{"id":2133,"date":"2024-02-22T11:16:01","date_gmt":"2024-02-22T10:16:01","guid":{"rendered":"https:\/\/www.rixo.cz\/blog\/?p=2133"},"modified":"2024-02-22T11:15:20","modified_gmt":"2024-02-22T10:15:20","slug":"pujcka-na-auto-jakou-vybrat-a-proc","status":"publish","type":"post","link":"https:\/\/www.rixo.cz\/blog\/pujcka-na-auto-jakou-vybrat-a-proc\/","title":{"rendered":"P\u016fj\u010dka na auto: Jakou vybrat a pro\u010d?"},"content":{"rendered":"\n

P\u0159em\u00fd\u0161l\u00edte o po\u0159\u00edzen\u00ed nov\u00e9ho auta? A\u0165 u\u017e si d\u011bl\u00e1te z\u00e1lusk na nejnov\u011bj\u0161\u00ed model nebo ojetinu, seznamte se nejprve s mo\u017enostmi jeho financov\u00e1n\u00ed. Provedeme v\u00e1s v\u00fdhodami po\u0159\u00edzen\u00ed auta na \u00fav\u011br a porad\u00edme, na co se soust\u0159edit. P\u016fj\u010dka na auto v\u00e1s nemus\u00ed v\u017edy vyj\u00edt draho.<\/p>\n\n\n\n

Pokud na auto nem\u00e1te dostatek prost\u0159edk\u016f z vlastn\u00edch zdroj\u016f, pravd\u011bpodobn\u011b uva\u017eujete o leasingu<\/strong>, \u00fa\u010delov\u00e9m \u00fav\u011bru<\/strong>, ne\u00fa\u010delov\u00e9m spot\u0159ebitelsk\u00e9m \u00fav\u011bru <\/strong>nebo kombinaci vlastn\u00edch zdroj\u016f a \u00fav\u011bru. Jak\u00e1 varianta financov\u00e1n\u00ed je ta nejvhodn\u011bj\u0161\u00ed pro v\u00e1s a pro\u010d nezanev\u0159\u00edt na p\u016fj\u010dku? V\u0161echno, co pot\u0159ebujete v\u011bd\u011bt, najdete v na\u0161em \u010dl\u00e1nku. <\/p>\n\n\n\n

Jak se vyznat mezi p\u016fj\u010dkami a leasingy?<\/h2>\n\n\n\n

Jak funguj\u00ed p\u016fj\u010dky a leasingov\u00e9 produkty, u\u017e ur\u010dit\u011b alespo\u0148 z doslechu v\u00edte. V\u0161e m\u00e1 ale sv\u00e9 v\u00fdhody a nev\u00fdhody. Pr\u00e1v\u011b na n\u011b se te\u010f zam\u011b\u0159\u00edme. Za\u010dn\u011bme s klasick\u00fdm spot\u0159ebitelsk\u00fdm \u00fav\u011brem<\/strong>. V\u00fdhodou oby\u010dejn\u00e9 p\u016fj\u010dky je bezesporu fakt, \u017ee za p\u016fj\u010den\u00e9 prost\u0159edky si m\u016f\u017eete po\u0159\u00eddit cokoliv<\/strong> a vlastnictv\u00ed t\u011bchto v\u011bc\u00ed n\u00e1le\u017e\u00ed jen v\u00e1m<\/strong>. Sjedn\u00e1n\u00ed p\u016fj\u010dky nav\u00edc neb\u00fdv\u00e1 nijak komplikovan\u00e9, proto\u017ee dnes u\u017e m\u016f\u017eete s bankou v\u0161echno vy\u0159\u00eddit online<\/strong>. P\u0159ipravit se ov\u0161em mus\u00edte na prov\u011b\u0159ov\u00e1n\u00ed <\/strong>va\u0161\u00ed bonity<\/strong><\/a> v\u010detn\u011b p\u0159edlo\u017een\u00ed v\u00fdpis\u016f z \u00fa\u010dtu a zkoum\u00e1n\u00ed z\u00e1pis\u016f v registrech. <\/p>\n\n\n\n

