{"id":218,"date":"2017-10-21T10:40:05","date_gmt":"2017-10-21T08:40:05","guid":{"rendered":"https:\/\/financera.cz\/?page_id=218"},"modified":"2024-10-29T07:09:44","modified_gmt":"2024-10-29T06:09:44","slug":"pujcka-na-auto","status":"publish","type":"page","link":"https:\/\/financera.cz\/pujcky\/pujcka-na-auto\/","title":{"rendered":"P\u016fj\u010dka na auto"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"Pjka_na_auto\">P\u016fj\u010dka na auto<\/h2>\n\n\n\n<p>Mluv\u00edme o autop\u016fj\u010dce, tedy p\u016fj\u010dce\u00a0<strong>ur\u010den\u00e9 ke koupi auta<\/strong>. Obvykle se jedn\u00e1 o nezaji\u0161t\u011bn\u00fd nebo zaji\u0161t\u011bn\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/p>\n\n\n\n<p>Ve srovn\u00e1n\u00ed s leasingem se jedn\u00e1 o<strong>\u00a0levn\u011bj\u0161\u00ed variantu<\/strong>, a nav\u00edc auto je ihned va\u0161e. Z\u00e1rove\u0148 si m\u016f\u017eete jednodu\u0161e<strong>\u00a0zvolit vlastn\u00ed dobu spl\u00e1cen\u00ed<\/strong>. Pohodln\u011b si tak nastav\u00edte m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky tak, aby p\u0159\u00edli\u0161 nezat\u011b\u017eovaly v\u00e1\u0161 osobn\u00ed\u00a0<a href=\"https:\/\/financera.cz\/osobni-finance\/financni-gramotnost\/rodinny-rozpocet\/\">rozpo\u010det<\/a>.<\/p>\n\n\n\n<p>Kdy\u017e si sjedn\u00e1te vlastn\u00ed spot\u0159ebitelsk\u00fd\u00a0<a href=\"https:\/\/financera.cz\/pujcky\/spotrebitelsky-uver\/\">\u00fav\u011br<\/a>\u00a0p\u0159edem,\u00a0<strong>m\u00e1te kontrolu nad podm\u00ednkami \u00fav\u011bru<\/strong>\u00a0a sn\u00e1ze se v\u00e1m bude p\u0159ed\u010dasn\u011b dopl\u00e1cet nebo pos\u00edlat\u00a0<a href=\"https:\/\/financera.cz\/wiki\/predcasne-splaceni\/\">mimo\u0159\u00e1dn\u00e9 spl\u00e1tky.<\/a><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><h3 id=\"Pjka_na_auto___vhody\">P\u016fj\u010dka na auto &#8211; v\u00fdhody<\/h3><ul>\n<li>\n<p>\u00dav\u011br na auto v\u00e1m \u0161et\u0159\u00ed pen\u00edze<\/p>\n<\/li>\n<li>\n<p>Rychle se sjedn\u00e1v\u00e1<\/p>\n<\/li>\n<li>\n<p>M\u00e1te p\u0159edem dan\u00e9 jasn\u00e9 podm\u00ednky<\/p>\n<\/li>\n<li>\n<p>Nejste ni\u010d\u00edm limitovan\u00ed<\/p>\n<\/li>\n<\/ul><\/div>\n\n\n<p>Co se t\u00fdk\u00e1\u00a0<strong>poji\u0161t\u011bn\u00ed<\/strong>, u spot\u0159ebitelsk\u00e9ho \u00fav\u011bru si ho sjedn\u00e1v\u00e1te sami. To m\u016f\u017ee b\u00fdt v\u00fdhodn\u00e9, pokud hled\u00e1te a naleznete kvalitn\u00ed poji\u0161t\u011bn\u00ed vozidla na \u010desk\u00e9m trhu.<\/p>\n\n\n\n<p>Nemus\u00ed nutn\u011b j\u00edt pouze o povinn\u00e9 ru\u010den\u00ed, pop\u0159\u00edpad\u011b havarijn\u00ed poji\u0161t\u011bn\u00ed. Na trhu existuj\u00ed i dal\u0161\u00ed produkty v podob\u011b\u00a0<strong>p\u0159ipoji\u0161t\u011bn\u00ed<\/strong>, kter\u00e9 chr\u00e1n\u00ed va\u0161i investici do nov\u00e9ho vozidla.<\/p>\n\n\n\n<p>Ve Financera.cz jsme\u00a0<strong>problematiku poji\u0161t\u011bn\u00ed<\/strong>\u00a0vozidel nastudovali za v\u00e1s. Podrobn\u00e9 informace, vysv\u011btlen\u00ed naleznete\u00a0<a href=\"https:\/\/financera.cz\/pojisteni\/povinne-ruceni\/\">zde<\/a>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box company\"><div class=\"fn_block__icon\"><\/div><h3>Nejlep\u0161\u00ed p\u016fj\u010dky 2025<\/h3><ul>\n<li><strong>P\u016fj\u010dka s nejlep\u0161\u00edm hodnocen\u00edm<\/strong>: <a href=\"https:\/\/financera.cz\/spolecnost\/kamali\/\">Kamali<\/a><\/li>\n<li><strong>Nejlep\u0161\u00ed p\u016fj\u010dka od lid\u00ed pro lidi<\/strong>: <a href=\"https:\/\/financera.cz\/spolecnost\/zonky\/\">Zonky<\/a><\/li>\n<li><strong>Nejv\u00fdhodn\u011bj\u0161\u00ed prvn\u00ed p\u016fj\u010dka zdarma<\/strong>: <a href=\"https:\/\/financera.cz\/spolecnost\/zaplo\/\">Zaplo<\/a><\/li>\n<li><strong>Nejlep\u0161\u00ed srovn\u00e1va\u010d p\u016fj\u010dek<\/strong>: <a href=\"https:\/\/financera.cz\/spolecnost\/chytra-pujcka\/\">Chytr\u00e1 p\u016fj\u010dka<\/a><\/li>\n<li><strong>Nejlep\u0161\u00ed flexibiln\u00ed p\u016fj\u010dka:\u00a0<\/strong><a href=\"https:\/\/financera.cz\/spolecnost\/ferratum\/\">Ferratum<\/a><\/li>\n<\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Jak_si_pjit_na_auto\">Jak si p\u016fj\u010dit na auto<\/h2>\n\n\n\n<p><strong>Chcete si splnit sv\u016fj sen\u00a0<\/strong>a po\u0159\u00eddit nov\u00e9 auto? P\u0159\u00edpadn\u011b jste se se sv\u00fdm star\u00fdm dostali do situace, kdy jsou zapot\u0159eb\u00ed neust\u00e1l\u00e9 opravy?<\/p>\n\n\n\n<p>V ka\u017ed\u00e9m p\u0159\u00edpad\u011b pokud zva\u017eujete koupi nov\u00e9ho vozidla, p\u0159\u00edpadn\u011b jste si u\u017e i odlo\u017eili n\u011bjak\u00e9 pen\u00edze, nicm\u00e9n\u011b st\u00e1le v\u00e1m<strong>\u00a0ur\u010dit\u00e1 \u010d\u00e1stka chyb\u00ed<\/strong>, m\u00e1te na v\u00fdb\u011br z n\u00e1sleduj\u00edc\u00edch mo\u017enost\u00ed:<\/p>\n\n\n\n<ul>\n<li>P\u016fj\u010dka na auto<\/li>\n\n\n\n<li>Leasing<\/li>\n\n\n\n<li>Operativn\u00ed leasing<\/li>\n<\/ul>\n\n\n\n<p>Kterou mo\u017enost si nakonec vyberete z\u00e1le\u017e\u00ed na v\u00e1s. S\u00a0<strong>leasingem nem\u00e1te sice a\u017e tolik starost\u00ed<\/strong>, ale celkov\u011b v\u00e1s vyjde mnohem dr\u00e1\u017e.\u00a0<strong>P\u016fj\u010dka na auto v\u00e1s vyjde mnohem levn\u011bj<\/strong>i a sami si nastav\u00edte podm\u00ednky, ale na druhou stranu si v\u0161e vy\u0159izujete sami.