00ed, ani za obdob\u00ed, kdy kontokorent nevyu\u017e\u00edv\u00e1te. \u00daroky se ud\u00e1vaj\u00ed ro\u010dn\u011b a budete je platit za dny, po kter\u00e9 pen\u00edze budete vyu\u017e\u00edvat.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kontokorent pro studenty","item":"https:\/\/www.zerba.cz\/kontokorent-pro-studenty\/#breadcrumbitem"}]}]