[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/poskytovani-uveru-ma-jasna-pravidla\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/poskytovani-uveru-ma-jasna-pravidla\/","headline":"Poskytov\u00e1n\u00ed \u00fav\u011bru m\u00e1 jasn\u00e1 pravidla","name":"Poskytov\u00e1n\u00ed \u00fav\u011bru m\u00e1 jasn\u00e1 pravidla","description":"Co to vlastn\u011b takov\u00fd \u00fav\u011br je? \u00dav\u011br je do\u010dasn\u00e9 postoupen\u00ed pen\u011b\u017en\u00edch prost\u0159edk\u016f v\u011b\u0159itelem na principu n\u00e1vratnosti dlu\u017en\u00edkovi, kter\u00fd je ochotn\u00fd za tuto p\u016fj\u010dku po uplynut\u00ed nebo je\u0161t\u011b v r\u00e1mci pr\u016fb\u011bhu doby splatnosti zaplatit ur\u010ditou \u010d\u00e1st hodnoty p\u016fj\u010dky, tedy \u00farok. P\u016fvodn\u00ed funkce a vlastn\u011b st\u00e1le funkce \u00fav\u011bru je vyu\u017eit\u00ed voln\u00fdch financ\u00ed. Poskytov\u00e1n\u00ed \u00fav\u011br\u016f pat\u0159\u00ed mezi nejz\u00e1kladn\u011bj\u0161\u00ed &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/poskytovani-uveru-ma-jasna-pravidla\/\"> <span class=\"screen-reader-text\">Poskytov\u00e1n\u00ed \u00fav\u011bru m\u00e1 jasn\u00e1 pravidla<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2017-07-25","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_a294441_w1990_t1506371583.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a294441_w1990_t1506371583.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/poskytovani-uveru-ma-jasna-pravidla\/","about":["P\u016fj\u010dky"],"wordCount":413,"articleBody":"\tCo to vlastn\u011b takov\u00fd \u00fav\u011br je?\u00dav\u011br je do\u010dasn\u00e9 postoupen\u00ed pen\u011b\u017en\u00edch prost\u0159edk\u016f v\u011b\u0159itelem na principu n\u00e1vratnosti dlu\u017en\u00edkovi, kter\u00fd je ochotn\u00fd za tuto p\u016fj\u010dku po uplynut\u00ed nebo je\u0161t\u011b v r\u00e1mci pr\u016fb\u011bhu doby splatnosti zaplatit ur\u010ditou \u010d\u00e1st hodnoty p\u016fj\u010dky, tedy \u00farok. P\u016fvodn\u00ed funkce a vlastn\u011b st\u00e1le funkce \u00fav\u011bru je vyu\u017eit\u00ed voln\u00fdch financ\u00ed.Poskytov\u00e1n\u00ed \u00fav\u011br\u016f pat\u0159\u00ed mezi nejz\u00e1kladn\u011bj\u0161\u00ed \u010dinnosti bank a je to hlavn\u00ed polo\u017eka jejich aktiv, kter\u00e1 za\u0159izuje bank\u00e1m p\u0159\u00edjmy.Banky nejsou jedin\u00e9, kdo m\u016f\u017ee \u00fav\u011bry poskytovat, ale od toho jsou na trhu i jin\u00e9 instituce.\u00dav\u011bry lze samoz\u0159ejm\u011b poskytovat za ur\u010dit\u00fdm \u00fa\u010delem a na ur\u010dit\u00e9 a konkr\u00e9tn\u00ed v\u011bci nebo slu\u017eby.N\u011bkdy mezi poskytovatelem \u00fav\u011bru a c\u00edlov\u00fdm dlu\u017en\u00edkem m\u016f\u017ee figurovat zprost\u0159edkovatel, kter\u00fd m\u00e1 za c\u00edl sjednat pr\u00e1v\u011b sv\u00e9mu klientovi \u00fav\u011br od investora, respektive poskytovatele. Samoz\u0159ejm\u011b tento pracuje za \u00faplatu. A\u0165 u\u017e je placen\u00fd klientem \u010di v\u011b\u0159itelem.&nbsp;\tJak je o\u0161et\u0159en z hlediska smluvn\u00edho?Takov\u00fd vztah je o\u0161et\u0159en bankou \u010di jin\u00fdm poskytovatelem a osobou, kter\u00e1 si \u00fav\u011br bere, smlouvou o \u00fav\u011bru. Samoz\u0159ejm\u011b jsou dan\u00e9 podm\u00ednky, kter\u00e9 \u017eadatel mus\u00ed splnit, a\u0165 u\u017e je to fyzick\u00e1 \u010di pr\u00e1vnick\u00e1 osoba.&nbsp; Takov\u00fdch drobn\u00fdch \u00fav\u011br\u016f se poskytuje mnoho a nen\u00ed na n\u011b t\u0159eba spl\u0148ovat extra slo\u017eit\u00e9 podm\u00ednky. Jin\u00e9 je to pak u hypote\u010dn\u00edch \u00fav\u011br\u016f samoz\u0159ejm\u011b.&nbsp;\tCo si zji\u0161\u0165uje banka p\u0159ed poskytnut\u00edm?Samoz\u0159ejm\u011b na z\u00e1klad\u011b osobn\u00edch \u00fadaj\u016f si banka zjist\u00ed finan\u010dn\u00ed situaci a provede p\u0159epo\u010det bonity. Kdy\u017e se v\u0161e zanalyzuje, d\u00e1 se rozhodnout, jestli je bezpe\u010dn\u00e9 skute\u010dn\u011b \u00fav\u011br poskytnout.&nbsp;Pokud ano, dojde tedy k podpisu smlouvy a klient m\u016f\u017ee \u010derpat \u00fav\u011br dle podm\u00ednek dan\u00fdch smlouvou. Ve smlouv\u011b je tak\u00e9 ur\u010deno v jak\u00fdch v\u00fd\u0161\u00edch, jak\u00fdm zp\u016fsobem, v jak\u00fdch term\u00ednech a s jak\u00fdm \u00fav\u011brem je nutn\u00e9 tento \u00fav\u011br spl\u00e1cet. A to samoz\u0159ejm\u011b nen\u00ed v\u0161echno, co je ve smlouv\u011b a v podm\u00ednk\u00e1ch o\u0161et\u0159eno.&nbsp;&nbsp;Tento institut je samoz\u0159ejm\u011b v \u010desk\u00e9m pr\u00e1vu o\u0161et\u0159en z\u00e1konem.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Poskytov\u00e1n\u00ed \u00fav\u011bru m\u00e1 jasn\u00e1 pravidla","item":"https:\/\/www.zerba.cz\/poskytovani-uveru-ma-jasna-pravidla\/#breadcrumbitem"}]}]