[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/spotrebitelsky-uver-jak-jej-definovat\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/spotrebitelsky-uver-jak-jej-definovat\/","headline":"Spot\u0159ebitelsk\u00fd \u00fav\u011br, jak jej definovat?","name":"Spot\u0159ebitelsk\u00fd \u00fav\u011br, jak jej definovat?","description":"Spot\u0159ebitelsk\u00fd \u00fav\u011br je tak\u00e9 mo\u017en\u00e9 vyu\u017e\u00edt pro rekonstrukci bytu nebo domu a dokonce i k&nbsp;financov\u00e1n\u00ed n\u00e1kupu nemovitosti. N\u011bkter\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry jsou stanoveny jako bez\u00fa\u010delov\u00e9, lze je tedy vyu\u017e\u00edt prakticky na cokoliv. Spot\u0159ebitelsk\u00fd \u00fav\u011br se poskytuje fyzick\u00fdm osob\u00e1m, kter\u00e9 maj\u00ed st\u00e1tn\u00ed ob\u010danstv\u00ed \u010cesk\u00e9 republiky, maj\u00ed na \u00fazem\u00ed \u010cesk\u00e9 republiky trval\u00fd pobyt a jsou pochopiteln\u011b star\u0161\u00ed 18 &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/spotrebitelsky-uver-jak-jej-definovat\/\"> <span class=\"screen-reader-text\">Spot\u0159ebitelsk\u00fd \u00fav\u011br, jak jej definovat?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2018-08-25","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_a309083_w1992_t1520059431.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a309083_w1992_t1520059431.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/spotrebitelsky-uver-jak-jej-definovat\/","about":["P\u016fj\u010dky"],"wordCount":417,"articleBody":"\tSpot\u0159ebitelsk\u00fd \u00fav\u011br je tak\u00e9 mo\u017en\u00e9 vyu\u017e\u00edt pro rekonstrukci bytu nebo domu a dokonce i k&nbsp;financov\u00e1n\u00ed n\u00e1kupu nemovitosti. N\u011bkter\u00e9 spot\u0159ebitelsk\u00e9 \u00fav\u011bry jsou stanoveny jako bez\u00fa\u010delov\u00e9, lze je tedy vyu\u017e\u00edt prakticky na cokoliv.\tSpot\u0159ebitelsk\u00fd \u00fav\u011br se poskytuje fyzick\u00fdm osob\u00e1m, kter\u00e9 maj\u00ed st\u00e1tn\u00ed ob\u010danstv\u00ed \u010cesk\u00e9 republiky, maj\u00ed na \u00fazem\u00ed \u010cesk\u00e9 republiky trval\u00fd pobyt a jsou pochopiteln\u011b star\u0161\u00ed 18 let. V\u011bt\u0161ina \u00fav\u011br\u016f je tak\u00e9 podm\u00edn\u011bna vytvo\u0159en\u00fdm bankovn\u00edm \u00fa\u010dtem klienta. Pokud budete \u017e\u00e1dat o spot\u0159ebitelsk\u00fd \u00fav\u011br v&nbsp;bance, kde m\u00e1te b\u011b\u017en\u00fd \u00fa\u010det, je to tak\u00e9 pochopiteln\u011b mnohem rychlej\u0161\u00ed a jednodu\u0161\u0161\u00ed procedura. Existuj\u00ed tak\u00e9 tzv. \u00fav\u011bry p\u0159edschv\u00e1len\u00e9, u kter\u00fdch se nevy\u017eaduje dolo\u017een\u00ed v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu.\t\t\u00da\u010delov\u00fd \u00fav\u011br\tBanka po\u017eaduje dolo\u017eit, k&nbsp;\u010demu budete \u00fav\u011br pot\u0159ebovat. Zpravidla p\u016fjde o b\u011b\u017en\u00e9 spot\u0159ebn\u00ed zbo\u017e\u00ed nebo slu\u017eby, tedy nap\u0159. ledni\u010dku, pra\u010dku atd. Pokud t\u00edm klient chce financovat po\u0159\u00edzen\u00ed nebo rekonstrukci nemovitosti, banka vych\u00e1z\u00ed vst\u0159\u00edc tak, \u017ee nab\u00eddne ni\u017e\u0161\u00ed \u00farokovou sazbu v&nbsp;z\u00e1vislosti na del\u0161\u00ed dob\u011b splatnosti, tedy v&nbsp;p\u0159\u00edpad\u011b, \u017ee p\u016fjde o vy\u0161\u0161\u00ed dlu\u017en\u00e9 \u010d\u00e1stky. Vyplacen\u00ed \u00fav\u011bru prob\u00edh\u00e1 v\u011bt\u0161inou tak, \u017ee banka celou \u010d\u00e1stku \u00fav\u011bru proplat\u00ed prodejci na jeho \u00fa\u010det bezhotovostn\u011b pot\u00e9, co klient p\u0159edlo\u017e\u00ed bankovn\u00edmu \u00fa\u0159edn\u00edkovi p\u0159\u00edslu\u0161nou fakturu. B\u011b\u017en\u00e1 \u00farokov\u00e1 sazba na po\u0159\u00edzen\u00ed spot\u0159ebn\u00edho zbo\u017e\u00ed se pohybuje kolem 10% p.a. (tedy doslova per anual, tzn. ro\u010dn\u011b).\t\tBez\u00fa\u010delov\u00fd \u00fav\u011br\tTen m\u00e1 ji\u017e zpravidla vy\u0161\u0161\u00ed \u00farokovou sazbu, kolem 15% p.a., ov\u0161em z\u00e1kazn\u00edk nen\u00ed limitov\u00e1n zp\u016fsobem vyu\u017eit\u00ed \u00fav\u011bru. Banka jednodu\u0161e vyplat\u00ed na z\u00e1kaznick\u00fd \u00fa\u010det po\u017eadovan\u00fd obnos bezhotovostn\u011b, v&nbsp;n\u011bkter\u00fdch p\u0159\u00edpadech lze pen\u00edze inkasovat na p\u0159ep\u00e1\u017ece v&nbsp;hotovosti.\tV\u00fd\u0161e spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f je r\u016fzn\u00e1 a jej\u00ed maximum b\u00fdv\u00e1 ohrani\u010deno \u010d\u00e1stkou 1 milion korun. U vy\u0161\u0161\u00edch \u010d\u00e1stek je zapot\u0159eb\u00ed jednak ov\u011b\u0159en\u00ed schopnosti \u00fav\u011br spl\u00e1cet (bonita) a tak\u00e9 zaji\u0161t\u011bn\u00ed, nap\u0159. formou z\u00e1stavn\u00edho pr\u00e1va u nemovitosti. U ni\u017e\u0161\u00edch \u010d\u00e1stek, nap\u0159. na n\u00e1kup automatick\u00e9 pra\u010dky, v\u0161ak posta\u010d\u00ed bance jen potvrzen\u00ed o v\u00fd\u0161i p\u0159\u00edjmu a nahl\u00e9dnut\u00ed (v\u00fdpis) z&nbsp;bankovn\u00edho \u00fa\u010dtu.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Spot\u0159ebitelsk\u00fd \u00fav\u011br, jak jej definovat?","item":"https:\/\/www.zerba.cz\/spotrebitelsky-uver-jak-jej-definovat\/#breadcrumbitem"}]}]