[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.bielmeier.cz\/nedostatek-financi-vyresi-kontokorent\/#Article","mainEntityOfPage":"https:\/\/www.bielmeier.cz\/nedostatek-financi-vyresi-kontokorent\/","headline":"Nedostatek financ\u00ed \u201evy\u0159e\u0161\u00ed\u201c kontokorent","name":"Nedostatek financ\u00ed \u201evy\u0159e\u0161\u00ed\u201c kontokorent","description":"Pen\u00edze pot\u0159ebuje k \u017eivotu ka\u017ed\u00fd \u010dlov\u011bk na zemi. Je pravda, \u017ee n\u011bkte\u0159\u00ed \u017eij\u00ed i bez nich, ale ten \u017eivot nestoj\u00ed za nic. Mo\u017en\u00e1 by tito lid\u00e9 ocenili jednu slu\u017ebu, kter\u00e1 je velice vyu\u017e\u00edv\u00e1na a v z\u00e1sad\u011b by jim m\u011bla pomoci s nedostatkem pen\u011bz. Jen\u017ee nic nen\u00ed zadarmo a v\u0161echno m\u00e1 svoje podm\u00ednky. Slu\u017eba se jmenuje...","datePublished":"2018-08-12","dateModified":"2023-05-02","author":{"@type":"Person","@id":"https:\/\/www.bielmeier.cz\/author\/#Person","name":"","url":"https:\/\/www.bielmeier.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/1ea551d08e5aaea35ec0edab8371d7eaf798177f38aa8a77e65ff33bf2d8edc8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1ea551d08e5aaea35ec0edab8371d7eaf798177f38aa8a77e65ff33bf2d8edc8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"bielmeier.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.bielmeier.cz\/wp-content\/uploads\/img_a322843_w2403_t1534620058.png","url":"https:\/\/www.bielmeier.cz\/wp-content\/uploads\/img_a322843_w2403_t1534620058.png","height":0,"width":0},"url":"https:\/\/www.bielmeier.cz\/nedostatek-financi-vyresi-kontokorent\/","wordCount":585,"articleBody":"Pen\u00edze pot\u0159ebuje k \u017eivotu ka\u017ed\u00fd \u010dlov\u011bk na zemi. Je pravda, \u017ee n\u011bkte\u0159\u00ed \u017eij\u00ed i bez nich, ale ten \u017eivot nestoj\u00ed za nic. Mo\u017en\u00e1 by tito lid\u00e9 ocenili jednu slu\u017ebu, kter\u00e1 je velice vyu\u017e\u00edv\u00e1na a v z\u00e1sad\u011b by jim m\u011bla pomoci s nedostatkem pen\u011bz. Jen\u017ee nic nen\u00ed zadarmo a v\u0161echno m\u00e1 svoje podm\u00ednky. Slu\u017eba se jmenuje kontokorent. Ofici\u00e1ln\u00ed n\u00e1zev je kontokorentn\u00ed \u00fav\u011br, z \u010deho\u017e u\u017e je jasn\u00e9, \u017ee ty pen\u00edze jsou V\u00e1m p\u016fj\u010deny. Kontokorent je poskytov\u00e1n bankovn\u00edmi domy a m\u016f\u017ee b\u00fdt sjedn\u00e1n jako sou\u010d\u00e1st b\u011b\u017en\u00e9ho \u00fa\u010dtu. V praxi to znamen\u00e1, \u017ee m\u016f\u017eete \u010derpat pen\u00edze ze sv\u00e9ho \u00fa\u010dtu i v p\u0159\u00edpad\u011b, kdy na n\u011bm nem\u00e1te dostatek pen\u011bz, \u010di-li jdete do minusu. Ka\u017ed\u00e1 banka m\u00e1 odli\u0161n\u00e9 podm\u00ednky sjedn\u00e1n\u00ed a limity poskytov\u00e1n\u00ed. Nap\u0159\u00edklad u Air bank za ka\u017ed\u00fdch 1 000 K\u010d, kter\u00fdmi klesnete do minusu, zaplat\u00edte 0,52 K\u010d za den. Li\u0161\u00ed se tak\u00e9 \u00farokov\u00e9 sazby. Oproti norm\u00e1ln\u00edm p\u016fj\u010dk\u00e1m jsou docela vysok\u00e9, t\u00edm p\u00e1dem nen\u00ed kontokorent nic levn\u00e9ho. M\u016f\u017ee se tak\u00e9 st\u00e1t, \u017ee ho V\u00e1m bude banka \u00faro\u010dit m\u011bs\u00ed\u010dn\u011b, tak\u017ee p\u0159i p\u016fj\u010dce del\u0161\u00ed ne\u017e m\u011bs\u00edc zaplat\u00edte i \u00faroky z \u00farok\u016f. Jen pro p\u0159edstavu: \u010cesk\u00e1 spo\u0159itelna m\u00e1 limit 1 000 \u2013 100 000 K\u010d a ro\u010dn\u00ed \u00farok 18,9 %. Pokud bych si m\u011bla vybrat jeden z kontokorent\u016f, kter\u00e9 nab\u00edz\u00ed na\u0161e banky, nejsp\u00ed\u0161 bych zvolila (krom\u011b svoj\u00ed banky Air bank) mBank. Jejich limit je 5 \u2013 300 000 a ro\u010dn\u00ed \u00farok za\u010d\u00edn\u00e1 na 12,9 %. Jist\u011b je v\u00fdhodou to, \u017ee pen\u00edze m\u00e1te neust\u00e1le k dispozici, nemus\u00edte o n\u011b poka\u017ed\u00e9 \u017e\u00e1dat, vypisovat stohy pap\u00edr\u016f. Jen\u017ee jsou tu tak\u00e9 n\u011bjak\u00e9 nev\u00fdhody. Pomoc\u00ed t\u00e9to slu\u017eby se daj\u00ed \u0159e\u0161it pouze kr\u00e1tkodob\u00e9 situace, proto\u017ee banka po V\u00e1s bude cht\u00edt pen\u00edze vr\u00e1tit zp\u011bt, v\u011bt\u0161inou do roka. To znamen\u00e1, \u017ee se mus\u00edte jeden den v tom roce dostat do plusu a pen\u00edze si nep\u016fj\u010dit. Pokud to nespln\u00edte, m\u016f\u017eete m\u00edt kv\u016fli p\u00e1r tis\u00edc\u016fm korun velk\u00e9 probl\u00e9my nap\u0159\u00edklad s exekucemi. Dal\u0161\u00ed nev\u00fdhodou je limit. Nelze ho p\u0159e\u010derpat, nem\u016f\u017eete si tak p\u016fj\u010dit v\u00edc, i kdybyste to zrovna velmi pot\u0159ebovali. Posledn\u00ed nev\u00fdhodu jsou vysok\u00e9 \u00faroky, o kter\u00fdch jsem psala v\u00fd\u0161e. Nav\u00edc je to, podle m\u011b, velk\u00e9 l\u00e1kadlo pro lidi, kte\u0159\u00ed r\u00e1di nakupuj\u00ed, lidov\u011b \u0159e\u010deno neudr\u017e\u00ed korunu. Po \u010dase najednou zjist\u00ed, \u017ee u\u017e jsou vlastn\u011b \u00fapln\u011b na dn\u011b. V souvislosti pr\u00e1v\u011b s nev\u00fdhodami kontokorentu jsem narazila na p\u0159\u00edb\u011bh z minul\u00e9ho roku jedn\u00e9 pan\u00ed podnikatelky, kter\u00e1 se dostala do tzv. za\u010darovan\u00e9ho kruhu. Vy\u010derpala sv\u016fj limit a neda\u0159ilo se j\u00ed ho dorovnat. Poka\u017ed\u00e9, kdy\u017e se bl\u00ed\u017eil datum splacen\u00ed, musela si p\u016fj\u010dit od d\u011bt\u00ed, pot\u00e9 pen\u00edze zase vybrala, aby je d\u011btem vr\u00e1tila. Mysl\u00edm, \u017ee ani nen\u00ed jedin\u00e1, komu se toto stalo, \u010dlov\u011bk do toho spadne, ani nev\u00ed jak. Ne\u0159\u00edk\u00e1m, \u017ee to nen\u00ed dobr\u00e1 v\u011bc, ale tak jako u ostatn\u00edch v\u011bc\u00ed v \u017eivot\u011b plat\u00ed pravidlo: \u201eV\u0161eho s m\u00edrou.\u201c                                                                                                                                                                                                                                                                                                                                                                                        4.6\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Nedostatek financ\u00ed \u201evy\u0159e\u0161\u00ed\u201c kontokorent","item":"https:\/\/www.bielmeier.cz\/nedostatek-financi-vyresi-kontokorent\/#breadcrumbitem"}]}]