{"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\/pt\/leasing-vs-emprestimos-para-automovel-o-que-seleccionar\/","title":{"rendered":"Leasing vs. cr\u00e9dito autom\u00f3vel. O que escolher?"},"content":{"rendered":"<p>O leasing e o cr\u00e9dito autom\u00f3vel s\u00e3o as duas formas mais comuns de financiar um ve\u00edculo. A excep\u00e7\u00e3o \u00e9, naturalmente, quando se tem dinheiro suficiente e se pode comprar um ve\u00edculo por si pr\u00f3prio, quer pague a pronto ou atrav\u00e9s de <a href=\"https:\/\/regbu.com\/pt\/internet-pagamentos-aviso-de-riscos-possiveis\/\"><strong>pagamentos pela internet<\/strong><\/a>. No entanto, se n\u00e3o tiver dinheiro suficiente, existem tr\u00eas op\u00e7\u00f5es diferentes.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Empr\u00e9stimo autom\u00f3vel<\/li>\n\n\n\n<li>Loca\u00e7\u00e3o financeira<\/li>\n\n\n\n<li>Loca\u00e7\u00e3o operacional<\/li>\n<\/ul>\n\n\n\n<p>Cada um destes produtos tem as suas caracter\u00edsticas espec\u00edficas e apresenta certas vantagens e desvantagens. Por conseguinte, existe provavelmente uma solu\u00e7\u00e3o diferente para cada um de v\u00f3s. Se n\u00e3o tem a certeza do que \u00e9 melhor para si, leia as linhas que se seguem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Empr\u00e9stimo autom\u00f3vel<\/h2>\n\n\n\n<p>Este produto financeiro n\u00e3o necessita provavelmente de uma longa apresenta\u00e7\u00e3o. O seu nome \u00e9 bastante elucidativo. Pode utiliz\u00e1-lo para <strong>comprar um autom\u00f3vel novo ou usado<\/strong>. Difere do leasing sobretudo nas suas caracter\u00edsticas. O cr\u00e9dito autom\u00f3vel \u00e9 essencialmente da compet\u00eancia dos bancos. No entanto, os fornecedores n\u00e3o banc\u00e1rios n\u00e3o s\u00e3o excep\u00e7\u00e3o.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Valor<\/strong><\/td><\/tr><tr><td>O propriet\u00e1rio do ve\u00edculo<\/td><td>Cliente<\/td><\/tr><tr><td>Contas<\/td><td>N\u00e3o<\/td><\/tr><tr><td>Servi\u00e7o autom\u00f3vel<\/td><td>Cliente<\/td><\/tr><tr><td>Responsabilidade civil obrigat\u00f3ria<\/td><td>Cliente<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Informa\u00e7\u00f5es e dados b\u00e1sicos relativos a um empr\u00e9stimo autom\u00f3vel convencional.<\/figcaption><\/figure>\n\n\n\n<p>O cr\u00e9dito autom\u00f3vel fornece-lhe efectivamente os fundos e tudo o resto depende de si. Tem de subscrever um seguro obrigat\u00f3rio de responsabilidade civil ou de colis\u00e3o. A prop\u00f3sito, qualquer servi\u00e7o associado ao ve\u00edculo acompanha-o. O ve\u00edculo pode ser vendido em qualquer altura e o dinheiro devolvido. \u00c9 o leg\u00edtimo propriet\u00e1rio.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cr\u00e9dito autom\u00f3vel para fins espec\u00edficos<\/h3>\n\n\n\n<p>O cr\u00e9dito autom\u00f3vel acima descrito pode ter um objectivo e n\u00e3o ter um objectivo. Especialmente no caso do primeiro, deparar-se-\u00e1 com um aspecto crucial. <em>\u00c9 frequente ter de garantir autom\u00f3veis novos e usados<\/em>. Isto significa que n\u00e3o \u00e9 o propriet\u00e1rio durante o per\u00edodo de reembolso.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>A vantagem de um empr\u00e9stimo autom\u00f3vel \u00e9 que pode dispor dele como quiser. <\/p>\n<cite>Peter S., propriet\u00e1rio do stand de autom\u00f3veis.<\/cite><\/blockquote>\n\n\n\n<p>Todos os aspectos positivos acima referidos t\u00eam uma desvantagem. Um empr\u00e9stimo autom\u00f3vel est\u00e1 geralmente associado a um processo administrativo mais complicado. Tem de provar a sua solvabilidade. Em suma, \u00e9 como ir ao banco pedir um empr\u00e9stimo ao consumo.