[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/lombardni-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/lombardni-uver\/","headline":"Lombardn\u00ed \u00fav\u011br","name":"Lombardn\u00ed \u00fav\u011br","description":"Listovali jste r\u016fzn\u00fdmi p\u016fj\u010dkami a \u00fav\u011bry a narazili jste na lombardn\u00ed \u00fav\u011br? Nev\u00edte p\u0159esn\u011b, co tento pojem znamen\u00e1? Pak si ho trochu osv\u011btl\u00edme. Lombardn\u00ed \u00fav\u011br je samoz\u0159ejm\u011b druh \u00fav\u011bru a to kr\u00e1tkodob\u00e9ho. Nyn\u00ed p\u0159ech\u00e1z\u00edme k&nbsp;tomu hlavn\u00edmu, co\u017e bude pro mnoh\u00e9 mo\u017en\u00e1 p\u0159ekvapen\u00edm, proto\u017ee lombardn\u00ed \u00fav\u011br je druh \u00fav\u011bru, u kter\u00e9ho neru\u010d\u00edte nemovitost\u00ed, jako je tomu &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/lombardni-uver\/\"> <span class=\"screen-reader-text\">Lombardn\u00ed \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-27","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\/lombardni-uver\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":476,"articleBody":"Listovali jste r\u016fzn\u00fdmi p\u016fj\u010dkami a \u00fav\u011bry a narazili jste na lombardn\u00ed \u00fav\u011br? Nev\u00edte p\u0159esn\u011b, co tento pojem znamen\u00e1? Pak si ho trochu osv\u011btl\u00edme. Lombardn\u00ed \u00fav\u011br je samoz\u0159ejm\u011b druh \u00fav\u011bru a to kr\u00e1tkodob\u00e9ho. Nyn\u00ed p\u0159ech\u00e1z\u00edme k&nbsp;tomu hlavn\u00edmu, co\u017e bude pro mnoh\u00e9 mo\u017en\u00e1 p\u0159ekvapen\u00edm, proto\u017ee lombardn\u00ed \u00fav\u011br je druh \u00fav\u011bru, u kter\u00e9ho neru\u010d\u00edte nemovitost\u00ed, jako je tomu v&nbsp;p\u0159\u00edpad\u011b jak\u00e9hokoliv jin\u00e9ho b\u011b\u017en\u00e9ho \u00fav\u011bru se z\u00e1stavou nemovitosti, ale ru\u010den\u00ed prob\u00edh\u00e1 za pomoc\u00ed movit\u00fdch v\u011bc\u00ed. \u010cili d\u00e1te do z\u00e1stavy movit\u00e9 v\u011bci. M\u016f\u017ee se jednat o \u0161perky, drah\u00e9 kovy, zlato, ale tak\u00e9 cenn\u00e9 pap\u00edry, ty b\u00fdvaj\u00ed velice \u010dast\u00e9 nebo se do z\u00e1stavy jako ru\u010den\u00ed mohou d\u00e1t i jin\u00e9 v\u00fdrobky, r\u016fzn\u00e9 zbo\u017e\u00ed a podobn\u011b. Tento typ \u00fav\u011bru v\u0161ak neb\u00fdv\u00e1 \u010dast\u00fd, ani se s&nbsp;n\u00edm v&nbsp;b\u011b\u017en\u00e9m \u017eivot\u011b nesetk\u00e1me, poskytuje jej toti\u017e nej\u010dast\u011bji centr\u00e1ln\u00ed banka, a to men\u0161\u00edm komer\u010dn\u00edm bank\u00e1m. Tento typ \u00fav\u011bru tedy poskytuje \u010cesk\u00e1 n\u00e1rodn\u00ed banka, a to men\u0161\u00edm komer\u010dn\u00edm takzvan\u00fdm obchodn\u00edm bank\u00e1m.\t\u017d\u00e1daj\u00ed o n\u011bj banky, ale t\u00fdkat se m\u016f\u017ee i firemI banky jsou \u010dasto postaveny do t\u00e9to situace, kdy i ony samotn\u00e9 mus\u00ed s\u00e1hnout po \u00fav\u011bru a za\u017e\u00e1dat si u centr\u00e1ln\u00ed banky o \u00fav\u011br. To je jist\u011b pro mnoh\u00e9 z&nbsp;n\u00e1s velice \u00fasm\u011bvn\u00e1 p\u0159edstava, proto\u017ee je to takov\u00e9 zvl\u00e1\u0161tn\u00ed a\u017e nepochopiteln\u00e9, \u017ee i banka by mohla pot\u0159ebovat \u00fav\u011br. Ano, je tomu opravdu tak. V&nbsp;p\u0159\u00edpad\u011b, \u017ee se necht\u011bj\u00ed zbavovat cenn\u00fdch pap\u00edr\u016f, ale nemaj\u00ed pot\u0159ebou finan\u010dn\u00ed hotovost, \u017e\u00e1daj\u00ed o lombardn\u00ed \u00fav\u011br. Cenn\u00e9 pap\u00edry by v&nbsp;takov\u00e9m p\u0159\u00edpad\u011b ur\u010dovaly v\u00fd\u0161i \u00fav\u011bru. Jestli\u017ee banky cht\u011bj\u00ed d\u00e1t do z\u00e1stavy cenn\u00e9 pap\u00edry, z\u00edskaj\u00ed \u00fav\u011br do v\u00fd\u0161e hodnoty cenn\u00fdch pap\u00edr\u016f. Z\u00e1le\u017e\u00ed samoz\u0159ejm\u011b tak\u00e9 na dob\u011b jejich splatnosti nebo na mo\u017enosti reeskontu. T\u00edmto u\u017e zasahujeme pom\u011brn\u011b hluboko do t\u00e9matu bankovnictv\u00ed.Lombardn\u00ed \u00fav\u011br v\u0161ak mohou vyu\u017e\u00edt i firmy. Proto jsme na za\u010d\u00e1tku zmi\u0148ovali, \u017ee se m\u016f\u017ee ru\u010dit i v\u00fdrobky nebo zbo\u017e\u00edm. Pokud firma chce ru\u010dit movit\u00fdmi v\u011bcmi, jakou jsou pr\u00e1v\u011b n\u011bjak\u00e9 v\u00fdrobky nebo zbo\u017e\u00ed, \u010di r\u016fzn\u00e9 komodity, pak je to mo\u017en\u00e9 a tyto v\u00fdrobky se um\u00edst\u00ed do skladu. Pokud by firma \u00fav\u011br nespl\u00e1cela, pak banka m\u016f\u017ee tyto v\u011bci prodat.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Lombardn\u00ed \u00fav\u011br","item":"https:\/\/www.zerba.cz\/lombardni-uver\/#breadcrumbitem"}]}]