{"id":172,"date":"2018-10-05T12:10:52","date_gmt":"2018-10-05T12:10:52","guid":{"rendered":"http:\/\/loanstar.com\/cz\/?page_id=172"},"modified":"2019-07-18T14:50:35","modified_gmt":"2019-07-18T12:50:35","slug":"pujcka-na-auto","status":"publish","type":"page","link":"https:\/\/loanstar.com\/cz\/pujcky\/pujcka-na-auto\/","title":{"rendered":"P\u016fj\u010dka na auto"},"content":{"rendered":"

P\u016fj\u010dka na auto \u2014 v\u0161e, co byste o n\u00ed m\u011bli v\u011bd\u011bt<\/h2>\n

\"\"\u017divot bez auta? To si v\u011bt\u0161ina z n\u00e1s v\u016fbec nedok\u00e1\u017ee p\u0159edstavit. Vlastn\u00ed automobil n\u00e1m toti\u017e d\u00e1v\u00e1 pocit naprost\u00e9 svobody \u2014 p\u0159epravit se, kam pot\u0159ebuji, cestovat s rodinou, jezdit na n\u00e1kupy a vykon\u00e1vat sv\u00e9 povol\u00e1n\u00ed. Proto je t\u0159eba pe\u010dliv\u011b zv\u00e1\u017eit, jak a kde z\u00edskat pot\u0159ebn\u00e9 prost\u0159edky na n\u00e1kup automobilu a nenechat se uv\u011bznit do nev\u00fdhodn\u00e9 p\u016fj\u010dky na auto \u010di leasingu na mnoho let dop\u0159edu. P\u016fj\u010dka na auto je v na\u0161em \u017eivot\u011b d\u016fle\u017eit\u00e9 finan\u010dn\u00ed rozhodnut\u00ed. V n\u00e1sleduj\u00edc\u00edm \u010dl\u00e1nku si vysv\u011btl\u00edme, jak\u00e9 mo\u017enosti financov\u00e1n\u00ed auta sou\u010dasn\u00fd trh nab\u00edz\u00ed<\/strong> a jak si mezi nimi vybrat takovou mo\u017enost, kter\u00e1 nejl\u00e9pe vyhov\u00ed pr\u00e1v\u011b va\u0161im pot\u0159eb\u00e1m.<\/p>\n

Nejd\u016fle\u017eit\u011bj\u0161\u00ed rozhodov\u00e1n\u00ed, kter\u00e9 v\u00e1s \u010dek\u00e1, je vybrat si mezi leasingem a spot\u0159ebitelskou p\u016fj\u010dkou. Ob\u011b mo\u017enosti maj\u00ed nejen sv\u00e1 pro a proti, ale li\u0161\u00ed se tak\u00e9 svou dostupnost\u00ed. Zvolte spr\u00e1vn\u011b a na n\u00e1kupu auta u\u0161et\u0159\u00edte. <\/strong>Zvolte \u0161patn\u011b a za p\u016fj\u010dku na auto na spl\u00e1tk\u00e1ch a poplatc\u00edch zaplat\u00edte mnohem v\u00edc, ne\u017e je skute\u010dn\u00e1 hodnota auta.<\/p>\n

Auto je vybran\u00e9, ale jak ho uhradit?<\/h3>\n

V\u00fdb\u011br auta je proces s\u00e1m o sob\u011b<\/a>. A\u0165 u\u017e si kupujete sv\u00e9 prvn\u00ed auto nebo chcete vym\u011bnit sv\u00e9 star\u00e9, um\u00edraj\u00edc\u00ed auto za nov\u00fd model. Ur\u010dit\u011b p\u0159em\u00fd\u0161l\u00edte, jak\u00e9 zna\u010dce auta d\u00e1te p\u0159ednost a zda si po\u0159\u00edd\u00edte nov\u00e9 auto nebo rad\u011bji ojetinu<\/a>. A kdy\u017e se kone\u010dn\u011b rozhodnete, jak\u00e9 auto chcete nadch\u00e1zej\u00edc\u00ed roky \u0159\u00eddit, \u010dek\u00e1 v\u00e1s dal\u0161\u00ed v\u00fdzva\u2026 Uva\u0159te si \u0161\u00e1lek k\u00e1vy, nyn\u00ed je \u010das pop\u0159em\u00fd\u0161let nad mo\u017en\u00fdmi zp\u016fsoby financov\u00e1n\u00ed va\u0161eho nov\u00e9ho vozu.<\/p>\n

