{"id":810,"date":"2023-05-17T20:11:34","date_gmt":"2023-05-17T18:11:34","guid":{"rendered":"https:\/\/regbu.com\/?p=810"},"modified":"2025-09-05T07:42:31","modified_gmt":"2025-09-05T05:42:31","slug":"leasing-vs-pujcka-na-auto-co-vybrat","status":"publish","type":"post","link":"https:\/\/regbu.com\/lt\/lizingas-vs-paskolos-automobiliui-ka-rinkti\/","title":{"rendered":"Lizingas ir automobilio paskola. K\u0105 rinktis?"},"content":{"rendered":"<p>Lizingas ir automobili\u0173 paskolos yra du da\u017eniausiai pasitaikantys transporto priemon\u0117s finansavimo b\u016bdai. I\u0161imtis, \u017einoma, yra tada, kai turite pakankamai susitaup\u0119 pinig\u0173 ir galite \u012fsigyti transporto priemon\u0119 patys, mok\u0117dami grynaisiais pinigais arba per <a href=\"https:\/\/regbu.com\/lt\/internetiniai-mokejimai-ispejimas-apie-galimas-rizikas\/\"><strong>mok\u0117jimai internetu<\/strong><\/a>. Ta\u010diau jei neturite pakankamai pinig\u0173, galite rinktis i\u0161 trij\u0173 skirting\u0173 variant\u0173.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paskola automobiliui<\/li>\n\n\n\n<li>Finansin\u0117 i\u0161perkamoji nuoma<\/li>\n\n\n\n<li>Operatyvioji nuoma<\/li>\n<\/ul>\n\n\n\n<p>Kiekvienas i\u0161 \u0161i\u0173 produkt\u0173 pasi\u017eymi savitomis savyb\u0117mis ir turi tam tikr\u0173 privalum\u0173 ir tr\u016bkum\u0173. Tod\u0117l kiekvienam i\u0161 j\u016bs\u0173 tikriausiai tinka skirtingas sprendimas. Jei nesate tikri, kas jums labiausiai tinka, perskaitykite \u0161ias eilutes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Paskola automobiliui<\/h2>\n\n\n\n<p>\u0160io finansinio produkto tikriausiai nereikia ilgai pristatin\u0117ti. Jo pavadinimas gana i\u0161kalbingas. J\u012f galite naudoti <strong>perkant nauj\u0105 arba naudot\u0105 automobil\u012f<\/strong>. Nuo i\u0161perkamosios nuomos ji skiriasi daugiausia savo savyb\u0117mis. Paskola automobiliui vis\u0173 pirma yra bank\u0173 reikalas. Ta\u010diau ne i\u0161imtis ir nebankiniai paslaug\u0173 teik\u0117jai.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tema<\/strong><\/td><td><strong>Vert\u0117<\/strong><\/td><\/tr><tr><td>Automobilio savininkas<\/td><td>Klientas<\/td><\/tr><tr><td>S\u0105skaitos<\/td><td>Ne<\/td><\/tr><tr><td>Automobili\u0173 paslaugos<\/td><td>Klientas<\/td><\/tr><tr><td>Privalomoji atsakomyb\u0117<\/td><td>Klientas<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Pagrindin\u0117 informacija ir duomenys, susij\u0119 su \u012fprastine automobilio paskola.<\/figcaption><\/figure>\n\n\n\n<p>Paskola automobiliui i\u0161 tikr\u0173j\u0173 suteikia jums l\u0117\u0161\u0173, o visa kita priklauso nuo j\u016bs\u0173. Turite apsidrausti privalomuoju civilin\u0117s atsakomyb\u0117s arba draudimo nuo nelaiming\u0173 atsitikim\u0173 draudimu. Beje, bet koks su transporto priemone susij\u0119s aptarnavimas vyks paskui jus. \u0160i\u0105 transporto priemon\u0119 galima bet kada parduoti ir gr\u0105\u017einti pinigus. J\u016bs esate teis\u0117tas savininkas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tikslin\u0117 automobilio paskola<\/h3>\n\n\n\n<p>Auk\u0161\u010diau apra\u0161yta paskola automobiliui gali b\u016bti tikslin\u0117 ir netikslin\u0117. Ypa\u010d pirmuoju atveju susidursite su vienu esminiu dalyku. <em>Da\u017enai tenka garantuoti naujus ir naudotus automobilius<\/em>. Tai rei\u0161kia, kad gr\u0105\u017einimo laikotarpiu nesate savininkas.