[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.protonix.sk\/zakladne-financne-pojmy\/#Article","mainEntityOfPage":"https:\/\/www.protonix.sk\/zakladne-financne-pojmy\/","headline":"Z\u00e1kladn\u00e9 finan\u010dn\u00e9 pojmy","name":"Z\u00e1kladn\u00e9 finan\u010dn\u00e9 pojmy","description":"Americk\u00e1 hypot\u00e9ka\u00a0\u00a0\u00a0 Ide o \u00faver isten\u00fd nehnute\u013enos\u0165ou, ktor\u00fd nie je \u00fa\u010delovo viazan\u00fd na n\u00e1kup nehnute\u013enosti ani pozemku. \u00a0 Anuita\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ide o spl\u00e1tku, ktor\u00e1 sa po cel\u00fa dobu spl\u00e1cania nemen\u00ed a sklad\u00e1 sa s \u00farokov a \u00famoru istiny. \u00a0 Bonita\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Je to schopnos\u0165 a ochota klienta spl\u00e1ca\u0165 \u00faver. Banka sk\u00fama pomer medzi pr\u00edjmami a v\u00fddavkami klienta.","datePublished":"2020-10-21","dateModified":"2023-04-25","author":{"@type":"Person","@id":"https:\/\/www.protonix.sk\/author\/#Person","name":"protonix.sk\n","url":"https:\/\/www.protonix.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/93869824c8aa580f0d16049ad31e69846ffc925e0cbb2826cc9554f53943da69?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"protonix.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.protonix.sk\/wp-content\/uploads\/img_a279591_w2005_t1601626330.png","url":"https:\/\/www.protonix.sk\/wp-content\/uploads\/img_a279591_w2005_t1601626330.png","height":0,"width":0},"url":"https:\/\/www.protonix.sk\/zakladne-financne-pojmy\/","about":["Financie"],"wordCount":380,"articleBody":"Americk\u00e1 hypot\u00e9ka\u00a0\u00a0\u00a0 Ide o \u00faver isten\u00fd nehnute\u013enos\u0165ou, ktor\u00fd nie je \u00fa\u010delovo viazan\u00fd na n\u00e1kup nehnute\u013enosti ani pozemku.\u00a0Anuita\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ide o spl\u00e1tku, ktor\u00e1 sa po cel\u00fa dobu spl\u00e1cania nemen\u00ed a sklad\u00e1 sa s \u00farokov a \u00famoru istiny.\u00a0Bonita\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Je to schopnos\u0165 a ochota klienta spl\u00e1ca\u0165 \u00faver. Banka sk\u00fama pomer medzi pr\u00edjmami a v\u00fddavkami klienta.\u00a0Debetn\u00e1 karta\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Je spojen\u00e1 s be\u017en\u00fdm \u00fa\u010dtom, jej u\u017e\u00edvate\u013e teda m\u00ed\u0148a svoje peniaze, ktor\u00e9 m\u00e1 na svojom \u00fa\u010dte. Ide vlastne len o sp\u00f4sob, ako financie dosta\u0165 zo svojho \u00fa\u010dtu do banky toho, komu plat\u00edme.\u00a0Hypot\u00e9ka\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 \u00da\u010delov\u00fd \u00faver ur\u010den\u00fd na k\u00fapu alebo v\u00fdstavbu nehnute\u013enosti alebo na jej opravu, moderniz\u00e1ciu \u010di rekon\u0161trukciu, alebo ku spl\u00e1caniu sk\u00f4r poskytnut\u00fdch \u00faverov, ktor\u00e9 boli pou\u017eit\u00e9 na invest\u00edcie do nehnute\u013enosti. V\u017edy mus\u00ed by\u0165 zabezpe\u010den\u00e1 z\u00e1lo\u017en\u00fdm pr\u00e1vom.\u00a0Kreditn\u00e1 karta\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 T\u00e1to karta je druhom \u00faveru. Pri platen\u00ed si po\u017ei\u010diavame od banky a minut\u00e9 peniaze mus\u00edme n\u00e1sledne splati\u0165.\u00a0Konsolid\u00e1cia\u00a0 Zl\u00fa\u010denie viac p\u00f4\u017ei\u010diek do jednej s cie\u013eom z\u00edskania v\u00fdhodnej\u0161\u00edch podmienok.\u00a0Kontokorentn\u00ed \u00fa\u010det\u00a0\u00a0\u00a0\u00a0 Ide o pre\u010derpanie be\u017en\u00e9ho \u00fa\u010dtu do m\u00ednusu. Jedn\u00e1 sa vlastne o ne\u00fa\u010delov\u00fd a nezaisten\u00fd \u00faver. Prim\u00e1rne je ur\u010den\u00fd na vykrytie kr\u00e1tkej doby.\u00a0On-line banka\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Pr\u00edstup k \u00fa\u010dtu cez internet, prostredn\u00edctvom ktor\u00e9ho sa daj\u00fa realizova\u0165 platby, sledova\u0165 pohyby, prezera\u0165 v\u00fdpisy, dob\u00edja\u0165 karty mobilov alebo dojedna\u0165 p\u00f4\u017ei\u010dku, kontokorentn\u00ed \u00fa\u010det, poistenie alebo platobn\u00e9 karty.\u00a0Phishing\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Jedn\u00e1 sa o podvodn\u00e9 maily, ktor\u00e9 maj\u00fa vzbudi\u0165 dojem, \u017ee boli odoslan\u00e9 Va\u0161ou bankou a vyz\u00edvaj\u00fa na potvrdenie Va\u0161ich prihlasovac\u00edch \u00fadajov a hesiel.\u00a0RPMN\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Ro\u010dn\u00e1 percentu\u00e1lna miera n\u00e1kladov je najd\u00f4le\u017eitej\u0161\u00edm ukazovate\u013eom v\u00fdhodnosti \u00faveru. Okrem \u00faroku obsahuje aj v\u0161etky poplatky.\u00a0Skimming\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Kop\u00edrovanie platobn\u00fdch kariet pomocou \u0161peci\u00e1lneho sn\u00edmacieho zariadenia, ktor\u00e9 p\u00e1chatelia umiest\u0148uj\u00fa priamo na bankomaty.\u00a0Spotrebite\u013esk\u00fd \u00faver\u00a0\u00a0 Ak banke ozn\u00e1mite, na \u010do si konkr\u00e9tne peniaze po\u017ei\u010diavate, potom sa jedn\u00e1 o \u00fa\u010delov\u00fa p\u00f4\u017ei\u010dku. Ak t\u00fato inform\u00e1ciu neozn\u00e1mite, ide o ne\u00fa\u010delov\u00fd \u00faver.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (7 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Z\u00e1kladn\u00e9 finan\u010dn\u00e9 pojmy","item":"https:\/\/www.protonix.sk\/zakladne-financne-pojmy\/#breadcrumbitem"}]}]