{"id":1857,"date":"2023-12-11T10:57:59","date_gmt":"2023-12-11T09:57:59","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=1857"},"modified":"2023-12-11T10:57:59","modified_gmt":"2023-12-11T09:57:59","slug":"kontokorent-na-vanoce-ano-nebo-ne","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/kontokorent-na-vanoce-ano-nebo-ne\/","title":{"rendered":"Kontokorent na V\u00e1noce: Ano, nebo ne?"},"content":{"rendered":"\n<p>Po roce op\u011bt sh\u00e1n\u00edme v\u00e1no\u010dn\u00ed d\u00e1rky pro sv\u00e9 nejbli\u017e\u0161\u00ed. Ve snaze ud\u011blat jim co nejv\u011bt\u0161\u00ed radost \u010dasto v\u016fbec nep\u0159em\u00fd\u0161l\u00edme o sv\u00fdch finan\u010dn\u00edch mo\u017enostech. Snadno pak zjist\u00edme, \u017ee na \u00fa\u010dtu zb\u00fdv\u00e1 jen p\u00e1r korun. V tu chv\u00edli spousta lid\u00ed za\u010dne p\u0159em\u00fd\u0161let nad t\u00edm, jestli p\u0159ece jen nevyu\u017e\u00edt kontokorent neboli povolen\u00e9 p\u0159e\u010derp\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu.<\/p>\n\n\n\n<p>Ne\u017e se rozhodnete kontokorent na <a href=\"https:\/\/www.fingo.cz\/blog\/10-tipu-jak-usetrit-za-vanocni-darky\/\">v\u00e1no\u010dn\u00ed d\u00e1rky<\/a> vyu\u017e\u00edt, dob\u0159e si rozmyslete, jestli je to opravdu nutn\u00e9. Skute\u010dn\u011b d\u011bti pot\u0159ebuj\u00ed tu des\u00e1tou hra\u010dku? Neobe\u0161la by se partnerka bez poukazu do nejluxusn\u011bj\u0161\u00edho kade\u0159nick\u00e9ho salonu ve m\u011bst\u011b? A nesta\u010dila by man\u017eelovi jedna nov\u00e1 ko\u0161ile?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-co-je-to-kontokorent\"><strong>Co je to kontokorent<\/strong><\/h2>\n\n\n\n<p>Zjednodu\u0161en\u011b se d\u00e1 \u0159\u00edct, \u017ee kontokorent je vlastn\u011b druh \u00fav\u011bru. <strong>Plat\u00edte za slu\u017eby a zbo\u017e\u00ed pen\u011bzi, kter\u00e9 nejsou va\u0161e. <\/strong>Pat\u0159\u00ed bance a ta je tak\u00e9 bude cht\u00edt zp\u00e1tky. V podstat\u011b jdete na sv\u00e9m \u00fa\u010dtu do minusu a t\u00edm si automaticky p\u016fj\u010dujete pr\u00e1v\u011b od banky.<\/p>\n\n\n\n<p>Jde o dobr\u00fd n\u00e1stroj, kter\u00fd v\u00e1m poskytne <strong>rezervu v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch v\u00fddaj\u016f<\/strong>. Vyplat\u00ed se ale v tu chv\u00edli v\u011bd\u011bt, \u017ee v\u00e1m brzy na \u00fa\u010det doraz\u00ed pen\u00edze, kter\u00fdmi ho zase rychle splat\u00edte. Pokud to tak nen\u00ed, <a href=\"https:\/\/www.fingo.cz\/blog\/jak-na-rodinny-rozpocet-v-kazde-zivotni-situaci\/\">zad\u011bl\u00e1v\u00e1te si na probl\u00e9m<\/a>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u201eKontokorent by m\u011bl slou\u017eit jako kr\u00e1tkodob\u00e1 rezerva na pokryt\u00ed b\u011b\u017en\u00fdch nebo neo\u010dek\u00e1van\u00fdch m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f. Je vhodn\u00fd, pokud m\u00e1te pravideln\u00e9 z\u00e1vazky, s jejich\u017e platbou se nesm\u00edte opozdit \u2013 nap\u0159\u00edklad n\u00e1jem, mobiln\u00ed tarif nebo spl\u00e1tka hypot\u00e9ky. Kontokorent zajist\u00ed, \u017ee va\u0161e trval\u00e9 platby odejdou v\u010das, i kdy\u017e na \u00fa\u010dtu nebude dostatek finan\u010dn\u00edch prost\u0159edk\u016f,\u201d<\/em> vysv\u011btluje \u00fav\u011brov\u00fd expert FinGO Petr Mot\u00e1\u010dek.