A jak si oproti oby\u010dejn\u00e9 ne\u00fa\u010delov\u00e9 p\u016fj\u010dce stoj\u00ed \u00fa\u010delov\u00fd \u00fav\u011br na auto<\/strong>? Tato varianta se p\u0159\u00edli\u0161 neli\u0161\u00ed od klasick\u00fdch p\u016fj\u010dek, kter\u00e9 zn\u00e1te. U\u017e n\u00e1zev v\u00e1m ale napov\u00ed, \u017ee za p\u016fj\u010den\u00e9 pen\u00edze si nem\u016f\u017eete zrekonstruovat byt nebo koupit novou pra\u010dku. Vyu\u017e\u00edt je m\u016f\u017eete pouze na n\u00e1kup nov\u00e9ho \u010di ojet\u00e9ho vozidla<\/strong> a zpravidla budete sv\u00fdm nov\u00fdm autem za \u00fav\u011br ru\u010dit<\/strong>. D\u00edky \u00fa\u010delov\u00e9 autop\u016fj\u010dce mimo jin\u00e9 dos\u00e1hnete na ni\u017e\u0161\u00ed \u00farok a zpravidla tak\u00e9 na del\u0161\u00ed dobu splatnosti. Chcete si po\u0159\u00eddit n\u011bco jin\u00e9ho ne\u017e osob\u00e1k na \u010dty\u0159ech kolech? \u00da\u010delov\u00e1 autop\u016fj\u010dka v\u00e1m umo\u017en\u00ed po\u0159\u00eddit si i motocykl, \u010dty\u0159kolku, n\u00e1kladn\u00ed automobil<\/a> i pracovn\u00ed stroje.    <\/p>\n\n\n\n

Leasing <\/strong>na auto pat\u0159\u00ed k popul\u00e1rn\u00edm mo\u017enostem financov\u00e1n\u00ed, ov\u0161em m\u00e1 pom\u011brn\u011b v\u00fdznamn\u00fd z\u00e1drhel. Auto toti\u017e nepat\u0159\u00ed v\u00e1m<\/strong>, ale leasingov\u00e9 spole\u010dnosti. Vy si ho tedy prakticky jen pronaj\u00edm\u00e1te <\/strong>do doby, ne\u017e auto cel\u00e9 splat\u00edte (v p\u0159\u00edpad\u011b finan\u010dn\u00edho leasingu), p\u0159\u00edpadn\u011b v\u00e1m nikdy pat\u0159it nebude (v p\u0159\u00edpad\u011b operativn\u00edho leasingu). Na za\u010d\u00e1tku finan\u010dn\u00edho leasingu tak\u00e9 zpravidla budete muset zaplatit akontaci <\/strong>ve v\u00fd\u0161i zhruba t\u0159etiny hodnoty vozidla. K vyu\u017eit\u00ed leasingu v\u00e1s ale mohou motivovat m\u011bk\u010d\u00ed podm\u00ednky<\/strong> pro jeho z\u00edsk\u00e1n\u00ed nebo pohodl\u00ed<\/strong>, kter\u00e9 z\u00edsk\u00e1te se servisem a poji\u0161t\u011bn\u00edm auta v cen\u011b. <\/p>\n\n\n\n