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>A\u0165 u\u017e se ale rozhodnete jakkoli, u n\u00e1s si m\u016f\u017eete porovnat r\u016fzn\u00e9 nab\u00eddky autop\u016fj\u010dek \u010desk\u00fdch spole\u010dnost\u00ed \u2013 v sou\u010dasnosti porovn\u00e1v\u00e1me mnoho bankovn\u00edch i\u00a0<a href=\"https:\/\/financera.cz\/pujcky\/nebankovni\/\">nebankovn\u00edch p\u016fj\u010dek<\/a>.<\/p><\/div>\n\n\n\t\t<div id=\"genericloan_0_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg1\"><h3>Porovn\u00e1vejte p\u016fj\u010dky od 41 poskytovatel\u016f p\u016fj\u010dek<\/h3><p>Najd\u011bte nejv\u00fdhodn\u011bj\u0161\u00ed nab\u00eddku jedn\u00edm kliknut\u00edm<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"10000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financera.cz\/vysledky?query=1&non_affiliate=true&param_amount=10000&param_period=60\" data-slider-url=\"https:\/\/financera.cz\/vysledky?query=1&non_affiliate=true&param_amount=10000&param_period=60\" data-required=\"vysledky?query=1non_affiliate=true&param_amount=10000&param_period=60&\" class=\"get_results compare button is-primary is-medium is-rounded\">Porovnat nab\u00eddky<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Spotebitelsk_vr_na_auto___vhody_a_nevhody\">Spot\u0159ebitelsk\u00fd \u00fav\u011br na auto &#8211; v\u00fdhody a nev\u00fdhody<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Spotebitelsk_vr_na_auto_vhody\">Spot\u0159ebitelsk\u00fd \u00fav\u011br na auto v\u00fdhody<\/h3><li><p>Proto\u017ee zaplat\u00edte rovnou p\u0159i podpisu, je auto ihned va\u0161e<\/p>\n<\/li><li><p>Auto m\u00e1te mo\u017enost kdykoli prodat a \u00fav\u011br p\u0159ed\u010dasn\u011b doplatit<\/p>\n<\/li><li><p>Spot\u0159ebitelsk\u00fd \u00fav\u011br obvykle vych\u00e1z\u00ed levn\u011bj\u0161\u00ed ne\u017e leasing<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Spotebitelsk_vr_na_auto_nevhody\">Spot\u0159ebitelsk\u00fd \u00fav\u011br na auto nev\u00fdhody<\/h3><li><p>P\u0159i \u017e\u00e1dosti se bude v\u00edce prov\u011b\u0159ovat va\u0161e \u00fav\u011bruschopnost<\/p>\n<\/li><li><p>\u00dav\u011br, v\u00fdb\u011br vozidla i jeho koupi si vy\u0159izujete sami<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>V porovn\u00e1n\u00ed p\u016fj\u010dek na auto maj\u00ed nejlep\u0161\u00ed podm\u00ednky tyto spole\u010dnosti:<\/p>\n\n\n<div class=\"fn_block fn-comparison-table\">                                    <h3 class=\"comparison-table__title-main\">P\u016fj\u010dky na auto &#8211; srovn\u00e1n\u00ed 2025<\/h3>\n                                            <div class=\"comparison-table__binder\">\n                <div class=\"comparison-table__dots is-hidden-tablet\">\n                    <div class=\"comparison-table__dot comparison-table__dot--big\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                    <div class=\"comparison-table__dot\"><\/div>\n                <\/div>\n                <div class=\"comparison-table__relative is-content\">\n                    <div class=\"comparison-table__scroll is-content\">\n                        <table class=\"comparison-table is-content\" js-data-comparison-table=\"\"\n                               js-data-affiliate-on-top=\"false\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Spole\u010dnost                                        <\/span>\n                                    <\/th>\n                                    \n                                    <th> <span data-sorting=\"lowest-annual-interest-rate\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Nejni\u017e\u0161\u00ed RPSN\">Nejni\u017e\u0161\u00ed RPSN<\/span><\/th><th> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"\u010c\u00e1stka p\u016fj\u010dky\">\u010c\u00e1stka p\u016fj\u010dky<\/span><\/th><th> <span data-sorting=\"loan-period-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Term\u00ednovan\u00fd \u00fav\u011br\">Term\u00ednovan\u00fd \u00fav\u011br<\/span><\/th><th> <span data-sorting=\"free-early-payback\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Bezplatn\u00e9 p\u0159ed\u010dasn\u00e9 splacen\u00ed\">Bezplatn\u00e9 p\u0159ed\u010dasn\u00e9 spl&#8230;<\/span><\/th>                                    <th>\n                                        <span data-sorting=\"affiliate\" class=\"comparison-table__title comparison-table__title--button\">\n                                                                                    <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Raiffeisenbank\"\n                data-product-id=\"724\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"724\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/redirect\/\">\n                    <img decoding=\"async\" title=\"Raiffeisenbank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/06\/rb-logo.jpg\" alt=\"Raiffeisenbank\">\n                <\/a><\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"4.80\">4,80% <\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"5000.00\">5&nbsp;000 K\u010d &#8211; 1&nbsp;200&nbsp;000 K\u010d<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"90\">3 m\u011bs\u00edce(\u016f) &#8211; 10 let<\/td><td data-sorting=\"free-early-payback\" data-sorting-value=\"Ano\">Ano<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"724\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Komer\u010dn\u00ed banka\"\n                