{"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\/pl\/leasing-vs-loans-for-a-car-co-wybrac\/","title":{"rendered":"Leasing vs. p\u016fj\u010dka na auto. Co vybrat?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Leasing a p\u016fj\u010dka na auto jsou dva nej\u010dast\u011bj\u0161\u00ed zp\u016fsoby, jak financovat dopravn\u00ed prost\u0159edek. V\u00fdjimkou je samoz\u0159ejm\u011b situace, kdy m\u00e1te na\u0161et\u0159eno dostatek pen\u011bz a m\u016f\u017eete si koupit vozidlo za sv\u00e9, a\u0165 u\u017e budete platit za hotov\u00e9 nebo prost\u0159ednictv\u00edm <a href=\"https:\/\/regbu.com\/pl\/platnosci-internetowe-ostrzezenie-o-mozliwych-zagrozeniach\/\"><strong>internetov\u00e9 platby<\/strong><\/a>. Jestli\u017ee v\u0161ak dostate\u010dn\u00fdm mno\u017estv\u00edm financ\u00ed nedisponujete, nab\u00edz\u00ed se V\u00e1m t\u0159i odli\u0161n\u00e9 varianty.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>P\u016fj\u010dka na auto<\/li>\n\n\n\n<li>Finan\u010dn\u00ed leasing<\/li>\n\n\n\n<li>Operativn\u00ed leasing<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ka\u017ed\u00fd z&nbsp;t\u011bchto produkt\u016f m\u00e1 sv\u00e9 specifick\u00e9 vlastnosti a p\u0159in\u00e1\u0161\u00ed ur\u010dit\u00e9 klady a z\u00e1pory. Proto se pro kohokoliv z&nbsp;V\u00e1s hod\u00ed pravd\u011bpodobn\u011b jin\u00e9 \u0159e\u0161en\u00ed. Jestli\u017ee nem\u00e1te jasno, co je nejlep\u0161\u00ed zrovna pro V\u00e1s, za\u010dt\u011bte se do n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dk\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">P\u016fj\u010dka na auto<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tento finan\u010dn\u00ed produkt asi nen\u00ed t\u0159eba komukoliv zdlouhav\u011b p\u0159edstavovat. Jeho n\u00e1zev je celkem jasn\u011b vypov\u00eddaj\u00edc\u00ed. Vyu\u017e\u00edt ho m\u016f\u017eete na <strong>n\u00e1kup nov\u00e9ho i ojet\u00e9ho vozu<\/strong>. Od leasingu se li\u0161\u00ed p\u0159edev\u0161\u00edm sv\u00fdmi vlastnostmi. P\u016fj\u010dka na auto je prim\u00e1rn\u011b z\u00e1le\u017eitost\u00ed bank. V\u00fdjimkou ov\u0161em nejsou ani nebankovn\u00ed poskytovatel\u00e9.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>P\u0159edm\u011bt<\/strong><\/td><td><strong>Warto\u015b\u0107<\/strong><\/td><\/tr><tr><td>W\u0142a\u015bciciel samochodu<\/td><td>Z\u00e1kazn\u00edk<\/td><\/tr><tr><td>Konta<\/td><td>Nie<\/td><\/tr><tr><td>Serwis samochodowy<\/td><td>Z\u00e1kazn\u00edk<\/td><\/tr><tr><td>Povinn\u00e9 ru\u010den\u00ed<\/td><td>Z\u00e1kazn\u00edk<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Z\u00e1kladn\u00ed informace a data souvisej\u00edc\u00ed s b\u011b\u017enou p\u016fj\u010dkou na auto.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">P\u016fj\u010dka na auto V\u00e1m vlastn\u011b poskytne finan\u010dn\u00ed prost\u0159edky a v\u0161e ostatn\u00ed u\u017e je na V\u00e1s. Mus\u00edte si zajistit povinn\u00e9 ru\u010den\u00ed, pop\u0159\u00edpad\u011b havarijn\u00ed poji\u0161t\u011bn\u00ed. Za V\u00e1mi mimochodem p\u016fjde i jak\u00fdkoliv servis spojen\u00fd s&nbsp;vozidlem. To lze kdykoliv prodat a pen\u00edze nazp\u011bt doplatit. Jste toti\u017e jeho pr\u00e1voplatn\u00fdm majitelem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00da\u010delov\u00e1 p\u016fj\u010dka na auto<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fd\u0161e popisovan\u00e1 p\u016fj\u010dka na auto m\u016f\u017ee m\u00edt \u00fa\u010delov\u00fd a ne\u00fa\u010delov\u00fd charakter. P\u0159edev\u0161\u00edm u toho prvn\u00edho jmenovan\u00e9ho se setk\u00e1te s\u00a0jednou z\u00e1sadn\u00ed v\u011bc\u00ed. <em>Nov\u00fdm a ojet\u00fdm vozem mus\u00edte mnohdy ru\u010dit<\/em>. To znamen\u00e1, \u017ee po dobu jeho spl\u00e1cen\u00ed nejste majitelem.