[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.moneyworld.cz\/kontokorent-pojistka-pro-vsechny-pripady\/#Article","mainEntityOfPage":"https:\/\/www.moneyworld.cz\/kontokorent-pojistka-pro-vsechny-pripady\/","headline":"Kontokorent \u2013 pojistka pro v\u0161echny p\u0159\u00edpady","name":"Kontokorent \u2013 pojistka pro v\u0161echny p\u0159\u00edpady","description":"V dne\u0161n\u00ed dob\u011b nab\u00edzej\u00ed bankovn\u00ed i nebankovn\u00ed poskytovatel\u00e9 finan\u010dn\u00edch produkt\u016f mnoho druh\u016f r\u016fzn\u00fdch p\u016fj\u010dek. Tak trochu zvl\u00e1\u0161tn\u00edm druhem p\u016fj\u010dky je takzvan\u00fd kontokorent. Jedn\u00e1 se o dopln\u011bk b\u011b\u017en\u00e9ho \u00fa\u010dtu, kter\u00fd umo\u017en\u00ed \u010derpat pen\u00edze i v p\u0159\u00edpad\u011b, \u017ee na \u00fa\u010dtu nen\u00ed dostate\u010dn\u00e1 hotovost. Jedn\u00e1 se o st\u00e1lou slu\u017ebu, d\u00edky kter\u00e9 se v podstat\u011b nem\u016f\u017ee st\u00e1t, \u017ee by n\u011bkter\u00e1 pravideln\u00e1 m\u011bs\u00ed\u010dn\u00ed […]","datePublished":"2020-09-18","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.moneyworld.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.moneyworld.cz\/author\/devene\/","identifier":2,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f17e51fc588a8d58b22312b5abcc2141?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"moneyworld.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneyworld.cz\/wp-content\/uploads\/img_a387377_w4463_t1601545577.jpg","url":"https:\/\/moneyworld.cz\/wp-content\/uploads\/img_a387377_w4463_t1601545577.jpg","height":"","width":""},"url":"https:\/\/www.moneyworld.cz\/kontokorent-pojistka-pro-vsechny-pripady\/","about":["P\u016fj\u010dky"],"wordCount":442,"articleBody":"V dne\u0161n\u00ed dob\u011b nab\u00edzej\u00ed bankovn\u00ed i nebankovn\u00ed poskytovatel\u00e9 finan\u010dn\u00edch produkt\u016f mnoho druh\u016f r\u016fzn\u00fdch p\u016fj\u010dek. Tak trochu zvl\u00e1\u0161tn\u00edm druhem p\u016fj\u010dky je takzvan\u00fd kontokorent. Jedn\u00e1 se o dopln\u011bk b\u011b\u017en\u00e9ho \u00fa\u010dtu, kter\u00fd umo\u017en\u00ed \u010derpat pen\u00edze i v p\u0159\u00edpad\u011b, \u017ee na \u00fa\u010dtu nen\u00ed dostate\u010dn\u00e1 hotovost.\t\tJedn\u00e1 se o st\u00e1lou slu\u017ebu, d\u00edky kter\u00e9 se v podstat\u011b nem\u016f\u017ee st\u00e1t, \u017ee by n\u011bkter\u00e1 pravideln\u00e1 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka nebyla uhrazena.\t\tKontokorent umo\u017en\u00ed tedy „j\u00edt do m\u00ednusu“.Limit, do kter\u00e9ho m\u016f\u017eete j\u00edt, je vypo\u010d\u00edt\u00e1n ka\u017ed\u00e9mu klientovi p\u0159esn\u011b na m\u00edru jeho mo\u017enostem.Je logick\u00e9, \u017ee svou roli tu bude hr\u00e1t n\u011bkolik faktor\u016f.\t\tPoskytovatel kontokorentn\u00edho \u00fav\u011bru bude p\u0159edev\u0161\u00edm zji\u0161\u0165ovat\t\t\t\tplatebn\u00ed minulost klienta\t\t\t\tschopnost spl\u00e1cet (bonita)\t\t\t\taktu\u00e1ln\u00ed v\u00fd\u0161i p\u0159\u00edjm\u016f.V\u00fdhodou tohoto druhu „p\u016fj\u010dky“ je tak\u00e9 to, \u017ee se dlu\u017en\u00e1 \u010d\u00e1stka \u00faro\u010d\u00ed pouze v dob\u011b, kdy ji \u010derp\u00e1te.V obdob\u00ed, kdy je klient „v plusu“, nic nav\u00edc neplat\u00ed. \u00darok tedy m\u016f\u017eete platit nap\u0159\u00edklad jen t\u00fdden nebo n\u011bkolik dn\u016f v roce. Podm\u00ednkou pro mo\u017enost vyu\u017e\u00edv\u00e1n\u00ed kontokorentu je p\u0159edev\u0161\u00edm nutnost poskytovateli sv\u016fj z\u00e1vazek ve sjednan\u00e9m term\u00ednu splatit. Lh\u016fty pro spl\u00e1cen\u00ed jsou r\u016fzn\u00e9. N\u011bkter\u00e9 finan\u010dn\u00ed instituce vy\u017eaduj\u00ed splacen\u00ed do p\u016fl roku a u n\u011bkter\u00fdch sta\u010d\u00ed do jednoho roku.\tDruhy kontokorentuS kontokorentn\u00edm \u00fav\u011brem se m\u016f\u017eete setkat ve dvou mo\u017en\u00fdch podob\u00e1ch\t\tzaji\u0161t\u011bn\u00fd debet– tento zp\u016fsob je nejb\u011b\u017en\u011bj\u0161\u00ed a jedn\u00e1 se o ru\u010den\u00ed term\u00ednovan\u00fdm vkladem ve v\u00fd\u0161i \u00fav\u011brov\u00e9ho r\u00e1mce (m\u016f\u017ee b\u00fdt i vy\u0161\u0161\u00ed).\t\tnezaji\u0161t\u011bn\u00fd debet– jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1, tento kontokorentn\u00ed \u00fav\u011br nevy\u017eaduje \u017e\u00e1dn\u00e9 ji\u0161t\u011bn\u00ed. Ne v\u0161echny instituce ale takovou mo\u017enost poskytuj\u00ed.\t\u00dav\u011brov\u00fd r\u00e1mecUr\u010duje maxim\u00e1ln\u00ed v\u00fd\u0161i \u00fav\u011bru, kterou lze u konkr\u00e9tn\u00ed banky \u010derpat. Jedn\u00e1 se tedy o limit, kter\u00fd je v\u00fdsledkem dohody mezi klientem a poskytovatelem. Tento limit lze ale pr\u016fb\u011b\u017en\u011b m\u011bnit sm\u011brem dol\u016f i nahoru. Z\u00e1le\u017e\u00ed v\u017edy na oboustrann\u00e9 dohod\u011b.                                                                                                                                                                                                                                                                                                                                                                                                                                                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