[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.harsa.cz\/lze-vyhodne-skombinovat-kontokorent-s-kreditni-kartou\/#Article","mainEntityOfPage":"https:\/\/www.harsa.cz\/lze-vyhodne-skombinovat-kontokorent-s-kreditni-kartou\/","headline":"Lze v\u00fdhodn\u011b skombinovat kontokorent s kreditn\u00ed kartou?","name":"Lze v\u00fdhodn\u011b skombinovat kontokorent s kreditn\u00ed kartou?","description":"U b\u011b\u017en\u00e9ho bankovn\u00edho \u00fa\u010dtu lze \u010derpat \u00fav\u011br, kter\u00fd m\u016f\u017ee p\u0159es\u00e1hnout i sto tis\u00edc korun, ale pro \u010dasov\u00e1 obdob\u00ed del\u0161\u00ed ne\u017e 3 m\u011bs\u00edce jde o velmi nev\u00fdhodn\u00fd produkt. Pro\u010d? Jde o to, \u017ee kontokorent se \u00faro\u010d\u00ed velmi vysok\u00fdm \u00farokem. Kontokorent je v\u00fdhodn\u00fd pouze u kr\u00e1tk\u00fdch obdob\u00ed k p\u0159eklenut\u00ed finan\u010dn\u00ed t\u00edsn\u011b, zpravidla tehdy, kdy\u017e se zpozd\u00ed v\u00fdplata a […]","datePublished":"2023-05-05","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.harsa.cz\/author\/#Person","name":"harsa.cz","url":"https:\/\/www.harsa.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/4c6f4cec51e1a1b20d9361c6367b917eb8db239c023f88502d2833b745a358d4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4c6f4cec51e1a1b20d9361c6367b917eb8db239c023f88502d2833b745a358d4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"harsa.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.harsa.cz\/wp-content\/uploads\/img_a308389_w2455_t1519471587.jpg","url":"https:\/\/www.harsa.cz\/wp-content\/uploads\/img_a308389_w2455_t1519471587.jpg","height":0,"width":0},"url":"https:\/\/www.harsa.cz\/lze-vyhodne-skombinovat-kontokorent-s-kreditni-kartou\/","about":["Finance"],"wordCount":518,"articleBody":"U b\u011b\u017en\u00e9ho bankovn\u00edho \u00fa\u010dtu lze \u010derpat \u00fav\u011br, kter\u00fd m\u016f\u017ee p\u0159es\u00e1hnout i sto tis\u00edc korun, ale pro \u010dasov\u00e1 obdob\u00ed del\u0161\u00ed ne\u017e 3 m\u011bs\u00edce jde o velmi nev\u00fdhodn\u00fd produkt. Pro\u010d? Jde o to, \u017ee kontokorent se \u00faro\u010d\u00ed velmi vysok\u00fdm \u00farokem.Kontokorent je v\u00fdhodn\u00fd pouze u kr\u00e1tk\u00fdch obdob\u00ed k p\u0159eklenut\u00ed finan\u010dn\u00ed t\u00edsn\u011b, zpravidla tehdy, kdy\u017e se zpozd\u00ed v\u00fdplata a z \u00fa\u010dtu odch\u00e1z\u00ed pravideln\u00e9 platby nap\u0159. z\u00e1loh energi\u00ed. Tato kr\u00e1tkodob\u00e1 obdob\u00ed maj\u00ed b\u00fdt \u0159\u00e1dov\u011b pouze dny, nikoliv n\u011bkolik m\u011bs\u00edc\u016f. Dlouhodob\u00e9 p\u016fj\u010dky a \u00fav\u011bry mus\u00ed m\u00edt mnohem ni\u017e\u0161\u00ed \u00farokovou sazbu, takov\u00e9 jsou nap\u0159. spot\u0159ebitelsk\u00e9 bankovn\u00ed, ale i nebankovn\u00ed \u00fav\u011bry, nap\u0159. od spole\u010dnosti Home Credit. N\u011bkter\u00e9 spole\u010dnosti umo\u017e\u0148uj\u00ed po ur\u010dit\u00e9 obdob\u00ed spl\u00e1cet dokonce i bez nav\u00fd\u0161en\u00ed, ka\u017edop\u00e1dn\u011b se vyplat\u00ed vyu\u017e\u00edt slu\u017eeb Internetu a spl\u00e1tkov\u00e9 kalkula\u010dky.