[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.lomp.cz\/aktivni-operace-bank-dlouhodobe-uvery\/#Article","mainEntityOfPage":"https:\/\/www.lomp.cz\/aktivni-operace-bank-dlouhodobe-uvery\/","headline":"Aktivn\u00ed operace bank \u2013 dlouhodob\u00e9 \u00fav\u011bry","name":"Aktivn\u00ed operace bank \u2013 dlouhodob\u00e9 \u00fav\u011bry","description":"Ka\u017ed\u00fd m\u00e1me nejrad\u011bji, pokud m\u00e1me n\u011bjakou jistotu na dlouhou dobu dop\u0159edu zaji\u0161t\u011bnou, a\u0165 se to t\u00fdk\u00e1 soukrom\u00e9ho \u017eivota nebo na\u0161ich v\u00fdd\u011blk\u016f. Takov\u00fdm typem v\u00fdd\u011blk\u016f jsou nap\u0159\u00edklad pr\u00e1v\u011b dlouhodob\u00e9 \u00fav\u011bry pro v\u0161echny obchodn\u00ed banky. Tyto smlouvy se podepisuj\u00ed s\u00a0klienty na dlouh\u00e9 obdob\u00ed do budoucna, d\u00e9lka smluv se pohybuje minim\u00e1ln\u011b v\u00a0\u0159\u00e1dech des\u00edtek let. Pod\u00edv\u00e1me se, jak\u00e9 typy […]","datePublished":"2021-09-21","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.lomp.cz\/author\/#Person","name":"","url":"https:\/\/www.lomp.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/68b3ed45b3ae6ecdad6bfa25b4077e93536d7764172b2830acbdb661d7242512?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"lomp.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.lomp.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20financ%C3%AD_10.jpg","url":"https:\/\/www.lomp.cz\/wp-content\/uploads\/po%C4%8D%C3%ADt%C3%A1n%C3%AD%20financ%C3%AD_10.jpg","height":0,"width":0},"url":"https:\/\/www.lomp.cz\/aktivni-operace-bank-dlouhodobe-uvery\/","about":["Finance"],"wordCount":449,"articleBody":"Ka\u017ed\u00fd m\u00e1me nejrad\u011bji, pokud m\u00e1me n\u011bjakou jistotu na dlouhou dobu dop\u0159edu zaji\u0161t\u011bnou, a\u0165 se to t\u00fdk\u00e1 soukrom\u00e9ho \u017eivota nebo na\u0161ich v\u00fdd\u011blk\u016f. Takov\u00fdm typem v\u00fdd\u011blk\u016f jsou nap\u0159\u00edklad pr\u00e1v\u011b dlouhodob\u00e9 \u00fav\u011bry pro v\u0161echny obchodn\u00ed banky. Tyto smlouvy se podepisuj\u00ed s\u00a0klienty na dlouh\u00e9 obdob\u00ed do budoucna, d\u00e9lka smluv se pohybuje minim\u00e1ln\u011b v\u00a0\u0159\u00e1dech des\u00edtek let. Pod\u00edv\u00e1me se, jak\u00e9 typy t\u011bchto \u00fav\u011br\u016f mohou banky nap\u0159\u00edklad poskytovat. Hypote\u010dn\u00ed \u00fav\u011br\u00a0Tento pojem ur\u010dit\u011b v\u011bt\u0161ina z\u00a0v\u00e1s dob\u0159e zn\u00e1, a\u0165 u\u017e od doslechu \u010di z\u00a0vlastn\u00ed zku\u0161enosti. Slou\u017e\u00ed toti\u017e k\u00a0po\u0159\u00edzen\u00ed n\u011bjak\u00e9 nemovitosti. M\u016f\u017eete jej tedy vyu\u017e\u00edt, pokud si budete po\u0159izovat nap\u0159\u00edklad nov\u00fd d\u016fm, byt nebo klidn\u011b jen pozemek. Jak jist\u011b v\u00edte, tyhle z\u00e1le\u017eitosti nejsou nic levn\u00e9ho, a proto se spl\u00e1cen\u00ed \u0159ad\u00ed do dlouhodob\u00fdch \u00fav\u011br\u016f. Jako ur\u010dit\u00e1 jistota pro banky, aby m\u011bli svoji investici do v\u00e1s, poji\u0161t\u011bnou, je z\u00e1stava va\u0161eho nemovit\u00e9ho majetku, kter\u00fd na \u010derpan\u00fd \u00fav\u011br po\u0159izujeme. Je to nejm\u00e9n\u011b rizikov\u00fd druh \u00fav\u011bru pro banku, jeliko\u017e, pokud bychom \u00fav\u011br z\u00a0n\u011bjak\u00e9ho d\u016fvodu n\u00e1sledn\u011b nespl\u00e1celi, banka by n\u00e1m skrze exekuci majetek zabavila a v podstat\u011b by si jej sama odkoupila a mohla s\u00a0n\u00edm nakl\u00e1dat d\u00e1le, jak by sama uznala za vhodn\u00e9. U tohoto druhu hypot\u00e9ky se tak\u00e9 ud\u00e1v\u00e1 takzvan\u00e9 \u201efixa\u010dn\u00ed\u201c obdob\u00ed, to znamen\u00e1 obdob\u00ed, kdy m\u00e1 klient jasn\u011b stanovenou \u00farokovou sazbu, kter\u00e1 se nem\u011bn\u00ed.Leasing\u00a0Tento druh \u00fav\u011bru m\u016f\u017eou vyu\u017e\u00edvat nap\u0159\u00edklad automobilov\u00e9 spole\u010dnosti prod\u00e1vaj\u00edc\u00ed vozy. Ur\u010dit\u011b jste u\u017e n\u011bkdy sly\u0161eli, \u017ee si n\u011bkdo po\u0159\u00eddil vozidlo skrze leasing. Je to dal\u0161\u00ed forma takov\u00e9ho \u00fav\u011bru, leasing funguje na principu, \u017ee majetek, po celou dobu ne\u017e je splacen, pat\u0159\u00ed leasingov\u00e9 spole\u010dnosti. Leasing m\u016f\u017eeme rozd\u011blit na n\u011bkolik druh\u016f. Prvn\u00edm z\u00a0nich je \u201eoperativn\u00ed\u201c. Tento druh leasingu je kr\u00e1tkodob\u00fd, funguje na principu, \u017ee majetek n\u011bjakou dobu vyu\u017e\u00edv\u00e1me, n\u00e1sledn\u011b jej ale vr\u00e1t\u00edme.Druh\u00fdm typem je leasing \u201efinan\u010dn\u00ed\u201c. V\u00a0p\u0159\u00edpad\u011b tohoto typu, majetek pou\u017e\u00edv\u00e1me n\u011bjakou ur\u010ditou dobu a n\u00e1sledn\u011b jej odkoup\u00edme.Posledn\u00edm typem je \u201ezp\u011btn\u00fd\u201c leasing. Firma jej vyu\u017e\u00edv\u00e1 hlavn\u011b z\u00a0d\u016fvod\u016f okam\u017eit\u00e9 pot\u0159eby zisku pen\u011bz. Tud\u00ed\u017e, nap\u0159\u00edklad firma prod\u00e1 auto leasingov\u00e9 spole\u010dnosti, ale obratem jej za\u010dne pronaj\u00edmat.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Aktivn\u00ed operace bank \u2013 dlouhodob\u00e9 \u00fav\u011bry","item":"https:\/\/www.lomp.cz\/aktivni-operace-bank-dlouhodobe-uvery\/#breadcrumbitem"}]}]