{"id":4357,"date":"2025-01-10T16:24:07","date_gmt":"2025-01-10T15:24:07","guid":{"rendered":"http:\/\/3.72.177.72\/novinky-a-tipy\/zakonne-uroky-z-prodleni-jaka-je-vyse-a-jak-se-pocitaji\/"},"modified":"2025-02-12T14:41:16","modified_gmt":"2025-02-12T13:41:16","slug":"zakonne-uroky-z-prodleni-jaka-je-vyse-a-jak-se-pocitaji","status":"publish","type":"post","link":"https:\/\/money.cz\/novinky-a-tipy\/podnikani\/zakonne-uroky-z-prodleni-jaka-je-vyse-a-jak-se-pocitaji\/","title":{"rendered":"Z\u00e1konn\u00e9 \u00faroky z prodlen\u00ed: jak\u00e1 je v\u00fd\u0161e a jak se po\u010d\u00edtaj\u00ed?"},"content":{"rendered":"<h2>\u00daroky z prodlen\u00ed v ob\u010dansko-pr\u00e1vn\u00edch a podnikatelsk\u00fdch vztaz\u00edch<\/h2>\n<p>V\u00fd\u0161i \u00faroku z prodlen\u00ed ur\u010duje vl\u00e1dn\u00ed na\u0159\u00edzen\u00ed a rovn\u00e1 se <a href=\"https:\/\/www.cnb.cz\/cs\/casto-kladene-dotazy\/Jak-se-vyvijela-dvoutydenni-repo-sazba-CNB\/\" target=\"_blank\" rel=\"noopener\">aktu\u00e1ln\u00ed repo sazb\u011b \u010cNB<\/a> <strong>nav\u00fd\u0161enou o osm procentn\u00edch bod\u016f<\/strong>. Pozor v\u0161ak na to, \u017ee k aktualizaci v\u00fd\u0161e \u00farok\u016f <strong>doch\u00e1z\u00ed v\u017edy jednou za p\u016fl roku<\/strong> (a nikoliv p\u0159i ka\u017ed\u00e9 zm\u011bn\u011b repo sazby), kl\u00ed\u010dov\u00fdmi dny pro ur\u010den\u00ed aktu\u00e1ln\u00ed v\u00fd\u0161e \u00faroku jsou proto v\u017edy 1. ledna a 1. \u010dervence.<\/p>\n<p>Pro p\u0159\u00edklad k 1. lednu 2024 byla repo sazba centr\u00e1ln\u00ed banky 6,75 %, \u00farok z prodlen\u00ed tedy \u010dinil dle z\u00e1kona 14,75 % p. a. (ro\u010dn\u011b). Proto\u017ee do\u0161lo v pr\u016fb\u011bhu prvn\u00edho pololet\u00ed roku 2024 k postupn\u00e9mu sni\u017eov\u00e1n\u00ed repo sazby, tak od 1. \u010dervence 2024 plat\u00ed nov\u00e1 v\u00fd\u0161e \u00faroku z prodlen\u00ed ve v\u00fd\u0161i 12,75 % (repo 4,75 % + 8 %).<\/p>\n<p><strong>\u00daroky z prodlen\u00ed jsou z\u00e1konn\u00e9, automatick\u00e9<\/strong> a nen\u00ed t\u0159eba je sjedn\u00e1vat ve smlouv\u011b. Pokud se ale se sv\u00fdm v\u011b\u0159itelem nebo dlu\u017en\u00edkem domluv\u00edte, m\u016f\u017eete v\u00fd\u0161i \u00farok\u016f ve smlouv\u011b upravit.<\/p>\n<p><strong>TIP: <\/strong><span>Neda\u0159\u00ed se v\u00e1m v\u010das spl\u00e1cet va\u0161e z\u00e1vazky v podob\u011b \u00fav\u011br\u016f, bankovn\u00edch a nebankovn\u00edch p\u016fj\u010dek, hypot\u00e9k nebo kreditn\u00edch karet? Vyu\u017eijte mo\u017enosti <a href=\"https:\/\/epujcka.cz\/konsolidace\/\" target=\"_blank\">konsolidace pro slou\u010den\u00ed z\u00e1vazk\u016f<\/a>.<\/span><\/p>\n<p>Dejte si pozor tak\u00e9 na \u00fa\u010dtov\u00e1n\u00ed \u00farok\u016f z prodlen\u00ed. Jestli\u017ee je toti\u017e pohled\u00e1vka z\u00e1rove\u0148 da\u0148ov\u00fdm p\u0159\u00edjmem, nezapom\u00ednejte, \u017ee po uhrazen\u00ed dluhu mus\u00edte krom\u011b p\u016fvodn\u00ed pohled\u00e1vky <strong>zdanit tak\u00e9 p\u0159ijat\u00e9 \u00faroky z prodlen\u00ed<\/strong>.