M\u00e1 p\u016fj\u010dka na auto smysl? <\/h2>\n\n\n\n

Na ot\u00e1zku sice m\u016f\u017eeme jednodu\u0161e odpov\u011bd\u011bt \u201cano\u201d, ale rozhodn\u011b se vyplat\u00ed zap\u0159em\u00fd\u0161let o vhodnosti p\u016fj\u010dky<\/a> v souvislosti s t\u00edm, co hled\u00e1te pr\u00e1v\u011b vy. Pokud se poohl\u00ed\u017e\u00edte po nov\u00e9m \u010di z\u00e1novn\u00edm<\/strong> klasick\u00e9m osobn\u00edm aut\u011b a nevad\u00ed v\u00e1m, \u017ee nebude opravdu \u201cva\u0161e\u201d<\/strong>, s klidem m\u016f\u017eete j\u00edt do leasingu<\/strong>. V p\u0159\u00edpad\u011b, \u017ee si chcete sv\u00e9ho auta u\u017e\u00edvat bez omezen\u00ed<\/strong>, hodit se v\u00e1m bude sp\u00ed\u0161e klasick\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br \u201cna cokoliv\u201d<\/strong>. Tak\u00e9 myslete na to, \u017ee star\u0161\u00ed ojetiny<\/strong> nebo unik\u00e1tn\u00ed modely<\/strong> aut na leasing zpravidla nese\u017eenete<\/strong>. <\/p>\n\n\n\n

Klasick\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br v\u00e1m d\u00e1v\u00e1 volnost<\/strong> i v tom, \u017ee s autem m\u016f\u017eete nakl\u00e1dat podle sv\u00e9ho vlastn\u00edho uv\u00e1\u017een\u00ed. Pokud u\u017e nyn\u00ed v\u00edte, \u017ee budete cht\u00edt na aut\u011b prov\u00e1d\u011bt n\u011bjak\u00e9 \u00fapravy <\/strong>nebo v\u00e1m po \u010dase zkr\u00e1tka nebude vyhovovat a budete ho pot\u0159ebovat prodat<\/strong>, leasing by pro v\u00e1s mohl b\u00fdt p\u0159ek\u00e1\u017ekou. <\/p>\n\n\n\n

Vyplat\u00ed se p\u016fj\u010dka na auto pr\u00e1v\u011b v\u00e1m? <\/h2>\n\n\n\n

Investice do auta m\u016f\u017ee obn\u00e1\u0161et p\u016fj\u010dku jen na p\u00e1r des\u00edtek tis\u00edc, pro jin\u00e9 ale m\u016f\u017ee b\u00fdt \u010d\u00e1stka a\u017e \u0161esticifern\u00e1. V\u00fdrazn\u00fd rozd\u00edl v cen\u011b z\u00e1le\u017e\u00ed samoz\u0159ejm\u011b na tom, jak\u00e9 auto si vyb\u00edr\u00e1te. Z\u00e1rove\u0148 vezm\u011bte v potaz i v\u00fd\u0161i \u00fav\u011bru, na kter\u00fd dos\u00e1hnete.  <\/p>\n\n\n\n

P\u0159i v\u00fdb\u011bru auta se nesoust\u0159e\u010fte jen na okam\u017eit\u00e9 n\u00e1klady, pod\u00edvejte se i na n\u00e1klady do budoucna<\/strong>. Pokud kupujete ojetinu, po\u010d\u00edtejte s men\u0161\u00ed finan\u010dn\u00ed rezervou na nutn\u00e9 opravy. M\u016f\u017eete ale tak\u00e9 zjistit, \u017ee br\u00e1t si ni\u017e\u0161\u00ed a dosa\u017eiteln\u00fd \u00fav\u011br na star\u0161\u00ed auto se v\u00e1m nevyplat\u00ed u\u017e jen z toho d\u016fvodu, \u017ee do \u00fadr\u017eby a oprav<\/strong> d\u00e1te v\u00edce pen\u011bz, ne\u017e zaplat\u00edte na \u00fav\u011bru i s \u00faroky<\/strong>. V hor\u0161\u00edm p\u0159\u00edpad\u011b pak budete spl\u00e1cet p\u016fj\u010dku je\u0161t\u011b potom, co va\u0161e auto skon\u010d\u00ed na vrakovi\u0161ti. A takov\u00e1 p\u016fj\u010dka v\u00e1m rozhodn\u011b nep\u0159inese u\u017eitek. Pamatujte na dob\u0159e zn\u00e1mou pou\u010dku: m\u011bli byste si p\u016fj\u010dovat jen na v\u011bci, kter\u00e9 v\u00e1m vydr\u017e\u00ed i pot\u00e9, co \u00fav\u011br splat\u00edte. <\/p>\n\n\n\n