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Paskolos automobiliui privalumas yra tas, kad galite juo disponuoti, kaip norite. <\/p>\n<cite>Peteris S., automobili\u0173 salono savininkas.<\/cite><\/blockquote>\n\n\n\n<p>Visi pirmiau i\u0161vardyti teigiami aspektai turi ir neigiam\u0105 pus\u0119. Paskola automobiliui paprastai yra susijusi su sud\u0117tingesniu administraciniu procesu. Turite \u012frodyti savo kreditingum\u0105. Trumpai tariant, tai tarsi \u0117jimas \u012f bank\u0105 d\u0117l vartojimo paskolos.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nakup-noveho-auta-1024x579.jpg\" alt=\"\" class=\"wp-image-812\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nakup-noveho-auta-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nakup-noveho-auta-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nakup-noveho-auta-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nakup-noveho-auta-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/nakup-noveho-auta.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Naujo ir naudoto automobilio pirkimas gali b\u016bti \u012fperkamas d\u0117l automobilio paskolos.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Lizingas kaip kitokia paskolos r\u016b\u0161is<\/h2>\n\n\n\n<p>Visos \u0161iame straipsnyje apra\u0161ytos galimyb\u0117s i\u0161 tikr\u0173j\u0173 yra tam tikros r\u016b\u0161ies paskolos. Ta\u010diau lizingas priklauso \u0161iek tiek kitai kategorijai. <strong>J\u0105 daugiausia si\u016blo i\u0161perkamosios nuomos bendrov\u0117s<\/strong> ir daugiausia yra susijusios su skirtingomis \u012fsigijimo s\u0105lygomis. Ji taip pat turi \u012fvairi\u0173 privalum\u0173 ir tr\u016bkum\u0173.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>I\u0161perkamosios nuomos atveju perkamas automobilis jums nepriklauso.<\/li>\n\n\n\n<li>Jos savininkas yra lizingo bendrov\u0117<\/li>\n\n\n\n<li>Iki sutarties pabaigos<\/li>\n<\/ul>\n\n\n\n<p>Nuosavyb\u0117 yra bene did\u017eiausias skirtumas tarp lizingo ir skolinimosi automobiliui \u012fsigyti. Jau vien tai tur\u0117t\u0173 b\u016bti vienas i\u0161 pradini\u0173 sprendimo kriterij\u0173, pagal kur\u012f galiausiai nuspr\u0119site, kam teiksite pirmenyb\u0119. \u017dinoma, yra ir kit\u0173 dalyk\u0173, kurie prisideda prie nuosavyb\u0117s teisi\u0173.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Finansin\u0117 i\u0161perkamoji nuoma<\/h3>\n\n\n\n<p>Pirmiausia tur\u0117tum\u0117te suprasti, kad i\u0161perkamosios nuomos n\u0117ra. Pirmiausia d\u0117mes\u012f sutelksime \u012f finansin\u012f, kuris, be kita ko, gali apimti <em>pradiniai mokes\u010diai u\u017e sutarties sudarym\u0105<\/em>. Lyginant su automobilio paskola, galima pasteb\u0117ti nema\u017eai esmini\u0173 skirtum\u0173. Vieniems \u017emon\u0117ms jie gali tikti, kitiems - ne.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tema<\/strong><\/td><td><strong>Vert\u0117<\/strong><\/td><\/tr><tr><td>S\u0105skaitos<\/td><td>Taip<\/td><\/tr><tr><td>Automobili\u0173 draudimas<\/td><td>\u012eskai\u010diuota \u012f \u012fmokas<\/td><\/tr><tr><td>Transporto priemoni\u0173 technin\u0117 prie\u017ei\u016bra<\/td><td>Klientas<\/td><\/tr><tr><td>Automobilio am\u017eius<\/td><td>Tik naujas automobilis<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Finansin\u0117 nuoma ir jos svarb\u016bs bruo\u017eai apibendrintai.