[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.gerin.sk\/zmluvna-dokumentacia-o-uvere-a-jej-rozdielnost-oproti-pozicke\/#Article","mainEntityOfPage":"https:\/\/www.gerin.sk\/zmluvna-dokumentacia-o-uvere-a-jej-rozdielnost-oproti-pozicke\/","headline":"Zmluvn\u00e1 dokument\u00e1cia o \u00favere a jej rozdielnos\u0165 oproti p\u00f4\u017ei\u010dke","name":"Zmluvn\u00e1 dokument\u00e1cia o \u00favere a jej rozdielnos\u0165 oproti p\u00f4\u017ei\u010dke","description":"\u013dudia \u010dasto \u017eiadaj\u00fa o poskytnutie finan\u010dn\u00fdch prostriedkov od banky alebo inej finan\u010dnej in\u0161tit\u00facie \u010di od rodinn\u00e9ho pr\u00edslu\u0161n\u00edka alebo zn\u00e1meho, pri\u010dom naj\u010dastej\u0161ie o tomto akte hovoria ako o p\u00f4\u017ei\u010dke alebo \u00favere.<a href=\"https:\/\/www.gerin.sk\/zmluvna-dokumentacia-o-uvere-a-jej-rozdielnost-oproti-pozicke\/\" class=\"read-more\"> Continue Reading &raquo;<\/a>","datePublished":"2022-08-14","dateModified":"2022-08-14","author":{"@type":"Person","@id":"https:\/\/www.gerin.sk\/author\/#Person","name":"","url":"https:\/\/www.gerin.sk\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/16435f0a6c9262449b9ebb39f63178cd65c54b09f931b6f84682f48086e3d763?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"gerin.sk","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.gerin.sk\/wp-content\/uploads\/po%C5%BEi%C4%8Danie%20finan%C4%8Dn%C3%BDch%20prostriedkov.jpg","url":"https:\/\/www.gerin.sk\/wp-content\/uploads\/po%C5%BEi%C4%8Danie%20finan%C4%8Dn%C3%BDch%20prostriedkov.jpg","height":0,"width":0},"url":"https:\/\/www.gerin.sk\/zmluvna-dokumentacia-o-uvere-a-jej-rozdielnost-oproti-pozicke\/","wordCount":438,"articleBody":"   \u013dudia \u010dasto \u017eiadaj\u00fa o poskytnutie finan\u010dn\u00fdch prostriedkov od banky alebo inej finan\u010dnej in\u0161tit\u00facie \u010di od rodinn\u00e9ho pr\u00edslu\u0161n\u00edka alebo zn\u00e1meho, pri\u010dom naj\u010dastej\u0161ie o tomto akte hovoria ako o p\u00f4\u017ei\u010dke alebo \u00favere. \u010casto sa v\u0161ak st\u00e1va, \u017ee t\u00fdmito pojmami ozna\u010duj\u00fa jednu a t\u00fa ist\u00fa vec, \u010do v\u0161ak nie je spr\u00e1vne. P\u00f4\u017ei\u010dka a \u00faver nie s\u00fa rovnak\u00e9 a neznamenaj\u00fa ani rovnak\u00fa vec, preto\u017ee medzi nimi existuj\u00fa ur\u010dit\u00e9 odli\u0161nosti, aj ke\u010f sa m\u00f4\u017eu zda\u0165  http:\/\/www.slovnik-synonym.cz\/web.php\/slovo\/zdat-se ve\u013emi podobn\u00e9. Ve\u013ea \u013eud\u00ed v\u0161ak tieto rozdiely nepozn\u00e1, a preto pou\u017e\u00edva nespr\u00e1vne pomenovanie. To, \u010do maj\u00fa p\u00f4\u017ei\u010dka a zmluva v\u0161ak rovnak\u00e9, je zmluvn\u00e1 dokument\u00e1cia, ktor\u00fa je nevyhnutn\u00e9 pri po\u017eiadan\u00ed o nich sp\u00edsa\u0165 a uzatvori\u0165. Jedn\u00e1 sa o ofici\u00e1lne zmluvn\u00e9 dokumenty, medzi ktor\u00e9 patr\u00ed Zmluva o \u00favere a Zmluva o p\u00f4\u017ei\u010dke. Niektor\u00ed \u013eudia maj\u00fa probl\u00e9m s rozli\u0161ovan\u00edm aj t\u00fdchto dokumentov a \u010dasto si ich zamie\u0148aj\u00fa. Jednotliv\u00e9 zmluvy s\u00fa v\u0161ak upraven\u00e9 v dvoch rozdielnych z\u00e1konoch, pri\u010dom pri p\u00f4\u017ei\u010dke je to konkr\u00e9tne Ob\u010diansky z\u00e1konn\u00edk. Pri Zmluve o \u00favere je zase legislat\u00edvnou \u00fapravou tohto dokumentu Obchodn\u00fd z\u00e1konn\u00edk. \u010co sa t\u00fdka hlavn\u00e9ho rozdielu, ktor\u00fd je z\u00e1sadn\u00fd pri \u00favere a p\u00f4\u017ei\u010dke, je to ten fakt, \u017ee pri p\u00f4\u017ei\u010dke ako u\u017e z jej n\u00e1zvu vypl\u00fdva, sa dl\u017en\u00edkovi zapo\u017ei\u010dia ur\u010dit\u00e1 vec alebo financie, ktor\u00e9 sa po vypr\u0161an\u00ed vopred stanoven\u00e9ho \u010dasov\u00e9ho obdobia musia verite\u013eovi nasp\u00e4\u0165 vr\u00e1ti\u0165. Pri Zmluve o \u00favere sa nem\u00f4\u017ee jedna\u0165 o \u017eiadne veci ani predmety, ale \u010disto iba o finan\u010dn\u00fa sumu pe\u0148az\u00ed. Okrem toho je \u00faver odli\u0161n\u00fd aj v tom, \u017ee zapo\u017ei\u010dan\u00e1 finan\u010dn\u00e1 \u010diastka sa dl\u017en\u00edkovi navy\u0161uje aj o \u00faroky, ktor\u00e9 je povinn\u00fd verite\u013eovi rovnako uhradi\u0165. N\u00e1le\u017eitost\u00ed oboch zmluvn\u00fdch dokumentov s\u00fa n\u00e1sledne s\u00edce podobn\u00e9 a obe zmluvy by mali obsahova\u0165 z\u00e1kladn\u00e9 osobn\u00e9 inform\u00e1cie o dl\u017en\u00edkovi i verite\u013eovi, predmet zmluvy (\u010di u\u017e konkr\u00e9tnu zapo\u017ei\u010dan\u00fa vec pri p\u00f4\u017ei\u010dke alebo v\u00fd\u0161ku finan\u010dn\u00fdch prostriedkov pri \u00favere), v\u00fd\u0161ku dohodnut\u00fdch \u00farokov, sp\u00f4sob \u010derpania a spl\u00e1cania \u00faroku alebo p\u00f4\u017ei\u010dky a \u010fal\u0161ie d\u00f4le\u017eit\u00e9 \u010dasti, ako je podpis oboch zmluvn\u00fdch str\u00e1n a d\u00e1tum s miestom.                                                                                                                                                                                                                                                                                                                                                                                          3.7\/5 - (16 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Zmluvn\u00e1 dokument\u00e1cia o \u00favere a jej rozdielnos\u0165 oproti p\u00f4\u017ei\u010dke","item":"https:\/\/www.gerin.sk\/zmluvna-dokumentacia-o-uvere-a-jej-rozdielnost-oproti-pozicke\/#breadcrumbitem"}]}]