{"id":6877,"date":"2023-03-31T09:42:36","date_gmt":"2023-03-31T07:42:36","guid":{"rendered":"https:\/\/orangeacademy.cz\/clanky\/?p=6877"},"modified":"2023-03-19T09:44:16","modified_gmt":"2023-03-19T08:44:16","slug":"co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe","status":"publish","type":"post","link":"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/","title":{"rendered":"Co je to kontokorent? Jist\u00e1 rezerva v nejist\u00e9 dob\u011b"},"content":{"rendered":"<p><b>Kontokorent je \u00fav\u011br, kter\u00fd umo\u017e\u0148uje p\u016fj\u010dit si pen\u00edze prost\u0159ednictv\u00edm sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Funguje to jednodu\u0161e \u2013 v p\u0159\u00edpad\u011b, \u017ee na sv\u00e9m b\u011b\u017en\u00e9m \u00fa\u010dtu nem\u00e1te pot\u0159ebn\u00e9 finan\u010dn\u00ed prost\u0159edky, lze d\u00edky kontokorentu vybrat v\u00edce pen\u011bz, ne\u017e b\u011b\u017en\u00fd \u00fa\u010det nab\u00edz\u00ed. Bli\u017e\u0161\u00ed informace a podm\u00ednky sjedn\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu s kontokorentem nab\u00edz\u00ed dne\u0161n\u00ed \u010dl\u00e1nek.<\/b><\/p>\n<h2><span style=\"font-weight: 400;\">Jak z\u00edskat kontokorent?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">O kontokorent <strong>mus\u00edte za\u017e\u00e1dat v bance, kde m\u00e1te veden\u00fd sv\u016fj b\u011b\u017en\u00fd \u00fa\u010det.<\/strong> Banka v\u00e1\u0161 kontokorent mus\u00ed schv\u00e1lit a v z\u00e1vislosti na p\u0159\u00edjmech a v\u00fddaj\u00edch v\u00e1m tak\u00e9 ur\u010d\u00ed maxim\u00e1ln\u00ed <strong>povolen\u00fd limit p\u0159e\u010derp\u00e1n\u00ed.<\/strong> P\u0159i z\u0159izov\u00e1n\u00ed kontokorentu budete muset dokl\u00e1dat sv\u00e9 p\u0159\u00edjmy a to bu\u010f formou <\/span><span style=\"font-weight: 400;\">potvrzen\u00ed od zam\u011bstnavatele, da\u0148ov\u00fdm p\u0159izn\u00e1n\u00edm + opr\u00e1vn\u011bn\u00edm k podnik\u00e1n\u00ed, d\u016fchodov\u00fdm v\u00fdm\u011brem nebo potvrzen\u00edm o studiu. <\/span><span style=\"font-weight: 400;\">Z\u0159\u00edzen\u00ed a veden\u00ed kontokorentu je obvykle <strong>zdarma nebo za m\u011bs\u00ed\u010dn\u00ed poplatek, nej\u010dast\u011bji 25 korun.<\/strong> Kontokorent slou\u017e\u00ed k uhrazen\u00ed ne\u010dekan\u00fdch v\u00fddaj\u016f v p\u0159\u00edpad\u011b, \u017ee je do v\u00fdplaty je\u0161t\u011b daleko. V p\u0159\u00edpad\u011b takov\u00e9 pot\u0159eby se nemus\u00ed jednor\u00e1zov\u011b sh\u00e1n\u011bt p\u016fj\u010dka. Od chv\u00edle, kdy banka v\u00e1\u0161 kontokorent schv\u00e1l\u00ed, lze jej vyu\u017e\u00edvat opakovan\u011b, bez dal\u0161\u00edch \u017e\u00e1dost\u00ed. <strong><a href=\"https:\/\/orangeacademy.cz\/clanky\/rpsn-co-to-je\/\" target=\"_blank\" rel=\"noopener\">P\u016fj\u010den\u00e9 pen\u00edze<\/a> z kontokorentu se \u0159ad\u00ed mezi bez\u00fa\u010delov\u00e9 \u00fav\u011bry, je jen na v\u00e1s na co je vyu\u017eijete.<\/strong><\/span><\/p>\n<h2><span style=\"font-weight: 400;\">V\u00fdhody a nev\u00fdhody kontokorentu<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Mezi v\u00fdhody kontokorentu pat\u0159\u00ed:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Snadn\u00e9 sjedn\u00e1n\u00ed,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">pen\u00edze okam\u017eit\u011b k dispozici,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">mo\u017enost opakovan\u00fdch p\u016fj\u010dek,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">sta\u010d\u00ed o n\u011bj za\u017e\u00e1dat jednou,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">spl\u00e1tky prob\u00edhaj\u00ed automaticky p\u0159ips\u00e1n\u00edm pen\u011bz na \u00fa\u010det,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">v p\u0159\u00edpad\u011b, \u017ee slu\u017ebu nevyu\u017eijete, v\u011bt\u0161inou nic nav\u00edc neplat\u00edte.