[{"@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\u00a0obecn\u00e9 mluv\u011b p\u0159evl\u00e1daj\u00ed oba dva pojmy. Pro\u010d tomu tak je? Proto\u017ee p\u016fj\u010dku si spojujeme s\u00a0\u00fav\u011brem a \u00fav\u011br s\u00a0p\u016fj\u010dkou, jedn\u00e1 se o jak\u00e9si p\u016fj\u010den\u00ed n\u011b\u010deho v\u011bt\u0161inou financ\u00ed. V\u00a0hovorov\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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384635_16x9_20260817_102143_NbTufY.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384635_16x9_20260817_102143_NbTufY.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/pujcka-a-uver\/","about":["P\u016fj\u010dky"],"wordCount":509,"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\u00a0obecn\u00e9 mluv\u011b p\u0159evl\u00e1daj\u00ed oba dva pojmy. Pro\u010d tomu tak je? Proto\u017ee p\u016fj\u010dku si spojujeme s\u00a0\u00fav\u011brem a \u00fav\u011br s\u00a0p\u016fj\u010dkou, jedn\u00e1 se o jak\u00e9si p\u016fj\u010den\u00ed n\u011b\u010deho v\u011bt\u0161inou financ\u00ed. V\u00a0hovorov\u00e9 mluv\u011b se tedy jedn\u00e1 o podobn\u00e9 v\u00fdrazy, ale z\u00a0pr\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\u00a0z\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\u00a0k\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 \u201ep\u016fj\u010dku\u201c, 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\u00a0p\u0159\u00edpad\u011b \u00fav\u011bru tak\u00e9 mus\u00ed b\u00fdt sjedn\u00e1ny \u00faroky. \u010cili jak\u00e1si odm\u011bna v\u011b\u0159iteli \u2013 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\u00a0kolegou v\u00a0pr\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\u00a0tomu, 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.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]