data-product-id=\"348\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"348\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/komercni-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Komer\u010dn\u00ed banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/08\/komercni-banka-logo.jpg\" alt=\"Komer\u010dn\u00ed banka\">\n                <\/a><\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"4.50\">4,50% <\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"10000.00\">10&nbsp;000 K\u010d &#8211; 2&nbsp;500&nbsp;000 K\u010d<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"180\">6 m\u011bs\u00edce(\u016f) &#8211; 8 let<\/td><td data-sorting=\"free-early-payback\" data-sorting-value=\"Ano\">Ano<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/komercni-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"348\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zonky\"\n                data-product-id=\"1715\">\n                <span class=\"search-card__featured\">doporu\u010deno<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1715\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/zonky\/redirect\/\">\n                    <img decoding=\"async\" title=\"Zonky\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2017\/11\/untitled-project-2.jpg\" alt=\"Zonky\">\n                <\/a><\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"5.02\">5,02% <\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"5000.00\">5&nbsp;000 K\u010d &#8211; 1&nbsp;500&nbsp;000 K\u010d<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 10 let<\/td><td data-sorting=\"free-early-payback\" data-sorting-value=\"Ne\">Ne<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/zonky\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1715\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                    <\/div>\n                                            <table class=\"comparison-table comparison-table--content-logo is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>\n                                        <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                            Spole\u010dnost                                        <\/span>\n                                    <\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Raiffeisenbank\"\n                data-product-id=\"724\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"724\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/redirect\/\">\n                    <img decoding=\"async\" title=\"Raiffeisenbank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/06\/rb-logo.jpg\" alt=\"Raiffeisenbank\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Komer\u010dn\u00ed banka\"\n                data-product-id=\"348\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"348\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/komercni-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Komer\u010dn\u00ed banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/08\/komercni-banka-logo.jpg\" alt=\"Komer\u010dn\u00ed banka\">\n                <\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zonky\"\n                data-product-id=\"1715\">\n                <span class=\"search-card__featured\">doporu\u010deno<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1715\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/zonky\/redirect\/\">\n                    <img decoding=\"async\" title=\"Zonky\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2017\/11\/untitled-project-2.jpg\" alt=\"Zonky\">\n                <\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                        <table class=\"comparison-table comparison-table--content-button is-hidden-mobile\">\n                            <thead>\n                                <tr>\n                                    <th>Za\u010d\u00edn\u00e1me<\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"724\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/komercni-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"348\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/zonky\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1715\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr>                            <\/tbody>\n                        <\/table>\n                                        <table class=\"comparison-table comparison-table--mobile is-content is-hidden-tablet\"\n                           js-data-comparison-table=\"\" js-data-affiliate-on-top=\"false\">\n                        <thead>\n                            <tr>\n                                <th style=\"width: 125px\">\n                                    <span data-sorting=\"logo\"  data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Spole\u010dnost                                    <\/span>\n                                <\/th>\n                                <th>\n                                    <span data-sorting=\"rating\" data-sorting-type=\"asc\" class=\"comparison-table__title\">\n                                        Celkov\u00e9 hodnocen\u00ed                                    <\/span>\n                                <\/th>\n                                <th> <span data-sorting=\"lowest-annual-interest-rate\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Nejni\u017e\u0161\u00ed RPSN\">Nejni\u017e\u0161\u00ed RPSN<\/span><\/th><th> <span data-sorting=\"loan-amount-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"\u010c\u00e1stka