[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ledex.sk\/terminovany-vs-sporiaci-ucet\/#Article","mainEntityOfPage":"https:\/\/www.ledex.sk\/terminovany-vs-sporiaci-ucet\/","headline":"Term\u00ednovan\u00fd vs. sporiaci \u00fa\u010det","name":"Term\u00ednovan\u00fd vs. sporiaci \u00fa\u010det","description":"Term\u00ednovan\u00fd \u00fa\u010det Ak m\u00e1te vo\u013en\u00e9 finan\u010dn\u00e9 prostriedky, m\u00f4\u017eete ich zhodnoti\u0165 v\u010faka term\u00ednovan\u00e9mu \u00fa\u010dtu, respekt\u00edve term\u00ednovan\u00e9mu vkladu. Funguje to tak, \u017ee peniaze vlo\u017e\u00edte na term\u00ednovan\u00fd \u00fa\u010det s t\u00fdm, \u017ee nejak\u00fa dobu na \u0148om bud\u00fa viazan\u00e9. Vklada\u0165 je mo\u017en\u00e9 jednorazovo alebo v\u00e1\u0161 vklad m\u00f4\u017ee by\u0165 obnovovan\u00fd automaticky. Zaniknutie jednorazov\u00e9ho vkladu nast\u00e1va po ukon\u010den\u00ed jeho viazanosti. Potom je […]","datePublished":"2018-10-06","dateModified":"2018-10-06","author":{"@type":"Person","@id":"https:\/\/www.ledex.sk\/author\/#Person","name":"","url":"https:\/\/www.ledex.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cfe4dae5aaf43720425415780408681beb9b9a829e9a657295ed1cacce5febc2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ledex.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ledex.sk\/wp-content\/uploads\/img_a291995_w16595_t1539261760.jpg","url":"https:\/\/www.ledex.sk\/wp-content\/uploads\/img_a291995_w16595_t1539261760.jpg","height":0,"width":0},"url":"https:\/\/www.ledex.sk\/terminovany-vs-sporiaci-ucet\/","wordCount":389,"articleBody":"Term\u00ednovan\u00fd \u00fa\u010detAk m\u00e1te vo\u013en\u00e9 finan\u010dn\u00e9 prostriedky, m\u00f4\u017eete ich zhodnoti\u0165 v\u010faka term\u00ednovan\u00e9mu \u00fa\u010dtu, respekt\u00edve term\u00ednovan\u00e9mu vkladu. Funguje to tak, \u017ee peniaze vlo\u017e\u00edte na term\u00ednovan\u00fd \u00fa\u010det s t\u00fdm, \u017ee nejak\u00fa dobu na \u0148om bud\u00fa viazan\u00e9. Vklada\u0165 je mo\u017en\u00e9 jednorazovo alebo v\u00e1\u0161 vklad m\u00f4\u017ee by\u0165 obnovovan\u00fd automaticky. Zaniknutie jednorazov\u00e9ho vkladu nast\u00e1va po ukon\u010den\u00ed jeho viazanosti. Potom je mo\u017en\u00e9 vklad bu\u010f obnovi\u0165 na rovnak\u00e9 obdobie, alebo ukon\u010di\u0165, a v tom pr\u00edpade sa peniaze preved\u00fa na v\u00e1\u0161 be\u017en\u00fd \u00fa\u010det, samozrejme aj spolu s \u00farokmi.\u00daroky banka m\u00f4\u017ee prev\u00e1dza\u0165 na v\u00e1\u0161 be\u017en\u00fd \u00fa\u010det, alebo sa v\u00e1m bud\u00fa pripisova\u0165 k vkladu. Ak sa pripisuj\u00fa k vkladu, tieto sa \u00faro\u010dia \u010falej a vy tak z\u00edskavate v podstate \u00faroky z \u00farokov. Pod\u013ea obdobia viazanosti del\u00edme term\u00ednovan\u00e9 vklady na kr\u00e1tkodob\u00e9, strednodob\u00e9 a dlhodob\u00e9. Vklady s viazanos\u0165ou do 1 roka sa pova\u017euj\u00fa za kr\u00e1tkodob\u00e9, s viazanos\u0165ou viac ako 1 rok za strednodob\u00e9 a tie dlhodob\u00e9 maj\u00fa viazanos\u0165 viac ako 5 rokov, tieto s\u00fa v\u0161ak v\u00fdnimo\u010dn\u00e9. V\u00fd\u0161ka \u00farokov z\u00e1vis\u00ed od doby viazanosti a sumy, ktor\u00fa vklad\u00e1te. Naj\u010dastej\u0161ia doba viazanosti, ktor\u00fa banky pon\u00fakaj\u00fa, je jeden, tri, \u0161es\u0165 a dev\u00e4\u0165 mesiacov, a 1-5 rokov. Nev\u00fdhodou je, \u017ee ak chcete peniaze vybra\u0165 sk\u00f4r, ako uplynie viazanos\u0165, mus\u00edte za to zaplati\u0165. D\u00e1 sa poveda\u0165, \u017ee pred\u010dasn\u00fdm v\u00fdberom pr\u00eddete o \u010das\u0165 pr\u00edpadne cel\u00fd \u00farok. Fond ochrany vkladov chr\u00e1ni term\u00ednovan\u00e9 vklady.Sporiaci \u00fa\u010detSporiaci \u00fa\u010det je nie\u010do medzi be\u017en\u00fdm a term\u00ednovan\u00fdm \u00fa\u010dtom. K peniazom sa v\u0161ak dostanete jednoduch\u0161ie, v\u00e4\u010d\u0161inou je tak\u00fdto \u00fa\u010det s\u00fa\u010das\u0165ou be\u017en\u00e9ho \u00fa\u010dtu. V\u00fdhodou sporiaceho \u00fa\u010dtu je vy\u0161\u0161ia \u00farokov\u00e1 sadzba a krat\u0161ia v\u00fdpovedn\u00e1 lehota, ktor\u00e1 predstavuje nieko\u013eko dn\u00ed a\u017e mesiacov. Spori\u0165 si m\u00f4\u017eete pravidelne a odklada\u0165 si m\u00f4\u017eete aj men\u0161ie sumy. Obrovskou v\u00fdhodou je, \u017ee si peniaze \u013eahko prevediete na be\u017en\u00fd \u00fa\u010det aj sami. V ka\u017edom pr\u00edpade si pri zakladan\u00ed sporiaceho \u00fa\u010dtu treba zv\u00e1\u017ei\u0165, \u010di mus\u00edte peniaze vklada\u0165 pravidelne, \u010falej bonusov\u00e9 \u00faro\u010denie, viazanos\u0165, poplatky za pred\u010dasn\u00fd v\u00fdber a pod.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (5 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Term\u00ednovan\u00fd vs. sporiaci \u00fa\u010det","item":"https:\/\/www.ledex.sk\/terminovany-vs-sporiaci-ucet\/#breadcrumbitem"}]}]