{"id":30615,"date":"2026-01-22T08:56:11","date_gmt":"2026-01-22T07:56:11","guid":{"rendered":"https:\/\/www.cyprusproperties.sk\/bankovnictvi-a-finance\/"},"modified":"2026-02-01T21:22:18","modified_gmt":"2026-02-01T20:22:18","slug":"bankovnictvi-a-finance","status":"publish","type":"post","link":"https:\/\/www.cyprusproperties.sk\/cs\/bankovnictvi-a-finance\/","title":{"rendered":"Bankovnictv\u00ed a finance"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>1. M\u011bna<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Ofici\u00e1ln\u00ed m\u011bna:<\/strong> Tureck\u00e1 lira (TRY).<\/li>\n\n\n\n<li>V praxi se b\u011b\u017en\u011b pou\u017e\u00edvaj\u00ed tak\u00e9 <strong>EUR, GBP a USD<\/strong>, zejm\u00e9na p\u0159i <strong>n\u00e1kupu nemovitost\u00ed, pron\u00e1jmu a mezin\u00e1rodn\u00edch transakc\u00edch<\/strong>.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>2. Bankovn\u00ed syst\u00e9m<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Bankovn\u00ed sektor TRNC je regulov\u00e1n <strong>Centr\u00e1ln\u00ed bankou TRNC (KKTC Merkez Bankas\u0131<\/strong>).<\/li>\n\n\n\n<li>Mezi banky p\u016fsob\u00edc\u00ed v TRNC pat\u0159\u00ed:\n<ul class=\"wp-block-list\">\n<li><strong>M\u00edstn\u00ed banky<\/strong> (nap\u0159. Koop Bank, Creditwest, Near East Bank).<\/li>\n\n\n\n<li><strong>Pobo\u010dky tureck\u00fdch bank<\/strong> (nap\u0159. Ziraat Bank, \u0130\u015fbank, Garanti Bank).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Banky v TRNC <strong>nejsou sou\u010d\u00e1st\u00ed evropsk\u00e9ho nebo mezin\u00e1rodn\u00edho bankovn\u00edho syst\u00e9mu<\/strong> jako clearingov\u00e9 banky SWIFT, ale v\u011bt\u0161ina bank m\u00e1 <strong>k\u00f3dy SWIFT<\/strong> pro p\u0159\u00edjem a odes\u00edl\u00e1n\u00ed mezin\u00e1rodn\u00edch plateb p\u0159es Turecko.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>3. Zalo\u017een\u00ed bankovn\u00edho \u00fa\u010dtu<\/strong><br\/>\u2705 <strong>Kdo si m\u016f\u017ee zalo\u017eit \u00fa\u010det?<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>TRNC a tureck\u00fdch ob\u010dan\u016f.<\/li>\n\n\n\n<li>Cizinci s <strong>platn\u00fdm pasem<\/strong> a <strong>povolen\u00edm k pobytu<\/strong> nebo alespo\u0148 s <strong>kupn\u00ed smlouvou na nemovitost<\/strong> (v z\u00e1vislosti na bance).<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Po\u017eadovan\u00e9 dokumenty:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Pas<\/li>\n\n\n\n<li>D\u016fkaz o adrese (\u00fa\u010det za slu\u017eby v TRNC nebo kupn\u00ed\/n\u00e1jemn\u00ed smlouva).<\/li>\n\n\n\n<li>V n\u011bkter\u00fdch bank\u00e1ch je nutn\u00e9 <strong>da\u0148ov\u00e9 ID TRNC<\/strong> (z\u00edskan\u00e9 na finan\u010dn\u00edm \u00fa\u0159ad\u011b).<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Typy \u00fa\u010dt\u016f<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u011b\u017en\u00e9 \u00fa\u010dty<\/strong> &#8211; pro ka\u017edodenn\u00ed transakce<\/li>\n\n\n\n<li><strong>Spo\u0159ic\u00ed \u00fa\u010dty<\/strong> &#8211; nab\u00edzej\u00ed \u00farokov\u00e9 sazby (vy\u0161\u0161\u00ed ne\u017e v EU, ale s vy\u0161\u0161\u00edm m\u011bnov\u00fdm rizikem TRY).