<\/p>\n<div class=\"info-box\"><span class=\"fa fa-info\" aria-hidden=\"true\">\u00a0<\/span><strong>TIP:<\/strong> \u00farok z prodlen\u00ed spo\u010d\u00edt\u00e1te vzore\u010dkem: <em>celkov\u00e1 dlu\u017en\u00e1 \u010d\u00e1stka \u00d7 ro\u010dn\u00ed \u00farokov\u00e1 sazba (aktu\u00e1ln\u011b 0,1275) \u00d7 po\u010det dn\u016f v prodlen\u00ed \/ 365.<\/em> Pokud se v\u00e1m to v\u0161ak nechce po\u010d\u00edtat ru\u010dn\u011b, vyu\u017eijte nap\u0159\u00edklad <a href=\"https:\/\/money.cz\/\">\u00fa\u010detn\u00ed program Money S3<\/a>, kter\u00fd za v\u00e1s \u00faroky spo\u010d\u00edt\u00e1 automaticky.<\/div>\n<figure id=\"attachment_7817\" aria-describedby=\"caption-attachment-7817\" style=\"width: 1024px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-7817\" src=\"https:\/\/money.cz\/novinky-a-tipy\/wp-content\/uploads\/2022\/03\/pexels-lumn-167682-1024x683.jpg\" alt=\"\" width=\"1024\" height=\"683\" \/><figcaption id=\"caption-attachment-7817\" class=\"wp-caption-text\">\u00daroky z prodlen\u00ed spo\u010d\u00edt\u00e1te ru\u010dn\u011b, p\u0159\u00edpadn\u011b vsa\u010fte na \u00fa\u010detn\u00ed program.<\/figcaption><\/figure>\n<h2>\u00daroky z prodlen\u00ed p\u0159i placen\u00ed dan\u00ed<\/h2>\n<p>Jestli\u017ee jako\u017eto firma nebo ob\u010dan nezaplat\u00edte v\u010das da\u0148 (a\u0165 u\u017e da\u0148 z p\u0159\u00edjm\u016f nebo nap\u0159\u00edklad DPH), finan\u010dn\u00ed \u00fa\u0159ad op\u011bt s\u00e1hne k \u00fa\u010dtov\u00e1n\u00ed \u00farok\u016f z prodlen\u00ed. Od roku 2021 plat\u00ed stejn\u00e1 konstrukce v\u00fdpo\u010dtu \u00farok\u016f v\u00a0dan\u00edch jako v\u00a0soukromopr\u00e1vn\u00ed oblasti: <strong>repo sazba + 8 procentn\u00edch bod\u016f<\/strong>. K\u00a0aktualizaci doch\u00e1z\u00ed op\u011bt jednou za p\u016fl roku.<\/p>\n<p>Dobrou zpr\u00e1vou je, \u017ee finan\u010dn\u00ed \u00fa\u0159ad je relativn\u011b benevolentn\u00ed a \u00faroky z prodlen\u00ed nab\u00edhaj\u00ed a\u017e <strong>od \u010dtvrt\u00e9ho kalend\u00e1\u0159n\u00edho dne po dni splatnosti<\/strong>. Pokud tedy m\u00e1te splatnost dan\u011b v pond\u011bl\u00ed, \u00faroky z prodlen\u00ed se v\u00e1m za\u010d\u00ednaj\u00ed po\u010d\u00edtat v p\u00e1tek.<\/p>\n<link rel=\"stylesheet\" href=\"https:\/\/money.cz\/novinky-a-tipy\/wp-content\/themes\/money-blog\/shortcodes\/smartmailing-email-registration\/form.min.css\" \/>\n<script type=\"text\/javascript\">\n    var smFormInterval = null;\n\n    jQuery(document).ready(function() {\n        jQuery(\".shortcode-smartmailing-form .fheader p a.info\").click(function(e) {  \n            e.preventDefault();\n\n            \/*if (jQuery(\".shortcode-smartmailing-form .smart-disclaimer\").is(\":visible\"))\n            {\n                jQuery(\".shortcode-smartmailing-form .smart-disclaimer\").hide();\n            }\n            else\n            {\n                jQuery(\".shortcode-smartmailing-form .smart-disclaimer\").show();\n            }*\/\n\n            return false;\n        });\n\n        jQuery(\"#shortcodeSmartmailingForm\").submit(function(e) {\n            e.preventDefault();\n            return false;\n        });\n\n        jQuery(\"#shortcodeSmartmailingForm button[type='submit']\").click(function(e) {\n            e.preventDefault();\n            \n            var email = jQuery(\"#shortcodeSmartmailingForm_email\").val();\n\n            if (email.length == 0)\n            {\n                alert(\"Pros\u00edm zadejte v\u00e1\u0161 e-mail.