{"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\/sk\/leasing-vs-uvery-na-auto-co-vyberat\/","title":{"rendered":"Leasing vs. \u00faver na auto. \u010co si vybra\u0165?"},"content":{"rendered":"<p>Leasing a p\u00f4\u017ei\u010dka na auto s\u00fa dva najbe\u017enej\u0161ie sp\u00f4soby financovania vozidla. V\u00fdnimkou je, samozrejme, situ\u00e1cia, ke\u010f m\u00e1te na\u0161etren\u00fd dostatok pe\u0148az\u00ed a m\u00f4\u017eete si vozidlo k\u00fapi\u0165 sami, \u010di u\u017e zaplat\u00edte v hotovosti alebo prostredn\u00edctvom <a href=\"https:\/\/regbu.com\/sk\/internet-platby-varovanie-o-moznych-rizikach\/\"><strong>internetov\u00e9 platby<\/strong><\/a>. Ak v\u0161ak nem\u00e1te dostatok pe\u0148az\u00ed, m\u00e1te tri r\u00f4zne mo\u017enosti.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u00daver na auto<\/li>\n\n\n\n<li>Finan\u010dn\u00fd l\u00edzing<\/li>\n\n\n\n<li>Operat\u00edvny l\u00edzing<\/li>\n<\/ul>\n\n\n\n<p>Ka\u017ed\u00fd z t\u00fdchto produktov m\u00e1 svoje \u0161pecifick\u00e9 vlastnosti a prin\u00e1\u0161a ur\u010dit\u00e9 v\u00fdhody a nev\u00fdhody. Preto sa pre ka\u017ed\u00e9ho z v\u00e1s pravdepodobne n\u00e1jde in\u00e9 rie\u0161enie. Ak si nie ste ist\u00ed, \u010do je pre v\u00e1s najlep\u0161ie, pre\u010d\u00edtajte si nasleduj\u00face riadky.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00daver na auto<\/h2>\n\n\n\n<p>Tento finan\u010dn\u00fd produkt pravdepodobne netreba dlho predstavova\u0165. Jeho n\u00e1zov je dos\u0165 v\u00fdsti\u017en\u00fd. M\u00f4\u017eete ho pou\u017ei\u0165 na <strong>n\u00e1kup nov\u00e9ho alebo ojazden\u00e9ho vozidla<\/strong>. Od l\u00edzingu sa l\u00ed\u0161i najm\u00e4 svojimi vlastnos\u0165ami. \u00daver na auto je predov\u0161etk\u00fdm z\u00e1le\u017eitos\u0165ou b\u00e1nk. V\u00fdnimkou v\u0161ak nie s\u00fa ani nebankov\u00ed poskytovatelia.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Predmet<\/strong><\/td><td><strong>Hodnota<\/strong><\/td><\/tr><tr><td>Majite\u013e vozidla<\/td><td>Z\u00e1kazn\u00edk<\/td><\/tr><tr><td>\u00da\u010dty<\/td><td>Nie<\/td><\/tr><tr><td>Autoservis<\/td><td>Z\u00e1kazn\u00edk<\/td><\/tr><tr><td>Povinn\u00e9 ru\u010denie<\/td><td>Z\u00e1kazn\u00edk<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Z\u00e1kladn\u00e9 inform\u00e1cie a \u00fadaje t\u00fdkaj\u00face sa be\u017en\u00e9ho \u00faveru na auto.<\/figcaption><\/figure>\n\n\n\n<p>\u00daver na auto v\u00e1m skuto\u010dne poskytne finan\u010dn\u00e9 prostriedky a v\u0161etko ostatn\u00e9 je na v\u00e1s. Mus\u00edte si uzatvori\u0165 povinn\u00e9 zmluvn\u00e9 poistenie alebo havarijn\u00e9 poistenie. Mimochodom, v\u0161etky servisn\u00e9 \u00fakony spojen\u00e9 s vozidlom v\u00e1s bud\u00fa sprev\u00e1dza\u0165. To m\u00f4\u017eete kedyko\u013evek preda\u0165 a peniaze vr\u00e1ti\u0165. Ste pr\u00e1voplatn\u00fdm vlastn\u00edkom.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00da\u010delov\u00e1 p\u00f4\u017ei\u010dka na auto<\/h3>\n\n\n\n<p>Vy\u0161\u0161ie op\u00edsan\u00e1 p\u00f4\u017ei\u010dka na auto m\u00f4\u017ee by\u0165 \u00fa\u010delov\u00e1 aj ne\u00fa\u010delov\u00e1. Najm\u00e4 pri tom prvom sa stretnete s jednou z\u00e1sadnou vecou. <em>\u010casto mus\u00edte ru\u010di\u0165 za nov\u00e9 a ojazden\u00e9 vozidl\u00e1<\/em>. To znamen\u00e1, \u017ee po\u010das doby spl\u00e1cania nie ste vlastn\u00edkom.