p\u016fj\u010dky\">\u010c\u00e1stka p\u016fj\u010dky<\/span><\/th><th> <span data-sorting=\"loan-period-range\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Term\u00ednovan\u00fd \u00fav\u011br\">Term\u00ednovan\u00fd \u00fav\u011br<\/span><\/th><th> <span data-sorting=\"free-early-payback\" data-sorting-type=\"asc\" \n                    class=\"comparison-table__title\"\n                    title=\"Bezplatn\u00e9 p\u0159ed\u010dasn\u00e9 splacen\u00ed\">Bezplatn\u00e9 p\u0159ed\u010dasn\u00e9 spl&#8230;<\/span><\/th>                                <th>Za\u010d\u00edn\u00e1me                                <\/th>\n                            <\/tr>\n                        <\/thead>\n                        <tbody>\n                            <tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Raiffeisenbank\"\n                data-product-id=\"724\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"724\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/redirect\/\">\n                    <img decoding=\"async\" title=\"Raiffeisenbank\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/06\/rb-logo.jpg\" alt=\"Raiffeisenbank\">\n                <\/a><\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"4.80\">4,80% <\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"5000.00\">5&nbsp;000 K\u010d &#8211; 1&nbsp;200&nbsp;000 K\u010d<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"90\">3 m\u011bs\u00edce(\u016f) &#8211; 10 let<\/td><td data-sorting=\"free-early-payback\" data-sorting-value=\"Ano\">Ano<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"724\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Komer\u010dn\u00ed banka\"\n                data-product-id=\"348\">\n                \n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"348\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/komercni-banka\/redirect\/\">\n                    <img decoding=\"async\" title=\"Komer\u010dn\u00ed banka\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/08\/komercni-banka-logo.jpg\" alt=\"Komer\u010dn\u00ed banka\">\n                <\/a><\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"4.50\">4,50% <\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"10000.00\">10&nbsp;000 K\u010d &#8211; 2&nbsp;500&nbsp;000 K\u010d<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"180\">6 m\u011bs\u00edce(\u016f) &#8211; 8 let<\/td><td data-sorting=\"free-early-payback\" data-sorting-value=\"Ano\">Ano<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/komercni-banka\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"348\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr><tr class=\"comparison-table__row\"  data-columns=\"7\"><td class=\"comparison-table__logo\" data-sorting=\"logo\" data-sorting-value=\"Zonky\"\n                data-product-id=\"1715\">\n                <span class=\"search-card__featured\">doporu\u010deno<\/span>\n                <a target=\"_blank\"  data-url_param_unq=\"\"  data-url_param_pid=\"1715\"  rel=\"sponsored nofollow\"  href=\"https:\/\/financera.cz\/spolecnost\/zonky\/redirect\/\">\n                    <img decoding=\"async\" title=\"Zonky\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2017\/11\/untitled-project-2.jpg\" alt=\"Zonky\">\n                <\/a><\/td><td data-sorting=\"lowest-annual-interest-rate\" data-sorting-value=\"5.02\">5,02% <\/td><td data-sorting=\"loan-amount-range\" data-sorting-value=\"5000.00\">5&nbsp;000 K\u010d &#8211; 1&nbsp;500&nbsp;000 K\u010d<\/td><td data-sorting=\"loan-period-range\" data-sorting-value=\"360\">1 rok &#8211; 10 let<\/td><td data-sorting=\"free-early-payback\" data-sorting-value=\"Ne\">Ne<\/td><td data-sorting=\"affiliate\" data-sorting-value=\"1\"\n            js-data-comparison-table-button=\"\"><a target=\"_blank\"  rel=\"sponsored nofollow\" \n            href=\"https:\/\/financera.cz\/spolecnost\/zonky\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"1715\" \n            class=\"button is-rounded is-primary is-arrow comparison-table__button\" target=\"_blank\" >\n            Prohl\u00e9dnout si nab\u00eddku<\/a><\/td><\/tr>                        <\/tbody>\n                    <\/table>\n                <\/div>\n            <\/div>\n\n        <\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Leasing\">Leasing<\/h2>\n\n\n\n<p>Po\u0159\u00eddit si auto na leasing je vcelku\u00a0<strong>pohodln\u00e9 \u0159e\u0161en\u00ed.<\/strong>\u00a0Vozidlo v t\u00e9to form\u011b p\u016fj\u010dky slou\u017e\u00ed jako z\u00e1stava, a tak ani nen\u00ed natolik d\u016fle\u017eit\u00e9 prov\u011b\u0159ovat va\u0161i finan\u010dn\u00ed situaci.<\/p>\n\n\n\n<p>B\u011bhem p\u0159edem ur\u010den\u00e9 doby hrad\u00edte pravideln\u00e9\u00a0<strong>m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/strong>, a v nich u\u017e m\u00e1te zahrnut\u00e9 i\u00a0<a href=\"https:\/\/financera.cz\/pojisteni\/povinne-ruceni\/\">povinn\u00e9 ru\u010den\u00ed<\/a>\u00a0a\u00a0<a href=\"https:\/\/financera.cz\/pojisteni\/havarijni\/\">havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n\n\n\n<p><a href=\"https:\/\/financera.cz\/wiki\/leasing\/\">Leasing<\/a>\u00a0s sebou tak\u00e9 ale p\u0159in\u00e1\u0161\u00ed ur\u010dit\u00e9 nev\u00fdhody.\u00a0Ne\u017e toti\u017e dob\u011bhne smlouva, tak\u00a0<strong>jste jen n\u00e1jemcem vozidla.