<\/figcaption><\/figure>\n\n\n\n<p>Finansin\u0117s i\u0161perkamosios nuomos atveju turite sumok\u0117ti pradin\u012f \u012fna\u0161\u0105. Daugumos paslaug\u0173 teik\u0117j\u0173 atveju tai gali b\u016bti iki 30 %. Ta\u010diau, palyginti su paskola, netur\u0117site joki\u0173 papildom\u0173 pradini\u0173 i\u0161laid\u0173, susijusi\u0173 su automobilio pirkimu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Informacija apie finansin\u0119 nuom\u0105<\/h3>\n\n\n\n<p>Vienas i\u0161 finansinio lizingo tr\u016bkum\u0173 yra min\u0117tas privalomojo \u012fsipareigojimo mok\u0117jimas per m\u0117nesines \u012fmokas, mokamas lizingo bendrovei. Tokiu atveju negalite reikalauti premij\u0173 i\u0161 savo b\u016bsto draudimo bendrov\u0117s. Tas pats pasakytina ir apie draudim\u0105 nuo nelaiming\u0173 atsitikim\u0173.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>D\u0117l nepripa\u017eint\u0173 premij\u0173 lizingo draudimas gali tapti nepagr\u012fstai didesn\u0117mis j\u016bs\u0173 i\u0161laidomis. <\/p>\n<cite>Harry S., draudimo reguliuotojas.<\/cite><\/blockquote>\n\n\n\n<p>Kai kurios i\u0161perkamosios nuomos bendrov\u0117s yra pasirengusios atleisti arba suma\u017einti pradin\u012f \u012fna\u0161\u0105. Ta\u010diau turite tik\u0117tis, kad didesn\u0117 pal\u016bkan\u0173 norma atsispind\u0117s j\u016bs\u0173 m\u0117nesin\u0117je \u012fmokoje.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"578\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/vyber-noveho-vozu-1024x578.jpg\" alt=\"\" class=\"wp-image-813\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/vyber-noveho-vozu-1024x578.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/vyber-noveho-vozu-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/vyber-noveho-vozu-768x433.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/vyber-noveho-vozu-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/vyber-noveho-vozu.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Galite i\u0161sinuomoti i\u0161 esm\u0117s nauj\u0105 ir gerai \u012frengt\u0105 automobil\u012f kasdieniam vairavimui.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Operatyvioji nuoma<\/h2>\n\n\n\n<p>Jei pasidom\u0117site lizingo bendrovi\u0173 si\u016blomais produktais, be finansinio lizingo, rasite dar vien\u0105 lizingo r\u016b\u0161\u012f. Jos \u012fsivaizduojama at\u0161aka yra <strong>Operatyvioji nuoma<\/strong>. I\u0161gird\u0119 \u0161\u012f \u017eod\u017ei\u0173 jungin\u012f i\u0161 automobili\u0173 pardav\u0117jo, galite b\u016bti tikri, kad tai yra tam tikra automobilio nuomos forma.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mokate reguliarias m\u0117nesines \u012fmokas.<\/li>\n\n\n\n<li>Sutartis sudaroma ribotam laikotarpiui<\/li>\n\n\n\n<li>\u012emok\u0105 sudaro visi svarbiausi dalykai<\/li>\n<\/ul>\n\n\n\n<p>\u012e m\u0117nesin\u0117s \u012fmokos sum\u0105 \u012feina lizingo bendrov\u0117s pal\u016bkanos, automobilio draudimas, \u012fskaitant draudim\u0105 nuo gedim\u0173, ir, galiausiai, bet ne ma\u017eiau svarbu, visos automobilio technin\u0117s prie\u017ei\u016bros i\u0161laidos. Tai yra vienas i\u0161 pagrindini\u0173 skirtum\u0173 nuo finansin\u0117s nuomos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Veiklos nuoma - k\u0105 dar tur\u0117tum\u0117te \u017einoti?<\/h3>\n\n\n\n<p>\u0160io tipo lizingas i\u0161 esm\u0117s visk\u0105, kas susij\u0119 su automobiliu, tvarko u\u017e jus, tod\u0117l <em>Nereikia d\u0117l nieko nerimauti ir tiesiog naudotis tam tikra transporto priemone.<\/em>. \u0160\u012f remont\u0105 ir reguliari\u0105 technin\u0119 prie\u017ei\u016br\u0105 galima atlikti tik \u012fgaliotose dirbtuv\u0117se.