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Jak funguje kontokorent<\/strong><\/h2>\n\n\n\n<p>Kontokorent si m\u016f\u017eete sjednat ke sv\u00e9mu b\u011b\u017en\u00e9mu \u00fa\u010dtu \u2013 je to takov\u00e1 slu\u017eba nav\u00edc. Pokud ho je\u0161t\u011b nem\u00e1te, ur\u010dit\u011b u\u017e v\u00e1m ho na sch\u016fzce v bance nab\u00edzeli.<\/p>\n\n\n\n<p><strong>Pravidla p\u0159i vyu\u017e\u00edv\u00e1n\u00ed kontokorentu:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pen\u00edze m\u00e1te kdykoli k dispozici <\/strong>\u2013 a\u017e do v\u00fd\u0161e sjednan\u00e9ho limitu.<\/li>\n\n\n\n<li>Z \u010d\u00e1stky, kterou vy\u010derp\u00e1te nad r\u00e1mec sv\u00fdch pen\u011bz na \u00fa\u010dtu,<strong> plat\u00edte \u00faroky<\/strong>.<\/li>\n\n\n\n<li>Jakmile v\u00e1m na \u00fa\u010det p\u0159ijde v\u00fdplata nebo jin\u00e9 pen\u00edze, vy\u010derpan\u00fd <strong>kontokorent se automaticky sni\u017euje<\/strong>.<\/li>\n\n\n\n<li>Neplat\u00edte <strong>\u017e\u00e1dn\u00e9 pravideln\u00e9 spl\u00e1tky<\/strong>.<\/li>\n\n\n\n<li>\u010cerpat ho <strong>m\u016f\u017eete opakovan\u011b<\/strong>.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/12\/baleni-vanocnich-darku.jpg\" alt=\"\" class=\"wp-image-1861\" srcset=\"https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/12\/baleni-vanocnich-darku.jpg 1000w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/12\/baleni-vanocnich-darku-300x200.jpg 300w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/12\/baleni-vanocnich-darku-768x512.jpg 768w, https:\/\/www.fingo.cz\/blog\/wp-content\/uploads\/2023\/12\/baleni-vanocnich-darku-510x340.jpg 510w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00daroky u kontokorentu<\/strong><\/h2>\n\n\n\n<p>\u00daroky, kter\u00e9 u p\u0159e\u010derp\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu plat\u00edte, se v\u017edy odv\u00edj\u00ed od pravidel dan\u00e9 banky. Pokud se nav\u00edc se spl\u00e1cen\u00edm opozd\u00edte, po\u010d\u00edtejte je\u0161t\u011b s <strong>\u00farokem z prodlen\u00ed<\/strong>, kter\u00fd je pom\u011brn\u011b vysok\u00fd.<\/p>\n\n\n\n<p>Banky se v tom p\u0159\u00edpad\u011b \u0159\u00edd\u00ed z\u00e1konem. A ten stanovuje v\u00fdpo\u010det \u00farok\u016f z prodlen\u00ed n\u00e1sledovn\u011b: <strong>Osm procentn\u00edch bod\u016f plus aktu\u00e1ln\u00ed v\u00fd\u0161e REPO sazby<\/strong>. REPO sazbu ka\u017ed\u00fd p\u016flrok nastav\u00ed \u010cesk\u00e1 n\u00e1rodn\u00ed banka.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Aktu\u00e1ln\u00ed REPO sazba: 7 %<\/strong><\/li>\n\n\n\n<li><strong>Aktu\u00e1ln\u00ed \u00farok z prodlen\u00ed: 15 % (8+7 %)<\/strong><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Srovn\u00e1n\u00ed v\u00fd\u0161e kontokorentu, \u00farok\u016f a splatnosti<\/strong><\/h2>\n\n\n\n<p><strong>\u010cesk\u00e1 spo\u0159itelna<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00fd\u0161e kontokorentu: 1 000 K\u010d a\u017e do v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00edho p\u0159\u00edjmu<\/li>\n\n\n\n<li>\u00darok kontokorentu: 18,9 % p.a.