{"id":11736,"date":"2019-10-28T18:22:31","date_gmt":"2019-10-28T17:22:31","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?post_type=encyclopedia&amp;p=1029"},"modified":"2019-10-28T18:22:31","modified_gmt":"2019-10-28T17:22:31","slug":"precerpani-uctu","status":"publish","type":"pojem","link":"https:\/\/skippay.cz\/blog\/slovnik-pojmu\/pismeno-p\/precerpani-uctu\/","title":{"rendered":"P\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu"},"content":{"rendered":"\n<p>\nP\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu zna\u010d\u00ed stav, p\u0159i kter\u00e9m se na sv\u00e9m\nbankovn\u00edm \u00fa\u010dtu klient dostane tzv. do m\u00ednusu, nem\u00e1 na n\u011bm ji\u017e\n\u017e\u00e1dn\u00e9 vlastn\u00ed finan\u010dn\u00ed prost\u0159edky a <strong>\u010derp\u00e1 pen\u00edze\ninstituce<\/strong>, kter\u00e1 mu zaji\u0161\u0165uje bankovn\u00ed slu\u017eby.<\/p>\n\n\n\n<p>P\u0159e\u010derp\u00e1n\u00ed m\u016f\u017ee b\u00fdt s&nbsp;bankou dohodnut\u00e9 nebo nikoli. V&nbsp;prvn\u00edm p\u0159\u00edpad\u011b se jedn\u00e1 o tzv. <strong>povolen\u00fd debet<\/strong>, <a href=\"https:\/\/skippay.cz\/kontokorent\">kontokorent<\/a> \u010di povolen\u00e9 p\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu, v&nbsp;r\u00e1mci n\u011bho\u017e banka klientovi poskytuje mo\u017enost \u010derpat finance nad r\u00e1mec sv\u00fdch \u00faspor p\u0159i spln\u011bn\u00ed ur\u010dit\u00fdch podm\u00ednek, jako je nap\u0159\u00edklad v\u010dasn\u00e9 spl\u00e1cen\u00ed, pravideln\u00fd p\u0159\u00edjem a dal\u0161\u00ed.<\/p>\n\n\n\n<p>Pokud takovou\nsmlouvu klient s&nbsp;bankou nepodep\u00ed\u0161e a dostane se do m\u00ednusu,\njedn\u00e1 se o <strong>nepovolen\u00e9 p\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu<\/strong>, za kter\u00e9 hroz\u00ed\npom\u011brn\u011b vysok\u00e9 sankce v&nbsp;podob\u011b \u00farok\u016f z&nbsp;dlu\u017en\u00e9\n\u010d\u00e1stky a jednor\u00e1zov\u00fdch poplatk\u016f.<\/p>\n","protected":false},"template":"","tags":[47],"pismeno":[3265],"class_list":["post-11736","pojem","type-pojem","status-publish","hentry","tag-kontokorent","pismeno-pismeno-p","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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