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Tema<\/strong><\/td><td><strong>Vert\u0117<\/strong><\/td><\/tr><tr><td>Nuomos trukm\u0117<\/td><td>Paprastai nuo 3 iki 7 met\u0173<\/td><\/tr><tr><td>B\u016btina apsidrausti nuo nelaiming\u0173 atsitikim\u0173<\/td><td>Taip<\/td><\/tr><tr><td>Automobilio nuosavyb\u0117<\/td><td>Nuomininkas<\/td><\/tr><tr><td>Sutarties nutraukimas prie\u0161 termin\u0105<\/td><td>Baudos mokes\u010diai<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Veiklos lizingas turi daug svarbi\u0173 ir esmini\u0173 savybi\u0173, kurias tur\u0117tum\u0117te \u017einoti.<\/figcaption><\/figure>\n\n\n\n<p>Veiklos nuoma d\u0117l savo pob\u016bd\u017eio akivaizd\u017eiai tinka daugeliui asmen\u0173. Ji pirmiausia paplitusi komercin\u0117s veiklos segmente. Ta\u010diau pastaraisiais metais ji vis daugiau \u0161alinink\u0173 sulaukia ir paprastuose nam\u0173 \u016bkiuose.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lizingo tr\u016bkumai<\/h3>\n\n\n\n<p>Veiklos nuomos atveju tik\u0117kit\u0117s tam tikro susiejimo laikotarpio. Tai rei\u0161kia, kad jei nuspr\u0119site nutraukti nuomos sutart\u012f anks\u010diau laiko, <strong>paprastai tenka mok\u0117ti baudos mokes\u010dius.<\/strong>kurie n\u0117ra ma\u017ei. Kadangi automobilis priklauso lizingo bendrovei, atsiranda papildoma rizika. Tai - lizingo bendrov\u0117s bankrotas, po kurio grei\u010diausiai netektum\u0117te transporto priemon\u0117s.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>I\u0161perkamoji nuoma taip pat yra susijusi su asmen\u0173, vairuojan\u010di\u0173 automobil\u012f, apribojimu. Automobilio negalima i\u0161nuomoti bet kam. Asmenys paprastai nurodomi sutartyje. <\/p>\n<cite>Jackas S., lizingo bendrov\u0117s savininkas.<\/cite><\/blockquote>\n\n\n\n<p>Be to, tur\u0117tum\u0117te b\u016bti pasireng\u0119 tam tikru mastu patys r\u016bpintis transporto priemone. Jei j\u0105 sugadinsite, lizingo bendrov\u0117 i\u0161 j\u016bs\u0173 gali pareikalauti nema\u017eos sumos u\u017e remont\u0105. Tam \u012ftakos turi tai, kad bet kokius gedimus pa\u0161alint\u0173 \u012fgaliotasis remontininkas.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financovani-automobilu-1024x579.jpg\" alt=\"\" class=\"wp-image-814\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financovani-automobilu-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financovani-automobilu-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financovani-automobilu-768x435.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financovani-automobilu-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/financovani-automobilu.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Automobilio finansavimas ir apmok\u0117jimas priklauso tik nuo j\u016bs\u0173. Ar rinksit\u0117s automobilio paskol\u0105, ar lizing\u0105?<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Automobilio paskola ar i\u0161perkamoji nuoma?<\/h2>\n\n\n\n<p>Klausimas, kuris jums tur\u0117t\u0173 b\u016bti bent \u0161iek tiek ai\u0161kus perskai\u010dius \u0161ias eilutes. Jei reik\u0117t\u0173 pateikti bendr\u0105 santrauk\u0105, ji b\u016bt\u0173 gana ai\u0161ki. I\u0161perkamoji nuoma neabejotinai yra galimyb\u0117, kuri i\u0161laisvins jus nuo bet koki\u0173 r\u016bpes\u010di\u0173 d\u0117l automobilio, <em>lengviau gauti, bet brangiau<\/em>. Nors paskolos suteikimas yra sud\u0117tingesnis kredito patvirtinimo po\u017ei\u016briu, kita vertus, turite neribotas galimybes, susijusias su jums priklausan\u010dia transporto priemone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Klausimai ir atsakymai<\/h3>\n\n\n\n<p>Ar vis dar svarstote, ar rinktis lizingo, ar \u012fprast\u0105 automobilio paskol\u0105? Tuomet pareng\u0117me jums klausimus ir atsakymus, i\u0161 kuri\u0173 galite daug k\u0105 su\u017einoti. Galb\u016bt \u0161i informacija pad\u0117s jums lengviau apsispr\u0119sti.