[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.starweg.cz\/kontokorent-reseni-na-necekane-vydaje\/#Article","mainEntityOfPage":"https:\/\/www.starweg.cz\/kontokorent-reseni-na-necekane-vydaje\/","headline":"Kontokorent \u2013 \u0159e\u0161en\u00ed na ne\u010dekan\u00e9 v\u00fddaje","name":"Kontokorent \u2013 \u0159e\u0161en\u00ed na ne\u010dekan\u00e9 v\u00fddaje","description":"Kontokorentn\u00ed \u00fav\u011br je ne\u00fa\u010delov\u00fd a nezaji\u0161t\u011bn\u00fd \u00fav\u011br, co\u017e znamen\u00e1, \u017ee si pen\u00edze m\u016f\u017eete p\u016fj\u010dit na cokoli, ani\u017e byste museli sd\u011blovat \u00fa\u010del p\u016fj\u010dky. Je st\u00e1le k dispozici, pen\u00edze z n\u011bj m\u016f\u017eete \u010derpat rychle, bez probl\u00e9m\u016f a opakovan\u011b. Hod\u00ed se pr\u00e1v\u011b v p\u0159\u00edpadech ne\u010dekan\u00fdch v\u00fddaj\u016f \u010di p\u0159i zpo\u017ed\u011bn\u00ed nebo v hor\u0161\u00edm p\u0159\u00edpad\u011b v\u00fdpadku p\u0159\u00edjmu. \u00daroky se p\u0159i […]","datePublished":"2019-05-09","dateModified":"2023-06-08","author":{"@type":"Person","@id":"https:\/\/www.starweg.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.starweg.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/014a645f9f16d49aceddb25e316448c724bd78e7db0ee7a34c29417d5ca39ef1?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"starweg.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.starweg.cz\/wp-content\/uploads\/img_a345011_w2288_t1558795745.jpg","url":"https:\/\/www.starweg.cz\/wp-content\/uploads\/img_a345011_w2288_t1558795745.jpg","height":0,"width":0},"url":"https:\/\/www.starweg.cz\/kontokorent-reseni-na-necekane-vydaje\/","wordCount":413,"articleBody":"Kontokorentn\u00ed \u00fav\u011br je ne\u00fa\u010delov\u00fd a nezaji\u0161t\u011bn\u00fd \u00fav\u011br, co\u017e znamen\u00e1, \u017ee si pen\u00edze m\u016f\u017eete p\u016fj\u010dit na cokoli, ani\u017e byste museli sd\u011blovat \u00fa\u010del p\u016fj\u010dky. Je st\u00e1le k dispozici, pen\u00edze z n\u011bj m\u016f\u017eete \u010derpat rychle, bez probl\u00e9m\u016f a opakovan\u011b. Hod\u00ed se pr\u00e1v\u011b v p\u0159\u00edpadech ne\u010dekan\u00fdch v\u00fddaj\u016f \u010di p\u0159i zpo\u017ed\u011bn\u00ed nebo v hor\u0161\u00edm p\u0159\u00edpad\u011b v\u00fdpadku p\u0159\u00edjmu. \u00daroky se p\u0159i tomto druhu \u00fav\u011bru plat\u00ed pouze v tu dobu, kdy je \u010derp\u00e1n, tedy pouze v dobu, kdy jste na \u00fa\u010dtu v m\u00ednusu. V\u00fd\u0161e a \u010detnost spl\u00e1tek je \u010dist\u011b na klientovi, proto\u017ee v tomto p\u0159\u00edpad\u011b nen\u00ed stanoveno datum splatnosti ani v\u00fd\u0161e spl\u00e1tky, av\u0161ak minim\u00e1ln\u011b jednou za rok se na sv\u00e9m \u00fa\u010dtu mus\u00edte dostat do plusov\u00fdch finan\u010dn\u00edch hodnot. Nev\u00fdhodou kontokorentu je to, \u017ee za jeho pohodlnost se plat\u00ed, mnohdy dost vysok\u00e1 cena. Je s n\u00edm toti\u017e spojena velmi vysok\u00e1 \u00farokov\u00e1 sazba, kter\u00e1 je a\u017e n\u011bkolikan\u00e1sobn\u011b vy\u0161\u0161\u00ed ne\u017e \u00farokov\u00e1 sazba klasick\u00fdch \u00farok\u016f. Ke kontokorentu se tak\u00e9 \u010dasto poj\u00ed dal\u0161\u00ed poplatky, kter\u00e9 m\u00e1 ka\u017ed\u00e1 banka nastaveny jinak, mnohdy se v\u0161ak li\u0161\u00ed jen podle n\u00e1zvu, ale ve sv\u00e9 podstat\u011b jsou toto\u017en\u00e9. Obvykle jsou to poplatky za veden\u00ed \u00fa\u010dtu, za p\u0159e\u010derp\u00e1n\u00ed z\u016fstatku, za pen\u011b\u017en\u00ed transakce prov\u00e1d\u011bn\u00e9 b\u011bhem u\u017e\u00edv\u00e1n\u00ed \u00fav\u011bru nebo jen poplatek za z\u0159\u00edzen\u00ed kontokorentn\u00edho \u00fav\u011bru. Ne ka\u017ed\u00fd m\u00e1 v\u0161ak na tuto p\u016fj\u010dku n\u00e1rok. Podm\u00ednkou pro jej\u00ed z\u00edsk\u00e1n\u00ed je obvykle nutnost vlastnit b\u011b\u017en\u00fd \u00fa\u010det u dan\u00e9 banky, m\u011bl v\u00edce ne\u017e osmn\u00e1ct let a p\u0159edev\u0161\u00edm m\u011bl pravideln\u00fd p\u0159\u00edjem, tud\u00ed\u017e m\u011bl z \u010deho dluh spl\u00e1cet. V\u00fdhodou n\u011bkter\u00fdch bank je to, \u017ee pokud u nich m\u00e1 klient b\u011b\u017en\u00fd \u00fa\u010det u\u017e del\u0161\u00ed dobu a nepot\u0159ebuje nastavit velk\u00fd \u00fav\u011brov\u00fd limit, necht\u011bj\u00ed po n\u011bm dolo\u017een\u00ed v\u00fd\u0161e p\u0159\u00edjm\u016f. P\u0159i dolo\u017een\u00fdch p\u0159\u00edjmech je obvykle banka ochotn\u00e1 nastavit \u00fav\u011brov\u00fd limit a\u017e do trojn\u00e1sobku m\u011bs\u00ed\u010dn\u00edho platu. U n\u011bkter\u00fdch bank mohou na kontokorentn\u00ed \u00fav\u011br dos\u00e1hnout i studenti, ale mus\u00ed m\u00edt na \u00fa\u010det i tak pravideln\u00fd p\u0159\u00edjem (minim\u00e1ln\u011b kapesn\u00e9 od rodi\u010d\u016f).                                                                                                                                                                                                                                                                                                                                                                                        3.9\/5 - (8 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kontokorent \u2013 \u0159e\u0161en\u00ed na ne\u010dekan\u00e9 v\u00fddaje","item":"https:\/\/www.starweg.cz\/kontokorent-reseni-na-necekane-vydaje\/#breadcrumbitem"}]}]