[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.webus.cz\/jak-a-kdy-mohu-cerpat-uver\/#Article","mainEntityOfPage":"https:\/\/www.webus.cz\/jak-a-kdy-mohu-cerpat-uver\/","headline":"Jak a kdy mohu \u010derpat \u00fav\u011br?","name":"Jak a kdy mohu \u010derpat \u00fav\u011br?","description":"\u010cerp\u00e1n\u00ed \u00fav\u011bru neboli uvoln\u011bn\u00ed \u010di zap\u016fj\u010den\u00ed finan\u010dn\u00edch prost\u0159edk\u016f se v dne\u0161n\u00ed dob\u011b vyu\u017e\u00edv\u00e1 \u010d\u00edm d\u00e1l \u010dast\u011bji. Jedn\u00e1 se vlastn\u011b o klasickou “p\u016fj\u010dku” u kter\u00e9 si s va\u0161\u00ed bankou zvol\u00edte v\u00e1mi zvolenou \u010d\u00e1stku a dobu splatnosti. M\u016f\u017eete tento druh p\u016fj\u010dky zn\u00e1t pod n\u00e1zvem Pen\u00edze na Klik nebo Pen\u00edze na cest\u011b. Bankovn\u00ed \u00fav\u011bry se d\u011bl\u00ed do t\u0159\u00ed","datePublished":"2023-08-21","dateModified":"2023-08-21","author":{"@type":"Person","@id":"https:\/\/www.webus.cz\/author\/#Person","name":"","url":"https:\/\/www.webus.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/d6cba3ab97c30e0df0e32548954cb6b1550f4672bd3a4687bf1118b122d757e8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"webus.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.webus.cz\/wp-content\/uploads\/seo_10_2.jpg","url":"https:\/\/www.webus.cz\/wp-content\/uploads\/seo_10_2.jpg","height":0,"width":0},"url":"https:\/\/www.webus.cz\/jak-a-kdy-mohu-cerpat-uver\/","about":["Ekonomika"],"wordCount":550,"articleBody":"      \u010cerp\u00e1n\u00ed \u00fav\u011bru neboli uvoln\u011bn\u00ed \u010di zap\u016fj\u010den\u00ed finan\u010dn\u00edch prost\u0159edk\u016f se v dne\u0161n\u00ed dob\u011b vyu\u017e\u00edv\u00e1 \u010d\u00edm d\u00e1l \u010dast\u011bji. Jedn\u00e1 se vlastn\u011b o klasickou “p\u016fj\u010dku” u kter\u00e9 si s va\u0161\u00ed bankou zvol\u00edte v\u00e1mi zvolenou \u010d\u00e1stku a dobu splatnosti. M\u016f\u017eete tento druh p\u016fj\u010dky zn\u00e1t pod n\u00e1zvem Pen\u00edze na Klik nebo Pen\u00edze na cest\u011b. Bankovn\u00ed \u00fav\u011bry se d\u011bl\u00ed do t\u0159\u00ed kategori\u00ed a t\u011bmi jsou kr\u00e1tkodob\u00e9, st\u0159edn\u011bdob\u00e9 a dlouhodob\u00e9. N\u011bkdy se v\u0161ak m\u016f\u017eete setkat i s jednor\u00e1zov\u00fdm \u010derp\u00e1n\u00edm a postupov\u00fdm \u010derp\u00e1n\u00edm \u00fav\u011br\u016f. U kr\u00e1tkodob\u00fdch \u00fav\u011br\u016f m\u00e1te mo\u017enost spl\u00e1cet maxim\u00e1ln\u011b rok. Tento \u00fav\u011br se v\u00e1m na\u00fa\u010dtuje na \u00fa\u010det 231, kter\u00fd je speci\u00e1ln\u011b vytvo\u0159en po schv\u00e1len\u00ed va\u0161\u00ed \u017e\u00e1dosti. \u00da\u010det 231 slou\u017e\u00ed \u010dist\u011b jen k vyu\u017e\u00edv\u00e1n\u00ed kr\u00e1tkodob\u00fdch \u00fav\u011br\u016f. U st\u0159edn\u011bdob\u00fdch \u00fav\u011br\u016f m\u00e1te mo\u017enost spl\u00e1cet v rozmez\u00ed od jednoho roku do p\u011bti let. U tohoto druhu \u00fav\u011bru se v\u00e1m finan\u010dn\u00ed prost\u0159edky \u00fa\u010dtuj\u00ed na \u00fa\u010det 461, kter\u00fd slou\u017e\u00ed speci\u00e1ln\u011b pro \u00fav\u011bry s del\u0161\u00ed dobou splatnosti. U dlouhodob\u00fdch \u00fav\u011br\u016f (jak u\u017e m\u016f\u017eete odvodit ze samotn\u00e9ho n\u00e1zvu) m\u00e1te mo\u017enost spl\u00e1cet d\u00e9le ne\u017e p\u011bt let, co\u017e je pro n\u011bkter\u00e9 klienty v\u00fdhodn\u00e9. Stejn\u011b jako u st\u0159edn\u011bdob\u00fdch se v\u00e1m finance \u00fa\u010dtuj\u00ed na \u00fa\u010det 461.Jednor\u00e1zov\u00e9 \u010derp\u00e1n\u00ed \u00fav\u011bru je lehce odvoditeln\u00e9 u\u017e z n\u00e1zvu. Postup je takov\u00fd \u017ee po schv\u00e1len\u00ed \u017e\u00e1dosti v\u00e1m p\u0159ijde na \u00fa\u010det dan\u00e1 \u010d\u00e1stka, kterou n\u00e1sledn\u011b splat\u00edte a d\u00e1le v\u00e1s nic u\u017e nezaj\u00edm\u00e1. Postupov\u00e9 \u010derp\u00e1n\u00ed \u00fav\u011bru se v\u0161ak vyu\u017e\u00edv\u00e1 nejv\u00edce p\u0159i stavb\u011b \u010di rekonstrukci nemovitosti. Kdy\u017e zvol\u00edte postupov\u00e9 \u010derp\u00e1n\u00ed cel\u00fd proces, prob\u00edh\u00e1 tak, \u017ee postupn\u011b zas\u00edl\u00e1te faktury a dokumenty, kter\u00e9 v\u00e1m banka n\u00e1sledn\u011b proplat\u00ed. Postup \u00fa\u010dtov\u00e1n\u00ed pro poskytnut\u00ed takov\u00fdchto \u00fav\u011br\u016f je n\u00e1sleduj\u00edc\u00ed: Va\u0161\u00ed bance mus\u00edte nejprve poslat \u017e\u00e1dost o \u00fav\u011br, va\u0161e banka v\u00e1m \u00fa\u010dtuje \u00fav\u011br na z\u00e1klad\u011b va\u0161eho bankovn\u00edho v\u00fdpisu a v\u00fdpisu z \u00fav\u011brov\u00e9ho \u00fa\u010dtu (Jak u\u017e bylo uvedeno v\u00fd\u0161e v \u010dl\u00e1nku jedn\u00e1 se o \u00fa\u010dty 221,231 a 461). V p\u0159\u00edpad\u011b, \u017ee va\u0161i \u017e\u00e1dost schv\u00e1lili, m\u016f\u017eete u\u017e pouze \u010dekat na va\u0161e finance. Kdyby se stalo, \u017ee by va\u0161\u00ed bance chyb\u011bt jeden z pot\u0159ebn\u00fdch dokument\u016f (V\u00fdpis s bankovn\u00edho nebo \u00fav\u011brov\u00e9ho \u00fa\u010dtu) M\u016f\u017eete vyu\u017e\u00edt mo\u017enost \u00fa\u010dtu 261 tak\u00e9 zn\u00e1m\u00fd jako pen\u00edze na cest\u011b. Jak\u00e9 dokumenty budete pot\u0159ebovat k \u010derp\u00e1n\u00ed \u00fav\u011bru Nebankovn\u00ed hypot\u00e9ky? 1) Doklad toto\u017enosti (Ob\u010dansk\u00fd pr\u016fkaz, pas atd.)2) Doklady o p\u0159\u00edjmech (V\u00fdpis z \u00fa\u010dtu, v\u00fdplatn\u00ed p\u00e1sky a podob.) 3) Doklad k \u00fa\u010delu \u00fav\u011bru (Stavba \u010di rekonstrukce nemovitosti, osobn\u00ed vyu\u017eit\u00ed a podob.) Pokud budete \u017e\u00e1dat o \u00fav\u011br online (telefonicky) budete pot\u0159ebovat ob\u010dansk\u00fd pr\u016fkaz a osobn\u00ed informace. Ostatn\u00ed pot\u0159ebn\u00e9 dokumenty se pot\u00e9 pos\u00edlaj\u00ed emailem va\u0161\u00ed bance.                                                                                                                                                                                                                                                                                                                                                                                           4.3\/5 - (3 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak a kdy mohu \u010derpat \u00fav\u011br?","item":"https:\/\/www.webus.cz\/jak-a-kdy-mohu-cerpat-uver\/#breadcrumbitem"}]}]