[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.xpuls.cz\/aktivni-operace-bank-kratkodobe-uvery\/#Article","mainEntityOfPage":"https:\/\/www.xpuls.cz\/aktivni-operace-bank-kratkodobe-uvery\/","headline":"Aktivn\u00ed operace bank – kr\u00e1tkodob\u00e9 \u00fav\u011bry","name":"Aktivn\u00ed operace bank – kr\u00e1tkodob\u00e9 \u00fav\u011bry","description":"Ka\u017ed\u00e1 obchodn\u00ed banka samoz\u0159ejm\u011b pot\u0159ebuje n\u011bjak vyd\u011bl\u00e1vat, aby plnila c\u00edl zisku..","datePublished":"2021-09-21","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.xpuls.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.xpuls.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/739bdad9092f7204ebf16dfadfb581e3e92e1ade2f5cc299a7779b7760a7d2fc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/739bdad9092f7204ebf16dfadfb581e3e92e1ade2f5cc299a7779b7760a7d2fc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"xpuls.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.xpuls.cz\/wp-content\/uploads\/centy%20ve%20sklenici.jpg","url":"https:\/\/www.xpuls.cz\/wp-content\/uploads\/centy%20ve%20sklenici.jpg","height":0,"width":0},"url":"https:\/\/www.xpuls.cz\/aktivni-operace-bank-kratkodobe-uvery\/","about":["Ekonomika"],"wordCount":421,"articleBody":"Ka\u017ed\u00e1 obchodn\u00ed banka samoz\u0159ejm\u011b pot\u0159ebuje n\u011bjak vyd\u011bl\u00e1vat, aby plnila c\u00edl zisku. Jedna z jejich aktivn\u00edch operac\u00ed je pr\u00e1v\u011b poskytov\u00e1n\u00ed \u00fav\u011br\u016f, ty se d\u011bl\u00ed na kr\u00e1tkodob\u00e9, st\u0159edn\u011bdob\u00e9 a dlouhodob\u00e9. V tomto rozd\u011blov\u00e1n\u00ed hraje roli \u010das, na jak\u00e9 obdob\u00ed je zmi\u0148ovan\u00fd \u00fav\u011br poskytov\u00e1n. \u00dav\u011bry jsou asi nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00ed bankovn\u00ed operace a m\u016f\u017ee si je vyp\u016fj\u010dit skoro ka\u017ed\u00fd, kdo spl\u0148uje podm\u00ednky a\u0165 pr\u00e1vnick\u00e1 osoba \u010di osoba fyzick\u00e1. Spole\u010dn\u011b se poj\u010fme pod\u00edvat na ty kr\u00e1tkodob\u00e9 \u00fav\u011bry.\u00a0Kontokorentn\u00ed \u00fav\u011br\u00a0Tento \u00fav\u011br je asi spoust\u011b z v\u00e1s zn\u00e1m\u00fd, mo\u017en\u00e1 ho dokonce i sami vyu\u017e\u00edv\u00e1te. Tento druh \u00fav\u011bru funguje na jednoduch\u00e9m principu, vyu\u017e\u00edv\u00e1 se p\u0159i p\u0159e\u010derp\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu takzvan\u011b \u201cdo m\u00ednusu\u201d. Tento druh \u00fav\u011bru poskytuje ka\u017ed\u00e1 obchodn\u00ed banka, kter\u00e1 m\u00e1 univers\u00e1ln\u00ed zam\u011b\u0159en\u00ed, sta\u010d\u00ed si s bankou domluvit \u00fav\u011brov\u00fd r\u00e1mec. M\u016f\u017eete jej vyu\u017e\u00edvat nap\u0159\u00edklad, pokud v\u00e1m zb\u00fdv\u00e1 p\u00e1r dn\u00ed do v\u00fdplaty a nevych\u00e1z\u00edte s pen\u011bzi, m\u016f\u017eete \u010derpat do ur\u010dit\u00e9 \u010d\u00e1stky (kterou jste si p\u0159edt\u00edm s bankou domluvili), n\u00e1sledn\u011b jej spl\u00e1c\u00edte z p\u0159\u00edchoz\u00edch plateb, kter\u00e9 v\u00e1m na v\u00e1\u0161 bankovn\u00ed \u00fa\u010det chod\u00ed. Tento druh \u00fav\u011bru v\u0161ak b\u00fdv\u00e1 velmi drah\u00fd a \u00faroky z n\u011bj jsou nemal\u00e9.\u00a0Lombardn\u00ed \u00fav\u011br\u00a0Tento \u00fav\u011br poskytne banka a\u0165 fyzick\u00e9 osob\u011b, \u010di pr\u00e1vnick\u00e9, ale mus\u00ed se v\u0161ak zav\u00e1zat z\u00e1stavou movit\u00fdch v\u011bc\u00ed v ur\u010dit\u00e9 hodnot\u011b. Jako p\u0159\u00edklad si m\u016f\u017eeme d\u00e1t nap\u0159\u00edklad to, \u017ee si v bance p\u016fj\u010d\u00edte 50 tis\u00edc, aby v\u00e1m tento \u00fav\u011br banka poskytla, mus\u00edte ru\u010dit osobn\u00edm majetkem, nap\u0159\u00edklad vlastn\u00edm autem nebo majetkem vy\u0161\u0161\u00ed hodnoty.\u00a0\u00a0Revolvingov\u00fd \u00fav\u011br\u00a0Je to takov\u00fd \u00fav\u011br \u201cna pochodu\u201d, firma si nap\u0159\u00edklad p\u016fj\u010d\u00ed pen\u00edze, jeliko\u017e pot\u0159ebuje rychle finan\u010dn\u00ed prost\u0159edky na zaplacen\u00ed faktury od odb\u011bratele. Pen\u00edze n\u00e1sledn\u011b za n\u011bjakou dobu vr\u00e1t\u00ed, av\u0161ak kdyby op\u011bt nastala n\u011bjak\u00e1 ne\u010dekan\u00e1 situace a firma op\u011bt pen\u00edze pot\u0159ebovala, m\u016f\u017ee ihned \u010derpat \u00fav\u011br znovu.\u00a0\u00a0Eskontn\u00ed \u00fav\u011br\u00a0Banka poskytuje tento druh \u00fav\u011bru, v p\u0159\u00edpadech odkupu cenn\u00e9ho pap\u00edru, p\u0159esn\u011bji sm\u011bnky.\u00a0\u00a0                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Aktivn\u00ed operace bank – kr\u00e1tkodob\u00e9 \u00fav\u011bry","item":"https:\/\/www.xpuls.cz\/aktivni-operace-bank-kratkodobe-uvery\/#breadcrumbitem"}]}]