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">V\u00fdhodou p\u016fj\u010dky na auto je fakt, \u017ee s n\u00edm v p\u0159\u00edpad\u011b libosti m\u016f\u017eete nakl\u00e1dat dle vlastn\u00edho uv\u00e1\u017een\u00ed. <\/p>\n<cite>Peter S., w\u0142a\u015bciciel salonu samochodowego.<\/cite><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">V\u0161echna v\u00fd\u0161e uveden\u00e1 pozitiva maj\u00ed p\u0159ece jenom n\u011bjak\u00e9 negativum. P\u016fj\u010dka na auto je pov\u011bt\u0161inou spjata se slo\u017eit\u011bj\u0161\u00edm administrativn\u00edm procesem. Mus\u00edte toti\u017e dolo\u017eit svoji \u00fav\u011bruschopnost. Zkr\u00e1tka, jako byste vyr\u00e1\u017eeli do banky pro spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/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\">N\u00e1kup nov\u00e9ho a ojet\u00e9ho automobilu m\u016f\u017ee b\u00fdt dostupn\u00fd pr\u00e1v\u011b d\u00edky p\u016fj\u010dce na auto.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Leasing jako jin\u00fd druh p\u016fj\u010dky<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V\u0161echny varianty popisovan\u00e9 v&nbsp;tomto \u010dl\u00e1nku jsou vlastn\u011b ur\u010dit\u00fdm typem p\u016fj\u010dky. Leasing v\u0161ak spad\u00e1 do trochu jin\u00e9 kategorie. <strong>Nab\u00edzen je prim\u00e1rn\u011b leasingov\u00fdmi spole\u010dnostmi<\/strong> a poj\u00ed se p\u0159edev\u0161\u00edm s&nbsp;odli\u0161n\u00fdmi podm\u00ednkami z\u00edsk\u00e1n\u00ed. Z\u00e1rove\u0148 disponuje rozd\u00edln\u00fdmi v\u00fdhodami a nev\u00fdhodami.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>U leasingu nevlastn\u00edte po\u0159izovan\u00e9 auto<\/li>\n\n\n\n<li>Jeho majitelem je leasingov\u00e1 spole\u010dnost<\/li>\n\n\n\n<li>A\u017e do konce trv\u00e1n\u00ed smlouvy<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vlastnick\u00e1 pr\u00e1va jsou asi t\u00edm nejv\u011bt\u0161\u00edm rozd\u00edlem mezi leasingem a p\u016fj\u010dkou na auto. U\u017e jen tohle by m\u011bl b\u00fdt jeden z&nbsp;Va\u0161ich prvopo\u010d\u00e1te\u010dn\u00edch rozhodovac\u00edch parametr\u016f, \u010demu ve v\u00fdsledku d\u00e1te p\u0159ednost. Na vlastnick\u00e1 pr\u00e1va se pochopiteln\u011b nabaluj\u00ed i dal\u0161\u00ed v\u011bci.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Finan\u010dn\u00ed leasing<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">V&nbsp;prvn\u00ed \u0159ad\u011b byste si m\u011bli uv\u011bdomit, \u017ee nen\u00ed leasing, jako leasing. Nejprve se zam\u011b\u0159\u00edme na ten finan\u010dn\u00ed, se kter\u00fdm se mimo jin\u00e9 mohou pojit <em>prvopo\u010d\u00e1te\u010dn\u00ed poplatky za uzav\u0159en\u00ed smlouvy<\/em>. Oproti p\u016fj\u010dce na auto m\u016f\u017eete spat\u0159it celkem dost z\u00e1sadn\u00edch rozd\u00edl\u016f. Ty mohou n\u011bkomu vyhovovat, jin\u00e9mu zase nikoliv.