{"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\/ro\/leasing-vs-imprumuturi-pentru-o-masina-ce-sa-selectezi\/","title":{"rendered":"Leasing vs. credit auto. Ce s\u0103 alege\u021bi?"},"content":{"rendered":"<p>Leasingul \u0219i \u00eemprumuturile auto sunt cele mai frecvente dou\u0103 modalit\u0103\u021bi de finan\u021bare a unui vehicul. Excep\u021bia, desigur, este atunci c\u00e2nd ave\u021bi destui bani economisi\u021bi \u0219i pute\u021bi cump\u0103ra un vehicul pe cont propriu, fie c\u0103 pl\u0103ti\u021bi \u00een numerar sau prin <a href=\"https:\/\/regbu.com\/ro\/internet-payments-warning-of-posible-risks\/\"><strong>pl\u0103\u021bi prin internet<\/strong><\/a>. Cu toate acestea, dac\u0103 nu ave\u021bi suficien\u021bi bani, exist\u0103 trei op\u021biuni diferite.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00cemprumut auto<\/li>\n\n\n\n<li>Leasing financiar<\/li>\n\n\n\n<li>Leasing opera\u021bional<\/li>\n<\/ul>\n\n\n\n<p>Fiecare dintre aceste produse are propriile caracteristici specifice \u0219i aduce anumite avantaje \u0219i dezavantaje. Prin urmare, exist\u0103 probabil o solu\u021bie diferit\u0103 pentru fiecare dintre dumneavoastr\u0103. Dac\u0103 nu sunte\u021bi sigur ce este cel mai bine pentru dumneavoastr\u0103, citi\u021bi r\u00e2ndurile urm\u0103toare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00cemprumut auto<\/h2>\n\n\n\n<p>Probabil c\u0103 acest produs financiar nu are nevoie de o prezentare \u00eendelungat\u0103. Numele s\u0103u este destul de elocvent. \u00cel pute\u021bi utiliza pentru <strong>cump\u0103rarea unei ma\u0219ini noi sau de ocazie<\/strong>. Se deosebe\u0219te de leasing \u00een principal prin caracteristicile sale. Un \u00eemprumut auto este \u00een primul r\u00e2nd o chestiune care \u021bine de b\u0103nci. Cu toate acestea, furnizorii nebancari nu fac excep\u021bie.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Subiect<\/strong><\/td><td><strong>Valoare<\/strong><\/td><\/tr><tr><td>Proprietarul ma\u0219inii<\/td><td>Client<\/td><\/tr><tr><td>Conturi<\/td><td>Nu<\/td><\/tr><tr><td>Serviciu auto<\/td><td>Client<\/td><\/tr><tr><td>R\u0103spunderea obligatorie<\/td><td>Client<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Informa\u021bii \u0219i date de baz\u0103 referitoare la un credit auto conven\u021bional.<\/figcaption><\/figure>\n\n\n\n<p>\u00cemprumutul auto v\u0103 ofer\u0103 de fapt fondurile, iar restul depinde de dumneavoastr\u0103. Trebuie s\u0103 \u00eencheia\u021bi o asigurare obligatorie de r\u0103spundere civil\u0103 sau de avarie. De altfel, orice service asociat vehiculului v\u0103 va urma. Acesta poate fi v\u00e2ndut \u00een orice moment, iar banii pot fi restitui\u021bi. Sunte\u021bi proprietarul de drept.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00cemprumut auto special conceput<\/h3>\n\n\n\n<p>\u00cemprumutul auto descris mai sus poate avea un scop \u0219i nu are un scop. Mai ales \u00een cazul primului, v\u0103 ve\u021bi confrunta cu un lucru crucial. <em>Adesea trebuie s\u0103 garanta\u021bi ma\u0219ini noi \u0219i second-hand<\/em>. Acest lucru \u00eenseamn\u0103 c\u0103 nu sunte\u021bi proprietar \u00een timpul perioadei de rambursare.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Avantajul unui \u00eemprumut auto este c\u0103 pute\u021bi dispune de el dup\u0103 cum dori\u021bi. <\/p>\n<cite>Peter S., proprietarul reprezentan\u021bei auto.<\/cite><\/blockquote>\n\n\n\n<p>Toate aspectele pozitive de mai sus au \u0219i un dezavantaj. Un \u00eemprumut auto este asociat, de obicei, cu un proces administrativ mai complicat. Trebuie s\u0103 v\u0103 dovedi\u021bi solvabilitatea. Pe scurt, este ca \u0219i cum a\u021bi merge la banc\u0103 pentru un \u00eemprumut de consum.<\/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\">Achizi\u021bionarea unei ma\u0219ini noi sau second-hand poate fi accesibil\u0103 datorit\u0103 unui credit auto.