[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.dompo.cz\/kontokorent-vyuzivame-na-kratkodobe-preklenuti-nedostatku-financi\/#Article","mainEntityOfPage":"https:\/\/www.dompo.cz\/kontokorent-vyuzivame-na-kratkodobe-preklenuti-nedostatku-financi\/","headline":"Kontokorent vyu\u017e\u00edv\u00e1me na kr\u00e1tkodob\u00e9 p\u0159eklenut\u00ed nedostatku financ\u00ed","name":"Kontokorent vyu\u017e\u00edv\u00e1me na kr\u00e1tkodob\u00e9 p\u0159eklenut\u00ed nedostatku financ\u00ed","description":"Kontokorentn\u00ed\u00a0 \u00fav\u011br, neboli kontokorent, je dopl\u0148uj\u00edc\u00ed slu\u017eba k\u00a0b\u011b\u017en\u00e9mu bankovn\u00edmu \u00fa\u010dtu. Umo\u017e\u0148uje ka\u017ed\u00e9mu majiteli tohoto \u00fa\u010dtu \u010derpat finan\u010dn\u00ed prost\u0159edky a\u017e tzv. do m\u00ednusu. Po\u010det obdob\u00ed, kdy bankovn\u00ed klient sv\u016fj \u00fa\u010det p\u0159e\u010derp\u00e1 do m\u00ednusu, nen\u00ed omezen, je mo\u017en\u00e9 tedy b\u011b\u017en\u011b vyb\u00edrat z\u00a0\u00fa\u010dtu do m\u00ednusu t\u0159eba ka\u017ed\u00fd m\u011bs\u00edc. Do jak\u00e9 v\u00fd\u0161e je mo\u017en\u00e9 kontokorent vyu\u017e\u00edt, v\u017edy banka klienta &hellip; <div class=\"link-more text-center\"><a href=\"https:\/\/www.dompo.cz\/kontokorent-vyuzivame-na-kratkodobe-preklenuti-nedostatku-financi\/\" class=\"more-link py-2 px-4\">Read More<span class=\"screen-reader-text\"> \"Kontokorent vyu\u017e\u00edv\u00e1me na kr\u00e1tkodob\u00e9 p\u0159eklenut\u00ed nedostatku financ\u00ed\"<\/span><\/a><\/div>","datePublished":"2020-09-24","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.dompo.cz\/author\/#Person","name":"","url":"https:\/\/www.dompo.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/418160ee289a2fec3674f670db35c39ff464fe73fac536520dac7def2cfdeb26?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/418160ee289a2fec3674f670db35c39ff464fe73fac536520dac7def2cfdeb26?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"dompo.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.dompo.cz\/wp-content\/uploads\/img_a308380_w2442_t1519469455.jpg","url":"https:\/\/www.dompo.cz\/wp-content\/uploads\/img_a308380_w2442_t1519469455.jpg","height":0,"width":0},"url":"https:\/\/www.dompo.cz\/kontokorent-vyuzivame-na-kratkodobe-preklenuti-nedostatku-financi\/","about":["Pen\u00edze"],"wordCount":397,"articleBody":"\tKontokorentn\u00ed\u00a0 \u00fav\u011br, neboli kontokorent, je dopl\u0148uj\u00edc\u00ed slu\u017eba k\u00a0b\u011b\u017en\u00e9mu bankovn\u00edmu \u00fa\u010dtu. Umo\u017e\u0148uje ka\u017ed\u00e9mu majiteli tohoto \u00fa\u010dtu \u010derpat finan\u010dn\u00ed prost\u0159edky a\u017e tzv. do m\u00ednusu. Po\u010det obdob\u00ed, kdy bankovn\u00ed klient sv\u016fj \u00fa\u010det p\u0159e\u010derp\u00e1 do m\u00ednusu, nen\u00ed omezen, je mo\u017en\u00e9 tedy b\u011b\u017en\u011b vyb\u00edrat z\u00a0\u00fa\u010dtu do m\u00ednusu t\u0159eba ka\u017ed\u00fd m\u011bs\u00edc. Do jak\u00e9 v\u00fd\u0161e je mo\u017en\u00e9 kontokorent vyu\u017e\u00edt, v\u017edy banka klienta informuje p\u0159edem a tato skute\u010dnost mus\u00ed b\u00fdt uvedena ve smlouv\u011b o z\u0159\u00edzen\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu.\t\tKlient se z\u00e1rove\u0148 bance zavazuje vyp\u016fj\u010den\u00e9 prost\u0159edky kontokorentem uhradit v\u00a0p\u0159edem stanoven\u00e9m term\u00ednu. V\u00a0z\u00e1sad\u011b lze \u0159\u00edci, \u017ee kontokorent je jak\u00fdsi kr\u00e1tkodob\u00fd bankovn\u00ed \u00fav\u011br, kter\u00fd je zpravidla nutn\u00e9 uhradit nejpozd\u011bji do dvan\u00e1cti m\u011bs\u00edc\u016f od jeho \u010derp\u00e1n\u00ed. Ne ka\u017ed\u00e1 banka je v\u0161ak tak benevolentn\u00ed a n\u011bkter\u00e9 banky po\u017eaduj\u00ed vyp\u016fj\u010den\u00e9 pen\u00edze splatit v\u00a0krat\u0161\u00ed lh\u016ft\u011b. B\u00fdv\u00e1 to nej\u010dast\u011bji lh\u016fta p\u016flro\u010dn\u00ed.\t\tV\u00fdhody kontokorentuTou z\u0159ejm\u011b nejpodstatn\u011bj\u0161\u00ed je zaji\u0161t\u011bn\u00ed pravideln\u00fdch plateb inkasa, pojistek a SIPO v\u00a0okam\u017eiku, kdy nen\u00ed na \u00fa\u010dtu dostatek prost\u0159edk\u016f. B\u00fdv\u00e1 to v\u00a0dob\u011b, kdy kup\u0159\u00edkladu se zam\u011bstnavatel opozdil s\u00a0v\u00fdplatou, a kdy je na \u00fa\u010dtu zaveden pevn\u00fd term\u00edn trval\u00e9ho p\u0159\u00edkazu k\u00a0\u00fahrad\u011b. V\u011bt\u0161ina klient\u016f bank si tak\u00e9 kontokorent z\u0159izuje pr\u00e1v\u011b z\u00a0tohoto d\u016fvodu. N\u011bkte\u0159\u00ed lid\u00e9 jej ov\u0161em vyu\u017e\u00edvaj\u00ed pravideln\u011b pro n\u00e1kup n\u011bjak\u00e9ho zbo\u017e\u00ed, kter\u00e9 se jim jednodu\u0161e zamlouv\u00e1, a necht\u011bj\u00ed s\u00a0jeho po\u0159\u00edzen\u00edm p\u0159\u00edli\u0161 ot\u00e1let. Kontokorent takto snadno \u0159e\u0161\u00ed b\u011b\u017en\u00e9 kr\u00e1tkodob\u00e9 p\u016fj\u010dky, kter\u00e9 by si jinak museli lid\u00e9 sjedn\u00e1vat nebankovn\u00ed cestou s\u00a0problematick\u00fdmi podm\u00ednkami a \u00faroky.\u00darokov\u00e1 sazba kontokorentu se zpravidla pohybuje v\u00a0rozmez\u00ed od 10 do 22 procent. Podnikatel\u00e9 mohou \u010dasto \u010derpat kontokorent je\u0161t\u011b v\u00fdhodn\u011bji, a to s\u00a0ni\u017e\u0161\u00edm \u00farokem a z\u00e1rove\u0148 s\u00a0vy\u0161\u0161\u00ed \u010d\u00e1stkou kontokorentu. V\u00fd\u0161e kontokorentu u fyzick\u00fdch osob, kte\u0159\u00ed\u00a0 nejsou podnikateli, se pohybuje v\u00a0\u010d\u00e1stk\u00e1ch od 5000 K\u010d do dvojn\u00e1sobku jejich \u010dist\u00e9ho m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (14 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kontokorent vyu\u017e\u00edv\u00e1me na kr\u00e1tkodob\u00e9 p\u0159eklenut\u00ed nedostatku financ\u00ed","item":"https:\/\/www.dompo.cz\/kontokorent-vyuzivame-na-kratkodobe-preklenuti-nedostatku-financi\/#breadcrumbitem"}]}]