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>V\u00fdhodou \u00faveru na auto je, \u017ee s n\u00edm m\u00f4\u017eete naklada\u0165 pod\u013ea vlastn\u00e9ho uv\u00e1\u017eenia. <\/p>\n<cite>Peter S., majite\u013e autobaz\u00e1ru.<\/cite><\/blockquote>\n\n\n\n<p>V\u0161etky vy\u0161\u0161ie uveden\u00e9 pozit\u00edva maj\u00fa aj svoju nev\u00fdhodu. \u00daver na auto je zvy\u010dajne spojen\u00fd so zlo\u017eitej\u0161\u00edm administrat\u00edvnym procesom. Mus\u00edte preuk\u00e1za\u0165 svoju \u00faverov\u00fa bonitu. Stru\u010dne povedan\u00e9, je to ako \u00eds\u0165 do banky pre spotrebn\u00fd \u00faver.<\/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\">K\u00fapa nov\u00e9ho alebo ojazden\u00e9ho vozidla m\u00f4\u017ee by\u0165 v\u010faka \u00faveru na auto cenovo dostupn\u00e1.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Leasing ako in\u00fd typ \u00faveru<\/h2>\n\n\n\n<p>V\u0161etky mo\u017enosti op\u00edsan\u00e9 v tomto \u010dl\u00e1nku s\u00fa vlastne typom \u00faveru. Leasing v\u0161ak patr\u00ed do trochu inej kateg\u00f3rie. <strong>Pon\u00fakaj\u00fa ho predov\u0161etk\u00fdm l\u00edzingov\u00e9 spolo\u010dnosti<\/strong> a s\u00fa spojen\u00e9 najm\u00e4 s r\u00f4znymi podmienkami nadobudnutia. M\u00e1 tie\u017e r\u00f4zne v\u00fdhody a nev\u00fdhody.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pri l\u00edzingu nevlastn\u00edte vozidlo, ktor\u00e9 kupujete<\/li>\n\n\n\n<li>Jej vlastn\u00edkom je l\u00edzingov\u00e1 spolo\u010dnos\u0165<\/li>\n\n\n\n<li>Do konca platnosti zmluvy<\/li>\n<\/ul>\n\n\n\n<p>Vlastn\u00edctvo je pravdepodobne najv\u00e4\u010d\u0161\u00ed rozdiel medzi l\u00edzingom a p\u00f4\u017ei\u010dkou na auto. U\u017e len to by malo by\u0165 jedn\u00fdm z va\u0161ich po\u010diato\u010dn\u00fdch rozhodovac\u00edch parametrov, \u010domu nakoniec d\u00e1te prednos\u0165. Samozrejme, k vlastn\u00edckym pr\u00e1vam sa prid\u00e1vaj\u00fa aj \u010fal\u0161ie veci.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Finan\u010dn\u00fd l\u00edzing<\/h3>\n\n\n\n<p>V prvom rade by ste si mali uvedomi\u0165, \u017ee neexistuje ni\u010d tak\u00e9 ako l\u00edzing. Najsk\u00f4r sa zameriame na ten finan\u010dn\u00fd, ktor\u00fd m\u00f4\u017ee okrem in\u00e9ho zah\u0155\u0148a\u0165 <em>po\u010diato\u010dn\u00e9 poplatky za uzavretie zmluvy<\/em>. V porovnan\u00ed s p\u00f4\u017ei\u010dkou na auto m\u00f4\u017eete vidie\u0165 nieko\u013eko z\u00e1sadn\u00fdch rozdielov. Tie m\u00f4\u017eu niektor\u00fdm \u013eu\u010fom vyhovova\u0165 a in\u00fdm nie.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Predmet<\/strong><\/td><td><strong>Hodnota<\/strong><\/td><\/tr><tr><td>\u00da\u010dty<\/td><td>\u00c1no<\/td><\/tr><tr><td>Poistenie vozidla<\/td><td>Zahrnut\u00e9 v spl\u00e1tkach<\/td><\/tr><tr><td>\u00dadr\u017eba vozidiel<\/td><td>Z\u00e1kazn\u00edk<\/td><\/tr><tr><td>Vek vozidla<\/td><td>Len nov\u00e9 vozidlo<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Finan\u010dn\u00fd l\u00edzing a jeho d\u00f4le\u017eit\u00e9 vlastnosti zhrnut\u00e9 v jednom.