<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>4. Vklady a poji\u0161t\u011bn\u00ed vklad\u016f<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Vklady jsou poji\u0161t\u011bny pouze u <strong>Fondu poji\u0161t\u011bn\u00ed vklad\u016f TRNC<\/strong> a\u017e do v\u00fd\u0161e limitu stanoven\u00e9ho z\u00e1konem TRNC (~20 000 EUR v TRY).<\/li>\n\n\n\n<li>Nevztahuj\u00ed se na <strong>n\u011b mezin\u00e1rodn\u00ed syst\u00e9my poji\u0161t\u011bn\u00ed<\/strong> (nap\u0159. syst\u00e9m EU pro poji\u0161t\u011bn\u00ed vklad\u016f), proto\u017ee TRNC <strong>nen\u00ed mezin\u00e1rodn\u011b uzn\u00e1v\u00e1na<\/strong>.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>5. \u00darokov\u00e9 sazby a investice<\/strong><br\/>\u2705 <strong>\u00darokov\u00e9 sazby:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Spo\u0159ic\u00ed \u00fa\u010dty v <strong>TRY<\/strong> nab\u00edzej\u00ed v\u00fdrazn\u011b vy\u0161\u0161\u00ed \u00farok<strong>(15-30 % ro\u010dn\u011b<\/strong>) ne\u017e v EU, v z\u00e1vislosti na inflaci a <strong>politice centr\u00e1ln\u00ed banky TRNC<\/strong>.<\/li>\n\n\n\n<li>\u00da\u010dty v <strong>EUR nebo GBP<\/strong> maj\u00ed <strong>n\u00edzk\u00fd nebo nulov\u00fd \u00farok<\/strong>.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">\u2705 <strong>Investi\u010dn\u00ed produkty:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>M\u00edstn\u00ed banky nab\u00edzej\u00ed:\n<ul class=\"wp-block-list\">\n<li><strong>Term\u00ednovan\u00e9 vklady<\/strong> (TRY, EUR, GBP)<\/li>\n\n\n\n<li><strong>M\u00edstn\u00ed investi\u010dn\u00ed fondy<\/strong> (spojen\u00e9 s TRNC a tureck\u00fdmi trhy)<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Glob\u00e1ln\u00ed obchodov\u00e1n\u00ed s akciemi se obvykle prov\u00e1d\u00ed prost\u0159ednictv\u00edm <strong>tureck\u00fdch makl\u00e9\u0159sk\u00fdch \u00fa\u010dt\u016f<\/strong>.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>6. Platby a mezin\u00e1rodn\u00ed transakce<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Karty:<\/strong> <strong>Kreditn\u00ed<\/strong> karty: Banky vyd\u00e1vaj\u00ed <strong>debetn\u00ed a kreditn\u00ed karty VISA nebo Mastercard<\/strong>, kter\u00e9 jsou pou\u017eiteln\u00e9 i mimo TRNC.<\/li>\n\n\n\n<li><strong>P\u0159ij\u00edm\u00e1n\u00ed plateb ze zahrani\u010d\u00ed:<\/strong>\n<ul class=\"wp-block-list\">\n<li>V\u011bt\u0161ina bank m\u00e1 <strong>k\u00f3dy SWIFT<\/strong> pro mezin\u00e1rodn\u00ed p\u0159evody.<\/li>\n\n\n\n<li>Platby prob\u00edhaj\u00ed prost\u0159ednictv\u00edm <strong>koresponden\u010dn\u00edch bank v Turecku<\/strong>, co\u017e m\u016f\u017ee trvat <strong>2-5 dn\u00ed<\/strong>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Zas\u00edl\u00e1n\u00ed plateb do zahrani\u010d\u00ed:<\/strong> Odes\u00edl\u00e1n\u00ed prost\u0159ednictv\u00edm <strong>tureck\u00fdch bank<\/strong>, obvykle s <strong>vy\u0161\u0161\u00edmi poplatky<\/strong> ne\u017e v EU.