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1684433585602\"><strong class=\"schema-faq-question\">Ar galiu i\u0161sinuomoti automobil\u012f?<\/strong> <p class=\"schema-faq-answer\">Taip, daugeliu atvej\u0173 galite pra\u0161yti finansin\u0117s nuomos privilegijos. Ta\u010diau automobil\u012f gal\u0117site \u012fsigyti tik pasibaigus lizingo sutar\u010diai. Kai kuriais atvejais \u0161\u012f i\u0161pirkim\u0105 galima organizuoti ir su veiklos nuomos sutartimi.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433595984\"><strong class=\"schema-faq-question\">Koks yra automobilio paskolos gr\u0105\u017einimo laikotarpis?<\/strong> <p class=\"schema-faq-answer\">\u0160iuo po\u017ei\u016briu \u0161is finansinis produktas yra gana palankus. Tai rei\u0161kia, kad gr\u0105\u017einimo trukm\u0119 galite nustatyti pagal savo galimybes, kad gal\u0117tum\u0117te \u012fvykdyti reikiamus paskolos \u012fsipareigojimus.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433603761\"><strong class=\"schema-faq-question\">Ar yra koki\u0173 nors nuobaud\u0173 u\u017e automobilio paskolos negr\u0105\u017einim\u0105?<\/strong> <p class=\"schema-faq-answer\">Ne, taip n\u0117ra. U\u017e \u0161ias paskolas paprastai netaikomi jokie baudos mokes\u010diai. Prie\u0161ingas atvejis yra i\u0161perkamoji nuoma ir i\u0161perkamosios nuomos sutarties nutraukimas prie\u0161 termin\u0105.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433616575\"><strong class=\"schema-faq-question\">\u012e kokius parametrus atkreipti d\u0117mes\u012f renkantis paskol\u0105 automobiliui?<\/strong> <p class=\"schema-faq-answer\">Pirmiausia atkreipkite d\u0117mes\u012f \u012f metin\u0119 pal\u016bkan\u0173 norm\u0105, vadinam\u0105 RKKMN. Tai viena i\u0161 pagrindini\u0173 i\u0161kalbing\u0173 ver\u010di\u0173.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433625743\"><strong class=\"schema-faq-question\">Ar turiu mok\u0117ti susid\u016brimo draudim\u0105, kai gaunu paskol\u0105 automobiliui?<\/strong> <p class=\"schema-faq-answer\">Jums to daryti nereikia. Privalomas tik civilin\u0117s atsakomyb\u0117s draudimas. Draudimas nuo susid\u016brimo yra savanori\u0161kas. Kita vertus, jis yra b\u016btinas lizingo sutarties elementas.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Lizingas tinka ne visiems<\/h3>\n\n\n\n<p>Kaip galite teisingai atsp\u0117ti, <strong>i\u0161perkamoji nuoma ir automobilio paskola<\/strong> tinka ne visiems. \u0160ie du paskol\u0173 produktai patiks \u0161iek tiek skirtingoms automobili\u0173 pirk\u0117j\u0173 grup\u0117ms. Ta\u010diau svarbu tai, kad galite rinktis. Taigi, jei neturite pakankamai sav\u0173 pinig\u0173 automobiliui, yra tinkamas b\u016bdas.