Leasing nebo spot\u0159ebitelsk\u00fd \u00fav\u011br na auto?<\/h2>\n

Osobn\u00ed automobil je typick\u00e9 spot\u0159ebn\u00ed zbo\u017e\u00ed \u2014 po p\u00e1r letech ka\u017edodenn\u00edho pou\u017e\u00edv\u00e1n\u00ed ho zpravidla spot\u0159ebujeme. Proto je logick\u00e9, \u017ee je mo\u017en\u00e9 financovat po\u0159\u00edzen\u00ed automobilu ze spot\u0159ebitelsk\u00e9ho \u00fav\u011bru. V\u011bt\u0161ina prodejc\u016f automobil\u016f ale krom\u011b \u00fav\u011bru nab\u00edz\u00ed tak\u00e9 leasing<\/strong>. Nejv\u011bt\u0161\u00edm rozd\u00edlem je ot\u00e1zka vlastnictv\u00ed auta. Z\u00edsk\u00e1te-li spot\u0159ebitelsk\u00fd \u00fav\u011br na auto, automobil je okam\u017eit\u011b v\u00e1\u0161 a v p\u0159\u00edpad\u011b probl\u00e9m\u016f se spl\u00e1cen\u00edm \u00fav\u011bru ho m\u016f\u017eete kdykoliv prodat. P\u016fj\u010dky na auto, opravy, havarijn\u00ed poji\u0161t\u011bn\u00ed si ov\u0161em mus\u00edte za\u0159\u00eddit sami. Leasing na auto je na druhou stranu jednodu\u0161\u0161\u00ed z\u00edskat, ale je zpravidla dra\u017e\u0161\u00ed. Z\u00e1sadn\u00edm rozd\u00edlem je hlavn\u011b to, \u017ee si auto od dan\u00e9 spole\u010dnosti pouze pronaj\u00edm\u00e1te. Jeho vlastn\u00edkem se stanete a\u017e v okam\u017eiku uhrazen\u00ed posledn\u00ed spl\u00e1tky. \u0158ekn\u011bme si nyn\u00ed o obou mo\u017enostech v\u00edc.<\/p>\n

