[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wasy.cz\/jste-v-plusu-nebo-v-minusu\/#Article","mainEntityOfPage":"https:\/\/www.wasy.cz\/jste-v-plusu-nebo-v-minusu\/","headline":"Jste v plusu nebo v m\u00ednusu?","name":"Jste v plusu nebo v m\u00ednusu?","description":"M\u00e1te pen\u00edze u banky, kter\u00e1 v\u00e1m dovoluje j\u00edt do m\u00ednusu? M\u00e1te tzv. kontokorent, kter\u00fd je vlastn\u011b takovou men\u0161\u00ed p\u016fj\u010dkou, proto\u017ee ka\u017ed\u00e1 banka stanovuje maxim\u00e1ln\u00ed v\u00fd\u0161ku kontokorentu a vy si m\u016f\u017eete sami zvolit, jak velk\u00fd kontokorent chcete. Pochopiteln\u011b \u010d\u00edm vy\u0161\u0161\u00ed kontokorent si nastav\u00edte, t\u00edm v\u011bt\u0161\u00ed poplatky si banka \u00fa\u010dtuje. Kdy\u017e jsem si p\u0159ed l\u00e9ty vyb\u00edrala banku, […]","datePublished":"2023-06-27","dateModified":"2023-07-27","author":{"@type":"Person","@id":"https:\/\/www.wasy.cz\/author\/#Person","name":"","url":"https:\/\/www.wasy.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/aa13f0f1a5b61a2deba1492ce3bb4afe8e77d91eeb44c23db0ee08765a93abad?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wasy.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wasy.cz\/wp-content\/uploads\/pexels-cottonbro-studio-3943716_1.jpg","url":"https:\/\/www.wasy.cz\/wp-content\/uploads\/pexels-cottonbro-studio-3943716_1.jpg","height":0,"width":0},"url":"https:\/\/www.wasy.cz\/jste-v-plusu-nebo-v-minusu\/","about":["Finance"],"wordCount":438,"articleBody":"   M\u00e1te pen\u00edze u banky, kter\u00e1 v\u00e1m dovoluje j\u00edt do m\u00ednusu? M\u00e1te tzv. kontokorent, kter\u00fd je vlastn\u011b takovou men\u0161\u00ed p\u016fj\u010dkou, proto\u017ee ka\u017ed\u00e1 banka stanovuje maxim\u00e1ln\u00ed v\u00fd\u0161ku kontokorentu a vy si m\u016f\u017eete sami zvolit, jak velk\u00fd kontokorent chcete. Pochopiteln\u011b \u010d\u00edm vy\u0161\u0161\u00ed kontokorent si nastav\u00edte, t\u00edm v\u011bt\u0161\u00ed poplatky si banka \u00fa\u010dtuje.Kdy\u017e jsem si p\u0159ed l\u00e9ty vyb\u00edrala banku, l\u00edbila se mi jedna, kter\u00e1 m\u011bla spoustu v\u00fdhod, bez poplatk\u016f a pod, ale brala jsem tenkr\u00e1t jako drobnou nev\u00fdhodu, \u017ee nenab\u00edz\u00ed kontokorent. Na druhou stranu, nen\u00ed kontokorent, nejsou poplatky nav\u00edc. Po \u010dase jsem ale p\u0159i\u0161la na to, \u017ee to \u017ee nem\u00e1m kontokorent a t\u00edm p\u00e1dem se nem\u016f\u017ee dostat do m\u00ednusu, je velice dobr\u00e1 v\u011bc, jak se nau\u010dit hospoda\u0159it s pen\u011bzi. Nau\u010dilo m\u011b to kupovat si pouze v\u011bci, na kter\u00e9 m\u00e1m. M\u00edt toti\u017e sjednan\u00fd kontokorent a m\u00e1t mo\u017enost dost\u00e1vat se do m\u00ednusu n\u00e1s \u010dasem m\u016f\u017ee p\u0159iv\u00e9zt do nemal\u00fdch probl\u00e9m\u016f. V podm\u00ednk\u00e1ch toti\u017e v\u011bt\u0161inou stoj\u00ed, \u017ee jednou za rok se mus\u00edte dostat nad nulu, mus\u00edte m\u00edt na \u00fa\u010dtu kladnou hodnotu a to, pokud m\u00e1te sjednan\u00fd vy\u0161\u0161\u00ed kontokorent, t\u0159eba a\u017e 100.000K\u010d, to m\u016f\u017ee b\u00fdt velk\u00fd probl\u00e9m, kde tyto pen\u00edze najednou vz\u00edt. A m\u016f\u017eete se snadno dostat do spir\u00e1ly p\u016fj\u010dka \u2013 spl\u00e1tka, a pokud nebudete spl\u00e1cet, tak do dluh\u016f a exekuce. A pokud se jednou dostanete do registru neplati\u010d\u016f, bude m\u00edt u v\u0161ech bank probl\u00e9m. Je m\u00e1lo pravd\u011bpodobn\u00e9, \u017ee byste u banky z\u00edskali \u00fav\u011br nebo hypot\u00e9ku. Banka d\u0159\u00edv\u011bj\u0161\u00ed proh\u0159e\u0161ky neodpou\u0161t\u00ed. Ale i tahle situace m\u00e1 \u0159e\u0161en\u00ed pomoc\u00ed hypot\u00e9ky bez registru americkahypoteka.Je t\u011b\u017ek\u00e9 radit, jak hospoda\u0159it s pen\u011bzi, pokud v\u00e1m nevad\u00ed p\u016fj\u010dovat si pen\u00edze a dost\u00e1vat se v sv\u00e9m bankovn\u00edm \u00fa\u010dtu do m\u00ednusu. Ka\u017edop\u00e1dn\u011b byste ale m\u011bli m\u00edt v\u017edy jasnou p\u0159edstavu, kolik si m\u016f\u017eete dovolit dlu\u017eit a hlavn\u011b jak tuto \u010d\u00e1stku chcete spl\u00e1cet. A z\u00e1rove\u0148 v\u017edy po\u010d\u00edtat s t\u00edm, \u017ee mohou p\u0159ij\u00edt ne\u010dekan\u00e9 v\u00fddaje. Nen\u00ed jednoduch\u00e9 m\u00edt dom\u00e1c\u00ed rozpo\u010det vyrovnan\u00fd.A co vy? M\u00e1te kontokorent a vyu\u017e\u00edv\u00e1te jej nebo jste na sv\u00e9m \u00fa\u010dtu st\u00e1le v plusu?                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jste v plusu nebo v m\u00ednusu?","item":"https:\/\/www.wasy.cz\/jste-v-plusu-nebo-v-minusu\/#breadcrumbitem"}]}]