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Mezi nev\u00fdhody kontokorentu pat\u0159\u00ed:<\/span><\/p>\n<ul>\n<li><span style=\"font-weight: 400;\">Vy\u0161\u0161\u00ed \u00farok ne\u017e u jin\u00fdch p\u016fj\u010dek,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">spl\u00e1cen\u00ed neprob\u00edh\u00e1 po m\u011bs\u00ed\u010dn\u00edch spl\u00e1tk\u00e1ch, ale ihned po p\u0159ips\u00e1n\u00ed prost\u0159edk\u016f na \u00fa\u010det,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">banka m\u016f\u017ee v pr\u016fb\u011bhu trv\u00e1n\u00ed kontokorentu m\u011bnit v\u00fd\u0161i \u00farokov\u00e9 sazby,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">n\u011bkter\u00e9 banky maj\u00ed poplatek za veden\u00ed kontokorentu,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">v\u00fd\u0161i \u00fav\u011brov\u00e9ho limitu ur\u010duje banka s ohledem na va\u0161e p\u0159\u00edjmy a v\u00fddaje,<\/span><\/li>\n<li><span style=\"font-weight: 400;\">vlastn\u00edci kontokorentu mohou m\u00edt probl\u00e9m z\u00edskat b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">\u00daroky z \u010derpan\u00fdch pen\u011bz v r\u00e1mci kontokorentu<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/orangeacademy.cz\/clanky\/sporici-ucet\/\" target=\"_blank\" rel=\"noopener\">\u00darokov\u00e1 sazba<\/a> je oproti ostatn\u00edm p\u016fj\u010dk\u00e1m velmi vysok\u00e1. V z\u00e1vislosti na v\u00fdb\u011bru banky se pohybuje od 10 do 22 procent ro\u010dn\u011b. V\u011bt\u0161ina bank m\u00e1 platbu \u00farok\u016f nastavenou pouze po tu dobu, ne\u017e je b\u011b\u017en\u00fd \u00fa\u010det op\u011bt v plusu. Kontokorent se v\u0161eobecn\u011b vyplat\u00ed jako forma \u00fav\u011bru<strong> na krat\u0161\u00ed dobu, ide\u00e1ln\u011b v \u0159\u00e1du n\u011bkolika dn\u016f. V takov\u00e9m p\u0159\u00edpad\u011b, i s vysokou sazbou, se \u00faroky pohybuj\u00ed okolo p\u00e1r des\u00edtek korun.<\/strong><\/span><\/p>\n<span class='mb-center maxbutton-7-center'><span class='maxbutton-7-container mb-container'><a class=\"maxbutton-7 maxbutton maxbutton-kurz-ucetnictvi\" target=\"_blank\" title=\"Kurz \u00fa\u010detnictv\u00ed\" rel=\"noopener\" href=\"https:\/\/orangeacademy.cz\/kurzy-ucetnictvi\"><span class='mb-text'>Studujte kurz \u00fa\u010detnictv\u00ed<\/span><\/a><\/span><\/span>\n<h2><span style=\"font-weight: 400;\">Podm\u00ednky pro spl\u00e1cen\u00ed kontokorentu<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">V\u011bt\u0161ina bank nem\u00e1 term\u00edn ani velikost spl\u00e1tky stanoven. Kontokorent se b\u011b\u017en\u011b spl\u00e1c\u00ed s\u00e1m a to p\u0159ips\u00e1n\u00edm <strong>jak\u00fdchkoliv finan\u010dn\u00edch prost\u0159edk\u016f na \u00fa\u010det.<\/strong> Podm\u00ednkou v\u011bt\u0161iny bank v\u0161ak je, aby byl rozd\u00edl mezi finan\u010dn\u00edmi prost\u0159edky a kontokorentem dorovn\u00e1n alespo\u0148 jednou za \u0161est m\u011bs\u00edc\u016f, n\u011bkde se lze setkat i s variantou jednou za rok.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Alternativa kontokorentu \u2013 odlo\u017een\u00e1 platba<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">V dne\u0161n\u00ed dob\u011b n\u00e1kup\u016f na internetu je jednou z mo\u017enost\u00ed, jak si poradit s nedostatkem pen\u011bz na b\u011b\u017en\u00e9m \u00fa\u010dtu odlo\u017een\u00e1 platba. Slu\u017eba funguje tak, \u017ee umo\u017e\u0148uje rychl\u00fd n\u00e1kup bez okam\u017eit\u00e9ho zaplacen\u00ed. <strong>Na platbu m\u00e1te zpravidla 14 dn\u00ed.