<\/figcaption><\/figure>\n\n\n\n<p>Pri finan\u010dnom l\u00edzingu mus\u00edte zaplati\u0165 po\u010diato\u010dn\u00fa akont\u00e1ciu. T\u00e1 m\u00f4\u017ee by\u0165 u v\u00e4\u010d\u0161iny poskytovate\u013eov a\u017e 30 %. V porovnan\u00ed s \u00faverom v\u0161ak nebudete ma\u0165 \u017eiadne \u010fal\u0161ie po\u010diato\u010dn\u00e9 n\u00e1klady spojen\u00e9 s k\u00fapou vozidla.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Podrobnosti o finan\u010dnom l\u00edzingu<\/h3>\n\n\n\n<p>Jednou z nev\u00fdhod finan\u010dn\u00e9ho l\u00edzingu je u\u017e spom\u00ednan\u00e1 \u00fahrada povinn\u00e9ho ru\u010denia v r\u00e1mci mesa\u010dn\u00fdch spl\u00e1tok platen\u00fdch l\u00edzingovej spolo\u010dnosti. V tomto pr\u00edpade si nem\u00f4\u017eete uplatni\u0165 n\u00e1rok na bonusy od va\u0161ej pois\u0165ovne dom\u00e1cnosti. To ist\u00e9 plat\u00ed aj pre havarijn\u00e9 poistenie.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Poistenie l\u00edzingu sa pre v\u00e1s m\u00f4\u017ee sta\u0165 zbyto\u010dne vy\u0161\u0161\u00edm n\u00e1kladom kv\u00f4li neuznan\u00fdm bonusom. <\/p>\n<cite>Harry S., pois\u0165ovac\u00ed agent.<\/cite><\/blockquote>\n\n\n\n<p>Niektor\u00e9 l\u00edzingov\u00e9 spolo\u010dnosti s\u00fa ochotn\u00e9 odpusti\u0165 alebo zn\u00ed\u017ei\u0165 v\u00fd\u0161ku po\u010diato\u010dnej akont\u00e1cie. Mus\u00edte v\u0161ak po\u010d\u00edta\u0165 s vy\u0161\u0161ou \u00farokovou sadzbou, ktor\u00e1 sa premietne do va\u0161ej mesa\u010dnej spl\u00e1tky.<\/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\">M\u00f4\u017eete si prenaja\u0165 predov\u0161etk\u00fdm nov\u00e9 a dobre vybaven\u00e9 vozidlo na ka\u017edodenn\u00e9 jazdenie.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Operat\u00edvny l\u00edzing<\/h2>\n\n\n\n<p>Ak sa pozriete do ponuky produktov l\u00edzingov\u00fdch spolo\u010dnost\u00ed, n\u00e1jdete okrem finan\u010dn\u00e9ho l\u00edzingu e\u0161te jeden typ l\u00edzingu. Jeho pomyselnou odno\u017eou je <strong>operat\u00edvny l\u00edzing<\/strong>. Ke\u010f po\u010dujete tento v\u00fdraz v predajni \u00e1ut, m\u00f4\u017eete si by\u0165 ist\u00ed, \u017ee ide o nejak\u00fa formu pren\u00e1jmu auta.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Plat\u00edte pravideln\u00e9 mesa\u010dn\u00e9 spl\u00e1tky<\/li>\n\n\n\n<li>Zmluva sa uzatv\u00e1ra na dobu ur\u010dit\u00fa<\/li>\n\n\n\n<li>Spl\u00e1tka obsahuje v\u0161etky z\u00e1kladn\u00e9 inform\u00e1cie<\/li>\n<\/ul>\n\n\n\n<p>V\u00fd\u0161ka mesa\u010dnej spl\u00e1tky zah\u0155\u0148a \u00faroky l\u00edzingovej spolo\u010dnosti, poistenie vozidla vr\u00e1tane havarijn\u00e9ho poistenia a v neposlednom rade n\u00e1klady na kompletn\u00fd servis vozidla. To je jeden z hlavn\u00fdch rozdielov oproti finan\u010dn\u00e9mu l\u00edzingu.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Operat\u00edvny l\u00edzing - \u010co by ste e\u0161te mali vedie\u0165?