<\/p>","protected":false},"excerpt":{"rendered":"<p>Lizingas ir automobili\u0173 paskolos yra du da\u017eniausiai pasitaikantys transporto priemon\u0117s finansavimo b\u016bdai. I\u0161imtis, \u017einoma, yra tada, kai turite pakankamai susitaup\u0119 pinig\u0173 ir galite patys nusipirkti transporto priemon\u0119, mok\u0117dami grynaisiais pinigais arba internetu. Ta\u010diau jei neturite pakankamai l\u0117\u0161\u0173, yra trys skirtingi ... <\/p>","protected":false},"author":2,"featured_media":811,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[655,654,649,647,648,650,652,627,653,656],"class_list":["post-810","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-auto","tag-automobil","tag-financni-leasing","tag-leasing","tag-operativni-leasing","tag-pujcka","tag-pujcka-na-auto","tag-uver","tag-vozidlo","tag-vuz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Leasing vs. p\u016fj\u010dka na auto. Co vybrat? - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Leasing a p\u016fj\u010dka na auto jsou zp\u016fsobem, jak m\u016f\u017eete financovat sv\u00e9 nov\u00e9 vozidlo. 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Automobil si v\u0161ak m\u016f\u017eete odkoupit a\u017e po skon\u010den\u00ed leasingov\u00e9 smlouvy. V n\u011bkter\u00fdch p\u0159\u00edpadech lze tento odkup domluvit tak\u00e9 u operativn\u00edho leasingu.\",\"inLanguage\":\"lt-LT\"},\"inLanguage\":\"lt-LT\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/leasing-vs-pujcka-na-auto-co-vybrat\\\/#faq-question-1684433595984\",\"position\":2,\"url\":\"https:\\\/\\\/regbu.com\\\/leasing-vs-pujcka-na-auto-co-vybrat\\\/#faq-question-1684433595984\",\"name\":\"Jak\u00e1 je doba spl\u00e1cen\u00ed u p\u016fj\u010dky na auto?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Tento finan\u010dn\u00ed produkt je v tomto sm\u011bru celkem benevolentn\u00ed. To znamen\u00e1, \u017ee podle sv\u00fdch mo\u017enost\u00ed si m\u016f\u017eete nastavit d\u00e9lku splatnosti tak, abyste byli schopni hradit po\u017eadovan\u00e9 \u00fav\u011brov\u00e9 z\u00e1vazky.\",\"inLanguage\":\"lt-LT\"},\"inLanguage\":\"lt-LT\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/leasing-vs-pujcka-na-auto-co-vybrat\\\/#faq-question-1684433603761\",\"position\":3,\"url\":\"https:\\\/\\\/regbu.com\\\/leasing-vs-pujcka-na-auto-co-vybrat\\\/#faq-question-1684433603761\",\"name\":\"Plat\u00ed se n\u011bjak\u00e9 sankce za doplacen\u00ed p\u016fj\u010dky na auto?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Nikoliv. Tyto \u00fav\u011bry obvykle nejsou spjaty s \u017e\u00e1dn\u00fdmi sank\u010dn\u00edmi poplatky. Opakem toho je leasing a p\u0159ed\u010dasn\u00e9 vypov\u011bzen\u00ed leasingov\u00e9 smlouvy.\",\"inLanguage\":\"lt-LT\"},\"inLanguage\":\"lt-LT\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/regbu.com\\\/leasing-vs-pujcka-na-auto-co-vybrat\\\/#faq-question-1684433616575\",\"position\":4,\"url\":\"https:\\\/\\\/regbu.com\\\/leasing-vs-pujcka-na-auto-co-vybrat\\\/#faq-question-1684433616575\",\"name\":\"Na jak\u00e9 parametry hled\u011bt p\u0159i v\u00fdb\u011bru p\u016fj\u010dky na auto?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Prim\u00e1rn\u011b se zam\u011b\u0159te na ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f zn\u00e1mou pod zkratkou RPSN. 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Co vybrat?"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lt-LT"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George'as Martinas","url":"https:\/\/regbu.com\/lt\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433585602","position":1,"url":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433585602","name":"Ar galiu i\u0161sinuomoti automobil\u012f?