<\/strong> N\u00e1kup nemus\u00edte odkl\u00e1dat a \u010dekat, a\u017e doraz\u00ed v\u00fdplata. Za slu\u017ebu se neplat\u00ed a v p\u0159\u00edpad\u011b v\u010dasn\u00e9 platby nestoj\u00ed nic nav\u00edc.<\/span><\/p>\n<div id=\"attachment_6879\" style=\"width: 940px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-6879\" class=\"wp-image-6879 size-large\" src=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/02\/AdobeStock_185473447-930x620.jpeg\" alt=\"kontokorent\" width=\"930\" height=\"620\" \/><p id=\"caption-attachment-6879\" class=\"wp-caption-text\">P\u0159i z\u0159izov\u00e1n\u00ed kontokorentu budete muset dokl\u00e1dat sv\u00e9 p\u0159\u00edjmy, kter\u00e9 slou\u017e\u00ed k ur\u010den\u00ed limitu.<\/p><\/div>\n<h2><span style=\"font-weight: 400;\">Zru\u0161en\u00ed kontokorentu\u00a0<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Stejn\u011b jako jeho zalo\u017een\u00ed, tak i zru\u0161en\u00ed kontokorentu lze vy\u0159\u00eddit snadno. S vypln\u011bn\u00fdm formul\u00e1\u0159em doraz\u00edte na pobo\u010dku banky, nebo za\u0161lete ke schv\u00e1len\u00ed. Jedinou a pochopitelnou podm\u00ednkou pro zru\u0161en\u00ed je jeho splacen\u00ed. P\u0159ed samotn\u00fdm sjedn\u00e1n\u00edm, je v\u0161ak d\u016fle\u017eit\u00e9 si podm\u00ednky zru\u0161en\u00ed zkontrolovat. N\u011bkter\u00e9 banky si za zru\u0161en\u00ed <strong>mohou \u00fa\u010dtovat poplatky.<\/strong><\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Z\u00e1v\u011br<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">V p\u0159\u00edpad\u011b, \u017ee m\u00e1te stabiln\u00ed <a href=\"https:\/\/orangeacademy.cz\/clanky\/minimalni-mzda\/\" target=\"_blank\" rel=\"noopener\">m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem,<\/a> ale ob\u00e1v\u00e1te se, \u017ee by mohly p\u0159ij\u00edt ne\u010dekan\u00e9 v\u00fddaje, je kontokorent ide\u00e1ln\u00ed volba. Kontokorent p\u0159in\u00e1\u0161\u00ed okam\u017eitou finan\u010dn\u00ed rezervu, tak aby jste se <strong>nedostali do finan\u010dn\u00ed t\u00edsn\u011b<\/strong> a u\u0161et\u0159ili si zbyte\u010dn\u00e9 <strong>starosti s vy\u0159izov\u00e1n\u00edm p\u016fj\u010dky.<\/strong> Pen\u00edze m\u016f\u017eete pou\u017e\u00edt kdykoliv a na cokoliv a s dal\u0161\u00ed v\u00fdplatou sv\u016fj dluh jednodu\u0161e splat\u00edte. <\/span><span style=\"font-weight: 400;\">V p\u0159\u00edpad\u011b, \u017ee v\u0161ak finance pot\u0159ebujete na del\u0161\u00ed \u010dasov\u00e9 obdob\u00ed, je kontokorent kv\u016fli vysok\u00fdm \u00farok\u016fm velmi nev\u00fdhodn\u00fd.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kontokorent je \u00fav\u011br, kter\u00fd umo\u017e\u0148uje p\u016fj\u010dit si pen\u00edze prost\u0159ednictv\u00edm sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Funguje to jednodu\u0161e \u2013 v p\u0159\u00edpad\u011b, \u017ee na sv\u00e9m b\u011b\u017en\u00e9m \u00fa\u010dtu nem\u00e1te pot\u0159ebn\u00e9 finan\u010dn\u00ed prost\u0159edky, lze d\u00edky kontokorentu vybrat v\u00edce pen\u011bz, ne\u017e b\u011b\u017en\u00fd \u00fa\u010det nab\u00edz\u00ed. Bli\u017e\u0161\u00ed informace a podm\u00ednky sjedn\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu s kontokorentem nab\u00edz\u00ed dne\u0161n\u00ed \u010dl\u00e1nek. Jak z\u00edskat kontokorent? O kontokorent mus\u00edte [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":6878,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[1],"tags":[310,147,17],"class_list":["post-6877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazeno","tag-penize","tag-tipy","tag-ucetnictvi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Co je to kontokorent? Jist\u00e1 rezerva v nejist\u00e9 dob\u011b<\/title>\n<meta name=\"description\" content=\"Kontokorent je \u00fav\u011br, kter\u00fd umo\u017e\u0148uje p\u016fj\u010dit si pen\u00edze prost\u0159ednictv\u00edm sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Jak z\u00edskat kontokorent?