[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.masko.sk\/sporiaci-ucet-alebo-terminovany-vklad\/#Article","mainEntityOfPage":"https:\/\/www.masko.sk\/sporiaci-ucet-alebo-terminovany-vklad\/","headline":"Sporiaci \u00fa\u010det alebo term\u00ednovan\u00fd vklad?","name":"Sporiaci \u00fa\u010det alebo term\u00ednovan\u00fd vklad?","description":"Mnoh\u00fd z\u00a0n\u00e1s sa sk\u00f4r, \u010di nesk\u00f4r za\u010dn\u00fa obzera\u0165 po sp\u00f4sobe, ako svoje financie zhodnoti\u0165. Medzi dva najbe\u017enej\u0161ie sp\u00f4soby sporenia financi\u00ed patr\u00ed sporiaci \u00fa\u010det a\u00a0term\u00ednovan\u00fd vklad. Viete v\u0161ak ak\u00fd je medzi nimi rozdiel? \u00a0 Term\u00ednovan\u00fd vklad \u00a0 Term\u00ednovan\u00fd vklad funguje na princ\u00edpe, \u017ee svoje financie si budete m\u00f4c\u0165 vybra\u0165 a\u017e po uplynut\u00ed ur\u010ditej doby. Tento sp\u00f4sob … ","datePublished":"2018-11-10","dateModified":"2023-04-28","author":{"@type":"Person","@id":"https:\/\/www.masko.sk\/author\/#Person","name":"","url":"https:\/\/www.masko.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/eaa8d03c255e1a749937a03afe319562d500ac9ddac78a88a8e436c8d21c5e47?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/eaa8d03c255e1a749937a03afe319562d500ac9ddac78a88a8e436c8d21c5e47?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"masko.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.masko.sk\/wp-content\/uploads\/img_a295527_w16673_t1547141178.jpg","url":"https:\/\/www.masko.sk\/wp-content\/uploads\/img_a295527_w16673_t1547141178.jpg","height":0,"width":0},"url":"https:\/\/www.masko.sk\/sporiaci-ucet-alebo-terminovany-vklad\/","about":["Ekonomika"],"wordCount":412,"articleBody":"Mnoh\u00fd z\u00a0n\u00e1s sa sk\u00f4r, \u010di nesk\u00f4r za\u010dn\u00fa obzera\u0165 po sp\u00f4sobe, ako svoje financie zhodnoti\u0165. Medzi dva najbe\u017enej\u0161ie sp\u00f4soby sporenia financi\u00ed patr\u00ed sporiaci \u00fa\u010det a\u00a0term\u00ednovan\u00fd vklad. Viete v\u0161ak ak\u00fd je medzi nimi rozdiel?\u00a0Term\u00ednovan\u00fd vklad \u00a0Term\u00ednovan\u00fd vklad funguje na princ\u00edpe, \u017ee svoje financie si budete m\u00f4c\u0165 vybra\u0165 a\u017e po uplynut\u00ed ur\u010ditej doby. Tento sp\u00f4sob je teda v\u00fdhodn\u00fd pre t\u00fdch, ktor\u00ed chc\u00fa ma\u0165 nejak\u00fa t\u00fa rezervu v\u00a0bud\u00facnosti. Ako to funguje? Na svoj \u00fa\u010det vlo\u017e\u00edte jednorazov\u00fa sumu, vo vami stanovenej v\u00fd\u0161ke. Sami si ur\u010d\u00edte i\u00a0dobu, po\u010das ktorej sa bud\u00fa va\u0161e peniaze zhodnocova\u0165. Odborne sa tomu hovor\u00ed, \u017ee v\u00e1\u0161 vklad sa z\u00faro\u010duje. Na v\u00fdber m\u00e1te fixn\u00fa, alebo pohybliv\u00fa \u00farokov\u00fa mieru. V\u00e1\u0161 vklad je zo z\u00e1kona poisten\u00fd do v\u00fd\u0161ky 100 percent, av\u0161ak maxim\u00e1lne do sumy 3\u00a0500 eur. Ak teda na term\u00ednovan\u00fd vklad vlo\u017e\u00edte napr\u00edklad 2000 eur, t\u00e1to suma sa \u010dasom m\u00f4\u017ee zv\u00fd\u0161i\u0165. V\u00a0pr\u00edpade, \u017ee by sa tak nestalo, v\u0161ak nem\u00f4\u017eete pr\u00eds\u0165 o\u00a0sumu, ktor\u00fa ste vlo\u017eili na za\u010diatku, teda 2000 eur. Hlavnou nev\u00fdhodou je, \u017ee po\u010das trvania dan\u00e9ho obdobia, si svoje peniaze nem\u00f4\u017eete vybra\u0165. Ak by ste ich potrebovali naozaj nutne, za ich v\u00fdber zaplat\u00edte pokutu, ktor\u00e1 sa l\u00ed\u0161i v\u00a0z\u00e1vislosti od banky.\u00a0Sporiaci \u00fa\u010det\u00a0Podobne ako pri term\u00ednovanom vklade, je suma ktor\u00fa na \u00fa\u010det vlo\u017e\u00edte poisten\u00e1 zo z\u00e1kona do v\u00fd\u0161ky sto percent, ale iba do spom\u00ednan\u00fdch tri a\u00a0pol tis\u00edc eur. v\u00fdhodou je, \u017ee sa k\u00a0svojim peniazom viete dosta\u0165 kedyko\u013evek, ke\u010f to potrebujete. Sta\u010d\u00ed ak si na za\u010diatku vyberiete typ \u00fa\u010dtu bez v\u00fdpovednej lehoty. Pri tomto sp\u00f4sobe zhodnocovania financi\u00ed, m\u00f4\u017eu by\u0165 va\u0161e peniaze \u00faro\u010den\u00e9 a\u017e do v\u00fd\u0161ky dvoch percent. Ponuky b\u00e1nk sa tro\u0161ku l\u00ed\u0161ia. V\u00a0niektor\u00fdch si sporiaci \u00fa\u010det zaklad\u00e1te samostatne, v\u00a0in\u00fdch je zas tento \u00fa\u010det spojen\u00fd s\u00a0va\u0161im be\u017en\u00fdm \u00fa\u010dtom. Sporiaci \u00fa\u010det je pre v\u00e1s vhodn\u00fd vtedy, ak viete, \u017ee svoje financie chcete min\u00fa\u0165 v\u00a0priebehu kr\u00e1tkeho obdobia, maxim\u00e1lne v\u0161ak roka. V\u00a0pr\u00edpade, \u017ee chcete \u201ezarobi\u0165\u201c viac a\u00a0za dlh\u0161ie obdobie, je pre v\u00e1s vhodn\u00fd sk\u00f4r prv\u00fd spom\u00ednan\u00fd sp\u00f4sob, teda term\u00ednovan\u00fd vklad.                                                                                                                                                                                                                                                                                                                                                                                        4.7\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Sporiaci \u00fa\u010det alebo term\u00ednovan\u00fd vklad?","item":"https:\/\/www.masko.sk\/sporiaci-ucet-alebo-terminovany-vklad\/#breadcrumbitem"}]}]