\");\n                return false;\n            }\n            if (!shortcodeSmartmailingForm_validateEmail(email))\n            {\n                alert(\"Zadan\u00fd e-mail m\u00e1 neplatn\u00fd form\u00e1t.\");\n                return false;\n            }\n\n            jQuery.ajax({\n                url: \"\/novinky-a-tipy\/wp-content\/themes\/money-blog\/shortcodes\/smartmailing-email-registration\/service.php\",\n                type: \"POST\",\n                dataType: \"text\",\n                cache: false,\n                data: {\n                    \"email\": email,\n                    \"stdc\": jQuery(\"#shortcodeSmartmailingForm_stdc\").val(),\n                    \"current_url\": jQuery(\"#shortcodeSmartmailingForm_url\").val(),\n                    \"current_referrer\": jQuery(\"#shortcodeSmartmailingForm_referrer\").val()\n                }\n            }).done(function (response, textStatus, jqXHR)\n            {\n                jQuery(\".shortcodeSmartmailingForm_email\").hide();\n                jQuery(\"#shortcodeSmartmailingForm_submit\").hide();\n                jQuery(\"#shortcodeSmartmailingForm .smart-disclaimer\").hide();\n                jQuery(\"#shortcodeSmartmailingForm .success\").show();\n\t\t\t\tdataLayer.push({'event': 'newsletterSubscription', 'newsletterPosition': 'intext'});\n            }).fail(function( jqXHR, textStatus, errorThrown ) {\n                jQuery(\".shortcodeSmartmailingForm_email\").hide();\n                jQuery(\"#shortcodeSmartmailingForm_submit\").hide();\n                jQuery(\"#shortcodeSmartmailingForm .smart-disclaimer\").hide();\n                jQuery(\"#shortcodeSmartmailingForm .success\").show();\n            });\n\n            return false;\n        });\n    });\n\n    function shortcodeSmartmailingForm_validateEmail(email)\n    {\n        var re = \/^(([^<>()[\\]\\\\.,;:\\s@\\\"]+(\\.[^<>()[\\]\\\\.,;:\\s@\\\"]+)*)|(\\\".+\\\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\n        return re.test(email);\n    }\n<\/script>\n<form method=\"post\" id=\"shortcodeSmartmailingForm\" class=\"shortcode-smartmailing-form\" action=\"\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/4357\">\n\n    <div>\n        <div class=\"fheader\">\n            <h3>\n                Podnikejte bez omyl\u016f - z\u00edskejte tipy z na\u0161eho blogu            <\/h3>\n            <div class=\"se-text\">\n                <p>\n                    P\u0159ihlaste se k e-mailov\u00e9mu seri\u00e1lu a z\u00edskejte to nejlep\u0161\u00ed z blogu Money.cz.                    <a class=\"info\" title=\"E-maily v\u00e1m budou zas\u00edl\u00e1ny maxim\u00e1ln\u011b dvakr\u00e1t do m\u011bs\u00edce. Z odb\u011bru se m\u016f\u017eete kdykoliv odhl\u00e1sit.