[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zbiko.cz\/s-uverem-jde-vsechno-lepe\/#Article","mainEntityOfPage":"https:\/\/www.zbiko.cz\/s-uverem-jde-vsechno-lepe\/","headline":"S \u00fav\u011brem jde v\u0161echno l\u00e9pe","name":"S \u00fav\u011brem jde v\u0161echno l\u00e9pe","description":"D\u016fle\u017eit\u00e9 je si p\u0159edem ujasnit, jakou \u010d\u00e1stku budete pot\u0159ebovat a jak\u00e9 jsou va\u0161e mo\u017enosti ohledn\u011b spl\u00e1cen\u00ed, jakou spl\u00e1tku jste m\u011bs\u00ed\u010dn\u011b schopni ze sv\u00e9ho rozpo\u010dtu ob\u011btovat a jak dlouhou dobu jste ochotni \u00fav\u011br spl\u00e1cet. Pak u\u017e…","datePublished":"2025-02-28","dateModified":"2023-04-27","author":{"@type":"Person","@id":"https:\/\/www.zbiko.cz\/author\/#Person","name":"","url":"https:\/\/www.zbiko.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zbiko.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zbiko.cz\/wp-content\/uploads\/img_a315200_w1930_t1526111471.jpg","url":"https:\/\/www.zbiko.cz\/wp-content\/uploads\/img_a315200_w1930_t1526111471.jpg","height":0,"width":0},"url":"https:\/\/www.zbiko.cz\/s-uverem-jde-vsechno-lepe\/","wordCount":394,"articleBody":" D\u016fle\u017eit\u00e9 je si p\u0159edem ujasnit, jakou \u010d\u00e1stku budete pot\u0159ebovat a jak\u00e9 jsou va\u0161e mo\u017enosti ohledn\u011b spl\u00e1cen\u00ed, jakou spl\u00e1tku jste m\u011bs\u00ed\u010dn\u011b schopni ze sv\u00e9ho rozpo\u010dtu ob\u011btovat a jak dlouhou dobu jste ochotni \u00fav\u011br spl\u00e1cet. Pak u\u017e jen sta\u010d\u00ed vybrat si ten spr\u00e1vn\u00fd  \u00fav\u011br.Kontokorent Modern\u00ed a obl\u00edben\u00fd je tzv. kontokorent, kter\u00fd se sjedn\u00e1v\u00e1 k b\u011b\u017en\u00e9mu \u00fa\u010dtu, \u010derpat ho lze pr\u016fb\u011b\u017en\u011b a poskytuje se klient\u016fm, kter\u00fdm na \u00fa\u010det chod\u00ed mzda, nemus\u00edte tedy prokazovat p\u0159\u00edjem. V\u00fdhodou tohoto typu \u00fav\u011bru je krom\u011b toho, \u017ee nen\u00ed po\u017eadov\u00e1na z\u00e1stava ani ru\u010ditel, \u017ee se opakuje, tedy po jeho splacen\u00ed ho m\u016f\u017eete op\u011bt \u010derpat, ani\u017e byste o n\u011bj museli znovu \u017e\u00e1dat. M\u00e1te tak kdykoliv k dispozici rezervu pro p\u0159\u00edpad pot\u0159eby. V p\u0159\u00edpad\u011b jeho nevyu\u017eit\u00ed se \u017e\u00e1dn\u00e9 poplatky ne\u00fa\u010dtuj\u00ed.Spot\u0159ebitelsk\u00e9 \u00fav\u011bry  Spot\u0159ebitelsk\u00e9 \u00fav\u011bry jsou poskytov\u00e1ny b\u011b\u017en\u011b bankovn\u00edmi i nebankovn\u00edmi institucemi ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f bez jak\u00e9hokoliv zaji\u0161t\u011bn\u00ed, v p\u0159\u00edpad\u011b \u017e\u00e1dosti o vy\u0161\u0161\u00ed \u010d\u00e1stku je vy\u017eadov\u00e1no prohl\u00e1\u0161en\u00ed ru\u010ditele. Tento typ p\u016fj\u010dky m\u016f\u017ee b\u00fdt poskytov\u00e1n a\u017e do \u010d\u00e1stky 500 000,- K\u010d s maxim\u00e1ln\u00ed dobou splatnosti 15 let. V\u011bt\u0161ina pen\u011b\u017en\u00edch \u00fastav\u016f umo\u017e\u0148uje odlo\u017een\u00ed spl\u00e1tek a\u017e o jeden rok. \u00darokov\u00e1 sazba je individu\u00e1ln\u00ed, z\u00e1le\u017e\u00ed na bonit\u011b \u017eadatele.\u00dav\u011br zaji\u0161t\u011bn\u00fd nemovitost\u00ed Tento druh \u00fav\u011bru je zaji\u0161\u0165ov\u00e1n z\u00e1stavn\u00edm pr\u00e1vem, kdy jako z\u00e1stava slou\u017e\u00ed nemovit\u00e1 v\u011bc. Z p\u016fj\u010den\u00fdch pen\u011bz je mo\u017en\u00e9 po\u0159\u00eddit v\u011bci do dom\u00e1cnosti, koupit motorov\u00e9 vozidlo \u010di refinancovat ji\u017e poskytnut\u00e9 \u00fav\u011bry. Poskytnut\u00e1 \u010d\u00e1stka a v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky jsou limitov\u00e1ny schopnost\u00ed spl\u00e1cen\u00ed a tak\u00e9 cenou zastavovan\u00e9 nemovitosti. Stejn\u011b jako u spot\u0159ebitelsk\u00e9ho \u00fav\u011bru i zde je splatnost do 15 let s mo\u017enost\u00ed odlo\u017een\u00ed spl\u00e1tek. \u00darokov\u00e9 sazby se v tomto p\u0159\u00edpad\u011b pohybuj\u00ed od 2,9% p.a. Pro va\u0161i konkr\u00e9tn\u00ed p\u0159edstavu m\u016f\u017eete pou\u017e\u00edt \u00fav\u011brovou kalkula\u010dku, z\u00edsk\u00e1te tak p\u0159ibli\u017en\u00fd n\u00e1stin toho, jak by mohl \u00fav\u011br vypadat.                                                                                                                                                                                                                                                                                                                                                                                                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