<\/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\">A compra de um autom\u00f3vel novo ou usado pode ser acess\u00edvel gra\u00e7as a um cr\u00e9dito autom\u00f3vel.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">A loca\u00e7\u00e3o financeira como um tipo diferente de empr\u00e9stimo<\/h2>\n\n\n\n<p>Todas as op\u00e7\u00f5es descritas neste artigo s\u00e3o, de facto, um tipo de empr\u00e9stimo. O leasing, no entanto, pertence a uma categoria ligeiramente diferente. <strong>\u00c9 oferecido principalmente por empresas de leasing<\/strong> e est\u00e3o principalmente ligadas a diferentes condi\u00e7\u00f5es de aquisi\u00e7\u00e3o. Apresenta igualmente diferentes vantagens e desvantagens.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Com o leasing, n\u00e3o \u00e9 propriet\u00e1rio do autom\u00f3vel que est\u00e1 a comprar<\/li>\n\n\n\n<li>O seu propriet\u00e1rio \u00e9 uma empresa de leasing<\/li>\n\n\n\n<li>At\u00e9 ao fim do contrato<\/li>\n<\/ul>\n\n\n\n<p>A propriedade \u00e9 provavelmente a maior diferen\u00e7a entre o leasing e o empr\u00e9stimo de um autom\u00f3vel. Este facto, por si s\u00f3, deve ser um dos par\u00e2metros iniciais para decidir o que prefere. \u00c9 claro que h\u00e1 outras coisas que se juntam aos direitos de propriedade.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Loca\u00e7\u00e3o financeira<\/h3>\n\n\n\n<p>Antes de mais, \u00e9 preciso compreender que n\u00e3o existe leasing. Come\u00e7aremos por nos concentrar na vertente financeira, que pode envolver, entre outras coisas <em>honor\u00e1rios iniciais para a celebra\u00e7\u00e3o do contrato<\/em>. Comparativamente a um cr\u00e9dito autom\u00f3vel, existem algumas diferen\u00e7as importantes. Estas diferen\u00e7as podem ser \u00fateis para algumas pessoas e n\u00e3o para outras.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Valor<\/strong><\/td><\/tr><tr><td>Contas<\/td><td>Sim<\/td><\/tr><tr><td>Seguro autom\u00f3vel<\/td><td>Inclu\u00eddo nas presta\u00e7\u00f5es<\/td><\/tr><tr><td>Manuten\u00e7\u00e3o de ve\u00edculos<\/td><td>Cliente<\/td><\/tr><tr><td>Idade do ve\u00edculo<\/td><td>Apenas autom\u00f3vel novo<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">A loca\u00e7\u00e3o financeira e as suas caracter\u00edsticas importantes resumidas numa s\u00f3.<\/figcaption><\/figure>\n\n\n\n<p>Com uma loca\u00e7\u00e3o financeira, tem de pagar uma entrada inicial. Na maior parte dos prestadores de servi\u00e7os, essa entrada pode ascender a 30 %. No entanto, em compara\u00e7\u00e3o com um empr\u00e9stimo, n\u00e3o ter\u00e1 quaisquer custos iniciais adicionais associados \u00e0 compra de um autom\u00f3vel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Detalhes da loca\u00e7\u00e3o financeira<\/h3>\n\n\n\n<p>Uma das desvantagens da loca\u00e7\u00e3o financeira \u00e9 o j\u00e1 referido pagamento da responsabilidade obrigat\u00f3ria no \u00e2mbito das presta\u00e7\u00f5es mensais pagas \u00e0 sociedade de loca\u00e7\u00e3o financeira. Neste caso, n\u00e3o pode reclamar os seus b\u00f3nus junto da sua companhia de seguros de habita\u00e7\u00e3o. O mesmo se aplica ao seguro de acidentes.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>O seguro de arrendamento pode tornar-se um custo desnecessariamente mais elevado para si devido a b\u00f3nus n\u00e3o reconhecidos. <\/p>\n<cite>Harry S., perito em seguros.