[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/smlouva-o-uveru\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/smlouva-o-uveru\/","headline":"Smlouva o \u00fav\u011bru","name":"Smlouva o \u00fav\u011bru","description":"Nyn\u00ed jsme se dostali do t\u00e9matu smlouvy o \u00fav\u011bru. Jestli\u017ee hled\u00e1te p\u016fj\u010dky nebo \u00fav\u011bry, je to jednoduch\u00e9 a do t\u00e9 doby nez\u00e1vazn\u00e9. Smlouva o \u00fav\u011bru v\u0161ak v\u0161echny tyto n\u00e1le\u017eitosti m\u011bn\u00ed. Je toti\u017e zavazuj\u00edc\u00ed a ji\u017e se t\u00fdk\u00e1 konkr\u00e9tn\u00ed nab\u00eddky, na kterou jsme k\u00fdvli, a podle toho n\u00e1m byla vystavena smlouva o \u00fav\u011bru. Jako ka\u017ed\u00e1 jin\u00e1 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/smlouva-o-uveru\/\"> <span class=\"screen-reader-text\">Smlouva o \u00fav\u011bru<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-22","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\/smlouva-o-uveru\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":439,"articleBody":"Nyn\u00ed jsme se dostali do t\u00e9matu smlouvy o \u00fav\u011bru. Jestli\u017ee hled\u00e1te p\u016fj\u010dky nebo \u00fav\u011bry, je to jednoduch\u00e9 a do t\u00e9 doby nez\u00e1vazn\u00e9. Smlouva o \u00fav\u011bru v\u0161ak v\u0161echny tyto n\u00e1le\u017eitosti m\u011bn\u00ed. Je toti\u017e zavazuj\u00edc\u00ed a ji\u017e se t\u00fdk\u00e1 konkr\u00e9tn\u00ed nab\u00eddky, na kterou jsme k\u00fdvli, a podle toho n\u00e1m byla vystavena smlouva o \u00fav\u011bru. Jako ka\u017ed\u00e1 jin\u00e1 smlouva i tato mus\u00ed obsahovat samoz\u0159ejm\u011b d\u016fle\u017eit\u00e9 informace t\u00fdkaj\u00edc\u00ed se v\u011b\u0159itele a dlu\u017en\u00edka. Co\u017e znamen\u00e1, \u017ee na n\u00ed mus\u00ed b\u00fdt uvedeno, kdo v\u00e1m finan\u010dn\u00ed prost\u0159edky poskytuje, tedy n\u00e1zev v\u011b\u0159itele, od koho si pen\u00edze budete p\u016fj\u010dovat, v\u011bt\u0161inou se jedn\u00e1 o n\u00e1zev banky nebo jin\u00e9 finan\u010dn\u00ed instituce. N\u00e1sleduj\u00ed informace o dlu\u017en\u00edkovi, co\u017e je osoba, kter\u00e1 si pen\u00edze p\u016fj\u010duje. Samoz\u0159ejmost\u00ed jsou i dal\u0161\u00ed \u00fadaje jako je doba splatnosti, \u00fav\u011brov\u00fd r\u00e1mec, \u010d\u00e1stka, na kterou je \u00fav\u011br sjedn\u00e1n, spl\u00e1tky, \u00faroky a spoustu dal\u0161\u00edch informac\u00ed.\tZ\u00e1kladn\u00ed \u00fadaje a n\u00e1le\u017eitosti smlouvyZ\u00e1kladn\u00ed charakteristikou je, \u017ee banka nebo jin\u00e1 finan\u010dn\u00ed instituce v\u00e1m poskytne pen\u00edze na po\u017e\u00e1d\u00e1n\u00ed. Pro tento \u00fakon se vytavuje smlouva o \u00fav\u011bru. V\u011b\u0159itel a dlu\u017en\u00edk se mus\u00ed dohodnout, na jak vysokou \u010d\u00e1stku bude \u00fav\u011br nastaven a tak\u00e9 na pravideln\u00fdch spl\u00e1tk\u00e1ch. Dlu\u017en\u00edk bude spl\u00e1cet m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku po dohodnutou dobu, a to i s&nbsp;\u00faroky. Dal\u0161\u00ed podm\u00ednky \u00fav\u011bru se t\u00fdkaj\u00ed toho, zdali je klient fyzick\u00e1 \u010di pr\u00e1vnick\u00e1 osoba. Smlouva toti\u017e m\u016f\u017ee obsahovat dal\u0161\u00ed \u00fadaje jako je \u00fa\u010del poskytnut\u00ed \u00fav\u011bru.Smlouva o \u00fav\u011bru je tak\u00e9 definov\u00e1na v&nbsp;pr\u00e1vn\u00edm zn\u011bn\u00ed podle platn\u00fdch p\u0159edpis\u016f. V&nbsp;na\u0161\u00ed republice se jedn\u00e1 o obchodn\u00ed z\u00e1kon\u00edk. Zm\u00ednku o n\u011bm najdete tak\u00e9 v&nbsp;ob\u010dansk\u00e9m z\u00e1kon\u00edku, proto\u017ee smlouva o \u00fav\u011bru m\u016f\u017ee b\u00fdt spojov\u00e1na i se smlouvou o p\u016fj\u010dce, kterou naleznete pr\u00e1v\u011b v&nbsp;ob\u010dansk\u00e9m z\u00e1kon\u00edku.Smlouva o \u00fav\u011bru se v\u017edy uzav\u00edr\u00e1 pouze formou pen\u011b\u017en\u00edch prost\u0159edk\u016f.Jestli\u017ee si sjedn\u00e1v\u00e1te smlouvu o \u00fav\u011bru, pak se v\u017edy d\u00edvejte na ve\u0161ker\u00e9 n\u00e1le\u017eitosti. Rozhodn\u011b se nikdy nedoporu\u010duje jenom smlouvu vz\u00edt a ihned podepsat, ani\u017e byste si p\u0159e\u010detli jej\u00ed kompletn\u00ed zn\u011bn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Smlouva o \u00fav\u011bru","item":"https:\/\/www.zerba.cz\/smlouva-o-uveru\/#breadcrumbitem"}]}]