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>P\u0159edm\u011bt<\/strong><\/td><td><strong>Warto\u015b\u0107<\/strong><\/td><\/tr><tr><td>Konta<\/td><td>Tak<\/td><\/tr><tr><td>Poji\u0161t\u011bn\u00ed vozu<\/td><td>Zahrnuto do spl\u00e1tek<\/td><\/tr><tr><td>\u00dadr\u017eba vozidla<\/td><td>Z\u00e1kazn\u00edk<\/td><\/tr><tr><td>St\u00e1\u0159\u00ed vozu<\/td><td>Pouze nov\u00fd automobil<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Finan\u010dn\u00ed leasing a jeho d\u016fle\u017eit\u00e9 vlastnosti shrnut\u00e9 do jednoho.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">U finan\u010dn\u00edho leasingu po\u010d\u00edtejte s&nbsp;t\u00edm, \u017ee mus\u00edte uhradit vstupn\u00ed akontaci. Ta u v\u011bt\u0161iny poskytovatel\u016f m\u016f\u017ee dosahovat v\u00fd\u0161e 30 %. Oproti p\u016fj\u010dce V\u00e1s v\u0161ak dal\u0161\u00ed vstupn\u00ed n\u00e1klady souvisej\u00edc\u00ed s&nbsp;po\u0159\u00edzen\u00edm automobilu ne\u010dekaj\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Podrobnosti finan\u010dn\u00edho leasingu<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jednou z\u00a0nev\u00fdhod finan\u010dn\u00edho leasingu je ji\u017e zmi\u0148ovan\u00e9 hrazen\u00ed povinn\u00e9ho ru\u010den\u00ed v\u00a0r\u00e1mci m\u011bs\u00ed\u010dn\u00edch spl\u00e1tek placen\u00fdch leasingov\u00e9 spole\u010dnosti. V\u00a0tomto p\u0159\u00edpad\u011b toti\u017e nem\u016f\u017eete uplatit sv\u00e9 bonusy u domovsk\u00e9 poji\u0161\u0165ovny. To sam\u00e9 plat\u00ed tak\u00e9 pro havarijn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed u leasingu se pro V\u00e1s m\u016f\u017ee st\u00e1t zbyte\u010dn\u011b vy\u0161\u0161\u00edm n\u00e1kladem kv\u016fli neuznan\u00fdm bonus\u016fm. <\/p>\n<cite>Harry S., pracovn\u00edk poji\u0161\u0165ovny.<\/cite><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">N\u011bkter\u00e9 leasingov\u00e9 spole\u010dnosti jsou ochotny odpustit nebo sn\u00ed\u017eit velikost vstupn\u00ed akontace. Mus\u00edte pak ale po\u010d\u00edtat s\u00a0t\u00edm, \u017ee se do m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky prom\u00edtne vy\u0161\u0161\u00ed \u00farokov\u00e1 sazba.<\/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\">Na leasing si m\u016f\u017eete zakoupit prim\u00e1rn\u011b nov\u00e9 a dob\u0159e vybaven\u00e9 auto pro ka\u017edodenn\u00ed je\u017ed\u011bn\u00ed.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Operativn\u00ed leasing<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e se zahled\u00edte do produktov\u00fdch nab\u00eddek leasingov\u00fdch spole\u010dnost\u00ed, krom\u011b toho finan\u010dn\u00edho naraz\u00edte je\u0161t\u011b na jeden typ leasingu. Jeho pomyslnou odno\u017e\u00ed je <strong>operativn\u00ed leasing<\/strong>. Kdy\u017e u prodejce vozu usly\u0161\u00edte tento v\u00fdraz, m\u016f\u017eete si b\u00fdt jisti, \u017ee jde o jistou formu pron\u00e1jmu automobilu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hrad\u00edte pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/li>\n\n\n\n<li>Smlouva je uzav\u0159ena na omezenou dobu<\/li>\n\n\n\n<li>Spl\u00e1tka zahrnuje v\u0161e podstatn\u00e9<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky obsahuje \u00farok leasingov\u00e9 spole\u010dnosti, poji\u0161t\u011bn\u00ed vozidla, v\u010detn\u011b havarijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed a v&nbsp;neposledn\u00ed \u0159ad\u011b n\u00e1klady na kompletn\u00ed servis vozu. To je jeden z&nbsp;hlavn\u00edch rozd\u00edl\u016f oproti finan\u010dn\u00edmu leasingu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Operativn\u00ed leasing \u2013 Co dal\u0161\u00edho byste m\u011bli v\u011bd\u011bt?