[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.extip.sk\/terminovany-alebo-sporiaci-ucet\/#Article","mainEntityOfPage":"https:\/\/www.extip.sk\/terminovany-alebo-sporiaci-ucet\/","headline":"Term\u00ednovan\u00fd alebo sporiaci \u00fa\u010det?","name":"Term\u00ednovan\u00fd alebo sporiaci \u00fa\u010det?","description":"Skoro ku ka\u017ed\u00e9mu \u00fa\u010dtu v\u00a0banke v\u00e1m pon\u00fakaj\u00fa ve\u013ek\u00e9 mno\u017estv\u00e1 \u010fal\u0161\u00edch v\u00fdhod, ak si otvor\u00edte e\u0161te sporiaci alebo term\u00ednovan\u00fd \u00fa\u010det. Be\u017en\u00fd \u010dlovek v\u0161ak ani netu\u0161\u00ed, do \u010doho ho banky \u0165ahaj\u00fa. Preto som sa rozhodla, \u017ee v\u00e1m to trochu pribl\u00ed\u017eim a\u00a0vysvetl\u00edm polopatisticky. <a class=\"more-link\" href=\"https:\/\/www.extip.sk\/terminovany-alebo-sporiaci-ucet\/\">\u010c\u00edst d\u00e1le ...<\/a>","datePublished":"2017-09-19","dateModified":"2017-09-19","author":{"@type":"Person","@id":"https:\/\/www.extip.sk\/author\/#Person","name":"","url":"https:\/\/www.extip.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32bc2d377216483c132a3bbf038b8838926e0616f1b3d0e9cb50d997f0b052ba?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"extip.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.extip.sk\/wp-content\/uploads\/img_a283277_w2027_t1511110943.jpg","url":"https:\/\/www.extip.sk\/wp-content\/uploads\/img_a283277_w2027_t1511110943.jpg","height":0,"width":0},"url":"https:\/\/www.extip.sk\/terminovany-alebo-sporiaci-ucet\/","about":["Financie"],"wordCount":388,"articleBody":"Skoro ku ka\u017ed\u00e9mu \u00fa\u010dtu v\u00a0banke v\u00e1m pon\u00fakaj\u00fa ve\u013ek\u00e9 mno\u017estv\u00e1 \u010fal\u0161\u00edch v\u00fdhod, ak si otvor\u00edte e\u0161te sporiaci alebo term\u00ednovan\u00fd \u00fa\u010det. Be\u017en\u00fd \u010dlovek v\u0161ak ani netu\u0161\u00ed, do \u010doho ho banky \u0165ahaj\u00fa. Preto som sa rozhodla, \u017ee v\u00e1m to trochu pribl\u00ed\u017eim a\u00a0vysvetl\u00edm polopatisticky. Sn\u00e1\u010f sa pochop\u00edme.Chc\u00fa na n\u00e1s \u201eu\u0161i\u0165 b\u00fadu\u201c? Pokia\u013e m\u00e1me \u00fa\u010det v\u00a0norm\u00e1lnej banke, nemali by sme sa ob\u00e1va\u0165 neo\u010dak\u00e1van\u00fdch poplatkov a\u00a0vysok\u00fdch \u00farokov ako v\u00a0nebankov\u00fdch spolo\u010dnostiach. No aj tak sa mus\u00edte ma\u0165 na pozore a\u00a0ka\u017ed\u00e9 zmeny v\u0161eobecn\u00fdch \u00faverov\u00fdch podmienok si poriadne pre\u0161tudova\u0165. Aj podmienky sporiacich a\u00a0term\u00ednovan\u00fdch \u00fa\u010dtov. Preto\u017ee banky n\u00e1s samy na to neupozornia, \u010dlovek si to mus\u00ed ustriehnu\u0165 s\u00e1m.So sporiacim \u00fa\u010dtom\u00a0je spojen\u00e9 men\u0161ie riziko, ale z\u00e1rove\u0148 je menej v\u00fdnosn\u00fd. Ak vklad\u00e1me peniaze nepravidelne (napr\u00edklad v\u00a0jednom mesiaci aj tri kr\u00e1t a\u00a0v\u00a0\u010fal\u0161om mesiaci v\u00f4bec), tak m\u00e1me na sporiacom \u00fa\u010dte minim\u00e1lny \u00farok. V\u00e4\u010d\u0161\u00ed ako na be\u017enom \u00fa\u010dte, ale st\u00e1le to nie je ve\u013ek\u00e1 v\u00fdhra. S\u00a0pravidelnos\u0165ou vkladov prib\u00fada aj \u00farok. Na vyberanie pe\u0148az\u00ed nem\u00e1me ur\u010den\u00fd konkr\u00e9tny term\u00edn, ani v\u00fdpovedn\u00fa lehotu. Peniaze m\u00f4\u017eeme vybra\u0165 kedyko\u013evek bez poplatku a\u00a0za\u010da\u0165 spori\u0165 odznova.Term\u00ednovan\u00fd \u00fa\u010det\u00a0je viazan\u00fd na konkr\u00e9tny d\u00e1tum alebo v\u00fdpovedn\u00fa lehotu. O\u00a0tom sved\u010d\u00ed aj jeho n\u00e1zov. Peniaze sa vkladaj\u00fa v\u00e4\u010d\u0161inou jednorazovo a\u00a0v\u00fdber vopred pred lehotou splatnosti n\u00e1s bude st\u00e1\u0165 nemal\u00e9 poplatky. Preto\u017ee je s\u00a0n\u00edm spojen\u00e9 vy\u0161\u0161ie riziko, je aj v\u00fdnosnej\u0161\u00ed, ale menej likvidn\u00fd ako sporiaci \u00fa\u010det. Ak m\u00e1me v\u00fdpovedn\u00fa lehotu, v\u00fdber treba nahl\u00e1si\u0165 a\u00a0pod\u013ea d\u013a\u017eky v\u00fdpovednej lehoty u\u017e len \u010daka\u0165. Sk\u00f4r n\u00e1m peniaze nedaj\u00fa, a\u017e ke\u010f uplynie v\u00fdpovedn\u00e1 doba.U\u017e v\u00e1m je to jasnej\u0161ie? Kam investujete svoje peniaze?Dobre si to rozmyslite, aby ste nesk\u00f4r ne\u013eutovali. Ale v t\u00fdchto dvoch pr\u00edpadoch nem\u00e1te ve\u013emi, \u010do strati\u0165. Ale aj tak bu\u010fte opatrn\u00ed, komu zver\u00edte svoje \u0165a\u017eko zaroben\u00e9 peniaze.                                                                                                                                                                                                                                                                                                                                                                                        4.1\/5 - (12 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Term\u00ednovan\u00fd alebo sporiaci \u00fa\u010det?","item":"https:\/\/www.extip.sk\/terminovany-alebo-sporiaci-ucet\/#breadcrumbitem"}]}]