<\/h3>\n\n\n\n<p>Tento typ l\u00edzingu za v\u00e1s v podstate vybav\u00ed v\u0161etko, \u010do s\u00favis\u00ed s vozidlom, tak\u017ee <em>Nemus\u00edte sa o ni\u010d stara\u0165 a sta\u010d\u00ed pou\u017ei\u0165 konkr\u00e9tny dopravn\u00fd prostriedok<\/em>. Tieto opravy a pravideln\u00e9 servisn\u00e9 prehliadky sa m\u00f4\u017eu vykon\u00e1va\u0165 len v autorizovanom servise.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Predmet<\/strong><\/td><td><strong>Hodnota<\/strong><\/td><\/tr><tr><td>D\u013a\u017eka pren\u00e1jmu<\/td><td>Zvy\u010dajne 3 a\u017e 7 rokov<\/td><\/tr><tr><td>Je potrebn\u00e9 uzavrie\u0165 havarijn\u00e9 poistenie<\/td><td>\u00c1no<\/td><\/tr><tr><td>Vlastn\u00edctvo vozidla<\/td><td>N\u00e1jomca<\/td><\/tr><tr><td>Pred\u010dasn\u00e9 ukon\u010denie zmluvy<\/td><td>Sank\u010dn\u00e9 poplatky<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Operat\u00edvny l\u00edzing m\u00e1 mnoho d\u00f4le\u017eit\u00fdch a podstatn\u00fdch funkci\u00ed, ktor\u00e9 by ste mali pozna\u0165.<\/figcaption><\/figure>\n\n\n\n<p>Operat\u00edvny l\u00edzing svojou povahou zjavne vyhovuje mnoh\u00fdm jednotlivcom. Je roz\u0161\u00edren\u00fd predov\u0161etk\u00fdm v komer\u010dnom segmente. V posledn\u00fdch rokoch si v\u0161ak z\u00edskava \u010doraz viac priaznivcov aj v be\u017en\u00fdch dom\u00e1cnostiach.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nev\u00fdhody l\u00edzingu<\/h3>\n\n\n\n<p>Pri operat\u00edvnom l\u00edzingu po\u010d\u00edtajte s ur\u010dit\u00fdm obdob\u00edm viazanosti. To znamen\u00e1, \u017ee ak sa rozhodnete ukon\u010di\u0165 l\u00edzing pred\u010dasne, <strong>zvy\u010dajne mus\u00edte zaplati\u0165 sank\u010dn\u00e9 poplatky.<\/strong>ktor\u00e9 nie s\u00fa mal\u00e9. Ke\u010f\u017ee vozidlo je vo vlastn\u00edctve l\u00edzingovej spolo\u010dnosti, existuje \u010fal\u0161ie riziko. A to je bankrot l\u00edzingovej spolo\u010dnosti, po ktorom by ste o vozidlo s najv\u00e4\u010d\u0161ou pravdepodobnos\u0165ou pri\u0161li.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Leasing je tie\u017e spojen\u00fd s obmedzen\u00edm os\u00f4b, ktor\u00e9 m\u00f4\u017eu vozidlo riadi\u0165. Auto nem\u00f4\u017eete prenaja\u0165 len tak niekomu. Osoby s\u00fa zvy\u010dajne uveden\u00e9 v zmluve. <\/p>\n<cite>Jack S., majite\u013e l\u00edzingovej spolo\u010dnosti.<\/cite><\/blockquote>\n\n\n\n<p>Mali by ste by\u0165 tie\u017e pripraven\u00ed na to, \u017ee sa o vozidlo budete do ur\u010ditej miery stara\u0165 sami. Ak ho po\u0161kod\u00edte, l\u00edzingov\u00e1 spolo\u010dnos\u0165 v\u00e1m m\u00f4\u017ee napokon \u00fa\u010dtova\u0165 zna\u010dn\u00fa sumu za opravu. To je ovplyvnen\u00e9 t\u00fdm, \u017ee pr\u00edpadn\u00e9 poruchy sa bud\u00fa rie\u0161i\u0165 v autorizovanom servise.<\/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\">Financovanie a spl\u00e1canie vozidla je len na v\u00e1s. Rozhodnete sa pre \u00faver alebo l\u00edzing?<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u00daver na auto alebo l\u00edzing?