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Co je to kontokorent? Jist\u00e1 rezerva v nejist\u00e9 dob\u011b\" \/>\n<meta property=\"og:description\" content=\"Kontokorent je \u00fav\u011br, kter\u00fd umo\u017e\u0148uje p\u016fj\u010dit si pen\u00edze prost\u0159ednictv\u00edm sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Jak z\u00edskat kontokorent?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Orange Academy\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/OrangeAcademy.sro\" \/>\n<meta property=\"article:published_time\" content=\"2023-03-31T07:42:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/02\/AdobeStock_319784415-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tereza Mal\u00edkov\u00e1\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tereza Mal\u00edkov\u00e1\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minuty\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Co je to kontokorent? Jist\u00e1 rezerva v nejist\u00e9 dob\u011b","description":"Kontokorent je \u00fav\u011br, kter\u00fd umo\u017e\u0148uje p\u016fj\u010dit si pen\u00edze prost\u0159ednictv\u00edm sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Jak z\u00edskat kontokorent?","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/","og_locale":"cs_CZ","og_type":"article","og_title":"Co je to kontokorent? Jist\u00e1 rezerva v nejist\u00e9 dob\u011b","og_description":"Kontokorent je \u00fav\u011br, kter\u00fd umo\u017e\u0148uje p\u016fj\u010dit si pen\u00edze prost\u0159ednictv\u00edm sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. Jak z\u00edskat kontokorent?","og_url":"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/","og_site_name":"Blog Orange Academy","article_publisher":"https:\/\/www.facebook.com\/OrangeAcademy.sro","article_published_time":"2023-03-31T07:42:36+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/02\/AdobeStock_319784415-scaled.jpeg","type":"image\/jpeg"}],"author":"Tereza Mal\u00edkov\u00e1","twitter_card":"summary_large_image","twitter_misc":{"Napsal(a)":"Tereza Mal\u00edkov\u00e1","Odhadovan\u00e1 doba \u010dten\u00ed":"4 minuty"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/#article","isPartOf":{"@id":"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/"},"author":{"name":"Tereza Mal\u00edkov\u00e1","@id":"https:\/\/orangeacademy.cz\/clanky\/#\/schema\/person\/4ffd8469465f64a0746bdedcf094510e"},"headline":"Co je to kontokorent? 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Jist\u00e1 rezerva v nejist\u00e9 dob\u011b","isPartOf":{"@id":"https:\/\/orangeacademy.cz\/clanky\/#website"},"primaryImageOfPage":{"@id":"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/#primaryimage"},"image":{"@id":"https:\/\/orangeacademy.cz\/clanky\/co-je-to-kontokorent-jista-rezerva-v-nejiste-dobe\/#primaryimage"},"thumbnailUrl":"https:\/\/orangeacademy.cz\/clanky\/wp-content\/uploads\/2023\/02\/AdobeStock_319784415-scaled.jpeg","datePublished":"2023-03-31T07:42:36+00:00","author":{"@id":"https:\/\/orangeacademy.cz\/clanky\/#\/schema\/person\/4ffd8469465f64a0746bdedcf094510e"},"description":"Kontokorent je \u00fav\u011br, kter\u00fd umo\u017e\u0148uje p\u016fj\u010dit si pen\u00edze prost\u0159ednictv\u00edm sv\u00e9ho b\u011b\u017en\u00e9ho \u00fa\u010dtu. 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