[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/typy-uveru\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/typy-uveru\/","headline":"Typy \u00fav\u011br\u016f","name":"Typy \u00fav\u011br\u016f","description":"\u010casto se za p\u016fj\u010dky a \u00fav\u011bry ozna\u010duj\u00ed jedny a tyt\u00e9\u017e v\u011bci. Vlastn\u011b jde o vyp\u016fj\u010den\u00ed pen\u011bz od v\u011b\u0159itel\u016f, tedy z&nbsp;bank nebo jin\u00fdch finan\u010dn\u00edch instituc\u00ed. \u00dav\u011bry tedy m\u016f\u017eeme rozli\u0161ovat hned podle n\u011bkolika r\u016fzn\u00fdch krit\u00e9ri\u00ed. P\u016fj\u010dovat si mohou lid\u00e9 i podnikatel\u00e9 \u010dili rozli\u0161ujeme \u00fav\u011bry spot\u0159ebitelsk\u00e9 a podnikatelsk\u00e9. Podnikatelsk\u00e9 si samoz\u0159ejm\u011b mohou sjedn\u00e1vat pouze podnikatel\u00e9, firmy a OSV\u010c. &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/typy-uveru\/\"> <span class=\"screen-reader-text\">Typy \u00fav\u011br\u016f<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-01","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\/typy-uveru\/","about":["P\u016fj\u010dky"],"wordCount":405,"articleBody":"\u010casto se za p\u016fj\u010dky a \u00fav\u011bry ozna\u010duj\u00ed jedny a tyt\u00e9\u017e v\u011bci. Vlastn\u011b jde o vyp\u016fj\u010den\u00ed pen\u011bz od v\u011b\u0159itel\u016f, tedy z&nbsp;bank nebo jin\u00fdch finan\u010dn\u00edch instituc\u00ed. \u00dav\u011bry tedy m\u016f\u017eeme rozli\u0161ovat hned podle n\u011bkolika r\u016fzn\u00fdch krit\u00e9ri\u00ed.P\u016fj\u010dovat si mohou lid\u00e9 i podnikatel\u00e9 \u010dili rozli\u0161ujeme \u00fav\u011bry spot\u0159ebitelsk\u00e9 a podnikatelsk\u00e9. Podnikatelsk\u00e9 si samoz\u0159ejm\u011b mohou sjedn\u00e1vat pouze podnikatel\u00e9, firmy a OSV\u010c. Naproti tomu spot\u0159ebitelsk\u00e9 \u00fav\u011bry, o ty m\u016f\u017ee po\u017e\u00e1dat vlastn\u011b jak\u00fdkoliv ob\u010dan \u010cesk\u00e9 republiky.Existuj\u00ed \u00fav\u011bry kr\u00e1tkodob\u00e9, st\u0159edn\u011bdob\u011b a dlouhodob\u00e9. Kr\u00e1tkodob\u00e9 jsou v\u011bt\u0161inou se splatnost\u00ed do jednoho roku. St\u0159edn\u011bdob\u00e9 mohou m\u00edt splatnost od tohoto jednoho roku a\u017e nap\u0159\u00edklad do 5 let. Samoz\u0159ejm\u011b, \u017ee banky mohou m\u00edt toto rozli\u0161en\u00ed nastaveno je\u0161t\u011b jin\u00fdm zp\u016fsobem dle sv\u00fdch vlastn\u00edch krit\u00e9ri\u00ed. Obecn\u011b v\u0161ak plat\u00ed tato pravidla. A do dlouhodob\u00fdch m\u016f\u017eeme za\u0159adit \u00fav\u011bry se splatnost\u00ed nad 5 let.Jako dal\u0161\u00ed rozd\u011blujeme \u00fav\u011bry podle toho, kdo je poskytuje \u010dili na bankovn\u00ed a nebankovn\u00ed.\tDal\u0161\u00ed konkr\u00e9tn\u00ed p\u0159\u00edkladyS&nbsp;dal\u0161\u00edmi p\u0159\u00edpady jste se jist\u011b u\u017e setkali v&nbsp;b\u011b\u017en\u00e9m \u017eivot\u011b, ani\u017e byste o tom tu\u0161ili, \u017ee se tato krit\u00e9ria \u0159ad\u00ed do rozli\u0161en\u00ed \u00fav\u011br\u016f. \u00dav\u011bry toti\u017e mohou b\u00fdt se zaji\u0161t\u011bn\u00edm a bez zaji\u0161t\u011bn\u00ed. \u010cili v\u0161eobecn\u011b \u0159e\u010deno bu\u010fto jsou s&nbsp;ru\u010den\u00edm nap\u0159\u00edklad nemovitosti, nebo bez ru\u010den\u00ed. Jist\u011b zn\u00e1te vzorov\u00fd p\u0159\u00edklad, jak\u00fdm jsou hypote\u010dn\u00ed \u00fav\u011bry.Hypote\u010dn\u00ed \u00fav\u011bry bychom mohli zm\u00ednit jako samostatnou kapitolu, proto\u017ee je obsahov\u011b hodn\u011b rozs\u00e1hl\u00e1. Hypote\u010dn\u00ed \u00fav\u011br je toti\u017e zpravidla v\u00e1z\u00e1n na z\u00e1stavu. Ru\u010d\u00ed se n\u011bjakou nemovitost\u00ed. Pen\u00edze se pou\u017e\u00edvaj\u00ed na bydlen\u00ed. Kv\u016fli nespl\u00e1cen\u00ed hypot\u00e9ky byste se mohli ocitnout v&nbsp;probl\u00e9mech, proto\u017ee z\u00e1stavu \u010dili nemovitost, kterou jste ru\u010dili, by mohla banka nap\u0159\u00edklad prodat.Jako dal\u0161\u00ed si m\u016f\u017eeme zm\u00ednit \u00fav\u011bry \u00fa\u010delov\u00e9 a ne\u00fa\u010delov\u00e9. Bu\u010fto chcete \u00fav\u011br na koupi nov\u00e9ho automobilu, na vybaven\u00ed dom\u00e1cnosti, nebo d\u00e1le m\u016f\u017eete po\u017eadovat \u00fav\u011br na bydlen\u00ed, nebo \u00fav\u011bry na ostatn\u00ed pot\u0159eby.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Typy \u00fav\u011br\u016f","item":"https:\/\/www.zerba.cz\/typy-uveru\/#breadcrumbitem"}]}]