<\/h2>\n\n\n\n<p>Ot\u00e1zka, ktor\u00e1 by v\u00e1m mala by\u0165 po pre\u010d\u00edtan\u00ed predch\u00e1dzaj\u00facich riadkov aspo\u0148 trochu jasn\u00e1. Ak by sme mali uvies\u0165 v\u0161eobecn\u00e9 zhrnutie, bolo by to celkom jasn\u00e9. Leasing je ur\u010dite mo\u017enos\u0165, ktor\u00e1 v\u00e1s zbav\u00ed ak\u00fdchko\u013evek starost\u00ed o auto, <em>\u013eah\u0161ie dostupn\u00e9, ale drah\u0161ie<\/em>. Zatia\u013e \u010do p\u00f4\u017ei\u010dka je komplikovanej\u0161ia z h\u013eadiska schva\u013eovania \u00faveru, na druhej strane m\u00e1te neobmedzen\u00e9 mo\u017enosti pri nakladan\u00ed s vozidlom, ktor\u00e9 vlastn\u00edte.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ot\u00e1zky a odpovede<\/h3>\n\n\n\n<p>E\u0161te st\u00e1le sa rozhodujete, \u010di sa vybra\u0165 cestou l\u00edzingu alebo rad\u0161ej klasick\u00e9ho \u00faveru na auto? Potom sme pre v\u00e1s pripravili ot\u00e1zky a odpovede, z ktor\u00fdch sa dozviete ve\u013ea zauj\u00edmav\u00e9ho. Mo\u017eno v\u00e1m tieto inform\u00e1cie pom\u00f4\u017eu u\u013eah\u010di\u0165 rozhodovanie.<\/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\">M\u00f4\u017eem si prenaja\u0165 auto?<\/strong> <p class=\"schema-faq-answer\">\u00c1no, vo v\u00e4\u010d\u0161ine pr\u00edpadov m\u00f4\u017eete po\u017eiada\u0165 o privil\u00e9gium finan\u010dn\u00e9ho l\u00edzingu. Vozidlo si v\u0161ak m\u00f4\u017eete k\u00fapi\u0165 a\u017e po skon\u010den\u00ed l\u00edzingovej zmluvy. V niektor\u00fdch pr\u00edpadoch je mo\u017en\u00e9 tento odkup dohodn\u00fa\u0165 aj s operat\u00edvnym l\u00edzingom.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433595984\"><strong class=\"schema-faq-question\">Ak\u00e1 je doba spl\u00e1cania \u00faveru na auto?<\/strong> <p class=\"schema-faq-answer\">Tento finan\u010dn\u00fd produkt je v tomto oh\u013eade pomerne benevolentn\u00fd. To znamen\u00e1, \u017ee d\u013a\u017eku spl\u00e1cania si m\u00f4\u017eete nastavi\u0165 pod\u013ea svojich mo\u017enost\u00ed tak, aby ste boli schopn\u00ed plni\u0165 po\u017eadovan\u00e9 z\u00e1v\u00e4zky z \u00faveru.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433603761\"><strong class=\"schema-faq-question\">Existuj\u00fa nejak\u00e9 sankcie za nespl\u00e1canie \u00faveru na auto?<\/strong> <p class=\"schema-faq-answer\">Nie, nie je. Tieto p\u00f4\u017ei\u010dky zvy\u010dajne nie s\u00fa spojen\u00e9 so \u017eiadnymi sank\u010dn\u00fdmi poplatkami. Opakom je l\u00edzing a pred\u010dasn\u00e9 ukon\u010denie l\u00edzingovej zmluvy.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433616575\"><strong class=\"schema-faq-question\">Na ak\u00e9 parametre sa zamera\u0165 pri v\u00fdbere \u00faveru na auto?<\/strong> <p class=\"schema-faq-answer\">Zamerajte sa predov\u0161etk\u00fdm na ro\u010dn\u00fa percentu\u00e1lnu mieru n\u00e1kladov, zn\u00e1mu ako RPMN. T\u00e1 m\u00e1 jednu z hlavn\u00fdch v\u00fdpovedn\u00fdch hodn\u00f4t.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684433625743\"><strong class=\"schema-faq-question\">Mus\u00edm pri p\u00f4\u017ei\u010dke na auto rie\u0161i\u0165 havarijn\u00e9 poistenie?<\/strong> <p class=\"schema-faq-answer\">Nemus\u00edte. Povinn\u00e9 je len poistenie zodpovednosti za \u0161kodu. Havarijn\u00e9 poistenie je dobrovo\u013en\u00e9. Na druhej strane je nevyhnutnou s\u00fa\u010das\u0165ou l\u00edzingovej zmluvy.