<\/strong>\u00a0Do va\u0161eho osobn\u00edho vlastnictv\u00ed p\u0159ejde a\u017e s posledn\u00ed spl\u00e1tkou.<\/p>\n\n\n\n<p>V d\u016fsledku toho, \u017ee je auto v pr\u016fb\u011bhu smlouvy majetkem leasingov\u00e9 spole\u010dnosti, v\u00e1s mohou<strong>\u00a0v p\u0159\u00edpad\u011b jej\u00edho krachu \u010dekat velk\u00e9 probl\u00e9my<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><p>B\u011bhem vy\u0159izov\u00e1n\u00ed v\u00e1s mohou n\u011bkdy \u010dekat i vysok\u00e9 poplatky za uzav\u0159en\u00ed smlouvy a pov\u011bt\u0161inou je\u0161t\u011b skl\u00e1d\u00e1te akontaci \u2013 \u010d\u00e1st ceny vozu tedy zaplat\u00edte p\u0159edem ze sv\u00e9ho.<\/p><\/div>\n\n\n<p>Mo\u017enost akontace v\u0161ak m\u016f\u017eeme vn\u00edmat tak\u00e9 jako v\u00fdhodu. \u010c\u00edm vy\u0161\u0161\u00ed je akontace, t\u00edm ni\u017e\u0161\u00ed je v z\u00e1v\u011bru<strong>\u00a0celkov\u00e9 proplacen\u00ed leasingu<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_items fields_containeris-hidden\"><div class=\"items-content__cards\"><div class=\"items-content__card \" data-header=\"1\"><div class=\"items-content__card-top\"><div class=\"items-content__card-left\"><a href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/\" class=\"items-content__card-logo \" ><img decoding=\"async\" width=\"360\" height=\"110\" src=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/06\/rb-logo.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/06\/rb-logo.jpg 360w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2016\/06\/rb-logo-300x92.jpg 300w\" sizes=\"(max-width: 360px) 100vw, 360px\" \/><\/a><span class=\"items-content__card-chosen\">Vybran\u00fd <strong>779<\/strong> kr\u00e1t<\/span><ul class=\"items-content__card-list\"><li >Stabiln\u00ed banka se siln\u00fdm z\u00e1zem\u00edm<\/li><li >\u0160irok\u00e1 nab\u00eddka produkt\u016f<\/li><li >U\u017eivatelsky p\u0159\u00edv\u011btiv\u00e9 internetov\u00e9 bankovnictv\u00ed<\/li><li >\u0160irok\u00e1 s\u00ed\u0165 pobo\u010dek a bankomat\u016f<\/li><\/ul><\/div><div class=\"items-content__card-datapoint-container\"><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span><span class=\"items-content__card-datapoint-value\">5000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Maxim\u00e1ln\u00ed v\u00fd\u0161e p\u016fj\u010dky<\/span><span class=\"items-content__card-datapoint-value\">1200000<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Nejni\u017e\u0161\u00ed RPSN<\/span><span class=\"items-content__card-datapoint-value\">4.80<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Nejvy\u0161\u0161\u00ed RPSN<\/span><span class=\"items-content__card-datapoint-value\">8.09<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minim\u00e1ln\u00ed d\u00e9lka spl\u00e1cen\u00ed<\/span><span class=\"items-content__card-datapoint-value\">3 m\u011bs\u00edce(\u016f)<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Maxim\u00e1ln\u00ed doba spl\u00e1cen\u00ed<\/span><span class=\"items-content__card-datapoint-value\">10 let<\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Akceptuje z\u00e1znamy v registrech<\/span><span class=\"items-content__card-datapoint-value\">Ne . <\/span><\/div><div class=\"items-content__card-datapoint\"><span class=\"items-content__card-datapoint-title\">Minim\u00e1ln\u00ed v\u011bk <\/span><span class=\"items-content__card-datapoint-value\">18<\/span><\/div><\/div><div class=\"items-content__card-right\"><a href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/redirect\/\" data-url_param_unq=\"\"  data-url_param_pid=\"724\" data-url_param_t=\"company_single\" class=\"button is-primary is-rounded is-arrow items-content__card-see-offer items-content__card-see-offer--\" target=\"_blank\" rel=\"sponsored nofollow\">Prohl\u00e9dnout si nab\u00eddku<\/a><a href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/\"  class=\"button is-rounded items-content__card-more-info\">V\u00edce informac\u00ed<\/a><a href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/#read-reviews\" class=\"simple-rating\"><div class=\"simple-rating__stars simple-rating__stars--right\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_half_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><img decoding=\"async\" src=\"https:\/\/financer.global\/app\/themes\/financer-v2\/assets\/images\/stars\/star_outline_rating_blue.svg\" alt=\"rating_blue\" style=\"width: 18px;\"><\/div><span class=\"simple-rating-value rating_red\" data-rating-value=\"0.8\">0.8<\/span><\/a><span class=\"items-content__card-reviews\"> Pro p\u0159e\u010dten\u00ed&nbsp;<a href=\"https:\/\/financera.cz\/spolecnost\/raiffeisenbank\/#read-reviews\">4<\/strong>&nbsp;hodnocen\u00ed<\/a><\/div><\/div><\/div><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody_leasingu\">V\u00fdhody a nev\u00fdhody leasingu<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Leasing_vhody\">Leasing v\u00fdhody<\/h3><li><p>Je snadno dostupn\u00fd a tolik se neprov\u011b\u0159uje finan\u010dn\u00ed situace<\/p>\n<\/li><li><p>V pevn\u011b dan\u00e9 spl\u00e1tce je zahrnut\u00e9 povinn\u00e9 i havarijn\u00ed poji\u0161t\u011bn\u00ed<\/p>\n<\/li><li><p>Podnikatel\u00e9 si mohou spl\u00e1tky ode\u010d\u00edst v da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Leasing_nevhody\">Leasing nev\u00fdhody<\/h3><li><p>Po celou dobu spl\u00e1cen\u00ed auto pat\u0159\u00ed spole\u010dnosti<\/p>\n<\/li><li><p>Obvykle se za auto zaplat\u00ed vy\u0161\u0161\u00ed \u010d\u00e1stky<\/p>\n<\/li><\/ul><\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg1\">\n\t\t\t\t<h3>Jak u\u0161et\u0159it <span class=\"compare-amount\">216&nbsp;840,00 K\u010d <\/span> na va\u0161\u00ed p\u016fj\u010dce<\/h3>\n\t\t\t\t<p>Rozd\u00edl v cen\u011b p\u016fj\u010dky 10&nbsp;000,00 K\u010d za 90 dn\u00ed je 216&nbsp;840,00 K\u010d.