<\/cite><\/blockquote>\n\n\n\n<p>Algumas empresas de leasing est\u00e3o dispostas a perdoar ou a reduzir o montante da entrada inicial. No entanto, tem de contar com uma taxa de juro mais elevada que se reflectir\u00e1 no seu pagamento mensal.<\/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\">Pode alugar um autom\u00f3vel novo e bem equipado para a condu\u00e7\u00e3o quotidiana.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Loca\u00e7\u00e3o operacional<\/h2>\n\n\n\n<p>Se analisar as ofertas de produtos das empresas de leasing, encontrar\u00e1 mais um tipo de leasing para al\u00e9m do financeiro. O seu ramo imagin\u00e1rio \u00e9 <strong>Loca\u00e7\u00e3o operacional<\/strong>. Quando ouvir esta express\u00e3o num concession\u00e1rio autom\u00f3vel, pode ter a certeza de que se trata de uma forma de aluguer de autom\u00f3veis.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagar presta\u00e7\u00f5es mensais regulares<\/li>\n\n\n\n<li>O contrato tem um per\u00edodo de dura\u00e7\u00e3o limitado<\/li>\n\n\n\n<li>A presta\u00e7\u00e3o inclui todos os elementos essenciais<\/li>\n<\/ul>\n\n\n\n<p>O montante da presta\u00e7\u00e3o mensal inclui os juros da empresa de leasing, o seguro autom\u00f3vel, incluindo o seguro de acidentes e, por \u00faltimo, mas n\u00e3o menos importante, o custo da manuten\u00e7\u00e3o completa do autom\u00f3vel. Esta \u00e9 uma das principais diferen\u00e7as em rela\u00e7\u00e3o ao leasing financeiro.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Loca\u00e7\u00e3o operacional - O que mais deve saber?<\/h3>\n\n\n\n<p>Este tipo de leasing trata basicamente de tudo o que est\u00e1 relacionado com o autom\u00f3vel por si, pelo que <em>N\u00e3o tem de se preocupar com nada e basta utilizar um meio de transporte espec\u00edfico<\/em>. Estas repara\u00e7\u00f5es e a manuten\u00e7\u00e3o regular s\u00f3 podem ser efectuadas numa oficina autorizada.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Assunto<\/strong><\/td><td><strong>Valor<\/strong><\/td><\/tr><tr><td>Dura\u00e7\u00e3o do aluguer<\/td><td>Normalmente 3 a 7 anos<\/td><\/tr><tr><td>\u00c9 necess\u00e1rio subscrever um seguro de acidentes<\/td><td>Sim<\/td><\/tr><tr><td>Propriedade do ve\u00edculo<\/td><td>Inquilino<\/td><\/tr><tr><td>Rescis\u00e3o antecipada do contrato<\/td><td>Penalidades<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">O leasing operacional tem muitas caracter\u00edsticas importantes e essenciais que deve conhecer.<\/figcaption><\/figure>\n\n\n\n<p>A loca\u00e7\u00e3o operacional, pela sua natureza, conv\u00e9m obviamente a muitas pessoas. O contrato de loca\u00e7\u00e3o operacional \u00e9 sobretudo utilizado no sector comercial. No entanto, nos \u00faltimos anos, tem vindo a ganhar cada vez mais adeptos nos lares comuns.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Desvantagens do leasing<\/h3>\n\n\n\n<p>No caso das loca\u00e7\u00f5es operacionais, \u00e9 de esperar um certo per\u00edodo de imobiliza\u00e7\u00e3o. Isto significa que, se decidir terminar o aluguer antecipadamente, <strong>normalmente tem de pagar taxas de penaliza\u00e7\u00e3o<\/strong>que n\u00e3o s\u00e3o pequenos. Uma vez que o autom\u00f3vel \u00e9 propriedade de uma empresa de leasing, existe um risco adicional. Trata-se da fal\u00eancia da empresa de leasing, ap\u00f3s a qual \u00e9 muito prov\u00e1vel que perca o ve\u00edculo.