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, pov\u011bt\u0161inou lze o v\u00fdsadu finan\u010dn\u00edho leasingu. Automobil si v\u0161ak m\u016f\u017eete odkoupit a\u017e po skon\u010den\u00ed leasingov\u00e9 smlouvy. V n\u011bkter\u00fdch p\u0159\u00edpadech lze tento odkup domluvit tak\u00e9 u operativn\u00edho leasingu.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"},{"@type":"Question","@id":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433595984","position":2,"url":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433595984","name":"Koks yra automobilio paskolos gr\u0105\u017einimo laikotarpis?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Tento finan\u010dn\u00ed produkt je v tomto sm\u011bru celkem benevolentn\u00ed. To znamen\u00e1, \u017ee podle sv\u00fdch mo\u017enost\u00ed si m\u016f\u017eete nastavit d\u00e9lku splatnosti tak, abyste byli schopni hradit po\u017eadovan\u00e9 \u00fav\u011brov\u00e9 z\u00e1vazky.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"},{"@type":"Question","@id":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433603761","position":3,"url":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433603761","name":"Ar yra koki\u0173 nors nuobaud\u0173 u\u017e automobilio paskolos negr\u0105\u017einim\u0105?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nikoliv. Tyto \u00fav\u011bry obvykle nejsou spjaty s \u017e\u00e1dn\u00fdmi sank\u010dn\u00edmi poplatky. Opakem toho je leasing a p\u0159ed\u010dasn\u00e9 vypov\u011bzen\u00ed leasingov\u00e9 smlouvy.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"},{"@type":"Question","@id":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433616575","position":4,"url":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433616575","name":"\u012e kokius parametrus atkreipti d\u0117mes\u012f renkantis paskol\u0105 automobiliui?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Prim\u00e1rn\u011b se zam\u011b\u0159te na ro\u010dn\u00ed procentn\u00ed sazbu n\u00e1klad\u016f zn\u00e1mou pod zkratkou RPSN. Ta m\u00e1 jednu z hlavn\u00edch vypov\u00eddac\u00edch hodnot.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"},{"@type":"Question","@id":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433625743","position":5,"url":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#faq-question-1684433625743","name":"Ar turiu mok\u0117ti susid\u016brimo draudim\u0105, kai gaunu paskol\u0105 automobiliui?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Nemus\u00edte. Povinn\u00e9 je pouze poji\u0161t\u011bn\u00ed odpov\u011bdnosti z provozu vozidla. Havarijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed je dobrovolnou z\u00e1le\u017eitost\u00ed. Naopak u leasingu pat\u0159\u00ed k nezbytn\u00fdm polo\u017ek\u00e1m.","inLanguage":"lt-LT"},"inLanguage":"lt-LT"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/posts\/810","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/comments?post=810"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/posts\/810\/revisions"}],"predecessor-version":[{"id":815,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/posts\/810\/revisions\/815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/media\/811"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/media?parent=810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/categories?post=810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/lt\/wp-json\/wp\/v2\/tags?post=810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}