\tBez\u00faro\u010dn\u00e9 obdob\u00ed kreditn\u00ed kartyLid\u00e9, kte\u0159\u00ed kontokorent vyu\u017e\u00edvaj\u00ed pravideln\u011b a v pom\u011brn\u011b del\u0161\u00edch \u010dasov\u00fdch \u00fasec\u00edch, by m\u011bli vyzkou\u0161et bez\u00faro\u010dn\u00e9 obdob\u00ed, kter\u00e9 poskytuje kreditn\u00ed karta. Tu lze s kontokorentem vhodn\u011b nakombinovat.\tP\u0159ibli\u017en\u00fd modelov\u00fd p\u0159\u00edkladJako p\u0159\u00edklad m\u016f\u017eeme uv\u00e9st n\u011bkoho, kdo si chce zakoupit zbo\u017e\u00ed za 10 tis\u00edc korun na \u00fav\u011br. Prvn\u00ed rok je z\u0159\u00eddit \u00fa\u010det s kreditn\u00ed kartou, za kterou se nic neplat\u00ed, neplat\u00ed se rovn\u011b\u017e za z\u0159\u00edzen\u00ed kontokorentu. Bez\u00faro\u010dn\u00e9 obdob\u00ed je na kart\u011b, \u0159ekn\u011bme, 50 dn\u016f. Zbo\u017e\u00ed tedy bude doty\u010dn\u00fd platit kreditn\u00ed kartou a nav\u00edc je\u0161t\u011b zpravidla z\u00edsk\u00e1 slevu kolem dvou procent, kter\u00e1 zv\u00fdhod\u0148uje platby kreditkou.Ke konci bez\u00faro\u010dn\u00e9ho obdob\u00ed nebude doty\u010dn\u00fd  (pro ilustraci) m\u00edt k dispozici dostatek voln\u00fdch prost\u0159edk\u016f na uhrazen\u00ed p\u016fj\u010dky, bude se tedy n\u00e1sledn\u011b rozhodovat, zda bude platit \u00farok z \u00fav\u011bru p\u0159es kreditn\u00ed kartu (sazba 1,9% p.m.), nebo do kreditn\u00ed karty na\u010derpat finance z kontokorentu a platit tedy \u00farok z n\u011bj. Kontokorent je sice \u00faro\u010den sazbou 15% p.a., ale je zde p\u0159edpoklad, \u017ee finance budou k dispozici do dvou m\u011bs\u00edc\u016f. (\u00darok z kreditn\u00ed karty p\u0159i ro\u010dn\u00edm \u00faro\u010den\u00ed vych\u00e1z\u00ed na 22,8%.) Na \u00faroc\u00edch se celkem tedy zaplat\u00ed 252 korun, co\u017e je 50 dn\u016f bez \u00faroku na kreditn\u00ed kartu a 60 dn\u016f na \u010derp\u00e1n\u00ed kontokorentu. Kdybychom porovnali kombinaci kreditky a kontokorentu se samotn\u00fdm kontokorentem nebo se samotnou kreditkou, z\u00edsk\u00e1me zaj\u00edmav\u00e9 \u00fadaje: U \u00fav\u011bru na kreditku se zaplat\u00ed na \u00faroc\u00edch 384 korun a u \u00fav\u011bru na kontokorent dokonce 510 korun! Z\u00e1le\u017e\u00ed ov\u0161em na tom, kolik klient plat\u00ed ro\u010dn\u011b za veden\u00ed kreditn\u00ed karty. Pokud je ro\u010dn\u00ed poplatek za kartu ji\u017e kolem 400 korun, tato kombinace se u jedin\u00e9 p\u016fj\u010dky 10 tis\u00edc korun nevyplat\u00ed. U vy\u0161\u0161\u00ed \u010d\u00e1stky kolem 20 tis\u00edc, nebo u \u010dast\u011bj\u0161\u00edch p\u016fj\u010dek se ale ji\u017e vyplat\u00ed.                                                                                                                                                                                                                                                                                                                                                                                        4.5\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Lze v\u00fdhodn\u011b skombinovat kontokorent s kreditn\u00ed kartou?","item":"https:\/\/www.harsa.cz\/lze-vyhodne-skombinovat-kontokorent-s-kreditni-kartou\/#breadcrumbitem"}]}]