[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/pujcka-a-uver\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/pujcka-a-uver\/","headline":"P\u016fj\u010dka a \u00fav\u011br","name":"P\u016fj\u010dka a \u00fav\u011br","description":"Mezi pojmy p\u016fj\u010dka a \u00fav\u011br se mnohdy ztr\u00e1c\u00edme. Nav\u00edc si v\u011bt\u0161ina lid\u00ed mysl\u00ed, \u017ee se jedn\u00e1 o jednu a tut\u00e9\u017e v\u011bc. V&nbsp;obecn\u00e9 mluv\u011b p\u0159evl\u00e1daj\u00ed oba dva pojmy. Pro\u010d tomu tak je? Proto\u017ee p\u016fj\u010dku si spojujeme s&nbsp;\u00fav\u011brem a \u00fav\u011br s&nbsp;p\u016fj\u010dkou, jedn\u00e1 se o jak\u00e9si p\u016fj\u010den\u00ed n\u011b\u010deho v\u011bt\u0161inou financ\u00ed. V&nbsp;hovorov\u00e9 mluv\u011b se tedy jedn\u00e1 o podobn\u00e9 v\u00fdrazy, &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/pujcka-a-uver\/\"> <span class=\"screen-reader-text\">P\u016fj\u010dka a \u00fav\u011br<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-06","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\/pujcka-a-uver\/","about":["P\u016fj\u010dky"],"wordCount":523,"articleBody":"Mezi pojmy p\u016fj\u010dka a \u00fav\u011br se mnohdy ztr\u00e1c\u00edme. Nav\u00edc si v\u011bt\u0161ina lid\u00ed mysl\u00ed, \u017ee se jedn\u00e1 o jednu a tut\u00e9\u017e v\u011bc. V&nbsp;obecn\u00e9 mluv\u011b p\u0159evl\u00e1daj\u00ed oba dva pojmy. Pro\u010d tomu tak je? Proto\u017ee p\u016fj\u010dku si spojujeme s&nbsp;\u00fav\u011brem a \u00fav\u011br s&nbsp;p\u016fj\u010dkou, jedn\u00e1 se o jak\u00e9si p\u016fj\u010den\u00ed n\u011b\u010deho v\u011bt\u0161inou financ\u00ed. V&nbsp;hovorov\u00e9 mluv\u011b se tedy jedn\u00e1 o podobn\u00e9 v\u00fdrazy, ale z&nbsp;pr\u00e1vn\u00edho a ekonomick\u00e9ho hlediska se jedn\u00e1 o dva rozd\u00edln\u00e9 subjekty. P\u016fj\u010dka samoz\u0159ejm\u011b nen\u00ed \u00fav\u011br a \u00fav\u011br nen\u00ed p\u016fj\u010dka. Maj\u00ed rozd\u00edln\u00e9 vlastnosti. P\u016fj\u010dka jako takov\u00e1 u\u017e ani v&nbsp;z\u00e1konech neexistuje. Hovo\u0159\u00ed se o n\u00ed jako o z\u00e1p\u016fj\u010dce. Z\u00e1p\u016fj\u010dku toti\u017e m\u016f\u017eete sjednat kdekoliv a s&nbsp;k\u00fdmkoliv. Nemus\u00ed j\u00edt tedy o transakci mezi lidmi a bankami nebo jin\u00fdmi spole\u010dnostmi. P\u016fj\u010dit si m\u016f\u017eete od p\u0159\u00e1tel, rodiny. Z\u00e1kladn\u00ed vlastnost\u00ed z\u00e1p\u016fj\u010dky, tedy na\u0161\u00ed v\u0161eobecn\u011b mluven\u00e9 p\u016fj\u010dky, nemus\u00ed b\u00fdt ani nezbytn\u011b pen\u00edze. Proto se jedn\u00e1 o &bdquo;p\u016fj\u010dku&ldquo;, pod t\u00edmto ofici\u00e1ln\u00edm n\u00e1zvem z\u00e1p\u016fj\u010dka. M\u016f\u017eeme si formou z\u00e1p\u016fj\u010dky p\u016fj\u010dit i movit\u00e9 v\u011bci. Naproti tomu \u00fav\u011br je v\u017edy sjedn\u00e1v\u00e1n p\u0159es finance. \u00dav\u011br je v\u017edy pen\u011b\u017eit\u00e9ho charakteru. V&nbsp;p\u0159\u00edpad\u011b \u00fav\u011bru tak\u00e9 mus\u00ed b\u00fdt sjedn\u00e1ny \u00faroky. \u010cili jak\u00e1si odm\u011bna v\u011b\u0159iteli &ndash; neboli \u00fav\u011bruj\u00edc\u00edmu. \u00dav\u011br je tedy sjedn\u00e1n p\u0159es banku nebo nebankovn\u00ed spole\u010dnost. Zat\u00edmco p\u016fj\u010dku si m\u016f\u017eete domluvit dokonce i pouze \u00fastn\u00ed formou, nemus\u00ed b\u00fdt p\u00edsemn\u00e1, nap\u0159\u00edklad s&nbsp;kolegou v&nbsp;pr\u00e1ci.\tZ\u00e1kladn\u00ed rozd\u011blen\u00edTrochu jsme ji\u017e nahl\u00e9dli do z\u00e1kladn\u00edho ofici\u00e1ln\u00edho rozd\u011blen\u00ed mezi p\u016fj\u010dkou a \u00fav\u011brem, tak\u017ee jsme pochopili jist\u00e9 souvislosti a nyn\u00ed si m\u016f\u017eeme \u0159\u00edct, jak to na na\u0161em trhu funguje. \u00dav\u011bry a p\u016fj\u010dky jsou z\u00e1kladn\u00edmi stavebn\u00edmi kameny cel\u00e9 ekonomiky. P\u016fj\u010dky mohou b\u00fdt kr\u00e1tkodob\u00e9, \u00fav\u011bry m\u016f\u017eeme rozd\u011blit tak\u00e9 podle doby splatnosti na kr\u00e1tkodob\u00e9, st\u0159edn\u011bdob\u00e9 a dlouhodob\u00e9. P\u016fj\u010dky a \u00fav\u011bry vyu\u017e\u00edv\u00e1me k&nbsp;tomu, abychom si vyp\u016fj\u010dili pen\u00edze. P\u016fj\u010dka a \u00fav\u011br je ka\u017ed\u00e9 jin\u00fd pojem, ale \u010dasto se sklo\u0148uj\u00ed dohromady. P\u016fj\u010dky \u00fav\u011bry m\u016f\u017eeme \u010dlenit podle toho, kdo je poskytuje, na bankovn\u00ed a nebankovn\u00ed. D\u00e1le podle toho, na co finance pot\u0159ebujete na \u00fa\u010delov\u00e9 a ne\u00fa\u010delov\u00e9. Existuj\u00ed spot\u0159ebitelsk\u00e9 \u00fav\u011bry a podnikatelsk\u00e9. Rozd\u011blen\u00ed podle toho, komu se finance p\u016fj\u010duj\u00ed. Kontokorentn\u00ed \u00fav\u011br, revolvingov\u00fd \u00fav\u011br, to v\u0161echno jsou dal\u0161\u00ed oblasti, do kter\u00fdch se \u0159ad\u00ed \u00fav\u011br, p\u016fj\u010dka.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka a \u00fav\u011br","item":"https:\/\/www.zerba.cz\/pujcka-a-uver\/#breadcrumbitem"}]}]