Vlastn\u00ed p\u016fj\u010dka na auto, kdy je vozidlo hned va\u0161e<\/h2>\n

\u010ce\u0161i si kupuj\u00ed ojet\u00e9 vozy, ale nyn\u00ed d\u00e1vaj\u00ed p\u0159ednost ojet\u00fdm voz\u016fm vy\u0161\u0161\u00ed kvality. Kupuj\u00ed tud\u00ed\u017e bezpe\u010dn\u011bj\u0161\u00ed, pohodln\u011bj\u0161\u00ed vozy s lep\u0161\u00ed v\u00fdbavou, kter\u00e9 jsou ale tak\u00e9 logicky dra\u017e\u0161\u00ed. Od roku 2010 do roku 2016 se pr\u016fm\u011brn\u00e1 cena ojet\u00e9ho vozu na spl\u00e1tky zv\u00fd\u0161ila asi o 60.000 K\u010d na 210.000 K\u010d a st\u00e1le roste. Na\u0161t\u011bst\u00ed i na takovou \u010d\u00e1stku je za ur\u010dit\u00fdch podm\u00ednek b\u011b\u017en\u011b mo\u017en\u00e9 sjednat spot\u0159ebitelsk\u00fd \u00fav\u011br na auto p\u0159\u00edmo u prodejce vozidel nebo u finan\u010dn\u00ed spole\u010dnosti \u010di banky.<\/p>\n\n<\/colgroup>\n<\/colgroup>\n\n\n\n\n\n\n
Rok<\/td>\nPr\u016fm\u011brn\u00e1 cena ojet\u00e9ho vozu koupen\u00e9ho na spl\u00e1tky<\/td>\n<\/tr>\n
2010<\/td>\n153.000<\/td>\n<\/tr>\n
2011<\/td>\n166.000<\/td>\n<\/tr>\n
2016<\/td>\n210.000<\/td>\n<\/tr>\n
2018<\/td>\n235.000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\"\"Oproti \u00fav\u011bru, kter\u00fd v\u00e1m nab\u00eddne autobazar a ze kter\u00e9ho m\u00e1 sv\u00e9 provize, si m\u016f\u017eete p\u016fj\u010dku na auto sjednat sami. Je mo\u017en\u00e9 v\u011bt\u0161inou voln\u011bji nastavit podm\u00ednky spl\u00e1cen\u00ed \u00fav\u011bru, jako je jeho d\u00e9lka nebo po\u010det a v\u00fd\u0161e spl\u00e1tek. Vlastn\u00ed p\u016fj\u010dku na auto m\u016f\u017eete tak\u00e9 splatit rychleji nebo si ji p\u0159en\u00e9st jinam.<\/strong> A\u00a0to bez extr\u00e9mn\u00edch poplatk\u016f, kter\u00e9 si pro tyto p\u0159\u00edpady obvykle \u00fa\u010dtuj\u00ed autobazary (i kdy\u017e posledn\u00ed z\u00e1konn\u00e9 \u00fapravy je v tom omezuj\u00ed). P\u016fj\u010dka na auto v\u00e1m zkr\u00e1tka d\u00e1v\u00e1 v\u00edce svobody. Ale jej\u00ed nejv\u011bt\u0161\u00ed v\u00fdhodou je, \u017ee jste okam\u017eit\u011b plnopr\u00e1vn\u00fdm majitelem auta \u2014 m\u016f\u017eete s n\u00edm jezdit kamkoliv, p\u016fj\u010dit ho komukoliv.<\/p>\n

Spot\u0159ebitelsk\u00fd \u00fav\u011br je ov\u0161em t\u0159eba nejd\u0159\u00edve z\u00edskat. Obecn\u011b se vyplat\u00ed p\u0159ipravit se p\u0159edem a na sv\u00e9 \u00fav\u011bruschopnosti z pohledu banky s p\u0159edstihem pracovat. Zde v\u00e1m porad\u00edme trik s kreditn\u00ed kartou. Samoz\u0159ejm\u011b \u017ee s b\u011b\u017enou kreditkou si nov\u00e9 auto nezaplat\u00edte, ale\u2026 Pokud nyn\u00ed pot\u0159ebujete prost\u0159edky na n\u00e1kup vozu a m\u00e1te-li ji\u017e n\u011bjakou dobu sjednanou kreditn\u00ed kartu s dobr\u00fdm limitem, n\u011bkter\u00e9 banky v\u00e1m umo\u017en\u00ed p\u0159eklopit \u00fav\u011br z kreditky (je-li \u0159\u00e1dn\u011b spl\u00e1cen\u00fd) na b\u011b\u017en\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br. Ten bude m\u00edt zajist\u00e9 lep\u0161\u00ed podm\u00ednky i \u00farok. Je to rychlej\u0161\u00ed a jednodu\u0161\u0161\u00ed ne\u017e schvalov\u00e1n\u00ed \u00fapln\u011b nov\u00e9ho \u00fav\u011bru. Nezapome\u0148te, \u017ee pokud banka \u017e\u00e1dost o \u00fav\u011br zam\u00edtne, tak se m\u016f\u017eete obr\u00e1tit na n\u011bkterou z velk\u00fdch nebankovn\u00edch spole\u010dnost\u00ed<\/strong>, kter\u00e9 jsou p\u0159i schvalov\u00e1n\u00ed \u017e\u00e1dost\u00ed o p\u016fj\u010dku m\u00e9n\u011b p\u0159\u00edsn\u00e9.<\/p>\n

