[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zasekni.cz\/vyplati-se-poridit-si-kontokorent\/#Article","mainEntityOfPage":"https:\/\/www.zasekni.cz\/vyplati-se-poridit-si-kontokorent\/","headline":"Vyplat\u00ed se po\u0159\u00eddit si kontokorent?","name":"Vyplat\u00ed se po\u0159\u00eddit si kontokorent?","description":"Kontokorent nen\u00ed zn\u00e1m jen pod n\u00e1zvem kontokorent. M\u016f\u017eete se setkat tak\u00e9 s pojmem povolen\u00fd debet, povolen\u00e9 p\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu a podobn\u011b. V z\u00e1sad\u011b jde ale o stejn\u00fd produkt. Pokud m\u00e1te sjednan\u00fd kontokorent, m\u00e1te mo\u017enost j\u00edt na sv\u00e9m \u00fa\u010dtu do m\u00ednusu. Norm\u00e1ln\u011b v\u00e1m to \u00fa\u010det neumo\u017en\u00ed, a pokud ano, m\u016f\u017eete platit dost vysok\u00e9 poplatky za ka\u017ed\u00fd den, ... <a href=\"https:\/\/www.zasekni.cz\/vyplati-se-poridit-si-kontokorent\/\" class=\"more-link\">P\u0159e\u010d\u00edst<span class=\"screen-reader-text\"> \"Vyplat\u00ed se po\u0159\u00eddit si kontokorent?\"<\/span> &raquo;<\/a>","datePublished":"2026-05-02","dateModified":"2026-05-02","author":{"@type":"Person","@id":"https:\/\/www.zasekni.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zasekni.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9cac53ffad5d6e0659d72eaf216400c165f8fbf396c79017c66698a8aa5be23d?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zasekni.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.zasekni.cz\/wp-content\/uploads\/igal-ness-9wY2ofzQ9Us-unsplash%20(1).jpg","url":"https:\/\/www.zasekni.cz\/wp-content\/uploads\/igal-ness-9wY2ofzQ9Us-unsplash%20(1).jpg","height":0,"width":0},"url":"https:\/\/www.zasekni.cz\/vyplati-se-poridit-si-kontokorent\/","about":["V\u00fdrobky"],"wordCount":400,"articleBody":"      Kontokorent nen\u00ed zn\u00e1m jen pod n\u00e1zvem kontokorent. M\u016f\u017eete se setkat tak\u00e9 s pojmem povolen\u00fd debet, povolen\u00e9 p\u0159e\u010derp\u00e1n\u00ed \u00fa\u010dtu a podobn\u011b. V z\u00e1sad\u011b jde ale o stejn\u00fd produkt. Pokud m\u00e1te sjednan\u00fd kontokorent, m\u00e1te mo\u017enost j\u00edt na sv\u00e9m \u00fa\u010dtu do m\u00ednusu. Norm\u00e1ln\u011b v\u00e1m to \u00fa\u010det neumo\u017en\u00ed, a pokud ano, m\u016f\u017eete platit dost vysok\u00e9 poplatky za ka\u017ed\u00fd den, kdy bude v\u00e1\u0161 \u00fa\u010det v m\u00ednusu. S kontokorentem je to ale jinak. Ten v\u00e1m umo\u017en\u00ed j\u00edt do m\u00ednusu a\u017e do takov\u00e9 \u010d\u00e1stky, jakou m\u00e1te od sv\u00e9 banky nastavenou. Nejprve je pot\u0159eba samoz\u0159ejm\u011b o kontokorent za\u017e\u00e1dat a banka v\u00e1m ho mus\u00ed schv\u00e1lit. Nen\u00ed to tak, \u017ee si zalo\u017e\u00edte \u00fa\u010det a automaticky na n\u011bm budete m\u00edt i kontokorent. Nej\u010dast\u011bji to b\u00fdv\u00e1 10\u201350 000.Funguje to tak, \u017ee kdy\u017e m\u00e1te na \u00fa\u010dtu t\u0159eba 2000 a zaplat\u00edte 5000, vyu\u017eili jste z kontokorentu 3000. Jakmile v\u00e1m na \u00fa\u010det p\u0159ijdou pen\u00edze, kontokorent se t\u00edm dorovn\u00e1 a automaticky se splat\u00ed dluh. Samoz\u0159ejm\u011b za tu dobu, co kontokorent \u010derp\u00e1te, plat\u00edte tak\u00e9 \u00faroky, proto\u017ee si p\u016fj\u010dujete od banky pen\u00edze, i kdy\u017e ne \u00fapln\u011b tradi\u010dn\u00edm zp\u016fsobem.V\u00fdhodou kontokorentu je hlavn\u011b to, \u017ee m\u00e1te finan\u010dn\u00ed rezervu pro nenad\u00e1l\u00e9 p\u0159\u00edpady. T\u0159eba kdy\u017e se v\u00e1m pokaz\u00ed spot\u0159ebi\u010d, pot\u0159ebujete pen\u00edze na opravu auta nebo jen nevyjdete s v\u00fdplatou. M\u016f\u017eete s\u00e1hnout po kontokorentu m\u00edsto toho, abyste si museli \u017e\u00e1dat o p\u016fj\u010dku.Kontokorent je taky skv\u011bl\u00fd v tom, \u017ee ho vyu\u017eijete a\u017e tehdy, kdy ho pot\u0159ebujete. Pokud ho nepot\u0159ebujete, nijak ho ne\u010derp\u00e1te a neplat\u00edte z n\u011bj ani \u00faroky. Ale st\u00e1le m\u00e1te na \u00fa\u010dtu rezervu pro p\u0159\u00edpad, kdyby n\u00e1hodou. \u00daroky nav\u00edc plat\u00edte jen z \u010d\u00e1stky, kterou skute\u010dn\u011b \u010derp\u00e1te, ne z cel\u00e9ho kontokorentu. Co\u017e je dob\u0159e, proto\u017ee je opravdu rozd\u00edl platit \u00faroky z pades\u00e1ti tis\u00edc nebo z vy\u010derpan\u00fdch 3000 korun.Pokud kontokorent nem\u00e1te, ur\u010dit\u011b pouva\u017eujte o tom, \u017ee si ho po\u0159\u00edd\u00edte. Jako rezerva pro ne\u010dekan\u00e9 ud\u00e1losti je to skv\u011bl\u00e1 volba s n\u00edzk\u00fdm rizikem neschopnosti spl\u00e1cet.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vyplat\u00ed se po\u0159\u00eddit si kontokorent?","item":"https:\/\/www.zasekni.cz\/vyplati-se-poridit-si-kontokorent\/#breadcrumbitem"}]}]