[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.ovod.cz\/k-cemu-je-dobra-smenka\/#Article","mainEntityOfPage":"https:\/\/www.ovod.cz\/k-cemu-je-dobra-smenka\/","headline":"K \u010demu je dobr\u00e1 sm\u011bnka?","name":"K \u010demu je dobr\u00e1 sm\u011bnka?","description":"I kdy\u017e by m\u011bl b\u00fdt ka\u017ed\u00fd finan\u010dn\u011b zaji\u0161t\u011bn\u00fd, i kdy\u017e by m\u011bl v\u0161e zvl\u00e1dat financovat ze sv\u00fdch p\u0159\u00edjm\u016f, nejednou se mu to neda\u0159\u00ed. A pak je t\u0159eba naj\u00edt zp\u016fsob, jak takov\u00fd nedostatek zvl\u00e1dnout, jak m\u00edt \u010d\u00edm financovat pot\u0159eby ve chv\u00edli, kdy to zrovna pen\u011bzi nejde. A nastane-li takov\u00e1 situace, lze to vy\u0159e\u0161it t\u0159eba i cenn\u00fdm […]","datePublished":"2021-06-30","dateModified":"2023-05-01","author":{"@type":"Person","@id":"https:\/\/www.ovod.cz\/author\/#Person","name":"","url":"https:\/\/www.ovod.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/82449f5dd313bdc88befc1a2d3138ce45c5e7d5eeee84221e3cf7fbc184b80d3?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"ovod.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.ovod.cz\/wp-content\/uploads\/p%C5%AFj%C4%8Den%C3%AD%20pen%C4%9Bz_9.jpg","url":"https:\/\/www.ovod.cz\/wp-content\/uploads\/p%C5%AFj%C4%8Den%C3%AD%20pen%C4%9Bz_9.jpg","height":0,"width":0},"url":"https:\/\/www.ovod.cz\/k-cemu-je-dobra-smenka\/","about":["Ekonomika"],"wordCount":473,"articleBody":"     I kdy\u017e by m\u011bl b\u00fdt ka\u017ed\u00fd finan\u010dn\u011b zaji\u0161t\u011bn\u00fd, i kdy\u017e by m\u011bl v\u0161e zvl\u00e1dat financovat ze sv\u00fdch p\u0159\u00edjm\u016f, nejednou se mu to neda\u0159\u00ed. A pak je t\u0159eba naj\u00edt zp\u016fsob, jak takov\u00fd nedostatek zvl\u00e1dnout, jak m\u00edt \u010d\u00edm financovat pot\u0159eby ve chv\u00edli, kdy to zrovna pen\u011bzi nejde.A nastane-li takov\u00e1 situace, lze to vy\u0159e\u0161it t\u0159eba i cenn\u00fdm pap\u00edrem naz\u00fdvan\u00fdm sm\u011bnka. Tento existuje a slou\u017e\u00ed i na\u0161im sou\u010dasn\u00edk\u016fm, jakkoliv ho spousta na\u0161inc\u016f zn\u00e1 nejsp\u00ed\u0161e jen ze zn\u00e1m\u00fdch film\u016f pro pam\u011btn\u00edky, jak je dejme tomu Duch\u00e1\u010dek to za\u0159\u00edd\u00ed.Sm\u011bnkami lze zaru\u010dovat nap\u0159\u00edklad zaplacen\u00ed ur\u010dit\u00e9 \u010d\u00e1stky, je\u017e m\u011bla b\u00fdt, ale nebyla v dohodnut\u00e9m term\u00ednu uhrazena. A a\u0165 u\u017e je takov\u00e1 sm\u011bnka vlastn\u00ed nebo ciz\u00ed, a\u0165 u\u017e m\u00e1 platebn\u00ed nebo zaji\u0161\u0165ovac\u00ed \u00fa\u010del, m\u016f\u017ee leckomu p\u0159ij\u00edt vhod. Proto\u017ee v\u00fdm\u011bnou za tuto lze nap\u0159\u00edklad z\u00edskat eskontn\u00ed \u010di obchodn\u00ed \u00fav\u011br, tato m\u016f\u017ee poslou\u017eit jako z\u00e1ruka, ale lze ji vyu\u017e\u00edt i jako platebn\u00ed prost\u0159edek nebo prost\u0159edek k z\u00edsk\u00e1n\u00ed finan\u010dn\u00edch prost\u0159edk\u016f p\u0159ed uplynut\u00edm doby jej\u00ed splatnosti. Takov\u00e1 sm\u011bnka se toti\u017e d\u00e1 vyu\u017e\u00edt jako z\u00e1ruka, \u017ee n\u011bkdo n\u011bkomu podle dohody zaplat\u00ed to, co se po n\u011bm \u017e\u00e1d\u00e1, a tato se d\u00e1 p\u0159\u00edpadn\u011b i prodat n\u011bkomu jin\u00e9mu, kdy\u017e jej\u00ed dr\u017eitel pot\u0159ebuje pen\u00edze p\u0159ed\u010dasn\u011b, p\u0159ed uplynut\u00edm jej\u00ed doby platnosti.Takov\u00e1 sm\u011bnka https:\/\/www.hypoteka-bez-registru.net\/smenka\/ je nesporn\u00fdm z\u00e1vazkem, garantuje to, co je na n\u00ed uvedeno. Jej\u00ed majitel m\u00e1 pr\u00e1vo to na n\u00ed uveden\u00e9 po\u017eadovat, a pokud se dlu\u017en\u00edkovi nechce to zde uveden\u00e9 uhradit, mus\u00ed s\u00e1m prok\u00e1zat od\u016fvodn\u011bnost t\u00e9to sv\u00e9 neochoty.Ke vzniku takov\u00e9 sm\u011bnky nen\u00ed t\u0159eba \u017e\u00e1dn\u00fd pr\u00e1vn\u00ed d\u016fvod, tato je takzvan\u00fdm abstraktn\u00edm cenn\u00fdm pap\u00edrem, pro kter\u00fd neexistuje ani \u017e\u00e1dn\u00fd formul\u00e1\u0159. Ov\u0161em p\u0159esto m\u00e1 sv\u00e1 pravidla, jsou \u00fadaje, kter\u00e9 na n\u00ed nesm\u00ed chyb\u011bt. A kdyby i jen jedin\u00fd z p\u0159edepsan\u00fdch \u00fadaj\u016f chyb\u011bl, je sm\u011bnka neplatnou a jej\u00ed majitel m\u00e1 sm\u016flu.Stejn\u011b jako m\u016f\u017ee m\u00edt sm\u016flu pro zm\u011bnu i dlu\u017en\u00edk, jen\u017e po rozhodnut\u00ed soudu a vyd\u00e1n\u00ed sm\u011bne\u010dn\u00e9ho platebn\u00edho rozkazu a nabyt\u00ed jeho pr\u00e1vn\u00ed moci mus\u00ed platit i v p\u0159\u00edpad\u011b, \u017ee je takov\u00e1 sm\u011bnka zfal\u0161ovan\u00e1.Tak\u017ee jsou pen\u00edze p\u0159ece jenom lep\u0161\u00ed. Ale i sm\u011bnka m\u016f\u017ee n\u011bkdy p\u0159ij\u00edt vhod.                                                                                                                                                                                                                                                                                                                                                                                          3.3\/5 - (6 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"K \u010demu je dobr\u00e1 sm\u011bnka?","item":"https:\/\/www.ovod.cz\/k-cemu-je-dobra-smenka\/#breadcrumbitem"}]}]