{"id":1903,"date":"2024-07-11T16:57:44","date_gmt":"2024-07-11T14:57:44","guid":{"rendered":"https:\/\/www.multibox.sk\/clanky\/?p=1903"},"modified":"2024-07-11T16:58:29","modified_gmt":"2024-07-11T14:58:29","slug":"oplati-sa-kupit-auto-na-leasing-alebo-uver","status":"publish","type":"post","link":"https:\/\/www.multibox.sk\/clanky\/oplati-sa-kupit-auto-na-leasing-alebo-uver\/","title":{"rendered":"Oplat\u00ed sa k\u00fapi\u0165 auto na leasing alebo na vyu\u017ei\u0165 bez\u00fa\u010delov\u00fd \u00faver?"},"content":{"rendered":"\n

Pl\u00e1nujete si k\u00fapi\u0165 nov\u00e9 auto<\/strong>? K\u00fapa auta<\/a> predstavuje v\u00fdznamn\u00fa finan\u010dn\u00fa invest\u00edciu, a preto je d\u00f4le\u017eit\u00e9 zv\u00e1\u017ei\u0165 r\u00f4zne mo\u017enosti financovania. Medzi najbe\u017enej\u0161ie sp\u00f4soby patr\u00ed leasing a bez\u00fa\u010delov\u00fd \u00faver. Ka\u017ed\u00e1 z t\u00fdchto mo\u017enost\u00ed m\u00e1 svoje v\u00fdhody a nev\u00fdhody, ktor\u00e9 je potrebn\u00e9 zv\u00e1\u017ei\u0165 predt\u00fdm, ne\u017e sa rozhodnete, ktor\u00e1 z nich je pre v\u00e1s najvhodnej\u0161ia.<\/p>\n\n\n

\n
\"auto\"<\/figure>\n<\/div>\n\n\n

Kupujete auto \u2013 viete, ak\u00e9 s\u00fa hlavn\u00e9 rozdiely medzi leasingom a bez\u00fa\u010delov\u00fdm \u00faverom?<\/h2>\n\n\n\n

Kupujete nov\u00e9 auto<\/strong>, no ch\u00fdba v\u00e1m hotovos\u0165? Leasing m\u00e1 nieko\u013eko v\u00fdhod, ktor\u00e9 m\u00f4\u017eu by\u0165 pre mnoh\u00fdch z\u00e1ujemcov o k\u00fapu auta <\/em>atrakt\u00edvne. Jednou z hlavn\u00fdch v\u00fdhod leasingu s\u00fa ni\u017e\u0161ie po\u010diato\u010dn\u00e9 n\u00e1klady. Leasing \u010dasto vy\u017eaduje ni\u017e\u0161iu alebo \u017eiadnu akont\u00e1ciu, \u010do znamen\u00e1, \u017ee nemus\u00edte hne\u010f na za\u010diatku vynaklada\u0165 ve\u013ek\u00fa sumu pe\u0148az\u00ed. \u010eal\u0161ou v\u00fdhodou s\u00fa ni\u017e\u0161ie mesa\u010dn\u00e9 spl\u00e1tky, preto\u017ee pri leasingu plat\u00edte len za pou\u017eitie auta<\/strong> po\u010das leasingov\u00e9ho obdobia, nie za jeho cel\u00fa hodnotu.<\/p>\n\n\n\n

To m\u00f4\u017ee by\u0165 v\u00fdhodn\u00e9 pre t\u00fdch, ktor\u00ed si nem\u00f4\u017eu dovoli\u0165 vysok\u00e9 mesa\u010dn\u00e9 spl\u00e1tky. Leasing tie\u017e pon\u00faka flexibilitu a mo\u017enos\u0165 moderniz\u00e1cie. Po skon\u010den\u00ed leasingovej zmluvy m\u00e1te mo\u017enos\u0165 auto <\/em>vr\u00e1ti\u0165 a uzavrie\u0165 nov\u00fa zmluvu na nov\u0161\u00ed model. To je v\u00fdhodn\u00e9, ak chcete ma\u0165 v\u017edy nov\u00e9 a modern\u00e9 auto<\/a>. Navy\u0161e, leasingov\u00e9 zmluvy \u010dasto zah\u0155\u0148aj\u00fa bal\u00ed\u010dky \u00fadr\u017eby a servisu, \u010do m\u00f4\u017ee zn\u00ed\u017ei\u0165 va\u0161e n\u00e1klady na prev\u00e1dzku auta.<\/p>\n\n\n\n

