[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/uver-co-to-je\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/uver-co-to-je\/","headline":"\u00dav\u011br, co to je","name":"\u00dav\u011br, co to je","description":"\u00dav\u011br je ozna\u010den\u00ed p\u016fj\u010dky. Nejb\u011b\u017en\u011bji \u00fav\u011br poskytuj\u00ed banky a jin\u00e9 nebankovn\u00ed spole\u010dnosti. P\u0159i \u00fav\u011bru se v\u017edy uzav\u00edr\u00e1 \u00fav\u011brov\u00e1 smlouva obsahuj\u00edc\u00ed ve\u0161ker\u00e9 n\u00e1le\u017eitosti. V\u00fd\u0161e \u00fav\u011bru nen\u00ed stanovena. \u010c\u00e1stka se m\u016f\u017ee li\u0161it v&nbsp;z\u00e1vislosti na nab\u00eddce poskytovatel\u016f a na konkr\u00e9tn\u00edch pot\u0159eb\u00e1ch jedince. P\u016fj\u010dovatel pen\u011bz se naz\u00fdv\u00e1 v\u011b\u0159itel. Ten, kdo si je p\u016fj\u010duje, se naz\u00fdv\u00e1 dlu\u017en\u00edk. V\u011b\u0159itel tedy poskytne &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/uver-co-to-je\/\"> <span class=\"screen-reader-text\">\u00dav\u011br, co to je<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2020-08-10","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\/uver-co-to-je\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":465,"articleBody":"\u00dav\u011br je ozna\u010den\u00ed p\u016fj\u010dky. Nejb\u011b\u017en\u011bji \u00fav\u011br poskytuj\u00ed banky a jin\u00e9 nebankovn\u00ed spole\u010dnosti. P\u0159i \u00fav\u011bru se v\u017edy uzav\u00edr\u00e1 \u00fav\u011brov\u00e1 smlouva obsahuj\u00edc\u00ed ve\u0161ker\u00e9 n\u00e1le\u017eitosti. V\u00fd\u0161e \u00fav\u011bru nen\u00ed stanovena. \u010c\u00e1stka se m\u016f\u017ee li\u0161it v&nbsp;z\u00e1vislosti na nab\u00eddce poskytovatel\u016f a na konkr\u00e9tn\u00edch pot\u0159eb\u00e1ch jedince. P\u016fj\u010dovatel pen\u011bz se naz\u00fdv\u00e1 v\u011b\u0159itel. Ten, kdo si je p\u016fj\u010duje, se naz\u00fdv\u00e1 dlu\u017en\u00edk. V\u011b\u0159itel tedy poskytne dlu\u017en\u00edkovi ur\u010dit\u00fd obnos finan\u010dn\u00edch prost\u0159edk\u016f na p\u0159edem stanovenou a dohodnutou dobu. Doba splatnosti &ndash; \u010dili doba, do kter\u00e9 mus\u00ed b\u00fdt \u00fav\u011br splacen, m\u016f\u017ee b\u00fdt r\u016fzn\u00e1. Pokud si klient z\u0159\u00edd\u00ed \u00fav\u011br na p\u00e1r des\u00edtek tis\u00edc, je doba splatnosti krat\u0161\u00ed ne\u017e v&nbsp;p\u0159\u00edpad\u011b, \u017ee si p\u016fj\u010d\u00ed n\u011bkolik stovek tis\u00edc, kdy bude z\u0159ejm\u011b doba splatnosti del\u0161\u00ed, aby klient mohl spl\u00e1cet pravideln\u00e9 spl\u00e1tky a ne\u010dinilo mu to z\u00e1va\u017en\u00e9 probl\u00e9my. Vyhodnocov\u00e1n\u00ed, kolik financ\u00ed klientovi mus\u00ed z\u016fstat, d\u011blaj\u00ed samoz\u0159ejm\u011b banky. Podle toho, kolik vyd\u011bl\u00e1v\u00e1te, si m\u016f\u017eete p\u016fj\u010dit a podle toho a podm\u00ednek v&nbsp;bance \u010di jin\u00e9 nebankovn\u00ed spole\u010dnosti, se nastavuje i doba splatnosti. K&nbsp;\u00fav\u011bru n\u00e1le\u017e\u00ed tak\u00e9 \u00farok. \u00darok je odm\u011bna v\u011b\u0159iteli za to, \u017ee v\u00e1m poskytnul na ur\u010dit\u00e9 obdob\u00ed finan\u010dn\u00ed prost\u0159edky. V\u011bt\u0161inou se spl\u00e1c\u00ed ji\u017e ve spl\u00e1tk\u00e1ch a to postupn\u011b.\tDruhy \u00fav\u011br\u016f\u00dav\u011br\u016f je n\u011bkolik r\u016fzn\u00fdch druh\u016f. M\u016f\u017eeme \u00fav\u011br rozli\u0161ovat podle toho, kdo jej poskytuje \u010dili na bankovn\u00ed \u00fav\u011br a nebankovn\u00ed \u00fav\u011br. D\u00e1le existuje rozd\u011blen\u00ed podle toho, na co pen\u00edze pou\u017eijeme \u010dili se rozli\u0161uje \u00fav\u011br \u00fa\u010delov\u00fd a ne\u00fa\u010delov\u00fd. Do z\u00e1kladn\u00edho rozd\u011blen\u00ed m\u016f\u017eeme za\u0159adit tak\u00e9 spot\u0159ebitelsk\u00e9 a podnikatelsk\u00e9 \u00fav\u011bry. Spot\u0159ebitelsk\u00e9 se poskytuj\u00ed b\u011b\u017en\u00fdm ob\u010dan\u016fm, zat\u00edmco ty podnikatelsk\u00e9 si mohou sjedn\u00e1vat pouze firmy, OSV\u010c a podnikatel\u00e9.Narazit m\u016f\u017eete tak\u00e9 na hypote\u010dn\u00ed \u00fav\u011bry, kter\u00e9 jsou spjat\u00e9 se z\u00e1stavou nemovitosti a pen\u00edze se pou\u017e\u00edvaj\u00ed na bydlen\u00ed. Dal\u0161\u00ed m\u016f\u017ee b\u00fdt kontokorentn\u00ed \u00fav\u011br. Ten se sjedn\u00e1v\u00e1 k&nbsp;b\u011b\u017en\u00e9mu \u00fa\u010dtu a znamen\u00e1, \u017ee m\u016f\u017eete j\u00edt na bankovn\u00edm \u00fa\u010dtu takzvan\u011b do m\u00ednusu. Naproti tomu revolvingov\u00e9 \u00fav\u011bry jsou zase spjaty s&nbsp;kreditn\u00edmi kartami a znamenaj\u00ed, \u017ee na kart\u011b nem\u00e1te vlastn\u00ed pen\u00edze, ale vyu\u017e\u00edv\u00e1te pen\u00edze z&nbsp;banky pr\u00e1v\u011b formou \u00fav\u011bru.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u00dav\u011br, co to je","item":"https:\/\/www.zerba.cz\/uver-co-to-je\/#breadcrumbitem"}]}]