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>7. Dan\u011b a bankovn\u00ed \u00fa\u010dty<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Vklady v bank\u00e1ch v TRNC mohou podl\u00e9hat <strong>dani z \u00farok\u016f<\/strong>, kter\u00e1 se automaticky ode\u010d\u00edt\u00e1 p\u0159i p\u0159ips\u00e1n\u00ed \u00farok\u016f (~10-15 % v z\u00e1vislosti na typu \u00fa\u010dtu).<\/li>\n\n\n\n<li>TRNC <strong>nen\u00ed sou\u010d\u00e1st\u00ed mezin\u00e1rodn\u00edch syst\u00e9m\u016f CRS ani FATCA<\/strong>, tak\u017ee automatick\u00e9 vykazov\u00e1n\u00ed do EU se neprov\u00e1d\u00ed.<\/li>\n\n\n\n<li><strong>Pozn\u00e1mka:<\/strong> Klienti mus\u00ed nahl\u00e1sit p\u0159\u00edjmy sv\u00e9mu <strong>da\u0148ov\u00e9mu \u00fa\u0159adu v domovsk\u00e9 zemi<\/strong>, pokud to vy\u017eaduje da\u0148ov\u00e1 rezidence.<\/li>\n<\/ul>\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n<p class=\"wp-block-paragraph\">\ud83d\udccc <strong>8. Kryptom\u011bny a fintech<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Kryptom\u011bny <strong>nejsou ofici\u00e1ln\u011b regulov\u00e1ny ani zak\u00e1z\u00e1ny<\/strong>.<\/li>\n\n\n\n<li>N\u011bkter\u00e9 m\u00edstn\u00ed <strong>fintech spole\u010dnosti<\/strong> umo\u017e\u0148uj\u00ed <strong>n\u00e1kup a prodej kryptom\u011bn prost\u0159ednictv\u00edm Turecka<\/strong>.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\ud83d\udccc 1. M\u011bna \ud83d\udccc 2. Bankovn\u00ed syst\u00e9m \ud83d\udccc 3. Zalo\u017een\u00ed bankovn\u00edho \u00fa\u010dtu\u2705 Kdo si m\u016f\u017ee zalo\u017eit \u00fa\u010det? \u2705 Po\u017eadovan\u00e9 dokumenty: \u2705 Typy \u00fa\u010dt\u016f: \ud83d\udccc 4. Vklady a poji\u0161t\u011bn\u00ed vklad\u016f \ud83d\udccc 5. \u00darokov\u00e9 sazby a investice\u2705 \u00darokov\u00e9 sazby: \u2705 Investi\u010dn\u00ed produkty: \ud83d\udccc 6. Platby a mezin\u00e1rodn\u00ed transakce \ud83d\udccc 7. Dan\u011b a bankovn\u00ed \u00fa\u010dty \ud83d\udccc 8. Kryptom\u011bny&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[668,669,666,665,667],"tags":[],"class_list":["post-30615","post","type-post","status-publish","format-standard","hentry","category-2-obcanstvi-viza-a-pobyt","category-informace-pro-kupujici","category-severni-kypr","category-zakony","category-zakony-severni-kypr"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30615","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/comments?post=30615"}],"version-history":[{"count":1,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30615\/revisions"}],"predecessor-version":[{"id":30616,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/posts\/30615\/revisions\/30616"}],"wp:attachment":[{"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/media?parent=30615"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/categories?post=30615"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cyprusproperties.sk\/cs\/wp-json\/wp\/v2\/tags?post=30615"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}