[{"@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\u00a0z\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}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384520_4x3_20260820_081534_3iE1WV.jpg","url":"https:\/\/www.zerba.cz\/wp-content\/uploads\/art384520_4x3_20260820_081534_3iE1WV.jpg","height":0,"width":0},"url":"https:\/\/www.zerba.cz\/uver-co-to-je\/","about":["Slovn\u00edk pojm\u016f"],"wordCount":457,"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\u00a0z\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 \u2013 \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\u00a0p\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\u00a0bance \u010di jin\u00e9 nebankovn\u00ed spole\u010dnosti, se nastavuje i doba splatnosti. K\u00a0\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\u00a0b\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\u00a0kreditn\u00edmi kartami a znamenaj\u00ed, \u017ee na kart\u011b nem\u00e1te vlastn\u00ed pen\u00edze, ale vyu\u017e\u00edv\u00e1te pen\u00edze z\u00a0banky pr\u00e1v\u011b formou \u00fav\u011bru.\t                                                                                                                                                                                                                                                                                                                                                                                                "},{"@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"}]}]