{"id":11677,"date":"2019-10-26T20:18:48","date_gmt":"2019-10-26T19:18:48","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?post_type=encyclopedia&p=958"},"modified":"2026-10-01T22:30:01","modified_gmt":"2026-10-01T20:30:01","slug":"kontokorent","status":"publish","type":"pojem","link":"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-k\/kontokorent\/","title":{"rendered":"Kontokorent"},"content":{"rendered":"\n

Kontokorent <\/a>je finan\u010dn\u00ed produkt, kter\u00fd majiteli b\u011b\u017en\u00e9ho \u00fa\u010dtu umo\u017e\u0148uje j\u00edt tzv. \u201edo m\u00ednusu\u201c.<\/strong> Limit, kter\u00fd m\u016f\u017ee klient v r\u00e1mci sv\u00e9ho kontokorentu vyu\u017e\u00edt, ur\u010duje ka\u017ed\u00e1 banka individu\u00e1ln\u011b podle toho, jak dlouho u\u017e je jej\u00edm klientem, p\u0159\u00edpadn\u011b jak\u00e1 je jeho platebn\u00ed mor\u00e1lka a jak vysok\u00e9 m\u00e1 pravideln\u00e9 p\u0159\u00edjmy.<\/p>\n\n\n\n

V\u00fdhodou kontokorentu neboli povolen\u00e9ho debetu je to, \u017ee jej m\u00e1 u\u017eivatel neust\u00e1le k\u00a0dispozici v\u00a0r\u00e1mci sv\u00e9 platebn\u00ed karty<\/a>, a tak\u00e9 to, \u017ee se jedn\u00e1 o ne\u00fa\u010delov\u00fd \u00fav\u011br, tak\u017ee bance nemus\u00ed prokazovat, za co pen\u00edze utr\u00e1c\u00ed. P\u016fj\u010dku klient nemus\u00ed spl\u00e1cet v\u00a0rozvr\u017een\u00fdch spl\u00e1tk\u00e1ch, ale jednor\u00e1zov\u011b, a\u017e mu na \u00fa\u010det p\u0159ijde dal\u0161\u00ed p\u0159\u00edjem. Za cel\u00e9 obdob\u00ed, kdy klient kontokorent \u010derpal, zaplat\u00ed nav\u00edc \u00farok, kter\u00fd je u tohoto produktu vzhledem ke sv\u00e9 ne\u00fa\u010delovosti pom\u011brn\u011b vysok\u00fd \u2013 pohybuje se a\u017e okolo 20 %<\/strong>. N\u011bkter\u00e9 banky ale nab\u00edzej\u00ed u kontokorentu tzv. bez\u00faro\u010dn\u00e9 obdob\u00ed, kter\u00e9 p\u0159i v\u010dasn\u00e9m splacen\u00ed p\u016fj\u010dky (typicky do 40 nebo 60 dn\u00ed) garantuje 0% \u00farok.<\/p>\n\n\n\n

<\/p>\n","protected":false},"template":"","tags":[51,47],"pismeno":[3260],"class_list":["post-11677","pojem","type-pojem","status-publish","hentry","tag-debetni-karta","tag-kontokorent","pismeno-pismeno-k","entry"],"acf":[],"yoast_head":"\nKontokorent | Skip Pay<\/title>\n<meta name=\"description\" content=\"Kontokorent je finan\u010dn\u00ed produkt, kter\u00fd majiteli b\u011b\u017en\u00e9ho \u00fa\u010dtu umo\u017e\u0148uje j\u00edt tzv. \u201edo m\u00ednusu\u201c. 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