Speci\u00e1ln\u00ed p\u016fj\u010dka na auto \u2014 auto\u00fav\u011br<\/h3>\n

\"\"N\u011bkter\u00e9 banky nyn\u00ed za\u010daly nab\u00edzet tak\u00e9 speci\u00e1ln\u00ed \u00fa\u010delov\u00e9 p\u016fj\u010dky na auto<\/strong>. Zpravidla maj\u00ed jasn\u011b a p\u0159ehledn\u011b stanoven\u00e9 podm\u00ednky a v n\u011bkter\u00fdch p\u0159\u00edpadech nab\u00edz\u00ed spolu s \u00fav\u011brem i dal\u0161\u00ed v\u00fdhody, jako je slu\u017eba prov\u011b\u0159en\u00ed kvality kupovan\u00e9ho vozidla. Ro\u010dn\u00ed \u00farokov\u00e1 sazba se u t\u011bchto p\u016fj\u010dek pohybuje mezi 2,8 % a 5,9 % s minim\u00e1ln\u00ed p\u016fj\u010dkou ji\u017e od 50.000 K\u010d. Z toho vid\u00edme, \u017ee speci\u00e1ln\u00ed p\u016fj\u010dka na auto je u banky v\u011bt\u0161inou o dost v\u00fdhodn\u011bj\u0161\u00ed ne\u017e b\u011b\u017en\u00e1 spot\u0159ebitelsk\u00e1 ne\u00fa\u010delov\u00e1 p\u016fj\u010dka<\/a><\/strong>. Na \u00faroc\u00edch zaplat\u00edte o dost m\u00e9n\u011b.<\/p>\n

Na druhou stranu m\u00e1 spot\u0159ebitelsk\u00fd \u00fav\u011br na auto oproti leasingu n\u011bkolik nev\u00fdhod. Nejv\u011bt\u0161\u00ed rozd\u00edl je, \u017ee pokud v\u00e1m bude auto ukradeno, va\u0161e p\u016fj\u010dka na auto se stejn\u011b mus\u00ed dopl\u00e1cet. A na va\u0161ich bedrech jsou i dal\u0161\u00ed povinnosti spojen\u00e9 s vlastnictv\u00edm auta. Nejen, \u017ee si mus\u00edte zcela sami vybrat, vy\u0159\u00eddit p\u016fj\u010dku a sjednat si jej\u00ed podm\u00ednky. Ale tak\u00e9 si za\u0159izujete poji\u0161t\u011bn\u00ed auta, pravideln\u00fd servis, technickou kontrolu a dal\u0161\u00ed povinnosti. P\u0159esto zpravidla spot\u0159ebitelsk\u00e1 p\u016fj\u010dka na auto vych\u00e1z\u00ed levn\u011bji ne\u017e leasing. P\u0159ibudou v\u00e1m jen zm\u00edn\u011bn\u00e9 administrativn\u00ed starosti a p\u00e9\u010de o va\u0161e vozidlo.<\/p>\n

Shr\u0148me si: spot\u0159ebitelsk\u00e1 p\u016fj\u010dka na auto \u2014 v\u00fdhody a nev\u00fdhody<\/h3>\n

Spot\u0159ebitelsk\u00e1 p\u016fj\u010dka na auto je v\u00fdhodn\u011bj\u0161\u00ed, proto\u017ee:<\/p>\n

    \n
  • jste okam\u017eit\u011b majitelem auta<\/strong><\/li>\n
  • zpravidla vyjde levn\u011bji, obzvl\u00e1\u0161t\u011b speci\u00e1ln\u00ed bankovn\u00ed produkty ur\u010den\u00e9 p\u0159\u00edmo \u00fa\u010delov\u011b na po\u0159\u00edzen\u00ed auta<\/li>\n
  • m\u016f\u017eete s p\u016fj\u010dkou l\u00e9pe pracovat, nap\u0159\u00edklad ji p\u0159ed\u010dasn\u011b splatit nebo p\u0159en\u00e9st jinam<\/li>\n
  • od za\u010d\u00e1tku m\u00e1te p\u0159ehled o ve\u0161ker\u00fdch poplatc\u00edch a \u00farokov\u00fdch sazb\u00e1ch, co\u017e usnad\u0148uje srovn\u00e1n\u00ed jednotliv\u00fdch nab\u00eddek<\/li>\n
  • p\u016fj\u010dku si m\u016f\u017eete sjednat u banky nebo nebankovn\u00ed spole\u010dnosti podle vlastn\u00edho v\u00fdb\u011bru<\/li>\n
  • auto m\u016f\u017eete vyu\u017e\u00edvat zcela bez omezen\u00ed<\/strong> a najet neomezen\u00e9 mno\u017estv\u00ed kilometr\u016f nebo ho p\u016fj\u010dit \u010di prodat p\u0159edt\u00edm, ne\u017e se jeho tr\u017en\u00ed hodnota v\u00fdrazn\u011b sn\u00ed\u017e\u00ed<\/li>\n<\/ul>\n