\">info<\/a>\n                <\/p>\n            <\/div>\n        <\/div>\n\n        <div class=\"ffooter\">\n            <div class=\"se-body\">\n                <input type=\"text\" id=\"shortcodeSmartmailingForm_email\" placeholder=\"Zadejte v\u00e1\u0161 e-mail\" \/>\n                <input type=\"hidden\" id=\"shortcodeSmartmailingForm_stdc\" value=\"S6\">\n                <input type=\"hidden\" id=\"shortcodeSmartmailingForm_url\" value=\"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/4357\">\n                <input type=\"hidden\" id=\"shortcodeSmartmailingForm_referrer\" value=\"\">\n\n                <div class=\"se-submit\">\n                    <button type=\"submit\" id=\"shortcodeSmartmailingForm_submit\" value=\"Chci b\u00fdt v obraze\">Chci b\u00fdt v obraze<\/button>\n                                          <p class=\"mlctr success\" style=\"display: none;\">D\u011bkujeme, <strong>zkontrolujte Va\u0161i e-mailovou schr\u00e1nku<\/strong> pro potvrzen\u00ed odb\u011bru.<\/p>\n                                    <\/div>\n            <\/div>\n                          <p class=\"smart-disclaimer\">Odesl\u00e1n\u00edm souhlas\u00edte s na\u0161imi\n                <a href=\"https:\/\/money.cz\/ochrana-osobnich-udaju\/#zzvou\" target=\"_blank\">z\u00e1sadami pro zpracov\u00e1n\u00ed osobn\u00edch \u00fadaj\u016f<\/a>.\n              <\/p>\n                    <\/div>\n    <\/div>\n<\/form>\n<h2>Co kdy\u017e se sazba b\u011bhem prodlen\u00ed zm\u011bn\u00ed<\/h2>\n<p>K aktualizaci sazby \u00faroku z prodlen\u00ed doch\u00e1z\u00ed ka\u017ed\u00fd p\u016flrok, m\u016f\u017ee se tedy st\u00e1t, \u017ee dluh a s t\u00edm souvisej\u00edc\u00ed \u00faroky z prodlen\u00ed p\u0159eklenou dv\u011b nebo v\u00edce obdob\u00ed. Potom se <strong>dluh \u00faro\u010d\u00ed v\u017edy aktu\u00e1ln\u00ed sazbou<\/strong>.<\/p>\n<p>Jestli\u017ee nap\u0159\u00edklad va\u0161e firma nezaplatila DPH splatn\u00e9 v prvn\u00edm pololet\u00ed 2024, bude se \u00faro\u010dit sazbou 14,75 % p.a. a pokud ten sam\u00fd dluh bude trvat i v druh\u00e9m pololet\u00ed, tak od 1. \u010dervence 2024 se \u00faro\u010d\u00ed nov\u011b sazbou 12,75 % p.a.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00daroky z prodlen\u00ed v ob\u010dansko-pr\u00e1vn\u00edch a podnikatelsk\u00fdch vztaz\u00edch V\u00fd\u0161i \u00faroku z prodlen\u00ed ur\u010duje vl\u00e1dn\u00ed na\u0159\u00edzen\u00ed a rovn\u00e1 se aktu\u00e1ln\u00ed repo sazb\u011b \u010cNB nav\u00fd\u0161enou o osm &#8230;<\/p>\n","protected":false},"author":2,"featured_media":4359,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[152,141,117],"class_list":["post-4357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-podnikani","tag-dluh","tag-pujcka","tag-zakony"],"acf":[],"_links":{"self":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/4357","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/comments?post=4357"}],"version-history":[{"count":5,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/4357\/revisions"}],"predecessor-version":[{"id":16245,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/posts\/4357\/revisions\/16245"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/media\/4359"}],"wp:attachment":[{"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/media?parent=4357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/categories?post=4357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/money.cz\/novinky-a-tipy\/wp-json\/wp\/v2\/tags?post=4357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}