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>O leasing est\u00e1 tamb\u00e9m ligado \u00e0 restri\u00e7\u00e3o das pessoas que conduzem o autom\u00f3vel. N\u00e3o se pode alugar um autom\u00f3vel a qualquer pessoa. As pessoas s\u00e3o geralmente especificadas no contrato. <\/p>\n<cite>Jack S., propriet\u00e1rio da empresa de aluguer.<\/cite><\/blockquote>\n\n\n\n<p>Deve tamb\u00e9m estar preparado para cuidar do ve\u00edculo em certa medida. Se o danificar, a empresa de leasing pode acabar por cobrar-lhe um montante significativo pela repara\u00e7\u00e3o. Para evitar este problema, \u00e9 prefer\u00edvel que as avarias sejam tratadas por um reparador autorizado.<\/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\">O financiamento e o pagamento do autom\u00f3vel s\u00e3o inteiramente da sua responsabilidade. Vai optar por um empr\u00e9stimo autom\u00f3vel ou por um leasing?<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Empr\u00e9stimo autom\u00f3vel ou leasing?<\/h2>\n\n\n\n<p>Uma quest\u00e3o sobre a qual deve ter pelo menos alguma clareza depois de ler as linhas acima. Se tiv\u00e9ssemos de fazer um resumo geral, este seria bastante claro. O leasing \u00e9, sem d\u00favida, uma op\u00e7\u00e3o que o libertar\u00e1 de quaisquer preocupa\u00e7\u00f5es com o autom\u00f3vel, <em>mais f\u00e1cil de obter, mas mais caro<\/em>. Enquanto um empr\u00e9stimo \u00e9 mais complicado em termos de aprova\u00e7\u00e3o de cr\u00e9dito, por outro lado, tem op\u00e7\u00f5es ilimitadas no que diz respeito ao ve\u00edculo que possui.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Perguntas e respostas<\/h3>\n\n\n\n<p>Ainda est\u00e1 a pensar se deve optar pelo leasing ou por um cr\u00e9dito autom\u00f3vel convencional? Ent\u00e3o, prepar\u00e1mos para si perguntas e respostas que lhe dir\u00e3o muito. Talvez esta informa\u00e7\u00e3o o ajude a tomar a sua decis\u00e3o mais facilmente.<\/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\">Posso alugar um autom\u00f3vel?<\/strong> <p class=\"schema-faq-answer\">Sim, na maioria dos casos, pode solicitar o privil\u00e9gio da loca\u00e7\u00e3o financeira. No entanto, s\u00f3 pode comprar o autom\u00f3vel ap\u00f3s o termo do contrato de loca\u00e7\u00e3o financeira. Nalguns casos, esta compra tamb\u00e9m pode ser feita com uma loca\u00e7\u00e3o operacional.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433595984\"><strong class=\"schema-faq-question\">Qual \u00e9 o prazo de reembolso de um cr\u00e9dito autom\u00f3vel?<\/strong> <p class=\"schema-faq-answer\">Este produto financeiro \u00e9 bastante benevolente a este respeito. Isto significa que pode fixar a dura\u00e7\u00e3o do reembolso em fun\u00e7\u00e3o das suas possibilidades, de modo a poder cumprir os compromissos exigidos pelo empr\u00e9stimo.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433603761\"><strong class=\"schema-faq-question\">Existem san\u00e7\u00f5es em caso de incumprimento de um empr\u00e9stimo autom\u00f3vel?<\/strong> <p class=\"schema-faq-answer\">N\u00e3o, n\u00e3o \u00e9. Normalmente, estes empr\u00e9stimos n\u00e3o est\u00e3o sujeitos a penaliza\u00e7\u00f5es. O oposto disto \u00e9 o leasing e a rescis\u00e3o antecipada do contrato de aluguer.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433616575\"><strong class=\"schema-faq-question\">Quais os par\u00e2metros a ter em conta na escolha de um cr\u00e9dito autom\u00f3vel?<\/strong> <p class=\"schema-faq-answer\">Concentre-se principalmente na taxa anual de encargos efectiva global, conhecida como TAEG. Este \u00e9 um dos principais valores reveladores.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433625743\"><strong class=\"schema-faq-question\">Tenho de tratar do seguro de colis\u00e3o num empr\u00e9stimo autom\u00f3vel?