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Leasing tohoto typu za V\u00e1s v&nbsp;podstat\u011b \u0159e\u0161\u00ed v\u0161e spojen\u00e9 s&nbsp;vozem, tak\u017ee <em>Vy se o nic nemus\u00edte starat a pouze vyu\u017e\u00edv\u00e1te konkr\u00e9tn\u00ed dopravn\u00ed prost\u0159edek<\/em>. Zmi\u0148ovan\u00e9 opravy vozu a pravideln\u00fd servis lze \u0159e\u0161it pouze v&nbsp;autorizovan\u00e9m servisu.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>P\u0159edm\u011bt<\/strong><\/td><td><strong>Warto\u015b\u0107<\/strong><\/td><\/tr><tr><td>D\u00e9lka leasingu<\/td><td>Obvykle 3 a\u017e 7 let<\/td><\/tr><tr><td>Nutno sjednat havarijn\u00ed poji\u0161t\u011bn\u00ed<\/td><td>Tak<\/td><\/tr><tr><td>Vlastnick\u00fd vztah k vozu<\/td><td>N\u00e1jemce<\/td><\/tr><tr><td>P\u0159ed\u010dasn\u00e9 ukon\u010den\u00ed smlouvy<\/td><td>Sank\u010dn\u00ed poplatky<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Operatn\u00ed leasing m\u00e1 spoutu d\u016fle\u017eit\u00fdch a z\u00e1sadn\u00edch vlastnost\u00ed, kter\u00e9 byste m\u011bli zn\u00e1t.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Operativn\u00ed leasing sv\u00fdm charakterem samoz\u0159ejm\u011b bude vyhovovat mnoh\u00fdm jedinc\u016fm. Roz\u0161\u00ed\u0159en\u00fd je prim\u00e1rn\u011b v&nbsp;komer\u010dn\u00edm segmentu. V&nbsp;posledn\u00edch letech m\u00e1 v\u0161ak st\u00e1le v\u00edce p\u0159\u00edznivc\u016f tak\u00e9 v&nbsp;b\u011b\u017en\u00fdch dom\u00e1cnostech.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nev\u00fdhody leasingu<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">U operativn\u00edho leasingu po\u010d\u00edtejte s\u00a0ur\u010ditou v\u00e1zac\u00ed dobou. To znamen\u00e1, \u017ee kdy\u017e se rozhodnete ukon\u010dit \u201epron\u00e1jem\u201c d\u0159\u00edve, <strong>obvykle mus\u00edte zaplatit sank\u010dn\u00ed poplatky<\/strong>, kter\u00e9 nejsou mal\u00e9. Vzhledem k\u00a0tomu, \u017ee majitelem automobilu je leasingov\u00e1 spole\u010dnost, hroz\u00ed dal\u0161\u00ed riziko. A t\u00edm je krach leasingov\u00e9 spole\u010dnosti, po n\u011bm\u017e byste s\u00a0nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed p\u0159i\u0161li o vozidlo.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Leasing je spjat i s omezen\u00edm osob \u0159\u00edd\u00edc\u00edch automobil. V\u016fz nem\u016f\u017eete p\u016fj\u010dit jen tak kde komu. Osoby jsou obvykle p\u0159esn\u011b stanoveny ve smlouv\u011b. <\/p>\n<cite>Jack S., majitel leasingov\u00e9 spole\u010dnosti.<\/cite><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">P\u0159ipravit byste se m\u011bli tak\u00e9 na to, \u017ee o vozidlo mus\u00edte do jist\u00e9 m\u00edry pe\u010dovat sami. Pokud ho po\u0161kod\u00edte, leasingov\u00e1 spole\u010dnost V\u00e1m m\u016f\u017ee ve v\u00fdsledku vy\u010d\u00edslit nemalou \u010d\u00e1stku na opravu. Vliv na to m\u00e1 \u0159e\u0161en\u00ed v\u0161ech z\u00e1vad prost\u0159ednictv\u00edm autorizovan\u00e9ho servisu.<\/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\">Financov\u00e1n\u00ed a uhrazen\u00ed automobilu je zcela na V\u00e1s. Zvol\u00edte p\u016fj\u010dku na auto nebo leasing?<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">P\u016fj\u010dka na auto nebo leasing?