A co kdy\u017e je to naopak? Pokud sn\u00edte o po\u0159\u00edzen\u00ed nejnov\u011bj\u0161\u00edho auta rovnou ze salonu, realisticky zhodno\u0165te tak\u00e9 sv\u00e9 finan\u010dn\u00ed mo\u017enosti<\/strong>. Spo\u010d\u00edtejte si, zda na p\u016fj\u010dku v po\u017eadovan\u00e9 v\u00fd\u0161i dos\u00e1hnete<\/strong> a zda si budete moci dovolit ji spl\u00e1cet<\/strong>. A to nejen nyn\u00ed, ale i v budouc\u00edch letech. V\u017edy byste toti\u017e m\u011bli po\u010d\u00edtat s t\u00edm, \u017ee si i v pr\u016fb\u011bhu spl\u00e1cen\u00ed p\u016fj\u010dky budete moci na\u0161et\u0159it ur\u010ditou finan\u010dn\u00ed rezervu. P\u0159ece jen i samotn\u00fd provoz<\/strong> auta tak\u00e9 n\u011bco stoj\u00ed<\/strong>. Pokud bez probl\u00e9mu ustoj\u00edte m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky a dok\u00e1\u017eete si p\u0159itom i n\u011bjak\u00e9 pen\u00edze na\u0161et\u0159it, p\u016fj\u010dka m\u016f\u017ee b\u00fdt p\u0159esn\u011b to, co hled\u00e1te. <\/p>\n\n\n\n

Berete si p\u016fj\u010dku? Chra\u0148te se<\/h3>\n\n\n\n

P\u0159ed ne\u010dekan\u00fdmi ud\u00e1lostmi, kter\u00e9 by v\u00e1m br\u00e1nily ve spl\u00e1cen\u00ed, v\u00e1s m\u016f\u017ee ochr\u00e1nit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a>. V p\u0159\u00edpad\u011b, \u017ee v\u00e1s potk\u00e1 z\u00e1va\u017en\u00e1 nemoc nebo t\u011b\u017ek\u00fd \u00faraz, v\u00e1m pojistka m\u016f\u017ee pomoci uhradit zv\u00fd\u0161en\u00e9 \u017eivotn\u00ed n\u00e1klady, kompenza\u010dn\u00ed pom\u016fcky a p\u0159\u00edpadn\u011b i doplatit dluh.<\/p>\n\n\n\n

Tip RIXO.cz: Chra\u0148te svou investici havarijkem. S havarijn\u00edm poji\u0161t\u011bn\u00edm budete m\u00edt jistotu, \u017ee nebudete spl\u00e1cet \u00fav\u011br za \u201cnic\u201d, kdy\u017e bude va\u0161e auto na odpis d\u0159\u00edve, ne\u017e \u010dek\u00e1te. T\u0159eba kv\u016fli \u017eiveln\u00ed katastrof\u011b, zavin\u011bn\u00e9 hav\u00e1rii nebo odcizen\u00ed. Srovnejte si nab\u00eddky poji\u0161\u0165oven a najd\u011bte to nejv\u00fdhodn\u011bj\u0161\u00ed havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a> v pohodl\u00ed domova za p\u00e1r minut. <\/p>\n\n\n\n

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Srovnat havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a><\/div>\n<\/div>\n\n\n\n