<\/strong> <p class=\"schema-faq-answer\">N\u00e3o tem de o fazer. Apenas o seguro de responsabilidade civil \u00e9 obrigat\u00f3rio. O seguro de colis\u00e3o \u00e9 volunt\u00e1rio. Por outro lado, \u00e9 um elemento necess\u00e1rio num contrato de aluguer.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">O leasing n\u00e3o \u00e9 para todos<\/h3>\n\n\n\n<p>Como pode adivinhar correctamente, <strong>leasing e cr\u00e9dito autom\u00f3vel<\/strong> n\u00e3o s\u00e3o para toda a gente. Os dois produtos de cr\u00e9dito atraem grupos ligeiramente diferentes de compradores de autom\u00f3veis. Mas o importante \u00e9 que pode escolher. Por isso, se n\u00e3o tiver dinheiro suficiente para comprar um autom\u00f3vel, existe uma forma adequada.<\/p>","protected":false},"excerpt":{"rendered":"<p>O leasing e o cr\u00e9dito autom\u00f3vel s\u00e3o as duas formas mais comuns de financiar um ve\u00edculo. A excep\u00e7\u00e3o \u00e9, evidentemente, quando se tem dinheiro suficiente e se pode comprar um ve\u00edculo por conta pr\u00f3pria, quer se pague a pronto ou atrav\u00e9s de pagamento online. No entanto, se n\u00e3o dispuser de fundos suficientes, existem tr\u00eas formas diferentes de ... <\/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 v27.3 - 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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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\":\"pt-PT\"},\"inLanguage\":\"pt-PT\"},{\"@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\":\"pt-PT\"},\"inLanguage\":\"pt-PT\"},{\"@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":"pt-PT"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/pt\/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":"Posso alugar um autom\u00f3vel?","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":"pt-PT"},"inLanguage":"pt-PT"},{"@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":"Qual \u00e9 o prazo de reembolso de um cr\u00e9dito autom\u00f3vel?","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":"pt-PT"},"inLanguage":"pt-PT"},{"@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":"Existem san\u00e7\u00f5es em caso de incumprimento de um empr\u00e9stimo autom\u00f3vel?","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":"pt-PT"},"inLanguage":"pt-PT"},{"@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":"Quais os par\u00e2metros a ter em conta na escolha de um cr\u00e9dito autom\u00f3vel?","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":"pt-PT"},"inLanguage":"pt-PT"},{"@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":"Tenho de tratar do seguro de colis\u00e3o num empr\u00e9stimo autom\u00f3vel?","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":"pt-PT"},"inLanguage":"pt-PT"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/posts\/810","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/comments?post=810"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/posts\/810\/revisions"}],"predecessor-version":[{"id":815,"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/posts\/810\/revisions\/815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/media\/811"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/media?parent=810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/categories?post=810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/pt\/wp-json\/wp\/v2\/tags?post=810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}