[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kontokorent\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kontokorent\/","headline":"Kontokorent","name":"Kontokorent","description":"Vyu\u017eit\u00ed kontokorentu v\u0161ak nen\u00ed jen tak, proto\u017ee se jedn\u00e1 o vyu\u017eit\u00ed v&nbsp;podstat\u011b kr\u00e1tkodob\u00e9 p\u016fj\u010dky. Nejprve si tedy \u0159ekneme, co to kontokorent vlastn\u011b je a kde se s&nbsp;n\u00edm m\u016f\u017eeme setkat? Kontokorent je dopl\u0148kov\u00e1 slu\u017eba k&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu. T\u00fdk\u00e1 se bankovn\u00edch instituc\u00ed. Jakmile si u n\u011bkter\u00e9 banky za\u0159\u00edd\u00edte b\u011b\u017en\u00fd \u00fa\u010det, m\u016f\u017eete vyu\u017e\u00edt i tuto dopl\u0148kovou slu\u017ebu, tedy poskytnut\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kontokorent\/\"> <span class=\"screen-reader-text\">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}},"url":"https:\/\/www.zerba.cz\/kontokorent\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":473,"articleBody":"Vyu\u017eit\u00ed kontokorentu v\u0161ak nen\u00ed jen tak, proto\u017ee se jedn\u00e1 o vyu\u017eit\u00ed v&nbsp;podstat\u011b kr\u00e1tkodob\u00e9 p\u016fj\u010dky. Nejprve si tedy \u0159ekneme, co to kontokorent vlastn\u011b je a kde se s&nbsp;n\u00edm m\u016f\u017eeme setkat? Kontokorent je dopl\u0148kov\u00e1 slu\u017eba k&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu. T\u00fdk\u00e1 se bankovn\u00edch instituc\u00ed. Jakmile si u n\u011bkter\u00e9 banky za\u0159\u00edd\u00edte b\u011b\u017en\u00fd \u00fa\u010det, m\u016f\u017eete vyu\u017e\u00edt i tuto dopl\u0148kovou slu\u017ebu, tedy poskytnut\u00ed kontokorentu &ndash; kr\u00e1tkodob\u00e9ho \u00fav\u011bru. Tato mo\u017enost se uzav\u00edr\u00e1 hned p\u0159i z\u00e1kladn\u00ed smlouv\u011b, nebo je mo\u017en\u00e9 ji dodate\u010dn\u011b uzav\u0159\u00edt, pokud byste o ni m\u011bli z\u00e1jem. Laicky ji naz\u00fdv\u00e1me jako vybr\u00e1n\u00ed z&nbsp;\u00fa\u010dtu do m\u00ednusu. V&nbsp;podstat\u011b se jedn\u00e1 o to, \u017ee na sv\u00e9m b\u011b\u017en\u00e9m \u00fa\u010dtu m\u016f\u017eeme j\u00edt do m\u00ednusu. Jakmile jste na nule a nem\u00e1te tam \u017e\u00e1dn\u00e9 pen\u00edze, a i p\u0159esto pot\u0159ebujete je\u0161t\u011b n\u011bjak\u00e9 platby prov\u00e9st, m\u016f\u017eete vyu\u017e\u00edt tuto slu\u017ebu kontokorentu a j\u00edt takzvan\u011b do m\u00ednusu. T\u00edmto zp\u016fsobem si v\u0161ak berete kr\u00e1tkodobou p\u016fj\u010dku, kter\u00e1 se mus\u00ed v\u011bt\u0161inou do ur\u010dit\u00e9ho po\u010dtu m\u011bs\u00edc\u016f, nej\u010dast\u011bji se jedn\u00e1 o 6 m\u011bs\u00edc\u016f, splatit. M\u016f\u017eete v\u0161ak na splacen\u00ed m\u00edt i dobu do jednoho roku, tak\u017ee podm\u00ednky se mohou u r\u016fzn\u00fdch bank li\u0161it. S&nbsp;pen\u011bzi m\u016f\u017eete zaplatit cokoliv, co pot\u0159ebujete. Jakmile v\u00e1m na \u00fa\u010det p\u0159ijde v\u00fdplata a splat\u00edte vyp\u016fj\u010den\u00fd z\u00e1vazek i s&nbsp;\u00faroky, pak je v\u0161e vy\u0159e\u0161eno a m\u016f\u017eete si t\u00edmto zp\u016fsobem op\u011bt p\u016fj\u010dit.\tV\u0161echna tajemstv\u00ed kontokorentuJe pravdou, \u017ee m\u016f\u017eete vyu\u017e\u00edt kontokorent ihned. M\u00e1te jej tedy kdykoliv k&nbsp;dispozici. Kdy\u017e jej splat\u00edte, m\u016f\u017eete si pen\u00edze znovu p\u016fj\u010dit a takto \u010derpat p\u016fj\u010dku neust\u00e1le formou kontokorentu po\u0159\u00e1d dokola. Existuj\u00ed n\u011bjak\u00e9 limity? Ano, i v&nbsp;tomto p\u0159\u00edpad\u011b limity existuj\u00ed. Dobr\u00fd pozor bychom si m\u011bli d\u00e1vat zejm\u00e9na na \u010d\u00e1stku, kterou takto vyu\u017eijeme. Existuj\u00ed toti\u017e limity p\u0159\u00edmo na \u010d\u00e1stku, do kter\u00e9 si m\u016f\u017eeme p\u016fj\u010dit. Pokud bychom ji p\u0159ekro\u010dili a vybrali si v\u00edce, m\u016f\u017eeme b\u00fdt penalizov\u00e1ni. Pen\u00e1le by pak mohly \u010dinit opravdu vysok\u00e9 procento. I zde je proto d\u00e1vat dobr\u00fd pozor na to, co ve smlouv\u011b uzav\u00edr\u00e1te a jak\u00e9 podm\u00ednky m\u00e1te nastaven\u00e9. Je dobr\u00e9 si zapamatovat v\u00fd\u0161i \u010d\u00e1stky, do kter\u00e9 si t\u00edmto zp\u016fsobem kontokorentu m\u016f\u017eeme &bdquo;p\u016fj\u010dit&ldquo;.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kontokorent","item":"https:\/\/www.zerba.cz\/kontokorent\/#breadcrumbitem"}]}]