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Leasing nie je pre ka\u017ed\u00e9ho<\/h3>\n\n\n\n<p>Ako spr\u00e1vne tu\u0161\u00edte, <strong>l\u00edzing a \u00faver na auto<\/strong> nie s\u00fa pre ka\u017ed\u00e9ho. Tieto dva \u00faverov\u00e9 produkty oslovia mierne odli\u0161n\u00e9 skupiny kupuj\u00facich automobilov. D\u00f4le\u017eit\u00e9 v\u0161ak je, \u017ee si m\u00f4\u017eete vybra\u0165. Ak teda nem\u00e1te dostatok vlastn\u00fdch pe\u0148az\u00ed na auto, existuje adekv\u00e1tny sp\u00f4sob.<\/p>","protected":false},"excerpt":{"rendered":"<p>Leasing a p\u00f4\u017ei\u010dka na auto s\u00fa dva najbe\u017enej\u0161ie sp\u00f4soby financovania vozidla. V\u00fdnimkou je, samozrejme, pr\u00edpad, ke\u010f m\u00e1te na\u0161etren\u00fd dostatok pe\u0148az\u00ed a m\u00f4\u017eete si vozidlo k\u00fapi\u0165 sami, \u010di u\u017e zaplat\u00edte v hotovosti alebo prostredn\u00edctvom online platby. Ak v\u0161ak nem\u00e1te dostatok finan\u010dn\u00fdch prostriedkov, existuj\u00fa tri r\u00f4zne ... <\/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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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\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@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\":\"sk-SK\"},\"inLanguage\":\"sk-SK\"},{\"@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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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":"sk-SK"},"inLanguage":"sk-SK"},{"@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":"Ak\u00e1 je doba spl\u00e1cania \u00faveru 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":"sk-SK"},"inLanguage":"sk-SK"},{"@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":"Existuj\u00fa nejak\u00e9 sankcie za nespl\u00e1canie \u00faveru 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":"sk-SK"},"inLanguage":"sk-SK"},{"@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 ak\u00e9 parametre sa zamera\u0165 pri v\u00fdbere \u00faveru 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":"sk-SK"},"inLanguage":"sk-SK"},{"@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 pri p\u00f4\u017ei\u010dke na auto rie\u0161i\u0165 havarijn\u00e9 poistenie?","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":"sk-SK"},"inLanguage":"sk-SK"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/posts\/810","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/comments?post=810"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/posts\/810\/revisions"}],"predecessor-version":[{"id":815,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/posts\/810\/revisions\/815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/media\/811"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/media?parent=810"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/categories?post=810"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/sk\/wp-json\/wp\/v2\/tags?post=810"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}