[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.piksla.cz\/pujcka-neboli-uver\/#Article","mainEntityOfPage":"https:\/\/www.piksla.cz\/pujcka-neboli-uver\/","headline":"P\u016fj\u010dka neboli \u00fav\u011br","name":"P\u016fj\u010dka neboli \u00fav\u011br","description":"V sou\u010dasnoti si v \u010cesk\u00e9 republice m\u016f\u017eeme vyb\u00edrat ze dvou typ\u016f \u00fav\u011br\u016f: Bankovn\u00ed \u00fav\u011bry \u2013 tyto \u00fav\u011bry poskytuj\u00ed bankovn\u00ed instituce. Nad t\u011bmito \u00fav\u011bry dohl\u00ed\u017e\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Z\u00edskat bankovn\u00ed \u00fav\u011br je pro b\u011b\u017en\u00e9ho ob\u010dana pon\u011bkud slo\u017eit\u011bj\u0161\u00ed. Banky maj\u00ed v\u011bt\u0161\u00ed po\u017eadavky na sv\u00e9ho klienta co se t\u00fd\u010de jeho zaji\u0161t\u011bn\u00ed a tedy schopnosti \u0159\u00e1dn\u011b spl\u00e1cet. Bankovn\u00ed \u00fav\u011bry...
\u010c\u00edst d\u00e1le<\/a><\/div>","datePublished":"2025-02-24","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.piksla.cz\/author\/#Person","name":"piksla.cz\n","url":"https:\/\/www.piksla.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/42264ea8f5170010011c6bbf811aa6c31c20ad3acf2a9bd21dca0746ea8c832a?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"piksla.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.piksla.cz\/wp-content\/uploads\/img_a308848_w1979_t1519850340.jpg","url":"https:\/\/www.piksla.cz\/wp-content\/uploads\/img_a308848_w1979_t1519850340.jpg","height":0,"width":0},"url":"https:\/\/www.piksla.cz\/pujcka-neboli-uver\/","about":["Ekonomika"],"wordCount":472,"articleBody":" V sou\u010dasnoti si v \u010cesk\u00e9 republice m\u016f\u017eeme vyb\u00edrat ze dvou typ\u016f \u00fav\u011br\u016f: Bankovn\u00ed \u00fav\u011bry \u2013 tyto \u00fav\u011bry poskytuj\u00ed bankovn\u00ed instituce. Nad t\u011bmito \u00fav\u011bry dohl\u00ed\u017e\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka. Z\u00edskat bankovn\u00ed \u00fav\u011br je pro b\u011b\u017en\u00e9ho ob\u010dana pon\u011bkud slo\u017eit\u011bj\u0161\u00ed. Banky maj\u00ed v\u011bt\u0161\u00ed po\u017eadavky na sv\u00e9ho klienta co se t\u00fd\u010de jeho zaji\u0161t\u011bn\u00ed a tedy schopnosti \u0159\u00e1dn\u011b spl\u00e1cet. Bankovn\u00ed \u00fav\u011bry jsou, ale pro klienta v\u00fdhodn\u011bj\u0161\u00ed d\u00edky sv\u00e9 v\u00fdhodn\u011bj\u0161\u00ed \u00farokov\u00e9 sazb\u011b. Nebankovn\u00ed \u00fav\u011bry \u2013 tyto \u00fav\u011bry se daj\u00ed z\u00edskat od nejr\u016fzn\u011bj\u0161\u00edch spole\u010dnost\u00ed nebo od fyzick\u00e9 \u010di pr\u00e1vnick\u00e9 osoby. Nad t\u011bmito \u00fav\u011bry dohl\u00ed\u017e\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed inspekce. Z\u00edskat takov\u00fd \u00fav\u011br nen\u00ed pro klienta velmi obt\u00ed\u017en\u00e9, tyto