    Spot\u0159ebitelsk\u00e1 p\u016fj\u010dka na auto m\u00e1 oproti leasingu n\u00e1sleduj\u00edc\u00ed nev\u00fdhody:<\/p>\n

      \n
    • Abyste \u00fav\u011br z\u00edskali, mus\u00ed v\u00e1s banka \u010di nebankovn\u00ed spole\u010dnost shledat \u00fav\u011bruschopn\u00fdmi (pravideln\u00fd p\u0159\u00edjem, n\u00edzk\u00e9 \u017eivotn\u00ed n\u00e1klady, dobr\u00e1 bonita)<\/li>\n
    • P\u016fj\u010dku si mus\u00edte za\u0159\u00eddit sami<\/li>\n
    • Pokud o auto p\u0159ijdete, p\u016fj\u010dku mus\u00edte doplatit<\/li>\n
    • M\u011bs\u00ed\u010dn\u00ed spl\u00e1tky jsou zpravidla vy\u0161\u0161\u00ed<\/li>\n
    • Poji\u0161t\u011bn\u00ed a servis auta si mus\u00edte za\u0159\u00eddit sami<\/strong><\/li>\n<\/ul>\n

      Leasing na auto<\/h2>\n

      Je-li va\u0161\u00edm c\u00edlem po\u0159\u00eddit si nov\u00e9 modern\u00ed auto, o kter\u00e9m u\u017e dlouho sn\u00edte, nebo kvalitn\u00ed a t\u00e9m\u011b\u0159 nov\u00e9 ojet\u00e9 auto, pak pravd\u011bpodobn\u011b pro n\u00e1kup vozidla vyu\u017eijete leasing. Toto slovo dnes zn\u00e1 snad ka\u017ed\u00fd, p\u0159esto si rychle vysv\u011btl\u00edme, co leasing znamen\u00e1. P\u0159i leasingu finan\u010dn\u00ed instituce neposkytuje osob\u011b finan\u010dn\u00ed prost\u0159edky pro n\u00e1kup za\u0159\u00edzen\u00ed, ale pouze mu sv\u011b\u0159uje v\u011bcnou hodnotu k osobn\u00edmu \u010di podnikatelsk\u00e9mu vyu\u017eit\u00ed. Leasingovou smlouvu lze sjednat nejen na auto, ale tak\u00e9 na stroje, strojn\u00ed za\u0159\u00edzen\u00ed nebo budovy.<\/p>\n

      \"\"Koup\u00edte-li si auto na leasing, ve skute\u010dnosti si ho pouze pronaj\u00edm\u00e1te a vozidlo je a\u017e do okam\u017eiku splacen\u00ed posledn\u00ed spl\u00e1tky v majetku leasingov\u00e9 spole\u010dnosti. Zpravidla se jedn\u00e1 o finan\u010dn\u00ed leasing<\/strong>, po jeho\u017e uplynut\u00ed a \u0159\u00e1dn\u00e9m splacen\u00ed se stanete majitelem vozidla. P\u0159ed n\u011bkolika lety si \u0159idi\u010di a \u0159idi\u010dky obl\u00edbili jinou formu leasingu, a to operativn\u00ed leasing<\/strong>, kter\u00fd n\u011bkter\u00e9 leasingov\u00e9 spole\u010dnosti za\u010daly nab\u00edzet jako alternativu k finan\u010dn\u00edmu leasingu. Operativn\u00ed leasing se je\u0161t\u011b v\u00edc podob\u00e1 pron\u00e1jmu, proto\u017ee po uplynut\u00ed sjednan\u00e9 lh\u016fty se vozidlo vrac\u00ed zp\u011bt leasingov\u00e9 spole\u010dnosti. Pro jak\u00fd typ leasingu se rozhodnout? Ka\u017ed\u00fd typ m\u00e1 sv\u00e1 pro i proti, poj\u010fme se na n\u011b nyn\u00ed pod\u00edvat bl\u00ed\u017ee.<\/p>\n

