[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.czbaleno.cz\/co-jsou-terminovane-vklady\/#Article","mainEntityOfPage":"https:\/\/www.czbaleno.cz\/co-jsou-terminovane-vklady\/","headline":"Co jsou term\u00ednovan\u00e9 vklady?","name":"Co jsou term\u00ednovan\u00e9 vklady?","description":"Pokud se rozhodnete pro term\u00ednovan\u00fd vklad, nelze od n\u011bho v\u00a0dne\u0161n\u00ed dob\u011b bohu\u017eel, moc velk\u00fd v\u00fdnos o\u010dek\u00e1vat. Sp\u00ed\u0161e m\u016f\u017eete p\u0159edpokl\u00e1dat jen to, \u017ee inflace va\u0161e ulo\u017een\u00e9 pen\u00edze tolik neznehodnot\u00ed. Tento vklad, v dne\u0161n\u00ed dob\u011b n\u00edzk\u00fdch \u00farokov\u00fdch sazeb, ocen\u00ed zejm\u00e9na velmi konzervativn\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed obavu vyu\u017e\u00edt nap\u0159\u00edklad pod\u00edlov\u00e9 fondy. Pokud m\u00e1te k dispozici v\u011bt\u0161\u00ed sumu pen\u011bz […]","datePublished":"2018-06-05","dateModified":"2018-06-05","author":{"@type":"Person","@id":"https:\/\/www.czbaleno.cz\/author\/#Person","name":"","url":"https:\/\/www.czbaleno.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/53fcaa7178df0f37d30678446939b206ab1017330cccbc8c93b5efa33cddcf51?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/53fcaa7178df0f37d30678446939b206ab1017330cccbc8c93b5efa33cddcf51?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"czbaleno.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.czbaleno.cz\/wp-content\/uploads\/img_a321981_w2421_t1533456074.jpg","url":"https:\/\/www.czbaleno.cz\/wp-content\/uploads\/img_a321981_w2421_t1533456074.jpg","height":0,"width":0},"url":"https:\/\/www.czbaleno.cz\/co-jsou-terminovane-vklady\/","about":["Online"],"wordCount":556,"articleBody":"Pokud se rozhodnete pro term\u00ednovan\u00fd vklad, nelze od n\u011bho v\u00a0dne\u0161n\u00ed dob\u011b bohu\u017eel, moc velk\u00fd v\u00fdnos o\u010dek\u00e1vat. Sp\u00ed\u0161e m\u016f\u017eete p\u0159edpokl\u00e1dat jen to, \u017ee inflace va\u0161e ulo\u017een\u00e9 pen\u00edze tolik neznehodnot\u00ed. Tento vklad, v dne\u0161n\u00ed dob\u011b n\u00edzk\u00fdch \u00farokov\u00fdch sazeb, ocen\u00ed zejm\u00e9na velmi konzervativn\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed obavu vyu\u017e\u00edt nap\u0159\u00edklad pod\u00edlov\u00e9 fondy. Pokud m\u00e1te k dispozici v\u011bt\u0161\u00ed sumu pen\u011bz a aktu\u00e1ln\u011b ji nepot\u0159ebujete, tento vklad je vhodn\u00e1 volba. Pen\u00edze se na term\u00ednovan\u00e9 vklady nepos\u00edlaj\u00ed pravideln\u011b, \u010d\u00e1stku jednor\u00e1zov\u011b ulo\u017e\u00edte. Tato \u010d\u00e1stka b\u00fdv\u00e1 omezena minim\u00e1ln\u00edm vkladem, n\u011bkdy sta\u010d\u00ed 100 K\u010d, jindy zas 100 00 K\u010d.\tTerm\u00ednovan\u00fd vklad p\u0159in\u00e1\u0161\u00ed obvykle vy\u0161\u0161\u00ed zhodnocen\u00ed ne\u017e spo\u0159ic\u00ed \u00fa\u010det. Oproti n\u011bmu je ale nev\u00fdhodou to, \u017ee v\u00fdb\u011br pen\u011bz je omezen p\u0159edem stanovenou dobou spo\u0159en\u00ed. Sv\u00e9 pen\u00edze tedy m\u016f\u017eete vybrat a\u017e po ur\u010dit\u00e9 dob\u011b. Tyto vklady a jejich v\u00fdhody se li\u0161\u00ed podle toho, jakou zvol\u00edte banku, nebo dru\u017estevn\u00ed z\u00e1lo\u017enu.