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financera.cz\/pujcky\/vysledky\/?query=1&filter_non_affiliate=1&param_amount=10000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Zjist\u011bte jak<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Operativn_leasing\">Operativn\u00ed leasing<\/h2>\n\n\n\n<p>U operativn\u00edho leasingu si nefinancujete sv\u00e9 vlastn\u00ed auto, ale si ho\u00a0<strong>jen na ur\u010ditou dobu pronaj\u00edm\u00e1te.\u00a0<\/strong>B\u011bhem pevn\u011b dan\u00e9 doby tak pravideln\u011b hrad\u00edte m\u011bs\u00ed\u010dn\u00ed n\u00e1jemn\u00e9, ve kter\u00e9m je zahrnut\u00e9 i m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9\u00a0<a href=\"https:\/\/financera.cz\/pojisteni\/povinne-ruceni\/\">povinn\u00e9ho ru\u010den\u00ed<\/a>\u00a0a\u00a0<a href=\"https:\/\/financera.cz\/pojisteni\/havarijni\/\">havarijn\u00edho poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n\n\n\n<p>Po celou dobu trv\u00e1n\u00ed smlouvy<strong>\u00a0je v\u016fz v majetku leasingov\u00e9 spole\u010dnosti\u00a0<\/strong>a na jej\u00edm konci se op\u011bt spole\u010dnosti vr\u00e1t\u00ed. V\u00fdm\u011bnou za to se ale\u00a0<strong>m\u011bs\u00ed\u010dn\u00ed platby rozpo\u010d\u00edtaj\u00ed z ni\u017e\u0161\u00ed \u010d\u00e1stky<\/strong>, proto\u017ee t\u00edm, \u017ee se vr\u00e1t\u00ed auto zp\u00e1tky, vr\u00e1t\u00ed se firm\u011b zp\u00e1tky i jeho z\u016fstatkov\u00e1 hodnota.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><p>Na konci smlouvy m\u00e1te\u00a0<strong>mo\u017enost auto za z\u016fstatkovou cenu odkoupit<\/strong>, b\u011b\u017en\u011b se to ale nest\u00e1v\u00e1. Z\u00e1kazn\u00edci jsou v\u011bt\u0161inou spokojen\u00ed natolik, \u017ee smlouvu o operativn\u00edm leasingu obnov\u00ed a na dal\u0161\u00ed obdob\u00ed si pronajmou nov\u00e9 auto.<\/p><\/div>\n\n\n<p>Kdy\u017e si tedy berete auto na operativn\u00ed leasing v cen\u011b\u00a0<strong>600 tis\u00edc,<\/strong>\u00a0po t\u0159ech letech bude st\u00e1le je\u0161t\u011b jeho alespo\u0148 na hodnot\u011b\u00a0<strong>280 tis\u00edc korun.<\/strong>\u00a0M\u011bs\u00ed\u010dn\u00ed n\u00e1jemn\u00e9 se tak rozpo\u010d\u00edt\u00e1v\u00e1 z rozd\u00edlu t\u011bchto \u010d\u00e1stek.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Vhody_a_nevhody_operativnho_leasingu\">V\u00fdhody a nev\u00fdhody operativn\u00edho leasingu<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><h3 id=\"Operativn_leasing_vhody\">Operativn\u00ed leasing v\u00fdhody<\/h3><li><p>Jezd\u00edte nov\u00fdm autem a nepot\u0159ebujete akontaci<\/p>\n<\/li><li><p>Auto je kompletn\u011b poji\u0161t\u011bn\u00e9 a p\u0159edem zn\u00e1te v\u0161echny n\u00e1klady<\/p>\n<\/li><li><p>Ne\u0159e\u0161\u00edte n\u00e1sledn\u00fd prodej<\/p>\n<\/li><li><p>P\u0159i variant\u011b full-service se nestar\u00e1te o opravy a servis auta<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><h3 id=\"Operativn_leasing_nevhody\">Operativn\u00ed leasing nev\u00fdhody<\/h3><li><p>Auto nen\u00ed va\u0161e a pot\u0159ebujete ho odevzdat v po\u0159\u00e1dku jinak hroz\u00ed sankce<\/p>\n<\/li><li><p>V cen\u011b je jen p\u0159edepsan\u00fd po\u010det kilometr\u016f<\/p>\n<\/li><li><p>V cen\u011b jsou jen pravideln\u00e9 prohl\u00eddky<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Pjka_na_auto_versus_leasing\">P\u016fj\u010dka na auto versus leasing<\/h2>\n\n\n\n<p>Pokud st\u00e1le uva\u017eujete o tom,\u00a0<strong>co je pro v\u00e1s v\u00fdhodn\u011bj\u0161\u00ed<\/strong>. Zda je to p\u016fj\u010dka na auto, kdy se po koupi st\u00e1v\u00e1te ihned majitelem vozidla, nebo sp\u00ed\u0161e leasing, kter\u00fd je sice dostupn\u011bj\u0161\u00ed, ale v\u011bt\u0161inou dra\u017e\u0161\u00ed a auto nen\u00ed va\u0161e, dokud leasing nesplat\u00edte. Ve\u00a0<strong>Financera.cz <\/strong>jsme si p\u0159ipravili pro v\u00e1s toto\u00a0<strong>z\u00e1v\u011bre\u010dn\u00e9 porovn\u00e1n\u00ed.<\/strong><\/p>\n\n\n<div class=\"wp-block-image shortcode-no\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"703\" height=\"1024\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/10\/2021\/12\/srovnani-autopujcka-leasing-703x1024.png\" alt=\"\" class=\"wp-image-26833\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/10\/2021\/12\/srovnani-autopujcka-leasing-703x1024.png 703w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2021\/12\/srovnani-autopujcka-leasing-206x300.png 206w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2021\/12\/srovnani-autopujcka-leasing-768x1119.png 768w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2021\/12\/srovnani-autopujcka-leasing-1054x1536.png 1054w, https:\/\/financer.global\/app\/uploads\/sites\/10\/2021\/12\/srovnani-autopujcka-leasing-1405x2048.png 1405w\" sizes=\"(max-width: 703px) 100vw, 703px\" \/><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"TOP_5_nejprodvanjch_aut_v_R\">TOP 5 nejprod\u00e1van\u011bj\u0161\u00edch aut v \u010cR<\/h2>\n\n\n\n<p>Vz\u00edt si rychlou p\u016fj\u010dku na auto nebo zvolit rad\u011bji leasing? To je jedno dilema. Jak\u00e9 auto si vybrat to je dal\u0161\u00ed.