      Finan\u010dn\u00ed leasing na auto \u2014 pomalu, ale jist\u011b k vlastn\u00edmu vozu<\/h3>\n

      Finan\u010dn\u00ed leasing nebo leasing na auto je rozhodn\u011b nej\u010dast\u011bj\u0161\u00ed zp\u016fsob financov\u00e1n\u00ed vlastn\u00edho vozu. Kdy\u017e se objev\u00edte v autosalonu nebo autobazaru a projev\u00edte z\u00e1jem o koupi osobn\u00edho vozu, nikdo po v\u00e1s nebude cht\u00edt pen\u00edze za auto v hotovosti. Dostanete na v\u00fdb\u011br r\u016fzn\u00e9 mo\u017enosti financov\u00e1n\u00ed, jako je p\u016fj\u010dka na auto nebo koup\u011b na leasing. Neberte hned prvn\u00ed nab\u00eddku, kterou v\u00e1m nab\u00eddnou! Obchodn\u00edk chce na prodeji vyd\u011blat, a proto se nelze divit, \u017ee nejd\u0159\u00edve p\u0159edlo\u017e\u00ed leasingovou smlouvu, kter\u00e1 mu p\u0159inese nejv\u011bt\u0161\u00ed provize. M\u016f\u017ee to z\u00e1rove\u0148 b\u00fdt i ta nejlep\u0161\u00ed varianta pro v\u00e1s, ale tak\u00e9 nemus\u00ed.<\/p>\n

      Mal\u00fd tip pro v\u00e1s<\/strong> \u2014 pokud v\u00e1m nab\u00eddky financov\u00e1n\u00ed nab\u00edzen\u00e9 autoprodejcem p\u0159ipadaj\u00ed p\u0159\u00edli\u0161 drah\u00e9, nebojte se zeptat a informujte se, zda nap\u0159\u00edklad nelze za\u0159\u00eddit p\u016fj\u010dku na auto jinde. Pokud chce obchodn\u00edk prodat, nab\u00eddne v\u00e1m jinou, pro v\u00e1s v\u00fdhodn\u011bj\u0161\u00ed smlouvu.<\/p>\n

      Smlouva o finan\u010dn\u00edm leasingu<\/h3>\n

      \"p\u016fj\u010dkaPodeps\u00e1n\u00edm leasingov\u00e9 smlouvy si p\u016fj\u010dujete vozidlo na celou dobu jeho \u017eivotnosti a po dohodnutou dobu auto postupn\u011b spl\u00e1c\u00edte. Dokud nesplat\u00edte celou hodnotu auta, vozidlo z\u016fst\u00e1v\u00e1 v majetku leasingov\u00e9 spole\u010dnosti. Na druhou stranu nepot\u0159ebujete \u017e\u00e1dn\u00e9ho ru\u010ditele. Za pln\u011bn\u00ed smlouvy toti\u017e ru\u010d\u00edte pr\u00e1v\u011b automobilem. Pokud podm\u00ednky pln\u011bn\u00ed smlouvy nespln\u00edte, o auto p\u0159ijdete a vlo\u017een\u00e9 pen\u00edze nez\u00edsk\u00e1te zp\u011bt.<\/strong><\/p>\n

      Dal\u0161\u00ed v\u00fdhodou leasingu oproti spot\u0159ebitelsk\u00e9 p\u016fj\u010dce je m\u00e9n\u011b administrativn\u00edch starost\u00ed. Prodejce (v p\u0159\u00edpad\u011b autobazar\u016f za poplatek) se postar\u00e1 jak o administrativu, tak o kontrolu stavu vozidla. Tak\u00e9 havarijn\u00ed a povinn\u00e9 poji\u0161t\u011bn\u00ed je sou\u010d\u00e1st\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/strong>. Splacen\u00edm posledn\u00ed spl\u00e1tky se st\u00e1v\u00e1te majitelem automobilu.<\/p>\n