\t\u00darokov\u00e1 sazba je vlastn\u011b bankou ur\u010den\u00e9 ro\u010dn\u00ed procentn\u00ed nav\u00fd\u0161en\u00ed vlo\u017een\u00e9 \u010d\u00e1stky. Li\u0161\u00ed v z\u00e1vislosti na tom, od jak\u00e9ho poskytovatele term\u00ednovan\u00fd vklad z\u00edsk\u00e1te. V\u00fd\u0161e \u00faroku souvis\u00ed tak\u00e9 s t\u00edm, jak velk\u00fd finan\u010dn\u00ed obnos vlo\u017e\u00edte a na jak dlouho. \tKa\u017ed\u00fd si ale mus\u00ed spo\u010d\u00edtat, zda d\u00e1 d\u016fv\u011bru bance, nebo dru\u017estevn\u00ed z\u00e1lo\u017en\u011b. Kdo ale m\u00e1 o sv\u00e9 investice obavy, m\u011bl by v\u011bd\u011bt, term\u00ednovan\u00e9 vklady v bankovn\u00edch domech a z\u00e1lo\u017en\u00e1ch jsou poji\u0161t\u011bny do v\u00fd\u0161e, kter\u00e1 je ur\u010dena z\u00e1konem.\tBankovn\u00ed term\u00ednovan\u00e9 vklady\tVelk\u00e9 mno\u017estv\u00ed bankovn\u00edch dom\u016f nab\u00edz\u00ed tento produkt, je pot\u0159eba si v\u00a0klidu sednout a dle nab\u00eddky vybrat tu nejvhodn\u011bj\u0161\u00ed dle va\u0161\u00ed p\u0159edstavy, referenc\u00ed a hlavn\u011b porovnat aktu\u00e1ln\u00ed \u00farokov\u00e9 sazby. Konzervativn\u011bj\u0161\u00ed klienty \u010dasto l\u00e1kaj\u00ed spo\u0159ic\u00ed \u00fa\u010dty men\u0161\u00edch bank, pro nov\u00e9 klienty nab\u00edz\u00ed lep\u0161\u00edho \u00faroky a n\u011bkdy i mo\u017enost, m\u00edt pen\u00edze ihned k dispozici. Ale i tady je t\u0159eba kontrolovat v\u00fd\u0161i \u00farokov\u00e9 sazby, kter\u00e1 se m\u016f\u017ee ka\u017ed\u00e9 t\u0159i m\u011bs\u00edce zm\u011bnit.\tDru\u017estevn\u00ed z\u00e1lo\u017eny\tTyto z\u00e1lo\u017eny (kampeli\u010dky, n\u011bkdy se naz\u00fdvaj\u00ed spo\u0159iteln\u00ed dru\u017estva) konkuruj\u00ed velk\u00fdm bank\u00e1m v\u00a0nab\u00eddk\u00e1ch r\u016fzn\u00fdch spo\u0159\u00edc\u00edch a term\u00ednovan\u00fdch \u00fa\u010dt\u016f. Kdo chce vyu\u017e\u00edt jejich slu\u017eeb, mus\u00ed se nejd\u0159\u00edve st\u00e1t jejich \u010dlenem a uhradit \u010dlensk\u00fd poplatek. Jeho v\u00fd\u0161e z\u00e1vis\u00ed na tom, kolik pen\u011bz budete cht\u00edt spo\u0159it. \u010clensk\u00fd vklad je sice vratn\u00fd, v\u00a0p\u0159\u00edpad\u011b krachu o n\u011bj ale m\u016f\u017eete p\u0159ij\u00edt, jeliko\u017e se ho net\u00fdk\u00e1 poji\u0161t\u011bn\u00ed vklad\u016f.\u00a0\tJe\u0161t\u011b jedna rada na z\u00e1v\u011br, pokud p\u0159eci jen se chcete poradit s\u00a0finan\u010dn\u00edm poradcem, je dobr\u00e9 si ho ov\u011b\u0159it na webu \u010cesk\u00e9 n\u00e1rodn\u00ed banky. Vyu\u017e\u00edt m\u016f\u017eete i rejst\u0159\u00edk finan\u010dn\u00edch subjekt\u016f, kter\u00fd p\u0159eb\u00edr\u00e1 data od \u010cNB. A tak\u00e9 jestli m\u00e1 investi\u010dn\u00ed poradenstv\u00ed povolen\u00e9 provozovat.                                                                                                                                                                                                                                                                                                                                                                                        4.3\/5 - (13 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co jsou term\u00ednovan\u00e9 vklady?","item":"https:\/\/www.czbaleno.cz\/co-jsou-terminovane-vklady\/#breadcrumbitem"}]}]