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Leasingul ca un alt tip de \u00eemprumut<\/h2>\n\n\n\n<p>Toate op\u021biunile descrise \u00een acest articol sunt, de fapt, un tip de \u00eemprumut. Cu toate acestea, leasingul se \u00eencadreaz\u0103 \u00eentr-o categorie u\u0219or diferit\u0103. <strong>Este oferit \u00een principal de companiile de leasing<\/strong> \u0219i sunt legate \u00een principal de diferite condi\u021bii de achizi\u021bie. De asemenea, are diferite avantaje \u0219i dezavantaje.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00cen cazul leasingului, nu de\u021bine\u021bi ma\u0219ina pe care o cump\u0103ra\u021bi.<\/li>\n\n\n\n<li>Proprietarul s\u0103u este o companie de leasing<\/li>\n\n\n\n<li>P\u00e2n\u0103 la sf\u00e2r\u0219itul contractului<\/li>\n<\/ul>\n\n\n\n<p>Proprietatea este probabil cea mai mare diferen\u021b\u0103 \u00eentre leasing \u0219i \u00eemprumut pentru o ma\u0219in\u0103. Numai acest lucru ar trebui s\u0103 fie unul dintre parametrii de decizie ini\u021bial\u0103 pentru a decide ce prefera\u021bi \u00een cele din urm\u0103. Desigur, exist\u0103 \u0219i alte lucruri care se adaug\u0103 la drepturile de proprietate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Leasing financiar<\/h3>\n\n\n\n<p>\u00cen primul r\u00e2nd, trebuie s\u0103 \u00een\u021belege\u021bi c\u0103 nu exist\u0103 leasing. Ne vom concentra mai \u00eent\u00e2i asupra celui financiar, care poate implica, printre altele, urm\u0103toarele lucruri <em>taxele ini\u021biale pentru \u00eencheierea contractului<\/em>. \u00cen compara\u021bie cu un \u00eemprumut auto, pute\u021bi observa c\u00e2teva diferen\u021be majore. Acestea se pot potrivi unor persoane \u0219i nu altora.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Subiect<\/strong><\/td><td><strong>Valoare<\/strong><\/td><\/tr><tr><td>Conturi<\/td><td>Da<\/td><\/tr><tr><td>Asigurare auto<\/td><td>Inclus\u0103 \u00een rate<\/td><\/tr><tr><td>\u00centre\u021binerea vehiculelor<\/td><td>Client<\/td><\/tr><tr><td>Vechimea ma\u0219inii<\/td><td>Numai ma\u0219ini noi<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Leasingul financiar \u0219i caracteristicile sale importante rezumate \u00eentr-un singur document.<\/figcaption><\/figure>\n\n\n\n<p>\u00cen cazul unui leasing financiar, trebuie s\u0103 pl\u0103ti\u021bi un avans ini\u021bial. Aceasta poate fi de p\u00e2n\u0103 la 30 % pentru majoritatea furnizorilor. Cu toate acestea, \u00een compara\u021bie cu un \u00eemprumut, nu va trebui s\u0103 pl\u0103ti\u021bi costuri ini\u021biale suplimentare pentru a cump\u0103ra o ma\u0219in\u0103.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Detalii privind leasingul financiar<\/h3>\n\n\n\n<p>Unul dintre dezavantajele leasingului financiar este plata obligativit\u0103\u021bii men\u021bionate mai sus \u00een cadrul ratelor lunare pl\u0103tite c\u0103tre societatea de leasing. \u00cen acest caz, nu pute\u021bi solicita bonusurile de la compania de asigurare a locuin\u021bei. Acela\u0219i lucru este valabil \u0219i pentru asigurarea de accidente.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Asigurarea de leasing poate deveni un cost inutil de ridicat pentru dumneavoastr\u0103 din cauza unor prime nerecunoscute. <\/p>\n<cite>Harry S., expert \u00een asigur\u0103ri.<\/cite><\/blockquote>\n\n\n\n<p>Unele companii de leasing sunt dispuse s\u0103 ierte sau s\u0103 reduc\u0103 valoarea avansului ini\u021bial. Cu toate acestea, trebuie s\u0103 v\u0103 a\u0219tepta\u021bi ca o rat\u0103 a dob\u00e2nzii mai mare s\u0103 se reflecte \u00een plata lunar\u0103.<\/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\">Pute\u021bi \u00eenchiria o ma\u0219in\u0103 \u00een primul r\u00e2nd nou\u0103 \u0219i bine echipat\u0103 pentru condusul zilnic.