{"id":11138,"date":"2020-06-24T16:15:31","date_gmt":"2020-06-24T14:15:31","guid":{"rendered":"https:\/\/financer.sk\/?page_id=11138"},"modified":"2024-09-30T13:51:13","modified_gmt":"2024-09-30T11:51:13","slug":"pozicka-na-auto-alebo-leasing","status":"publish","type":"page","link":"https:\/\/financer.sk\/pozicky\/pozicka-na-auto-alebo-leasing\/","title":{"rendered":"P\u00f4\u017ei\u010dka na auto alebo leasing?"},"content":{"rendered":"\n

Leasing verzus p\u00f4\u017ei\u010dka na auto: Porovnali sme za v\u00e1s, \u010do sa viac oplat\u00ed<\/strong><\/p>\n\n\n\n

Zva\u017eujete k\u00fapu nov\u00e9ho automobilu na spl\u00e1tky, no nie ste si ist\u00ed, ktor\u00fd sp\u00f4sob financovania pre v\u00e1s bude najv\u00fdhodnej\u0161\u00ed? Mo\u017enost\u00ed m\u00e1te viacero a\u00a0z\u00e1le\u017ea\u0165 bude aj na va\u0161ej aktu\u00e1lnej situ\u00e1cii.<\/p>\n\n\n\n

Ak nepatr\u00edte k\u00a0skupine \u013eud\u00ed, ktor\u00ed si m\u00f4\u017eu k\u00fapu nov\u00e9ho auta dovoli\u0165 financova\u0165 v\u00a0hotovosti, budete pri nedostatku finan\u010dn\u00fdch prostriedkov v\u00a0plnej sume uva\u017eova\u0165 o\u00a0k\u00fape na spl\u00e1tky. <\/p>\n\n\n\n

\u010ci u\u017e uva\u017eujete nad k\u00fapou nov\u00e9ho alebo ojazden\u00e9ho<\/strong>, v\u017edy je dobr\u00e9 ma\u0165 nejak\u00fa \u010das\u0165 kone\u010dnej sumy u\u017e vopred na\u0161etren\u00fa.<\/p>\n\n\n

<\/div>

Sp\u00f4sobov, ktor\u00e9 si pri financovan\u00ed m\u00f4\u017eete zvoli\u0165, je viac. V\u00a0z\u00e1sade sa ale stret\u00e1vame s\u00a0dvomi najvyu\u017e\u00edvanej\u0161\u00edmi, ktor\u00fdmi s\u00fa spotrebn\u00fd \u00faver a finan\u010dn\u00fd leasing<\/strong>.\u00a0<\/p><\/div>\n\n\n

Spotrebn\u00fd \u00faver<\/a> je p\u00f4\u017ei\u010dka od bankov\u00e9ho ale aj nebankov\u00e9ho subjektu, ktor\u00fd m\u00f4\u017eete vyu\u017ei\u0165 prakticky na financovanie \u010dohoko\u013evek. <\/p>\n\n\n\n

Finan\u010dn\u00fd leasing<\/a> m\u00f4\u017eete naopak vyu\u017ei\u0165 na vopred dohodnut\u00e9 vozidlo, ktor\u00e9 spl\u00e1cate konkr\u00e9tnej leasingovej spolo\u010dnosti.<\/p>\n\n\n\n

Z\u00e1kladn\u00e9 rozdiely<\/h2>\n\n\n\n

Finan\u010dn\u00fd leasing a\u00a0p\u00f4\u017ei\u010dka na auto<\/a> sa m\u00f4\u017eu javi\u0165 podobne, obe z\u00a0nich v\u0161ak sprev\u00e1dzaj\u00fa z\u00e1sadn\u00e9 rozdiely.<\/p>\n\n\n\n

Ich vyu\u017e\u00edvanie je pritom na ve\u013emi podobn\u00fdch hodnot\u00e1ch, zatia\u013e \u010do financovanie na leasing vol\u00ed pribli\u017ene 47 % \u013eud\u00ed, spotrebn\u00fd \u00faver 39 %.<\/strong>\u00a0<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Rozdielov je viac, od zlo\u017eitosti vybavenia a\u00a0schv\u00e1lenia, cez vlastn\u00edctvo vozidla po\u010das doby jeho spl\u00e1cania, mo\u017enosti pred\u010dasn\u00e9ho splatenia zapo\u017ei\u010danej sumy, a\u017e po celkov\u00fa zaplaten\u00fa sumu po ukon\u010den\u00ed platobn\u00e9ho obdobia.<\/p>\n\n\n\n

Najpodstatnej\u0161\u00edm rozdielom pri k\u00fape nov\u00e9ho automobilu je, \u017ee pri leasingu si vozidlo od leasingovej spolo\u010dnosti prenaj\u00edmate za ur\u010dit\u00e9 pravideln\u00e9 a\u00a0vopred dohodnut\u00e9 spl\u00e1tky<\/strong>.\u00a0<\/p>\n\n\n\n

