[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.hodis.cz\/co-je-to-revolvingovy-uver\/#Article","mainEntityOfPage":"https:\/\/www.hodis.cz\/co-je-to-revolvingovy-uver\/","headline":"Co je to revolvingov\u00fd \u00fav\u011br?","name":"Co je to revolvingov\u00fd \u00fav\u011br?","description":"Revolvingov\u00fd \u00fav\u011br nefunguje jako klasick\u00fd \u00fav\u011br. U klasick\u00e9ho \u00fav\u011bru dostane \u010dlov\u011bk jednor\u00e1zovou \u010d\u00e1stku a postupn\u011b ji spl\u00e1c\u00ed. U revolvingov\u00e9ho \u00fav\u011bru lze vyu\u017e\u00edt pen\u00edze opakovan\u011b, podle pot\u0159eby. D\u00edky t\u00e9to flexibilit\u011b je…","datePublished":"2026-04-03","dateModified":"2026-04-03","author":{"@type":"Person","@id":"https:\/\/www.hodis.cz\/author\/#Person","name":"","url":"https:\/\/www.hodis.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ade5060b95d9432296fc92debd2ba3136f7a4d727a7bc57afe18c4808c7d7ac9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"hodis.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.hodis.cz\/wp-content\/uploads\/alexander-grey--8a5eJ1-mmQ-unsplash_6.jpg","url":"https:\/\/www.hodis.cz\/wp-content\/uploads\/alexander-grey--8a5eJ1-mmQ-unsplash_6.jpg","height":0,"width":0},"url":"https:\/\/www.hodis.cz\/co-je-to-revolvingovy-uver\/","about":["Zbo\u017e\u00ed"],"wordCount":382,"articleBody":"   Revolvingov\u00fd \u00fav\u011br nefunguje jako klasick\u00fd \u00fav\u011br. U klasick\u00e9ho \u00fav\u011bru dostane \u010dlov\u011bk jednor\u00e1zovou \u010d\u00e1stku a postupn\u011b ji spl\u00e1c\u00ed. U revolvingov\u00e9ho \u00fav\u011bru lze vyu\u017e\u00edt pen\u00edze opakovan\u011b, podle pot\u0159eby. D\u00edky t\u00e9to flexibilit\u011b je revolvingov\u00fd \u00fav\u011br velmi obl\u00edben\u00fd. Jak u fyzick\u00fdch osob, tak u podnikatel\u016f. Princip revolvingov\u00e9ho \u00fav\u011bru je docela jednoduch\u00fd. Banka nebo nebankovn\u00ed spole\u010dnost schv\u00e1l\u00ed klientovi \u00fav\u011brov\u00fd limit. T\u0159eba 50 000 korun. A klient m\u016f\u017ee z t\u00e9to \u010d\u00e1stky kdykoliv \u010derpat pen\u00edze a postupn\u011b je spl\u00e1cet. Jakmile dluh uhrad\u00ed, uvoln\u00ed se mu nov\u00e9 prost\u0159edky. A klient je m\u016f\u017ee znovu pou\u017e\u00edt. \u00dav\u011br se tedy tak n\u011bjak obnovuje, proto se naz\u00fdv\u00e1 revolvingov\u00fd.Typick\u00fdm p\u0159\u00edkladem takov\u00e9ho \u00fav\u011bru jsou t\u0159eba kreditn\u00ed karty, kontokorenty nebo n\u011bkter\u00e9 z nebankovn\u00edch \u00fav\u011brov\u00fdch produkt\u016f. Hlavn\u00ed v\u00fdhodou je, \u017ee revolvingov\u00fd \u00fav\u011br znamen\u00e1 okam\u017eit\u00fd p\u0159\u00edstup k finan\u010dn\u00ed rezerv\u011b. Klient nemus\u00ed poka\u017ed\u00e9 \u017e\u00e1dat o novou p\u016fj\u010dku a pen\u00edze m\u00e1 k dispozici podle toho, jak\u00e9 m\u00e1 aktu\u00e1ln\u00ed pot\u0159eby. Dal\u0161\u00ed v\u00fdhodou je flexibilita v \u010derp\u00e1n\u00ed, mo\u017enosti vyu\u017e\u00edt p\u016fj\u010dku opakovan\u011b, spl\u00e1cen\u00ed pouze \u010d\u00e1stky, kterou re\u00e1ln\u011b vyu\u017eijete a rychl\u00e1 dostupnost financ\u00ed. Revolvingov\u00fd \u00fav\u011br v\u00e1m m\u016f\u017ee pomoci p\u0159i ne\u010dekan\u00fdch v\u00fddaj\u00edch, kr\u00e1tkodob\u00e9m v\u00fdpadku p\u0159\u00edjm\u016f nebo pokud pot\u0159ebujete financovat provozn\u00ed n\u00e1klady firmy.I kdy\u017e v\u00e1m revolvingov\u00fd \u00fav\u011br nab\u00edz\u00ed velkou flexibilitu, je d\u016fle\u017eit\u00e9 s n\u00edm zach\u00e1zet opatrn\u011b. Kv\u016fli tomu, jak snadno je dostupn\u00fd, m\u016f\u017ee v\u00e9st k dlouhodob\u00fdm dluh\u016fm. A to je n\u011bco, co rozhodn\u011b nechcete. Rizikem u tohoto \u00fav\u011bru b\u00fdv\u00e1 hlavn\u011b vysok\u00e1 \u00farokov\u00e1 sazba, poplatky za veden\u00ed \u00fav\u011bru a opakovan\u00e9 zadlu\u017eov\u00e1n\u00ed. Rizikem tak\u00e9 je, \u017ee m\u016f\u017eete m\u011bs\u00ed\u010dn\u011b spl\u00e1cet opravdu jen minim\u00e1ln\u00ed \u010d\u00e1stku. M\u016f\u017ee se to zd\u00e1t jako v\u00fdhoda, ale pokud budete dluh spl\u00e1cet a\u017e moc dlouho, v\u00fdrazn\u011b se v\u00e1m to prodra\u017e\u00ed kv\u016fli vysok\u00e9 \u00farokov\u00e9 sazb\u011b a dluh se v\u00e1m pak m\u016f\u017ee t\u00e1hnout i mnoho let, ne\u017e ho splat\u00edte.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Co je to revolvingov\u00fd \u00fav\u011br?","item":"https:\/\/www.hodis.cz\/co-je-to-revolvingovy-uver\/#breadcrumbitem"}]}]