      Ka\u017ed\u00e9 t\u0159i roky nov\u00e9 auto \u2014 operativn\u00ed leasing<\/h2>\n

      Pokud si m\u016f\u017eete dovolit vy\u0161\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed platby za auto, nechcete s n\u00edm m\u00edt \u017e\u00e1dn\u00e9 starosti a ka\u017ed\u00e9 t\u0159i roky jezdit v nov\u00e9m aut\u011b, pak ocen\u00edte operativn\u00ed leasing na auto. Tento model financov\u00e1n\u00ed si z\u00edsk\u00e1v\u00e1 st\u00e1le v\u00edce p\u0159\u00edznivc\u016f,<\/strong> proto je v nab\u00eddce st\u00e1le v\u00edce autosalon\u016f i autobazar\u016f. Tak\u00e9 nab\u00eddka model\u016f vozidel, na kter\u00e9 lze sjednat operativn\u00ed leasing, neust\u00e1le nar\u016fst\u00e1. Ve smlouv\u011b na pron\u00e1jem auta prost\u0159ednictv\u00edm operativn\u00edho leasingu dohodnete maxim\u00e1ln\u00ed mo\u017en\u00fd po\u010det najet\u00fdch kilometr\u016f a pak u\u017e jen kupujete pohonn\u00e9 hmoty. O v\u0161e ostatn\u00ed se postar\u00e1 leasingov\u00e1 spole\u010dnost, kter\u00e9 vozidlo pat\u0159\u00ed. Dokonce \u010dasto i poskytne n\u00e1hradn\u00ed vozidlo, je-li to st\u00e1vaj\u00edc\u00ed v servisu.<\/p>\n

      Leasingov\u00e1 smlouva se sjedn\u00e1v\u00e1 na dobu v\u00fdrazn\u011b krat\u0161\u00ed ne\u017e finan\u010dn\u00ed leasing a v\u00fd\u0161e spl\u00e1tek se po\u010d\u00edt\u00e1 jen z \u010d\u00e1stky, o kterou se sn\u00ed\u017e\u00ed hodnota vozu za dobu jeho pou\u017e\u00edv\u00e1n\u00ed. M\u016f\u017ee tedy vyj\u00edt podstatn\u011b levn\u011bji, ale po uplynut\u00ed smlouvy se auto vrac\u00ed zp\u011bt dan\u00e9 spole\u010dnosti.<\/strong> Odkup zpravidla nen\u00ed mo\u017en\u00fd, ale existuj\u00ed v\u00fdjimky. Investi\u010dn\u00ed rizika i riziko ztr\u00e1ty hodnoty vozidla z\u016fst\u00e1vaj\u00ed na bedrech spole\u010dnosti, co\u017e je dal\u0161\u00ed v\u00fdhoda tohoto modelu.<\/p>\n

      \"\"A\u0165 u\u017e zvol\u00edte jak\u00fdkoliv typ leasingu, vyplat\u00ed se v\u00e1m se o auto b\u011bhem trv\u00e1n\u00ed smlouvy dob\u0159e starat. V p\u0159\u00edpad\u011b finan\u010dn\u00edho leasingu je d\u016fvod jasn\u00fd \u2014 chcete, aby do va\u0161eho vlastnictv\u00ed p\u0159e\u0161lo auto v dobr\u00e9m stavu. V p\u0159\u00edpad\u011b operativn\u00edho leasingu jde sp\u00ed\u0161 o to, \u017ee v moment\u011b p\u0159eb\u00edr\u00e1n\u00ed automobilu v\u00e1m spole\u010dnost m\u016f\u017ee za\u00fa\u010dtovat zji\u0161t\u011bn\u00e9 \u0161kody a z\u00e1vady na vozidle. A tak\u00e9 kilometry, kter\u00e9 najedete nad dohodnut\u00fd limit!<\/p>\n