<\/li>\n\n\n\n<li>Splatnost kontokorentu: jednou za 12 m\u011bs\u00edc\u016f<\/li>\n<\/ul>\n\n\n\n<p><strong>Komer\u010dn\u00ed banka<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00fd\u0161e kontokorentu: a\u017e 60 000 K\u010d<\/li>\n\n\n\n<li>\u00darok kontokorentu: 19,99 % p.a<\/li>\n\n\n\n<li>Splatnost kontokorentu: jednou za 12 m\u011bs\u00edc\u016f<\/li>\n<\/ul>\n\n\n\n<p><strong>Raiffeisenbank<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00fd\u0161e kontokorentu: 5 000 K\u010d a\u017e 150 000 K\u010d<\/li>\n\n\n\n<li>\u00darok kontokorentu: 21,9 % p.a.<\/li>\n\n\n\n<li>Splatnost kontokorentu: jednou za 12 m\u011bs\u00edc\u016f<\/li>\n<\/ul>\n\n\n\n<p><strong>UniCredit Bank<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00fd\u0161e kontokorentu: 750 K\u010d a\u017e 150 000 K\u010d<\/li>\n\n\n\n<li>\u00darok kontokorentu: 18 % p.a.<\/li>\n\n\n\n<li>Splatnost kontokorentu: \u00fav\u011br je na dobu neur\u010ditou a spl\u00e1c\u00ed se pr\u016fb\u011b\u017en\u011b<\/li>\n<\/ul>\n\n\n\n<p><strong>\u010cSOB<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00fd\u0161e kontokorentu: a\u017e dvojn\u00e1sobek \u010dist\u00e9ho p\u0159\u00edjmu klienta<\/li>\n\n\n\n<li>\u00darok kontokorentu: 21,9 % p.a.<\/li>\n\n\n\n<li>Splatnost kontokorentu: minim\u00e1ln\u011b jednou za 6 nebo za 12 m\u011bs\u00edc\u016f \u2013 li\u0161\u00ed se podle smlouvy<\/li>\n<\/ul>\n\n\n\n<p><strong>Moneta Money bank<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00fd\u0161e kontokorentu: 2 000 K\u010d a\u017e 100 000 K\u010d<\/li>\n\n\n\n<li>\u00darok kontokorentu: 21,99 % p.a. (ke kontu Genius Gold 14,90 %)<\/li>\n\n\n\n<li>Splatnost kontokorentu: neomezen\u011b dlouho<\/li>\n<\/ul>\n\n\n\n<p><strong>mBank<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00fd\u0161e kontokorentu: 5 000 K\u010d a\u017e 300 000 K\u010d<\/li>\n\n\n\n<li>\u00darok kontokorentu: 12,9\u201318,9 % p.a. podle v\u00fd\u0161e kontokorentu (a\u017e 1 000 K\u010d bez poplatk\u016f a \u00farok\u016f)<\/li>\n\n\n\n<li>Splatnost kontokorentu: jednou za 6 nebo 12 m\u011bs\u00edc\u016f<\/li>\n<\/ul>\n\n\n\n<p><strong>Air Bank<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u00fd\u0161e kontokorentu: 5 000 a\u017e 50 000 K\u010d<\/li>\n\n\n\n<li>\u00darok kontokorentu: 18,9 % p.a.<\/li>\n\n\n\n<li>Splatnost kontokorentu: jednou za 12 m\u011bs\u00edc\u016f<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Vyplat\u00ed se kontokorent na V\u00e1noce?<\/strong><\/h2>\n\n\n\n<p>Pokud uva\u017eujete<strong> o \u010derp\u00e1n\u00ed kontokorentu na v\u00e1no\u010dn\u00ed d\u00e1rky, v\u00fdzdobu nebo t\u0159eba poho\u0161t\u011bn\u00ed,<\/strong> maj\u00ed v tom experti zpravidla pom\u011brn\u011b jasno.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>\u201e\u010cerpat kontokorent kv\u016fli v\u00e1no\u010dn\u00edm d\u00e1rk\u016fm se nevyplat\u00ed. Na d\u00e1rky si ide\u00e1ln\u011b na\u0161et\u0159ete. Kdy\u017e p\u0159ece jen budete cht\u00edt n\u011bjak\u00e9 pen\u00edze nav\u00edc, vyu\u017eijte rad\u011bji p\u016fj\u010dku. Ta bude m\u00edt podstatn\u011b ni\u017e\u0161\u00ed \u00farok a d\u00edky rozlo\u017een\u00ed spl\u00e1tek na del\u0161\u00ed obdob\u00ed se v\u00e1m bude i l\u00e9pe spl\u00e1cet,\u201d<\/em> uzav\u00edr\u00e1 Petr Mot\u00e1\u010dek.