[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/kontokorentni-uvery-co-nabizi\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/kontokorentni-uvery-co-nabizi\/","headline":"Kontokorentn\u00ed \u00fav\u011bry: Co nab\u00edz\u00ed?","name":"Kontokorentn\u00ed \u00fav\u011bry: Co nab\u00edz\u00ed?","description":"Jist\u011b i Va\u0161e banka, u kter\u00e9 m\u00e1te veden\u00fd b\u011b\u017en\u00fd \u00fa\u010det, tuto slu\u017ebu nab\u00edz\u00ed. Sta\u010d\u00ed si p\u0159e\u010d\u00edst informace a podm\u00ednky, za kter\u00fdch V\u00e1m banka kontokorent z\u0159\u00edd\u00ed. Je to jednodu\u0161\u0161\u00ed ne\u017e uzav\u0159en\u00ed b\u011b\u017en\u00e9 p\u016fj\u010dky. Pokud tedy nem\u00e1te dostatek pen\u011bz na sv\u00e9m \u00fa\u010dtu a pot\u0159ebujete pen\u00edze pouze na zaplacen\u00ed men\u0161\u00edch n\u00e1kup\u016f, kontokorent V\u00e1m jist\u011b skv\u011ble poslou\u017e\u00ed. Jedn\u00e1 se &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/kontokorentni-uvery-co-nabizi\/\"> <span class=\"screen-reader-text\">Kontokorentn\u00ed \u00fav\u011bry: Co nab\u00edz\u00ed?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-19","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:\/\/zerba.cz\/wp-content\/uploads\/img_a311072_w1998_t1522006452.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a311072_w1998_t1522006452.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/kontokorentni-uvery-co-nabizi\/","about":["P\u016fj\u010dky"],"wordCount":413,"articleBody":"Jist\u011b i Va\u0161e banka, u kter\u00e9 m\u00e1te veden\u00fd b\u011b\u017en\u00fd \u00fa\u010det, tuto slu\u017ebu nab\u00edz\u00ed. Sta\u010d\u00ed si p\u0159e\u010d\u00edst informace a podm\u00ednky, za kter\u00fdch V\u00e1m banka kontokorent z\u0159\u00edd\u00ed. Je to jednodu\u0161\u0161\u00ed ne\u017e uzav\u0159en\u00ed b\u011b\u017en\u00e9 p\u016fj\u010dky. Pokud tedy nem\u00e1te dostatek pen\u011bz na sv\u00e9m \u00fa\u010dtu a pot\u0159ebujete pen\u00edze pouze na zaplacen\u00ed men\u0161\u00edch n\u00e1kup\u016f, kontokorent V\u00e1m jist\u011b skv\u011ble poslou\u017e\u00ed. Jedn\u00e1 se o nejb\u011b\u017en\u011bj\u0161\u00ed kr\u00e1tkodob\u00fd \u00fav\u011br.Kontokorent V\u00e1m dovoluje \u010derpat pen\u00edze z Va\u0161eho b\u011b\u017en\u00e9ho \u00fa\u010dtu, a to i tehdy, kdy nem\u00e1te na \u00fa\u010dtu dostatek finan\u010dn\u00edch prost\u0159edk\u016f. Zkr\u00e1tka m\u016f\u017eete j\u00edt do m\u00ednusu. Banka V\u00e1m stanov\u00ed takzvan\u00fd \u00fav\u011brov\u00fd limit. To je maxim\u00e1ln\u00ed \u010d\u00e1stka, kterou m\u016f\u017eete p\u0159e\u010derpat a kterou V\u00e1m bankovn\u00ed instituce t\u00edmto zp\u016fsobem p\u016fj\u010dila. D\u00e1le je stanovena i\u00farokov\u00e1 m\u00edra, co\u017e je cena pen\u011bz, kter\u00e9 jste si p\u016fj\u010dili skrz kontokorent. Tak\u00e9 mus\u00edte zaplatit poplatky za sjedn\u00e1n\u00ed kontokorentn\u00edho \u00fav\u011bru a za jeho veden\u00ed.Obvykle zde nejsou pevn\u011b stanoveny m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky. Budete v\u0161ak muset do ur\u010dit\u00e9 doby \u00fav\u011br splatit. V\u011bt\u0161inou je tato doba stanovena na jeden rok. \u00dav\u011br je splacen tehdy, pokud se dostanete se sv\u00fdm \u00fa\u010dtem doplusu. Po splacen\u00ed \u00fav\u011bru op\u011bt m\u016f\u017eete kontokorentu vyu\u017e\u00edvat. Smlouva o kontokorentu m\u016f\u017ee b\u00fdt \u010dasov\u011b omezena. A pr\u00e1v\u011b na tento fakt byste si m\u011bli d\u00e1vat pozor.V\u00fd\u0161i limitu si ka\u017ed\u00e1 banka stanov\u00ed sama a pro V\u00e1s to m\u016f\u017ee b\u00fdt jeden z rozhoduj\u00edc\u00edch faktor\u016f. Kontokorent je naprosto bez\u00fa\u010delov\u00fd, m\u016f\u017eete ho tedy vyu\u017e\u00edt na financov\u00e1n\u00ed t\u00e9m\u011b\u0159 \u010dehokoliv. Tento typ kr\u00e1tkodob\u00e9ho \u00fav\u011bru je tak\u00e9 nezaji\u0161t\u011bn\u00fd. To znamen\u00e1, \u017ee bance ni\u010d\u00edm neru\u010d\u00edte. Pr\u00e1v\u011b z tohoto d\u016fvodu b\u00fdv\u00e1 \u00farokov\u00e1 sazba vy\u0161\u0161\u00ed ne\u017e u b\u011b\u017en\u00e9 p\u016fj\u010dky.Kontokorent m\u016f\u017eete vyu\u017e\u00edt i jako podnikatel. Pak je samoz\u0159ejm\u011b lep\u0161\u00ed vy\u0161\u0161\u00ed limit pro vy\u010derp\u00e1n\u00ed, jeliko\u017e podnik\u00e1n\u00ed vy\u017eaduje v\u00edce finan\u010dn\u00edch prost\u0159edk\u016f pro n\u00e1kupy materi\u00e1l\u016f a tak d\u00e1le. Podnikatel\u00e9 tak\u00e9 maj\u00ed obvykle vy\u0161\u0161\u00ed v\u00fdnosy ne\u017e b\u011b\u017en\u00ed lid\u00e9. Kontokorent se tedy hod\u00ed jak pro pr\u00e1vnick\u00e9, tak pro fyzick\u00e9 osoby.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kontokorentn\u00ed \u00fav\u011bry: Co nab\u00edz\u00ed?","item":"https:\/\/www.zerba.cz\/kontokorentni-uvery-co-nabizi\/#breadcrumbitem"}]}]