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ot\u00e1zka, v&nbsp;r\u00e1mci n\u00ed\u017e byste po p\u0159e\u010dten\u00ed v\u00fd\u0161e uveden\u00fdch \u0159\u00e1dk\u016f m\u011bli m\u00edt alespo\u0148 \u010d\u00e1ste\u010dn\u011b jasno. Pokud bychom m\u011bli p\u0159in\u00e9st obecn\u00e9 shrnut\u00ed, bude celkem jednozna\u010dn\u00e9. Leasing je ur\u010dit\u011b variantou, kter\u00e1 V\u00e1s oprost\u00ed od jak\u00fdchkoliv starost\u00ed s&nbsp;vozem, <em>snadn\u011bji ho z\u00edsk\u00e1te, ale bude dra\u017e\u0161\u00ed<\/em>. Kde\u017eto p\u016fj\u010dka je slo\u017eit\u011bj\u0161\u00ed z&nbsp;pohledu schv\u00e1len\u00ed \u00fav\u011br\u016f, na druhou stranu m\u00e1te neomezen\u00e9 mo\u017enosti p\u0159i nakl\u00e1d\u00e1n\u00ed s&nbsp;vozidlem, jeho\u017e jste majitelem.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ot\u00e1zky a odpov\u011bdi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">St\u00e1le t\u00e1pete a \u0159e\u0161\u00edte, jestli se vydat cestou leasingu nebo d\u00e1t p\u0159ednost klasick\u00e9 p\u016fj\u010dce na auto? Tak pr\u00e1v\u011b pro V\u00e1s tu m\u00e1me p\u0159ipraven\u00e9 ot\u00e1zky a odpov\u011bdi, ze kter\u00fdch vy\u010dtete mnoh\u00e9. Mo\u017en\u00e1 pr\u00e1v\u011b tyto informace V\u00e1m usnadn\u00ed rozhodov\u00e1n\u00ed.<\/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\">Mohu u leasingu z\u00edskat auto do osobn\u00edho vlastnictv\u00ed?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433595984\"><strong class=\"schema-faq-question\">Jak\u00e1 je doba spl\u00e1cen\u00ed u p\u016fj\u010dky na auto?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433603761\"><strong class=\"schema-faq-question\">Plat\u00ed se n\u011bjak\u00e9 sankce za doplacen\u00ed p\u016fj\u010dky na auto?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433616575\"><strong class=\"schema-faq-question\">Na jak\u00e9 parametry hled\u011bt p\u0159i v\u00fdb\u011bru p\u016fj\u010dky na auto?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433625743\"><strong class=\"schema-faq-question\">Mus\u00edm \u0159e\u0161it havarijn\u00ed poji\u0161t\u011bn\u00ed u p\u016fj\u010dky na auto?<\/strong> <p class=\"schema-faq-answer\">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.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Leasing nen\u00ed pro ka\u017ed\u00e9ho<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Jak m\u016f\u017eete sami spr\u00e1vn\u011b tu\u0161it, <strong>leasing a p\u016fj\u010dka na auto<\/strong> nejsou pro ka\u017ed\u00e9ho. Oba \u00fav\u011brov\u00e9 produkty zajmou trochu odli\u0161n\u00e9 skupiny z\u00e1jemc\u016f o automobil. Podstatn\u00e9 je v\u0161ak to, \u017ee si m\u016f\u017eete vyb\u00edrat. Pokud tedy nem\u00e1te dostatek vlastn\u00edch pen\u011bz na automobil, je tu adekv\u00e1tn\u00ed cesta.<\/p>","protected":false},"excerpt":{"rendered":"<p>Leasing a p\u016fj\u010dka na auto jsou dva nej\u010dast\u011bj\u0161\u00ed zp\u016fsoby, jak financovat dopravn\u00ed prost\u0159edek. V\u00fdjimkou je samoz\u0159ejm\u011b situace, kdy m\u00e1te na\u0161et\u0159eno dostatek pen\u011bz a m\u016f\u017eete si koupit vozidlo za sv\u00e9, a\u0165 u\u017e budete platit za hotov\u00e9 nebo prost\u0159ednictv\u00edm internetov\u00e9 platby. Jestli\u017ee v\u0161ak dostate\u010dn\u00fdm mno\u017estv\u00edm financ\u00ed nedisponujete, nab\u00edz\u00ed se V\u00e1m t\u0159i odli\u0161n\u00e9 &hellip; <\/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 v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Leasing vs. p\u016fj\u010dka na auto. 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