      Ojet\u00fd v\u016fz na operativn\u00ed leasing<\/h3>\n

      Dnes je mo\u017en\u00e9 vyu\u017e\u00edt operativn\u00ed leasing i na ojet\u00e9 vozy. Zpravidla se jedn\u00e1 o osobn\u00ed auta, kter\u00e1 nenajela mnoho kilometr\u016f a jsou v podstat\u011b jako nov\u00e1. Pokud ale nepot\u0159ebujete nejnov\u011bj\u0161\u00ed model a va\u0161im pot\u0159eb\u00e1m vyhov\u00ed i star\u0161\u00ed ojet\u00fd v\u016fz, pak je pravd\u011bpodobn\u011b v\u00fdhodn\u011bj\u0161\u00ed vz\u00edt si spot\u0159ebitelskou p\u016fj\u010dku a zaplatit auto hotov\u011b nebo si vz\u00edt p\u016fj\u010dku od autobazaru, je-li dostate\u010dn\u011b v\u00fdhodn\u00e1.<\/p>\n

      Shr\u0148me si: leasingov\u00e1 smlouva na auto \u2014 v\u00fdhody a nev\u00fdhody<\/h3>\n

      Leasing m\u00e1 \u0159adu v\u00fdhod:<\/p>\n

        \n
      • Leasing je dostupn\u011bj\u0161\u00ed forma financov\u00e1n\u00ed n\u00e1kupu auta ne\u017e spot\u0159ebitelsk\u00e1 p\u016fj\u010dka, va\u0161e osobn\u00ed a finan\u010dn\u00ed situace nen\u00ed p\u0159\u00edli\u0161 prov\u011b\u0159ov\u00e1na<\/li>\n
      • Leasingov\u00fd pron\u00e1jem znamen\u00e1 m\u00e9n\u011b starost\u00ed \u2014 o v\u011bt\u0161inu pap\u00edrov\u00e1n\u00ed se postar\u00e1 leasingov\u00e1 spole\u010dnost<\/li>\n
      • Havarijn\u00ed a povinn\u00e9 ru\u010den\u00ed je ji\u017e sou\u010d\u00e1st\u00ed spl\u00e1tek<\/li>\n
      • Za spl\u00e1tky ru\u010d\u00edte vozem, nepot\u0159ebujete jin\u00e9 ru\u010den\u00ed<\/li>\n
      • Po splacen\u00ed finan\u010dn\u00edho leasingu p\u0159ech\u00e1z\u00ed auto do va\u0161eho vlastnictv\u00ed<\/li>\n
      • Podnikatel\u00e9 si mohou ode\u010d\u00edst n\u00e1klady na leasing z dan\u00ed<\/li>\n<\/ul>\n

        Existuj\u00ed ale i nev\u00fdhody leasingov\u00e9ho pron\u00e1jmu:<\/p>\n

          \n
        • Po dobu trv\u00e1n\u00ed leasingov\u00e9 smlouvy auto pat\u0159\u00ed spole\u010dnosti<\/li>\n
        • Operativn\u00ed leasing zpravidla omezuje va\u0161e mo\u017enosti pou\u017e\u00edv\u00e1n\u00ed vozu (po\u010det kilometr\u016f, opr\u00e1vn\u011bn\u00ed \u0159\u00eddit pro t\u0159et\u00ed osobu apod.)<\/li>\n
        • Zejm\u00e9na v p\u0159\u00edpad\u011b finan\u010dn\u00edho leasingu za auto celkov\u011b zaplat\u00edte v\u00edc, ne\u017e je jeho tr\u017en\u00ed hodnota<\/li>\n
        • Podm\u00ednky leasingov\u00e9 smlouvy nelze zpravidla v pr\u016fb\u011bhu upravovat, p\u0159\u00edpadn\u011b jen za cenu vysok\u00fdch poplatk\u016f<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"

          P\u016fj\u010dka na auto \u2014 v\u0161e, co byste o n\u00ed m\u011bli v\u011bd\u011bt \u017divot bez auta? To si v\u011bt\u0161ina z n\u00e1s v\u016fbec…<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":132,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/calculator-follow-up.php","meta":{"footnotes":""},"yoast_head":"\nP\u016fj\u010dka na auto - nejlep\u0161\u00ed nab\u00eddky - Duben 2026 - LoanStar \u010cesk\u00e1 republika<\/title>\n<meta name=\"description\" content=\"P\u0159ehledn\u00e1 nab\u00eddka r\u016fzn\u00fdch mo\u017enost\u00ed jak financovat auto. Leasing i \u00fav\u011bry. 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