P\u016fj\u010dka na auto: Podle \u010deho vyb\u00edrat?<\/h2>\n\n\n\n

V\u00fdb\u011br toho prav\u00e9ho \u00fav\u011bru neberte na lehkou v\u00e1hu. Z l\u00e1kav\u00e9 nab\u00eddky se m\u016f\u017ee v pr\u016fb\u011bhu spl\u00e1cen\u00ed vyklubat p\u011bkn\u011b nev\u00fdhodn\u00e1 p\u016fj\u010dka. Jak a kde si p\u016fj\u010dit bezpe\u010dn\u011b? Porad\u00edme!<\/p>\n\n\n\n

Jak\u00e9 ukazatele p\u0159i v\u00fdb\u011bru \u00fav\u011bru sledovat<\/h3>\n\n\n\n

U jednotliv\u00fdch nab\u00eddek p\u016fj\u010dek se zam\u011b\u0159te na n\u011bkolik hlavn\u00edch informac\u00ed. Zaj\u00edmat by v\u00e1s m\u011bla nejen \u00farokov\u00e1 sazba<\/strong>, ale tak\u00e9 v\u00fd\u0161e RPSN<\/strong>, poplatky, d\u00e9lka spl\u00e1cen\u00ed<\/strong> nebo v\u00fd\u0161e spl\u00e1tek<\/strong>. \u010c\u00edm ni\u017e\u0161\u00ed \u00farok a men\u0161\u00ed rozd\u00edl mezi RPSN a \u00farokovou sazbou, t\u00edm l\u00e9pe. Seznamte se tak\u00e9 se sankcemi za prodlen\u00ed<\/strong> nebo mo\u017enostmi odkladu<\/strong> spl\u00e1tek. V\u0161echny tyto podm\u00ednky v\u00e1m prozrad\u00ed, jestli jde o f\u00e9rovou p\u016fj\u010dku. <\/p>\n\n\n\n

P\u016fj\u010dka z autosalonu nebo bazaru? Rad\u011bji opatrn\u011b<\/h3>\n\n\n\n

\u0160li jste okouknout auto do salonu nebo bazaru? Mo\u017en\u00e1 v\u00e1s u\u017e prodejce nal\u00e1kal na auto na \u00fav\u011br se slevou<\/strong>. Skv\u011bl\u00e1 p\u0159\u00edle\u017eitost? Ne v\u017edy. N\u011bkdy se toti\u017e st\u00e1v\u00e1, \u017ee v\u00e1m sice n\u011bkolik des\u00edtek tis\u00edc z kupn\u00ed ceny<\/strong> auta prodejci ode\u010dtou<\/strong>, zato v\u0161ak o to v\u00edce vyd\u011blaj\u00ed<\/strong> na samotn\u00e9m \u00fav\u011bru<\/strong>. Nev\u00fdhodn\u00fd \u00fav\u011br prozrad\u00ed vysok\u00e1 \u00farokov\u00e1 sazba, \u201castronomicky vysok\u00e9\u201d RPSN i kr\u00e1tk\u00e1 doba spl\u00e1cen\u00ed. P\u0159ed podpisem rozhodn\u011b nepodce\u0148ujte sezn\u00e1men\u00ed se s kompletn\u00edmi podm\u00ednkami <\/strong>\u00fav\u011bru. <\/p>\n\n\n\n

\"P\u016fj\u010dka<\/figure>\n\n\n\n

Vyberte prov\u011b\u0159en\u00e9ho poskytovatele<\/h3>\n\n\n\n

Va\u0161e prvn\u00ed kroky p\u0159ed sjedn\u00e1n\u00edm \u00fav\u011bru by m\u011bly v\u017edy sm\u011b\u0159ovat do banky. Neznamen\u00e1 to, \u017ee mus\u00edte b\u011bhat po pobo\u010dk\u00e1ch, v\u0161e u\u017e v dne\u0161n\u00ed dob\u011b za\u0159\u00edd\u00edte online z pohodl\u00ed domova. Banka a d\u016fv\u011bryhodn\u00e1 nebankovn\u00ed spole\u010dnost v\u00e1m zpravidla dok\u00e1\u017ee zajistit v\u00fdhodn\u00e9 podm\u00ednky, ov\u0161em dob\u0159e si v\u00e1s p\u0159edt\u00edm prov\u011b\u0159\u00ed. <\/p>\n\n\n\n