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Leasing opera\u021bional<\/h2>\n\n\n\n<p>Dac\u0103 v\u0103 uita\u021bi \u00een ofertele de produse ale companiilor de leasing, ve\u021bi g\u0103si \u00eenc\u0103 un tip de leasing \u00een afar\u0103 de cel financiar. Ramura sa imaginar\u0103 este <strong>Leasing opera\u021bional<\/strong>. C\u00e2nd auzi\u021bi aceast\u0103 expresie la un dealer auto, pute\u021bi fi siguri c\u0103 este vorba de o form\u0103 de \u00eenchiriere de ma\u0219ini.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pl\u0103ti\u021bi rate lunare regulate<\/li>\n\n\n\n<li>Contractul este pe o perioad\u0103 limitat\u0103 de timp<\/li>\n\n\n\n<li>Rata include toate elementele esen\u021biale<\/li>\n<\/ul>\n\n\n\n<p>Valoarea ratelor lunare include dob\u00e2nda societ\u0103\u021bii de leasing, asigurarea auto, inclusiv asigurarea de avarie \u0219i, nu \u00een ultimul r\u00e2nd, costul \u00eentre\u021binerii complete a ma\u0219inii. Aceasta este una dintre principalele diferen\u021be fa\u021b\u0103 de leasingul financiar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Leasingul opera\u021bional - Ce mai trebuie s\u0103 \u0219ti\u021bi?<\/h3>\n\n\n\n<p>Practic, acest tip de leasing se ocup\u0103 de tot ceea ce \u021bine de ma\u0219in\u0103 pentru dumneavoastr\u0103, a\u0219a c\u0103 <em>Nu trebuie s\u0103 v\u0103 face\u021bi griji pentru nimic \u0219i s\u0103 folosi\u021bi doar un anumit mijloc de transport<\/em>. Aceste repara\u021bii \u0219i \u00eentre\u021binerea periodic\u0103 pot fi efectuate numai la un atelier autorizat.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Subiect<\/strong><\/td><td><strong>Valoare<\/strong><\/td><\/tr><tr><td>Durata contractului de \u00eenchiriere<\/td><td>De obicei \u00eentre 3 \u0219i 7 ani<\/td><\/tr><tr><td>Este necesar s\u0103 \u00eencheiem o asigurare \u00eempotriva accidentelor<\/td><td>Da<\/td><\/tr><tr><td>Dreptul de proprietate asupra autoturismului<\/td><td>Chiria\u0219<\/td><\/tr><tr><td>Rezilierea anticipat\u0103 a contractului<\/td><td>Taxe de penalizare<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Leasingul opera\u021bional are multe caracteristici importante \u0219i esen\u021biale pe care trebuie s\u0103 le cunoa\u0219te\u021bi.<\/figcaption><\/figure>\n\n\n\n<p>Prin natura lor, contractele de leasing opera\u021bional se vor potrivi, \u00een mod evident, multor persoane. Acesta este predominant \u00een primul r\u00e2nd \u00een segmentul comercial. Cu toate acestea, \u00een ultimii ani, a c\u00e2\u0219tigat tot mai mul\u021bi adep\u021bi \u0219i \u00een gospod\u0103riile obi\u0219nuite.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dezavantajele leasingului<\/h3>\n\n\n\n<p>\u00cen cazul contractelor de leasing opera\u021bional, trebuie s\u0103 v\u0103 a\u0219tepta\u021bi la o anumit\u0103 perioad\u0103 de imobilizare. Aceasta \u00eenseamn\u0103 c\u0103, dac\u0103 decide\u021bi s\u0103 \u00eencheia\u021bi contractul de leasing \u00eenainte de termen, <strong>de obicei trebuie s\u0103 pl\u0103ti\u021bi penalit\u0103\u021bi<\/strong>care nu sunt mici. Deoarece ma\u0219ina este de\u021binut\u0103 de o companie de leasing, exist\u0103 un risc suplimentar. \u0218i anume falimentul companiei de leasing, \u00een urma c\u0103ruia cel mai probabil ve\u021bi pierde vehiculul.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Leasingul este legat \u0219i de restric\u021bia privind persoanele care conduc ma\u0219ina. Nu pute\u021bi \u00eenchiria o ma\u0219in\u0103 oricui. Persoanele sunt de obicei specificate \u00een contract. <\/p>\n<cite>Jack S., proprietar al companiei de leasing.<\/cite><\/blockquote>\n\n\n\n<p>De asemenea, ar trebui s\u0103 fi\u021bi preg\u0103tit s\u0103 v\u0103 ocupa\u021bi singur de vehicul \u00eentr-o anumit\u0103 m\u0103sur\u0103. Dac\u0103 \u00eel deteriora\u021bi, compania de leasing ar putea ajunge s\u0103 v\u0103 perceap\u0103 o sum\u0103 semnificativ\u0103 pentru repara\u021bii. Acest lucru este influen\u021bat de faptul c\u0103 orice defec\u021biune este rezolvat\u0103 de un reparator autorizat.