\u010co by ste mali vedie\u0165 pred k\u00fapou auta na leasing?<\/h2>\n\n\n\n

Leasing m\u00e1 aj nieko\u013eko nev\u00fdhod. Pri leasingu auto<\/strong> nevlastn\u00edte, ale si ho iba prenaj\u00edmate. Po skon\u010den\u00ed leasingov\u00e9ho obdobia mus\u00edte auto<\/em> vr\u00e1ti\u0165 alebo zaplati\u0165 zostatkov\u00fa hodnotu, ak chcete auto odk\u00fapi\u0165.<\/a> To m\u00f4\u017ee by\u0165 nev\u00fdhodn\u00e9, ak preferujete vlastni\u0165 auto<\/em>. \u010eal\u0161ou nev\u00fdhodou s\u00fa obmedzenia, ktor\u00e9 leasingov\u00e9 zmluvy \u010dasto obsahuj\u00fa. M\u00f4\u017eu zah\u0155\u0148a\u0165 obmedzenia na po\u010det najazden\u00fdch kilometrov a podmienky t\u00fdkaj\u00face sa \u00fadr\u017eby a starostlivosti o auto<\/strong>. Poru\u0161enie t\u00fdchto podmienok m\u00f4\u017ee vies\u0165 k dodato\u010dn\u00fdm poplatkom.<\/p>\n\n\n\n

Bez\u00fa\u010delov\u00fd \u00faver<\/a> je \u010fal\u0161ou mo\u017enos\u0165ou financovania k\u00fapy auta,<\/strong> ktor\u00e1 m\u00e1 svoje vlastn\u00e9 v\u00fdhody a nev\u00fdhody. Jednou z hlavn\u00fdch v\u00fdhod bez\u00fa\u010delov\u00e9ho \u00faveru je, \u017ee auto<\/em> okam\u017eite vlastn\u00edte. To znamen\u00e1, \u017ee m\u00f4\u017eete s autom<\/em> robi\u0165, \u010do chcete, a nie ste viazan\u00ed \u017eiadnymi obmedzeniami ako pri leasingu. Bez\u00fa\u010delov\u00fd \u00faver tie\u017e umo\u017e\u0148uje flexibilitu v tom, ako vyu\u017eijete financie. Peniaze z \u00faveru m\u00f4\u017eete pou\u017ei\u0165 nielen na k\u00fapu auta<\/strong>, ale aj na in\u00e9 v\u00fddavky, ak to potrebujete. Navy\u0161e, ak m\u00e1te dobr\u00fd \u00faverov\u00fd profil, m\u00f4\u017eete z\u00edska\u0165 \u00faver s relat\u00edvne n\u00edzkym \u00farokom, \u010do m\u00f4\u017ee by\u0165 finan\u010dne v\u00fdhodn\u00e9.<\/p>\n\n\n\n

Nev\u00fdhodou bez\u00fa\u010delov\u00e9ho \u00faveru s\u00fa vy\u0161\u0161ie po\u010diato\u010dn\u00e9 n\u00e1klady a vy\u0161\u0161ie mesa\u010dn\u00e9 spl\u00e1tky v porovnan\u00ed s leasingom. Bez\u00fa\u010delov\u00fd \u00faver zvy\u010dajne vy\u017eaduje vy\u0161\u0161iu akont\u00e1ciu a mesa\u010dn\u00e9 spl\u00e1tky s\u00fa vy\u0161\u0161ie, preto\u017ee spl\u00e1cate cel\u00fa hodnotu auta<\/em>, nie len jeho pou\u017eitie. To m\u00f4\u017ee by\u0165 pre niektor\u00fdch \u013eud\u00ed finan\u010dne n\u00e1ro\u010dn\u00e9. Okrem toho, \u00farokov\u00e9 sadzby na bez\u00fa\u010delov\u00fd \u00faver m\u00f4\u017eu by\u0165 vy\u0161\u0161ie ako na \u00fa\u010delov\u00fd \u00faver, \u010do m\u00f4\u017ee zv\u00fd\u0161i\u0165 celkov\u00e9 n\u00e1klady na financovanie auta<\/strong>.<\/p>\n\n\n\n

Pri rozhodovan\u00ed medzi leasingom a bez\u00fa\u010delov\u00fdm \u00faverom je d\u00f4le\u017eit\u00e9 zv\u00e1\u017ei\u0165 va\u0161e finan\u010dn\u00e9 mo\u017enosti, preferencie a potreby. Ur\u010dite je vhodn\u00e9 sa vopred poradi\u0165 s finan\u010dn\u00fdm poradcom alebo odborn\u00edkom na predaj a k\u00fapu \u00e1ut.<\/p>\n","protected":false},"excerpt":{"rendered":"

Pl\u00e1nujete si k\u00fapi\u0165 nov\u00e9 auto? K\u00fapa auta predstavuje v\u00fdznamn\u00fa finan\u010dn\u00fa invest\u00edciu, a preto je d\u00f4le\u017eit\u00e9 [\u2026]<\/span><\/p>\n","protected":false},"author":6,"featured_media":1905,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-moto"],"public_preview_url":"https:\/\/www.multibox.sk\/clanky\/?p=1903&preview=1&_ppp=63fc573e97","_links":{"self":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1903","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/comments?post=1903"}],"version-history":[{"count":1,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1903\/revisions"}],"predecessor-version":[{"id":1906,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/posts\/1903\/revisions\/1906"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/media\/1905"}],"wp:attachment":[{"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/media?parent=1903"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/categories?post=1903"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.multibox.sk\/clanky\/wp-json\/wp\/v2\/tags?post=1903"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}