Pri p\u00f4\u017ei\u010dke, si naopak po\u017ei\u010diavate obnos financi\u00ed<\/strong>, za ktor\u00fd si zvolen\u00e9 auto k\u00fapite a\u00a0po\u017ei\u010dan\u00fa sumu n\u00e1sledne spl\u00e1cate.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Akont\u00e1cia pri prevzat\u00ed vozidla<\/h3>\n\n\n\n

Pri spotrebnom \u00favere ju potrebova\u0165 nebudete, zatia\u013e \u010do pri leasingu \u00e1no. Jej minim\u00e1lna v\u00fd\u0161ka sa pohybuje v\u00a0rozmedz\u00ed od 25 do 37% z\u00a0celkovej k\u00fapnej sumy vozidla<\/strong>. M\u00f4\u017eete si ju v\u0161ak nastavi\u0165 aj vy\u0161\u0161ie a\u00a0\u010d\u00edm v\u00e4\u010d\u0161iu akont\u00e1ciu na za\u010diatku zaplat\u00edte, t\u00fdm bude po\u017ei\u010dan\u00e1 suma spolu s\u00a0\u00farokmi ni\u017e\u0161ia.<\/p>\n\n\n\n

Akont\u00e1ciu m\u00f4\u017eeme vn\u00edma\u0165 aj ako prv\u00fa, mimoriadnu spl\u00e1tku na za\u010diatku spl\u00e1cania za nov\u00e9 auto<\/strong>.\u00a0Ako nov\u00e9ho vlastn\u00edka v\u00e1s vo\u010di leasingovej spolo\u010dnosti zav\u00e4zuje disponova\u0165 aspo\u0148 nejakou hotovos\u0165ou. <\/p>\n\n\n\n

Pri p\u00f4\u017ei\u010dke akont\u00e1cia vy\u017eadovan\u00e1 nie je<\/strong>, no v\u00a0pr\u00edpade, \u017ee je v\u00e1\u0161 mesa\u010dn\u00fd pr\u00edjem ni\u017e\u0161\u00ed ako bude pri \u017eiadosti po\u017eadovan\u00e9, budete ako z\u00e1ruku za v\u00e1\u0161 \u00faver potrebova\u0165 ru\u010dite\u013ea, pr\u00edpadne in\u00fd majetok, ktor\u00fdm sa m\u00f4\u017eete zaru\u010di\u0165.<\/p>\n\n\n\n

Vlastn\u00edctvo po\u010das spl\u00e1cania<\/h3>\n\n\n\n

Pri spotrebite\u013eskom \u00favere si po\u017ei\u010diavate peniaze, ktor\u00e9 nesk\u00f4r vyu\u017eijete na k\u00fapu automobilu. Peniaze v\u00e1m pr\u00eddu na \u00fa\u010det a\u00a0k\u00fapu realizujete a\u017e nesk\u00f4r. To znamen\u00e1, \u017ee majite\u013eom vozidla ste po jeho k\u00fape vy.<\/strong><\/p>\n\n\n\n

Pri leasingu je ale majite\u013eom po cel\u00fa dobu spl\u00e1cania leasingov\u00e1 spolo\u010dnos\u0165, od ktorej si ho po cel\u00fa dobu prenaj\u00edmate. Po zaplaten\u00ed v\u0161etk\u00fdch spl\u00e1tok v\u00e1m ho odpred\u00e1 za symbolick\u00fa \u010diastku<\/strong>. V\u00a0praxi to znamen\u00e1, \u017ee po\u010das celej doby nebudete majite\u013eom vozidla vy, ale spolo\u010dnos\u0165, ktor\u00e1 v\u00e1m ho zapo\u017ei\u010diava.<\/p>\n\n\n\n

Z\u00a0toho vypl\u00fdvaj\u00fa aj \u010fal\u0161ie fakty, ako napr\u00edklad predaj vozidla po\u010das doby spl\u00e1cania. Pri financovan\u00ed cez spotrebn\u00fd \u00faver sa bude realizova\u0165 jednoduch\u0161ie<\/strong>. V\u00a0pr\u00edpade odst\u00fapenia od leasingu na v\u00e1s bud\u00fa \u010daka\u0165 poplatky za pred\u010dasn\u00e9 ukon\u010denie a\u00a0pr\u00edpadn\u00fd predaj vozidla sa predra\u017e\u00ed.<\/p>\n\n\n\n

Leasing<\/h2>\n\n\n\n

Pozreli sme sa na v\u00fdhody a nev\u00fdhody leasingu a p\u00f4\u017ei\u010dky na auto.<\/p>\n\n\n\n