<\/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\">Finan\u021barea \u0219i plata ma\u0219inii depind \u00een \u00eentregime de dumneavoastr\u0103. Ve\u021bi alege un credit auto sau un leasing?<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u00cemprumut auto sau leasing?<\/h2>\n\n\n\n<p>O \u00eentrebare la care ar trebui s\u0103 ave\u021bi cel pu\u021bin o oarecare claritate dup\u0103 ce a\u021bi citit r\u00e2ndurile de mai sus. Dac\u0103 ar fi s\u0103 facem un rezumat general, ar fi destul de clar. Leasingul este, cu siguran\u021b\u0103, o op\u021biune care v\u0103 va sc\u0103pa de orice grij\u0103 legat\u0103 de ma\u0219in\u0103, <em>mai u\u0219or de ob\u021binut, dar mai scump<\/em>. \u00cen timp ce un \u00eemprumut este mai complicat \u00een ceea ce prive\u0219te aprobarea creditului, pe de alt\u0103 parte, ave\u021bi op\u021biuni nelimitate \u00een ceea ce prive\u0219te vehiculul pe care \u00eel de\u021bine\u021bi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00centreb\u0103ri \u0219i r\u0103spunsuri<\/h3>\n\n\n\n<p>\u00cenc\u0103 te \u00eentrebi dac\u0103 s\u0103 alegi s\u0103 mergi pe calea leasingului sau s\u0103 preferi un credit auto conven\u021bional? Atunci am preg\u0103tit pentru dvs. \u00eentreb\u0103ri \u0219i r\u0103spunsuri din care pute\u021bi afla multe lucruri. Poate c\u0103 aceste informa\u021bii v\u0103 vor ajuta s\u0103 lua\u021bi o decizie mai u\u0219oar\u0103.<\/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\">Pot \u00eenchiria o ma\u0219in\u0103?<\/strong> <p class=\"schema-faq-answer\">Da, \u00een cele mai multe cazuri, pute\u021bi solicita privilegiul de leasing financiar. Cu toate acestea, pute\u021bi cump\u0103ra ma\u0219ina numai dup\u0103 \u00eencheierea contractului de leasing. \u00cen unele cazuri, aceast\u0103 r\u0103scump\u0103rare poate fi aranjat\u0103 \u0219i cu un leasing opera\u021bional.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433595984\"><strong class=\"schema-faq-question\">Care este perioada de rambursare pentru un credit auto?<\/strong> <p class=\"schema-faq-answer\">Acest produs financiar este destul de binevoitor din acest punct de vedere. Aceasta \u00eenseamn\u0103 c\u0103 pute\u021bi stabili durata de rambursare \u00een func\u021bie de mijloacele dumneavoastr\u0103, astfel \u00eenc\u00e2t s\u0103 pute\u021bi face fa\u021b\u0103 angajamentelor de \u00eemprumut solicitate.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433603761\"><strong class=\"schema-faq-question\">Exist\u0103 penalit\u0103\u021bi pentru neplata unui \u00eemprumut auto?<\/strong> <p class=\"schema-faq-answer\">Nu, nu este. De obicei, aceste \u00eemprumuturi nu sunt \u00eenso\u021bite de comisioane de penalizare. Opusul acestui lucru este leasingul \u0219i rezilierea anticipat\u0103 a contractului de leasing.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433616575\"><strong class=\"schema-faq-question\">Ce parametri trebuie s\u0103 urm\u0103ri\u021bi atunci c\u00e2nd alege\u021bi un credit auto?<\/strong> <p class=\"schema-faq-answer\">Concentra\u021bi-v\u0103 \u00een primul r\u00e2nd pe rata anual\u0103 efectiv\u0103, cunoscut\u0103 sub numele de APR. Aceasta are una dintre principalele valori revelatoare.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433625743\"><strong class=\"schema-faq-question\">Trebuie s\u0103 m\u0103 ocup de asigurarea de coliziune la un \u00eemprumut auto?<\/strong> <p class=\"schema-faq-answer\">Nu trebuie s\u0103 o faci. Doar asigurarea de r\u0103spundere civil\u0103 este obligatorie. Asigurarea pentru coliziune este facultativ\u0103. Pe de alt\u0103 parte, este un element necesar \u00een cadrul unui contract de leasing.