<\/p>\n\n\n\n<p>Ve Financera.cz jsme se pod\u00edvali na to, kter\u00e1 jsou\u00a0<strong>nejprod\u00e1van\u011bj\u0161\u00ed auta v \u010cesk\u00e9 republice.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table class=\"has-fixed-layout\"><thead><tr><th>Po\u0159ad\u00ed<\/th><th>Model<\/th><th>Po\u010det prodan\u00fdch\u00a0<strong>kus\u016f\u00a0<\/strong><\/th><\/tr><\/thead><tbody><tr><td>1.<\/td><td>\u0160koda Octavia<\/td><td>21 815<\/td><\/tr><tr><td>2.<\/td><td>\u0160koda Fabia<\/td><td>10 775<\/td><\/tr><tr><td>3.<\/td><td>\u0160koda Scala<\/td><td>9 784<\/td><\/tr><tr><td>4.<\/td><td>\u0160koda Kamiq<\/td><td>9 032<\/td><\/tr><tr><td>5.<\/td><td>\u0160koda Karoq<\/td><td>9 447<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Top 5 nejprod\u00e1van\u011bj\u0161\u00edch aut v \u010cR za rok 2023<br><\/figcaption><\/figure>\n\n\n\n<p>A\u0165 mus\u00edte doj\u00ed\u017ed\u011bt za prac\u00ed, nebo pot\u0159ebujete automobil na odvoz d\u011bt\u00ed do \u0161kolky, v\u011b\u0159\u00edme, \u017ee tento \u010dl\u00e1nek zab\u00fdvaj\u00edc\u00ed se t\u00e9matem\u00a0<strong>leasing a p\u016fj\u010dka na auto<\/strong>\u00a0byl pro v\u00e1s p\u0159\u00ednosn\u00fd.<\/p>\n\n\n\n<p>V p\u0159\u00edpad\u011b \u017ee v\u00e1s n\u00e1kup nov\u00e9ho vozu \u010dek\u00e1, p\u0159ejeme \u0161\u0165astnou ruku p\u0159i v\u00fdb\u011bru a\u00a0<strong>ty nejlep\u0161\u00ed mo\u017en\u00e9 podm\u00ednky n\u00e1kupu<\/strong>.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financera.cz\/vysledky\/query\/1\/param_period\/1800\/param_excludefilters\/interest_free,bad_history,filter_age_20,loan_broker_filter_active\/filter_non_affiliate\/1\/param_amount\/100000\/param_period\/1800\/param_period\/60\/\" class=\"button  is-rounded is-primary is-medium is-arrow\" target=\"_blank\"  >Srovn\u00e1n\u00ed p\u016fj\u010dek na auto<\/a><\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_otzky\">\u010casto kladen\u00e9 ot\u00e1zky<\/h3><h4>Co pot\u0159ebuji k \u017e\u00e1dosti o p\u016fj\u010dku na auto?<\/h4><div class=\"faq_inner\"><p>V\u0161e z\u00e1vis\u00ed na typu p\u016fj\u010dky a instituce, ve kter\u00e9 \u017e\u00e1d\u00e1te o p\u016fj\u010dku na auto. V p\u0159\u00edpad\u011b, \u017ee \u017e\u00e1d\u00e1te o p\u016fj\u010dku v bance, ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f vy\u017eaduj\u00ed<strong>\u00a0dva doklady toto\u017enosti<\/strong>,\u00a0<strong>potvrzen\u00ed o v\u00fd\u0161i p\u0159\u00edjm\u016f, trval\u00e9m bydli\u0161ti a podobn\u00e9 dokumenty.\u00a0<\/strong><\/p>\n<p>\u017d\u00e1d\u00e1te-li o p\u016fj\u010dku u nebankovek, byrokracie je trochu voln\u011bj\u0161\u00ed. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f si vysta\u010d\u00edte s dokladem toto\u017enosti a orienta\u010dn\u00ed v\u00fd\u0161\u00ed va\u0161eho p\u0159\u00edjmu.<\/p><\/div><h4>Kolik si mohu p\u016fj\u010dit?<\/h4><div class=\"faq_inner\"><p>U p\u016fj\u010dky na auto nen\u00ed dan\u00e1 \u017e\u00e1dn\u00e1 horn\u00ed hranice. M\u016f\u017eete si po\u017e\u00e1dat o jakoukoli \u010d\u00e1stku, kterou dovoluje v\u00e1\u0161 rozpo\u010det a kolik pot\u0159ebujete. Konkr\u00e9tn\u00ed \u010d\u00e1stku o kterou \u017e\u00e1d\u00e1te v\u00e1m v\u0161ak nejprve\u00a0<strong>mus\u00ed schv\u00e1lit dan\u00e1 instituce na z\u00e1klad\u011b va\u0161\u00ed bonity<\/strong>, aby pak nehrozilo, \u017ee p\u016fj\u010dku nebudete schopni spl\u00e1cet.<\/p>\n<p>To znamen\u00e1, \u017ee v\u00e1m mohou schv\u00e1lit men\u0161\u00ed \u010d\u00e1stku, ne\u017e je ta, o kterou jste \u017e\u00e1dali. Pou\u017eijte n\u00e1\u0161\u00a0<a href=\"https:\/\/financera.cz\/vysledky\/query\/1\/param_period\/1800\/param_excludefilters\/interest_free,bad_history,filter_age_20,loan_broker_filter_active\/filter_non_affiliate\/1\/param_amount\/100000\/param_period\/1800\/param_period\/60\/\">porovn\u00e1va\u010d\u00a0<strong>Financer.com<\/strong><\/a>, abyste zjistili o jak velkou p\u016fj\u010dku m\u016f\u017eete \u017e\u00e1dat.<\/p><\/div><h4>Na jak dlouho se p\u016fj\u010duje?<\/h4><div class=\"faq_inner\"><p>To z\u00e1vis\u00ed ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f na poskytovateli \u00fav\u011bru. Doby splatnosti jsou rozd\u00edln\u00e9 mohou trvat i 10-12 let. Av\u0161ak ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f je typick\u00e1 doba<strong>\u00a03-6 let.<\/strong><\/p>\n<p><strong>Financer.com<\/strong>\u00a0v\u00e1m nab\u00edz\u00ed jedine\u010dnou p\u0159\u00edle\u017eitost, jak\u00a0<a href=\"https:\/\/financera.cz\/vysledky\/query\/1\/param_period\/1800\/param_excludefilters\/interest_free,bad_history,filter_age_20,loan_broker_filter_active\/filter_non_affiliate\/1\/param_amount\/100000\/param_period\/1800\/param_period\/60\/\">porovnat<\/a>\u00a0jednotliv\u00e9 autop\u016fj\u010dky.<\/p><\/div><h4>M\u00e1 st\u00e1\u0159\u00ed vozidla vliv na p\u016fj\u010dku?<\/h4><div class=\"faq_inner\"><p>Pokud si berete nezaji\u0161t\u011bn\u00fd \u00fav\u011br tak ne. Pokud v\u0161ak chcete zaji\u0161t\u011bn\u00fd, je st\u00e1\u0159\u00ed a stav vozu sp\u00ed\u0161e\u00a0<strong>p\u0159ek\u00e1\u017ekou, pokud byste j\u00edm cht\u011bli ru\u010dit.<\/strong><\/p><\/div><h4>Mus\u00edm si v\u017edy auto koupit u ofici\u00e1ln\u00edho prodejce?