<\/p>\n<\/blockquote>\n\n\n\n<p>Jestli\u017ee si chcete <a href=\"https:\/\/www.fingo.cz\/blog\/pujcka-na-vanoce-je-to-dobry-napad\/\">sjednat p\u016fj\u010dku<\/a>, <strong>obra\u0165te se na n\u00e1s<\/strong> a r\u00e1di v\u00e1m pom\u016f\u017eeme. Vybereme s v\u00e1mi tu nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku p\u0159\u00edmo pro v\u00e1s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Po roce op\u011bt sh\u00e1n\u00edme v\u00e1no\u010dn\u00ed d\u00e1rky pro sv\u00e9 nejbli\u017e\u0161\u00ed. Ve snaze ud\u011blat jim co nejv\u011bt\u0161\u00ed radost \u010dasto v\u016fbec nep\u0159em\u00fd\u0161l\u00edme o sv\u00fdch finan\u010dn\u00edch mo\u017enostech. Snadno pak zjist\u00edme, \u017ee na \u00fa\u010dtu zb\u00fdv\u00e1 jen p\u00e1r korun. V tu chv\u00edli spousta lid\u00ed za\u010dne p\u0159em\u00fd\u0161let nad t\u00edm, jestli p\u0159ece jen nevyu\u017e\u00edt kontokorent neboli povolen\u00e9 p\u0159e\u010derp\u00e1n\u00ed b\u011b\u017en\u00e9ho \u00fa\u010dtu. Ne\u017e se rozhodnete kontokorent na v\u00e1no\u010dn\u00ed d\u00e1rky vyu\u017e\u00edt, dob\u0159e si rozmyslete, jestli je to opravdu nutn\u00e9. Skute\u010dn\u011b d\u011bti pot\u0159ebuj\u00ed tu des\u00e1tou hra\u010dku? Neobe\u0161la by se partnerka bez poukazu do nejluxusn\u011bj\u0161\u00edho kade\u0159nick\u00e9ho salonu ve m\u011bst\u011b? A nesta\u010dila by man\u017eelovi jedna nov\u00e1 ko\u0161ile? Co je to kontokorent Zjednodu\u0161en\u011b se d\u00e1 \u0159\u00edct, \u017ee kontokorent je vlastn\u011b druh \u00fav\u011bru. Plat\u00edte za slu\u017eby a zbo\u017e\u00ed pen\u011bzi, kter\u00e9 nejsou va\u0161e. Pat\u0159\u00ed bance a ta je tak\u00e9 bude cht\u00edt zp\u00e1tky. V podstat\u011b jdete na sv\u00e9m \u00fa\u010dtu do minusu a t\u00edm si automaticky p\u016fj\u010dujete pr\u00e1v\u011b od banky. Jde o dobr\u00fd n\u00e1stroj, kter\u00fd v\u00e1m poskytne rezervu v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch v\u00fddaj\u016f. Vyplat\u00ed se ale v tu chv\u00edli v\u011bd\u011bt, \u017ee v\u00e1m brzy na \u00fa\u010det doraz\u00ed pen\u00edze, kter\u00fdmi ho zase rychle splat\u00edte. Pokud to tak nen\u00ed, zad\u011bl\u00e1v\u00e1te si na probl\u00e9m. \u201eKontokorent by m\u011bl slou\u017eit jako kr\u00e1tkodob\u00e1 rezerva na pokryt\u00ed b\u011b\u017en\u00fdch nebo neo\u010dek\u00e1van\u00fdch m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f. Je vhodn\u00fd, pokud m\u00e1te pravideln\u00e9 z\u00e1vazky, [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":1858,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[108,28,35,33],"class_list":["post-1857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osobni-finance","tag-kontokorent","tag-petr-motacek","tag-rodinne-finance","tag-vanoce"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Kontokorent na V\u00e1noce: Ano, nebo ne? - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"Pot\u0159ebovali byste v\u00edc pen\u011bz na v\u00e1no\u010dn\u00ed d\u00e1rky? Pod\u00edvejte se, jestli se v\u00e1m vyplat\u00ed vyu\u017e\u00edt kontokorent. 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