[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.polimont.cz\/aktivni-operace-bank-strednedobe-uvery\/#Article","mainEntityOfPage":"https:\/\/www.polimont.cz\/aktivni-operace-bank-strednedobe-uvery\/","headline":"Aktivn\u00ed operace bank \u2013 st\u0159edn\u011bdob\u00e9 \u00fav\u011bry","name":"Aktivn\u00ed operace bank \u2013 st\u0159edn\u011bdob\u00e9 \u00fav\u011bry","description":"Jak v\u0161ichni dob\u0159e v\u00edme, jako ka\u017ed\u00fd, mus\u00ed i banky n\u011bjak%gutenbiz-readmore%","datePublished":"2021-09-21","dateModified":"2023-05-19","author":{"@type":"Person","@id":"https:\/\/www.polimont.cz\/author\/#Person","name":"","url":"https:\/\/www.polimont.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/33549a3bd69022b5544ec751c6f690d75868252394a5ec007d9ed3f2c30f7874?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"polimont.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.polimont.cz\/wp-content\/uploads\/eura%20pades%C3%A1tky_10_3.jpg","url":"https:\/\/www.polimont.cz\/wp-content\/uploads\/eura%20pades%C3%A1tky_10_3.jpg","height":0,"width":0},"url":"https:\/\/www.polimont.cz\/aktivni-operace-bank-strednedobe-uvery\/","about":["Finance"],"wordCount":419,"articleBody":"Jak v\u0161ichni dob\u0159e v\u00edme, jako ka\u017ed\u00fd, mus\u00ed i banky n\u011bjak profitovat, a\u0165 u\u017e za \u00fa\u010delem zisku, \u010di za \u00fa\u010delem zaji\u0161t\u011bn\u00ed dostatku likvidity pro sv\u00e9 klienty. V\u00fdnos\u016f banky dosahuj\u00ed pomoc\u00ed aktivn\u00edch bankovn\u00edch operac\u00ed, kter\u00fdmi jsou nap\u0159\u00edklad \u00fav\u011bry, a p\u0159esn\u011b o tom se dnes budeme bavit. Pod\u00edv\u00e1me se, jak\u00e9 druhy st\u0159edn\u011bdob\u00fdch \u00fav\u011br\u016f m\u016f\u017ee banka sv\u00fdm klient\u016fm poskytovat. Spot\u0159ebitelsk\u00fd \u00fav\u011brTento \u00fav\u011br vyu\u017e\u00edvaj\u00ed hlavn\u011b rodiny, \u010di jedinci, kte\u0159\u00ed si koupili byt nebo d\u016fm. Pou\u017e\u00edv\u00e1 se k\u00a0n\u00e1kupu vybaven\u00ed dom\u00e1cnosti nap\u0159\u00edklad ke koupi kuchyn\u011b, televize nebo i dopravn\u00edho prost\u0159edku. Tento druh \u00fav\u011bru d\u011bl\u00edme na dva typy, jedn\u00edm je \u201e\u00fa\u010delov\u00fd\u201c a druh\u00fdm takzvan\u011b \u201ene\u00fa\u010delov\u00fd\u201c. Jak ji\u017e z\u00a0n\u00e1zvu patrn\u011b vypl\u00fdv\u00e1, \u00fa\u010delov\u00fd \u010derp\u00e1me s\u00a0p\u0159\u00edm\u00fdm \u00fa\u010delem koupi n\u011bjak\u00e9 v\u011bci. V\u00a0praxi by to vypadalo asi tak, \u017ee byste do banky do\u0161ly s\u00a0po\u017eadavkem na spot\u0159ebitelsk\u00fd \u00fav\u011br a m\u011bli vybranou nap\u0159\u00edklad kuchy\u0148 za 200 tis\u00edc, na kterou byste pen\u00edze pot\u0159ebovali. Banka by v\u00e1m tento \u00farok poskytla s\u00a0men\u0161\u00edm \u00farokem, proto\u017ee by v\u011bd\u011bla, do \u010deho pen\u00edze investuje. Naopak, pokud byste \u010derpali \u00farok ne\u00fa\u010delov\u00fd, banka by v\u00e1m p\u0159ipo\u010d\u00edtala v\u011bt\u0161\u00ed \u00farok, jeliko\u017e pen\u00edze m\u016f\u017eete \u010derpat na cokoli a banka nem\u00e1 jistotu dobr\u00e9 investice.D\u00e1le rozd\u011blujeme, zdali si p\u016fj\u010d\u00edme od banky pen\u00edze formou hotovostn\u00ed \u010di bezhotovostn\u00ed. Jak \u00fa\u010delov\u00fd, tak ne\u00fa\u010delov\u00fd se daj\u00ed \u010derpat v\u00a0obou form\u00e1ch. Pokud si od banky p\u016fj\u010d\u00edte hotovostn\u00ed formou, \u010dasto banka tak\u00e9 chce, abyste pen\u00edze spl\u00e1cely t\u00e9\u017e v\u00a0hotovosti. Pokud si p\u016fj\u010d\u00edte bezhotovostn\u00ed formou, spl\u00e1c\u00edte formou klasick\u00e9ho p\u0159evodu z\u00a0bankovn\u00edho \u00fa\u010dtu.U spot\u0159ebitelsk\u00e9ho \u00fav\u011bru je tak\u00e9 d\u016fle\u017eit\u00e9 sledovat RPSN, neboli ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f. Tato sazba zahrnuje ve\u0161ker\u00e9 n\u00e1klady spojen\u00e9 se spl\u00e1cen\u00edm \u00fav\u011bru.Jako v\u0161echny \u00fav\u011bry, funguje ten spot\u0159ebitelsk\u00fd naprosto stejn\u011b, spl\u00e1c\u00edte pen\u00edze, kter\u00e9 jste si od banky p\u016fj\u010dily a nav\u00edc je\u0161t\u011b smluven\u00fd \u00farok, kter\u00fd m\u016f\u017ee kv\u016fli nev\u010dasn\u00e9mu spl\u00e1cen\u00ed docela masivn\u011b r\u016fst. Proto si v\u017edy d\u00e1vejte pozor, a\u0165 va\u0161e spl\u00e1tkov\u00e9 platby chod\u00ed v\u010das a pravideln\u011b.                                                                                                                                                                                                                                                                                                                                                                                        4\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Aktivn\u00ed operace bank \u2013 st\u0159edn\u011bdob\u00e9 \u00fav\u011bry","item":"https:\/\/www.polimont.cz\/aktivni-operace-bank-strednedobe-uvery\/#breadcrumbitem"}]}]