<\/h4><div class=\"faq_inner\"><p>Nen\u00ed pot\u0159eba. Pokud si chcete koupit auto jinde, ne\u017e u autorizovan\u00e9ho prodejce, je\u00a0<strong>t\u0159eba si vz\u00edt nezaji\u0161t\u011bnou autop\u016fj\u010dku, nebo spot\u0159ebitelsk\u00fd \u00fav\u011br.<\/strong>\u00a0Star\u00e9, nebo ch\u00e1traj\u00edc\u00ed auto obvykle nelze pou\u017e\u00edt do z\u00e1stavy.<\/p><\/div><h4>Mus\u00edm d\u00e1t v z\u00e1stavu kupovan\u00e9 vozidlo?<\/h4><div class=\"faq_inner\"><p>Ne nutn\u011b. U zaji\u0161t\u011bn\u00e9ho \u00fav\u011bru nemus\u00edte d\u00e1t jako z\u00e1stavu kupovan\u00e9 vozidlo,\u00a0<strong>m\u016f\u017eete nap\u0159\u00edklad ru\u010dit i nemovitost\u00ed<\/strong>. Pokud \u017e\u00e1d\u00e1te o nezaji\u0161t\u011bn\u00fd \u00fav\u011br, nezastavujete nic.<\/p><\/div><h4>Jak zjist\u00edm kolik p\u0159eplat\u00edm?<\/h4><div class=\"faq_inner\"><p>Chcete-li zjistit kolik proplat\u00edte p\u0159i autop\u016fj\u010dce,\u00a0<strong>pou\u017eijte srovn\u00e1n\u00ed p\u016fj\u010dek online od Financer.com<\/strong>. Sta\u010d\u00ed si jen vybrat \u00fav\u011brovou spole\u010dnost, kter\u00e1 v\u00e1m nejv\u00edc vyhovuje.<\/p><\/div><h4>M\u016f\u017eu p\u016fj\u010dku p\u0159ed\u010dasn\u011b splatit?<\/h4><div class=\"faq_inner\"><p>Samoz\u0159ejm\u011b, \u017ee autop\u016fj\u010dku\u00a0<strong>m\u016f\u017eete p\u0159ed\u010dasn\u011b splatit.<\/strong>\u00a0N\u011bkter\u00e9 instituce si v\u0161ak za to \u00fa\u010dtuj\u00ed poplatek, jsou v\u0161ak tak\u00e9 takov\u00e9, kter\u00e9 nab\u00edzej\u00ed tuto mo\u017enost zdarma.<\/p><\/div><h4>Jak\u00e1 je nejlep\u0161\u00ed a nejlevn\u011bj\u0161\u00ed p\u016fj\u010dka na auto?<\/h4><div class=\"faq_inner\"><p>To kter\u00e1 p\u016fj\u010dka na auto je nejlep\u0161\u00ed z\u00e1vis\u00ed na mnoha faktorech. N\u011bkomu v\u00edce vyhovuje nezaji\u0161t\u011bn\u00fd \u00fav\u011br, pro jin\u00e9ho je lep\u0161\u00ed a levn\u011bj\u0161\u00ed mo\u017enost zase zaji\u0161t\u011bn\u00e1 p\u016fj\u010dka na auto bez dolo\u017een\u00ed p\u0159\u00edjmu.<\/p>\n<p><strong>Financer.com<\/strong>\u00a0doporu\u010duje v\u0161ak v prvn\u00ed \u0159ad\u011b:<\/p>\n<ul>\n<li>P\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti\u00a0<strong>porovnejte rozd\u00edln\u00e9 p\u016fj\u010dky na auta<\/strong>.<\/li>\n<li>Na n\u00e1kup nov\u00e9ho vozu doporu\u010dujeme zaji\u0161t\u011bn\u00fd bankovn\u00ed \u00fav\u011br, ale pro koupi ojet\u00e9ho vozu m\u016f\u017ee b\u00fdt lep\u0161\u00ed \u00fav\u011br na auto bez zaji\u0161t\u011bn\u00ed.<\/li>\n<li>Vy\u017e\u00e1dejte si tak\u00e9 nab\u00eddku financov\u00e1n\u00ed vozu od prodejce automobil\u016f, pokud je k dispozici. P\u0159ed uzav\u0159en\u00edm smlouvy si<strong>\u00a0porovnejte cenu financov\u00e1n\u00ed<\/strong>\u00a0vozu s nezaji\u0161t\u011bn\u00fdm \u00fav\u011brem na auto.<\/li>\n<li>Dejte pozor\u00a0<strong>na v\u00fd\u0161i \u00farok\u016f<\/strong>.<\/li>\n<li>Zohledn\u011bte<strong>\u00a0flexibilitu financov\u00e1n\u00ed<\/strong>\u00a0vozu nebo \u00fav\u011bru na auto, tedy zda si v p\u0159\u00edpad\u011b pot\u0159eby m\u016f\u017eete vz\u00edt spl\u00e1tkovou dovolenou nebo prodlou\u017eit dobu splatnosti<\/li>\n<\/ul><\/div><h4>Pro\u010d porovn\u00e1vat p\u016fj\u010dky na auta na Financer.com?<\/h4><div class=\"faq_inner\"><p>Financer.com nab\u00edz\u00ed\u00a0<strong>bezplatn\u00e9 a spolehliv\u00e9 srovn\u00e1n\u00ed p\u016fj\u010dek na auta<\/strong>, kde m\u016f\u017eete naj\u00edt des\u00edtky r\u016fzn\u00fdch nab\u00eddek p\u016fj\u010dek. Porovn\u00e1n\u00ed p\u016fj\u010dek na auta je zdarma a srovn\u00e1n\u00ed v\u00e1s nezavazuje k tomu, abyste si vzali p\u016fj\u010dku. Porovnejte p\u016fj\u010dky na auta\u00a0<a href=\"https:\/\/financera.cz\/vysledky\/query\/1\/param_period\/1800\/param_excludefilters\/interest_free,bad_history,filter_age_20,loan_broker_filter_active\/filter_non_affiliate\/1\/param_amount\/100000\/param_period\/1800\/param_period\/60\/\">zde<\/a>!<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>P\u016fj\u010dka na auto Mluv\u00edme o autop\u016fj\u010dce, tedy p\u016fj\u010dce\u00a0ur\u010den\u00e9 ke koupi auta. Obvykle se jedn\u00e1 o nezaji\u0161t\u011bn\u00fd nebo zaji\u0161t\u011bn\u00fd spot\u0159ebitelsk\u00fd \u00fav\u011br.\u2026 <\/p>\n","protected":false},"author":90,"featured_media":79198,"parent":1845,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"disable_branded_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","ep_exclude_from_search":false},"categories":[76],"tags":[32],"_links":{"self":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages\/218"}],"collection":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/users\/90"}],"replies":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/comments?post=218"}],"version-history":[{"count":50,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages\/218\/revisions"}],"predecessor-version":[{"id":79616,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages\/218\/revisions\/79616"}],"up":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/pages\/1845"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/media\/79198"}],"wp:attachment":[{"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/media?parent=218"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/categories?post=218"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/financera.cz\/wp-json\/wp\/v2\/tags?post=218"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}