Oproti tomu n\u011bkter\u00e9 nebankovn\u00ed spole\u010dnosti, kter\u00e9 rozd\u00e1vaj\u00ed p\u016fj\u010dky \u201cna potk\u00e1n\u00ed\u201d, si obvykle na klientech obrazn\u011b \u0159e\u010deno namast\u00ed kapsu. Jak se tedy na trhu \u00fav\u011br\u016f orientovat a poznat nef\u00e9rovou nebankovku? T\u0159eba pomoc\u00ed Indexu odpov\u011bdn\u00e9ho \u00fav\u011brov\u00e1n\u00ed<\/a><\/strong> organizace \u010clov\u011bk v t\u00edsni, <\/strong>ze kter\u00e9ho vych\u00e1z\u00ed i srovn\u00e1n\u00ed p\u016fj\u010dek<\/a> na RIXO.cz.<\/p>\n\n\n\n

Srovn\u00e1vejte p\u016fj\u010dky mezi sebou<\/h3>\n\n\n\n

Podm\u00ednky p\u016fj\u010dek se neust\u00e1le m\u011bn\u00ed a co bylo v\u00fdhodn\u00e9 v\u010dera, nemus\u00ed b\u00fdt v\u00fdhodn\u00e9 dnes. Chcete m\u00edt okam\u017eit\u00fd p\u0159ehled o nejv\u00fdhodn\u011bj\u0161\u00edch nab\u00eddk\u00e1ch? Kdykoliv si m\u016f\u017eete p\u016fj\u010dky online srovnat<\/strong>. Ve srovn\u00e1n\u00ed na RIXO.cz uvid\u00edte jen nab\u00eddky f\u00e9rov\u00fdch<\/strong> bank a nebankovn\u00edch spole\u010dnost\u00ed, kter\u00e9 jsou prov\u011b\u0159en\u00e9 Indexem odpov\u011bdn\u00e9ho \u00fav\u011brov\u00e1n\u00ed. Nez\u00e1vazn\u00e9 srovn\u00e1n\u00ed bez zad\u00e1v\u00e1n\u00ed <\/strong>zbyte\u010dn\u00fdch \u00fadaj\u016f i nahl\u00ed\u017een\u00ed do registr\u016f<\/strong> v\u00e1m zabere jen minutku. <\/p>\n\n\n\n

\n
Srovnat f\u00e9rov\u00e9 p\u016fj\u010dky<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

P\u0159em\u00fd\u0161l\u00edte o po\u0159\u00edzen\u00ed nov\u00e9ho auta? A\u0165 u\u017e si d\u011bl\u00e1te z\u00e1lusk na nejnov\u011bj\u0161\u00ed model nebo ojetinu, seznamte se nejprve s mo\u017enostmi jeho financov\u00e1n\u00ed. Provedeme v\u00e1s v\u00fdhodami po\u0159\u00edzen\u00ed auta na \u00fav\u011br a porad\u00edme, na co se soust\u0159edit. P\u016fj\u010dka na auto v\u00e1s nemus\u00ed v\u017edy vyj\u00edt draho.<\/p>\n","protected":false},"author":11,"featured_media":2135,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[14],"tags":[55],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2133"}],"collection":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/comments?post=2133"}],"version-history":[{"count":4,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2133\/revisions"}],"predecessor-version":[{"id":2139,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/posts\/2133\/revisions\/2139"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media\/2135"}],"wp:attachment":[{"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/media?parent=2133"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/categories?post=2133"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rixo.cz\/blog\/wp-json\/wp\/v2\/tags?post=2133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}