spole\u010dnosti si nekladou p\u0159\u00edli\u0161 vysok\u00e9 n\u00e1roky na klientovu bonitu. Men\u0161\u00ed p\u016fj\u010dky je mo\u017en\u00e9 realizovat bez ru\u010ditele a ov\u011b\u0159en\u00ed p\u0159\u00edjmu. Nev\u00fdhodou t\u011bchto \u00fav\u011br\u016f je vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba a po\u017eadavek v\u010dasn\u00e9ho spl\u00e1cen\u00ed \u00fav\u011bru. Druhy \u00fav\u011br\u016f: \u00b7 Spot\u0159ebitelsk\u00fd \u00fav\u011br \u2013 u tohoto typu uv\u011bru m\u016f\u017ee a nemus\u00ed b\u00fdt ru\u010den\u00ed, je ur\u010den\u00fd pro n\u00e1kup zbo\u017e\u00ed, automobilu, nemovitosti atd. \u00b7 Hypote\u010dn\u00ed \u00fav\u011br \u2013 tzv. hypot\u00e9ka, v\u017edy se u\u017e\u00edv\u00e1 z\u00e1stavn\u00ed pr\u00e1vo k nemovitosti, pro tyto \u00fa\u010dely se m\u016f\u017ee u\u017e\u00edt financovan\u00e1 nemovitost. Existuj\u00ed dva druhy hypote\u010dn\u00edch \u00fav\u011br\u016f 1. \u00da\u010delov\u00e1 hypot\u00e9ka \u2013 investice do nemovitosti 2. Ne\u00fa\u010delov\u00e1 hypot\u00e9ka \u2013 ne\u00fa\u010delov\u00fd \u00fav\u011br \u00b7 Eskontn\u00ed \u00fav\u011br \u2013 u\u017e\u00edv\u00e1 se ke kr\u00e1tkodob\u00fdm \u00fav\u011br\u016fm pro financov\u00e1n\u00ed pot\u0159eb podniku \u00b7 Investi\u010dn\u00ed \u00fav\u011br \u2013 \u00fav\u011br ur\u010den\u00fd pro financov\u00e1n\u00ed investic na z\u00e1klad\u011b investi\u010dn\u00edho z\u00e1m\u011bru \u00b7 Provozn\u00ed \u00fav\u011br – \u00fav\u011br pro pr\u016fb\u011b\u017en\u00e9 a opakovan\u00e9 \u010derp\u00e1n\u00ed klientem, do v\u00fd\u0161e p\u0159edem dohodnut\u00e9ho limitu. Klient pravideln\u011b spl\u00e1c\u00ed tento kr\u00e1tkodob\u00fd \u00fav\u011br. \u00b7 Kontokorentn\u00ed \u00fav\u011br \u2013 neboli kontokorent umo\u017e\u0148uje klientovi \u010derpat ze sv\u00e9ho \u00fa\u010dtu pen\u00edze, a\u010dkoli na \u00fa\u010dtu ji\u017e sv\u00e9 pen\u00edze nem\u00e1. Tato slu\u017eba se sjedn\u00e1v\u00e1 k b\u011b\u017en\u00e9mu \u00fa\u010dtu. P\u0159edem je sjednan\u00e1 v\u00fd\u0161e kontokerntu tedy limit do, kter\u00e9ho lze pen\u00edze vyb\u00edrat. Banka si za tuto slu\u017ebu \u00fa\u010dtuje poplatek i \u00farok. A\u0165 u\u017e si vyberete jak\u00fdkoli typ \u00fav\u011bru, je t\u0159eba po\u010d\u00edtat s \u00faroky a RPSN (ro\u010dn\u00ed procentn\u00ed sazba n\u00e1klad\u016f). U n\u011bkter\u00fdch \u00fav\u011br\u016f je t\u0159eba zaji\u0161t\u011bn\u00ed a banky si mohou ov\u011b\u0159ovat bonitu sv\u00e9ho klienta. P\u0159edem je dobr\u00e9 si v\u0161e \u0159\u00e1dn\u011b promyslet a probrat r\u016fzn\u00e9 varianty nejen s rodinou, ale i s bankovn\u00edm poradcem. 4.4\/5 - (7 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"P\u016fj\u010dka neboli \u00fav\u011br","item":"https:\/\/www.piksla.cz\/pujcka-neboli-uver\/#breadcrumbitem"}]}]