[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.vlds.cz\/bankovnictvi-uverove-sluzby\/#Article","mainEntityOfPage":"https:\/\/www.vlds.cz\/bankovnictvi-uverove-sluzby\/","headline":"Bankovnictv\u00ed- \u00fav\u011brov\u00e9 slu\u017eby","name":"Bankovnictv\u00ed- \u00fav\u011brov\u00e9 slu\u017eby","description":"\u00dav\u011brov\u00e1 \u010dinnost=aktivn\u00ed \u010dinnost banky, p\u0159in\u00e1\u0161\u00ed v\u00fdnosy ve form\u011b \u00farok\u016f, banka je v\u00a0pozici v\u011b\u0159itele.\u00dav\u011br=n\u00e1vratn\u00e1 p\u016fj\u010dka, jej\u00ed\u017e cenou je \u00farok. Krit\u00e9ria, podle kter\u00fdch si banka vyb\u00edr\u00e1 sv\u00e9 klienty bezpe\u010dnost \u2013 klient\u016fm, kte\u0159\u00ed jsou schopni a ochotni spl\u00e1cet, minimalizovat rizikolikvidita \u2013 banka mus\u00ed […]","datePublished":"2025-03-03","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.vlds.cz\/author\/#Person","name":"","url":"https:\/\/www.vlds.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4a857923b487546550539169ba61d16e7910c692fb61fb4681a6882b9bc918c0?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4a857923b487546550539169ba61d16e7910c692fb61fb4681a6882b9bc918c0?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"vlds.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.vlds.cz\/wp-content\/uploads\/img_a319468_w2233_t1530515294.jpg","url":"https:\/\/www.vlds.cz\/wp-content\/uploads\/img_a319468_w2233_t1530515294.jpg","height":0,"width":0},"url":"https:\/\/www.vlds.cz\/bankovnictvi-uverove-sluzby\/","wordCount":529,"articleBody":"\u00dav\u011brov\u00e1 \u010dinnost=aktivn\u00ed \u010dinnost banky, p\u0159in\u00e1\u0161\u00ed v\u00fdnosy ve form\u011b \u00farok\u016f, banka je v\u00a0pozici v\u011b\u0159itele.\u00dav\u011br=n\u00e1vratn\u00e1 p\u016fj\u010dka, jej\u00ed\u017e cenou je \u00farok.\tKrit\u00e9ria, podle kter\u00fdch si banka vyb\u00edr\u00e1 sv\u00e9 klientybezpe\u010dnost \u2013 klient\u016fm, kte\u0159\u00ed jsou schopni a ochotni spl\u00e1cet, minimalizovat rizikolikvidita \u2013 banka mus\u00ed vytv\u00e1\u0159et \u010dasov\u00fd soulad mezi p\u0159ijat\u00fdmi vklady a poskytnut\u00fdmi \u00fav\u011bry, aby byla schopn\u00e1 dost\u00e1t sv\u00fdch z\u00e1vazk\u016f (z kr\u00e1tkodob\u00fdch vklad\u016f pouze kr. \u00fav\u011bry)rentabilita \u2013 ziskovost; p\u0159ijat\u00fd \u00farok je d\u016fle\u017eit\u00fdm zdrojem zisku, podle \u00farokov\u00e9 sazby v %, tu stanov\u00ed banka, v\u00fd\u0161e sazby je podle rizikovosti \u00fav\u011bru\tRozd\u011blen\u00ed z\u00a0\u010dasov\u00e9ho hlediskaKr\u00e1tkodob\u00e9kontokorentn\u00ed \u2013 z\u00e1kladem je b\u011b\u017en\u00fd vkladov\u00fd \u00fa\u010det, u kter\u00e9ho m\u016f\u017eeme \u010derpat do m\u00ednusu. \u010cerp\u00e1n\u00ed i spl\u00e1cen\u00ed dluhu prob\u00edh\u00e1 automaticky ukl\u00e1d\u00e1n\u00edm a vyb\u00edr\u00e1n\u00edm pen\u011bz. M\u00edv\u00e1 vy\u0161\u0161\u00ed \u00farokovou sazbu.eskontn\u00ed \u2013 odkup sm\u011bnky p\u0159ed dobou splatnosti, banka si \u00fa\u010dtuje diskont, v\u00fdhodou pen\u00edze d\u0159\u00edveprovozn\u00ed \u2013 \u00fa\u010delov\u00fd \u00fav\u011br, kter\u00fd \u010derpaj\u00ed podniky a podnikatel\u00e9 na n\u00e1kup materi\u00e1lu\u00a0St\u0159edn\u011bdob\u00e9lombardn\u00ed \u2013 zaji\u0161t\u011bny zbo\u017e\u00edm, CP, pohled\u00e1vkamispot\u0159ebitelsk\u00fd \u2013po\u0159izovac\u00ed \u2013 \u00fa\u010delov\u00fd na n\u00e1kup zbo\u017e\u00ed, v\u00fd\u0161e dle ceny na FA, dopl\u0148kov\u00fd \u2013 \u00fa\u010delov\u00fd, \u010d\u00e1st ceny od banky, osobn\u00ed \u2013 nen\u00ed \u00fa\u010delov\u00fd, v\u00a0hotovosti, vysok\u00e9 \u00farokov\u00e9 sazby\u00a0Dlouhodob\u00e9hypote\u010dn\u00ed \u2013 \u00fa\u010delov\u00fd, souvis\u00ed s\u00a0bydlen\u00edm, poskytuj\u00ed hypote\u010dn\u00ed banky, zaji\u0161t\u011bn z\u00e1stavn\u00edm pr\u00e1vem k\u00a0nemovitosti, splatnost a\u017e 40 let, sazba stanovena na dobu fixace (pot\u00e9 m\u016f\u017ee b\u00fdt zm\u011bn\u011bna, nebo splat\u00edme dluh jednor\u00e1zov\u011b)ze stavebn\u00edho spo\u0159en\u00ed \u2013 \u00fa\u010delov\u00fd, souvis\u00ed s\u00a0bydlen\u00edm, poskytuj\u00ed ho stavebn\u00ed spo\u0159itelnyinvesti\u010dn\u00ed \u00fav\u011br \u2013 \u00fa\u010delov\u00fd, \u010derpaj\u00ed podniky\/podnikatel\u00e9 na n\u00e1kup dl. materi\u00e1l\u00a0\tRozd\u011blen\u00ed podle \u00fa\u010delu\u00da\u010delov\u00e9 \u00fav\u011bry\u2013 na konkr\u00e9tn\u00ed pot\u0159ebu, banky mohou posoudit opr\u00e1vn\u011bnost po\u017eadovan\u00e9 \u010d\u00e1stky a snadn\u011bji odhadnout zda dlu\u017en\u00edk bude schopen spl\u00e1cenNe\u00fa\u010delov\u00e9 \u00fav\u011bry\u2013 nap\u0159. hotovostn\u00ed \u00fav\u011bry\tRozd\u011blen\u00ed podle zaji\u0161t\u011bn\u00edkryt\u00e9 \u2013 re\u00e1ln\u011b nebo osobn\u011b, bezpe\u010dn\u011bj\u0161\u00ednezaji\u0161t\u011bn\u00e9 \u2013 poskytuj\u00ed ho banky klient\u016fm s\u00a0goodwill\tRozd\u011blen\u00ed podle zp\u016fsobu \u010derp\u00e1n\u00edjednor\u00e1zov\u00fd \u2013 vy\u010derp\u00e1n v\u00a0pln\u00e9 v\u00fd\u0161i najednou\u201ev \u00fav\u011brov\u00e9 lince\u201c \u2013 \u010derp\u00e1n postupn\u011b v\u00a0p\u0159edem ur\u010den\u00fdch term\u00ednech a \u010d\u00e1stk\u00e1ch\t\u00dav\u011bry pro podnikatelsk\u00e9 \u00fa\u010delyJsou poskytov\u00e1ny ve form\u011b ne\u00fa\u010delov\u00fdch \u00fav\u011bru a nej\u010dasn\u011bji se pou\u017e\u00edvaj\u00ed jako operativn\u00ed \u00fav\u011bry (provozn\u00ed \u00fav\u011br) pro jednor\u00e1zov\u00e9 na kryt\u00ed z\u00e1sob.\t\u00dav\u011bry ob\u010dan\u016fmPoskytov\u00e1ny ve form\u011b \u00fa\u010delov\u00fdch \u00fav\u011bru (ne nutn\u011b), nej\u010dasn\u011bji na renovaci bytu, stavbu domu, auto, byt, zbo\u017e\u00ed dlouhodob\u00e9 spot\u0159eby. Poskytnut\u00ed \u00fav\u011bru m\u016f\u017ee b\u00fdt prov\u00e1d\u011bno tak, \u017ee banka zaplat\u00ed za klienta vybran\u00e9 zbo\u017e\u00ed nebo slu\u017eby, tak m\u00e1 jistotu \u017ee nebudou pen\u00edze pou\u017eity na jin\u00fd \u00fa\u010del.V\u00a0sou\u010dasnosti jsou roz\u0161\u00ed\u0159eny rychl\u00e9 \u00fav\u011bry bez ud\u00e1n\u00ed d\u016fvodu, nebo spl\u00e1tkov\u00fd prodej.                                                                                                                                                                                                                                                                                                                                                                                        4.8\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Bankovnictv\u00ed- \u00fav\u011brov\u00e9 slu\u017eby","item":"https:\/\/www.vlds.cz\/bankovnictvi-uverove-sluzby\/#breadcrumbitem"}]}]