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Leasingul nu este pentru toat\u0103 lumea<\/h3>\n\n\n\n<p>Dup\u0103 cum pute\u021bi ghici corect, <strong>leasing \u0219i \u00eemprumut auto<\/strong> nu sunt pentru toat\u0103 lumea. Cele dou\u0103 produse de \u00eemprumut se adreseaz\u0103 unor grupuri u\u0219or diferite de cump\u0103r\u0103tori de ma\u0219ini. Dar ceea ce este important este c\u0103 pute\u021bi alege. A\u0219adar, dac\u0103 nu ave\u021bi suficien\u021bi bani proprii pentru o ma\u0219in\u0103, exist\u0103 o modalitate adecvat\u0103.<\/p>","protected":false},"excerpt":{"rendered":"<p>Leasingul \u0219i \u00eemprumuturile auto sunt cele mai frecvente dou\u0103 modalit\u0103\u021bi de finan\u021bare a unui vehicul. Excep\u021bie face, desigur, cazul \u00een care ave\u021bi destui bani economisi\u021bi \u0219i pute\u021bi cump\u0103ra un vehicul pe cont propriu, fie c\u0103 pl\u0103ti\u021bi \u00een numerar, fie prin plat\u0103 online. Cu toate acestea, dac\u0103 nu dispune\u021bi de fonduri suficiente, exist\u0103 trei ... <\/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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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\":\"ro-RO\"},\"inLanguage\":\"ro-RO\"},{\"@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\":\"ro-RO\"},\"inLanguage\":\"ro-RO\"},{\"@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\":\"ro-RO\"},\"inLanguage\":\"ro-RO\"},{\"@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. Ta m\u00e1 jednu z hlavn\u00edch vypov\u00eddac\u00edch hodnot.\",\"inLanguage\":\"ro-RO\"},\"inLanguage\":\"ro-RO\"},{\"@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\":\"Mus\u00edm \u0159e\u0161it havarijn\u00ed poji\u0161t\u011bn\u00ed u p\u016fj\u010dky na auto?\",\"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\":\"ro-RO\"},\"inLanguage\":\"ro-RO\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Leasing vs. credit auto. 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Co vybrat?"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/leasing-vs-pujcka-na-auto-co-vybrat\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Leasing vs. p\u016fj\u010dka na auto. 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":"ro-RO"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/ro\/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":"Pot \u00eenchiria o ma\u0219in\u0103?","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":"ro-RO"},"inLanguage":"ro-RO"},{"@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":"Care este perioada de rambursare pentru un credit 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":"ro-RO"},"inLanguage":"ro-RO"},{"@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":"Exist\u0103 penalit\u0103\u021bi pentru neplata unui \u00eemprumut 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":"ro-RO"},"inLanguage":"ro-RO"},{"@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":"Ce parametri trebuie s\u0103 urm\u0103ri\u021bi atunci c\u00e2nd alege\u021bi un credit 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. Ta m\u00e1 jednu z hlavn\u00edch vypov\u00eddac\u00edch hodnot.","inLanguage":"ro-RO"},"inLanguage":"ro-RO"},{"@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":"Trebuie s\u0103 m\u0103 ocup de asigurarea de coliziune la un \u00eemprumut auto?","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":"ro-RO"},"inLanguage":"ro-RO"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/posts\/810","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/comments?post=810"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/posts\/810\/revisions"}],"predecessor-version":[{"id":815,"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/posts\/810\/revisions\/815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/media\/811"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/media?parent=810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/categories?post=810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/ro\/wp-json\/wp\/v2\/tags?post=810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}