[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.innovatio.cz\/podivejte-se-na-3-zpusoby-jak-zafinancovat-nove-auto\/#Article","mainEntityOfPage":"https:\/\/www.innovatio.cz\/podivejte-se-na-3-zpusoby-jak-zafinancovat-nove-auto\/","headline":"Pod\u00edvejte se na 3 zp\u016fsoby, jak zafinancovat nov\u00e9 auto","name":"Pod\u00edvejte se na 3 zp\u016fsoby, jak zafinancovat nov\u00e9 auto","description":"Dlouhodobou investici jako je koup\u011b nov\u00e9ho vozidla si mus\u00edte po\u0159\u00e1dn\u011b rozmyslet. A te\u010f nen\u00ed \u0159e\u010d jen o zna\u010dce, modelu, vybaven\u00ed…","datePublished":"2020-01-02","dateModified":"2023-06-06","author":{"@type":"Person","@id":"https:\/\/www.innovatio.cz\/author\/#Person","name":"","url":"https:\/\/www.innovatio.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b86e461e91a792eb6523c2667396c9868de382fea5dd80e25dc0d9e030173b65?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"innovatio.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.innovatio.cz\/wp-content\/uploads\/img_a378872_w3111_t1590063439.jpg","url":"https:\/\/www.innovatio.cz\/wp-content\/uploads\/img_a378872_w3111_t1590063439.jpg","height":0,"width":0},"url":"https:\/\/www.innovatio.cz\/podivejte-se-na-3-zpusoby-jak-zafinancovat-nove-auto\/","about":["Online"],"wordCount":397,"articleBody":"          Dlouhodobou investici jako je koup\u011b nov\u00e9ho vozidla si mus\u00edte po\u0159\u00e1dn\u011b rozmyslet. A te\u010f nen\u00ed \u0159e\u010d jen o zna\u010dce, modelu, vybaven\u00ed a barv\u011b, ale tak\u00e9 o jeho financov\u00e1n\u00ed. Pr\u00e1v\u011b to je v\u011bc, kter\u00e1 tr\u00e1p\u00ed hodn\u011b lid\u00ed. Krom\u011b vlastn\u00edch zdroj\u016f m\u00e1te n\u011bkolik dal\u0161\u00edch mo\u017enost\u00ed, jak postupovat. Spot\u0159ebitelsk\u00fd \u00fav\u011br Tohle je klasika. Chcete nov\u00e9 auto, tak jdete do banky a z\u0159\u00edd\u00edte si spot\u0159ebitelskou p\u016fj\u010dku. Jej\u00ed v\u00fdhodou je to, \u017ee jde vozidlo okam\u017eit\u011b po koupi do va\u0161eho vlastnictv\u00ed, m\u016f\u017eete si nechat ud\u011blat odpo\u010det cel\u00e9ho DPH z kupn\u00ed ceny ihned na po\u010d\u00e1tku spl\u00e1cen\u00ed a z\u00e1rove\u0148 m\u016f\u017eete tak\u00e9 prov\u00e1d\u011bt odpisy. Nev\u00fdhodou je bohu\u017eel vy\u0161\u0161\u00ed \u00farok a t\u00edm p\u00e1dem i vy\u0161\u0161\u00ed \u010d\u00e1stka, kterou ve fin\u00e1le zaplat\u00edte. Americk\u00e1 hypot\u00e9ka Jde o trochu netradi\u010dn\u00ed p\u0159\u00edstup, ale rozhodn\u011b v\u00fdhodn\u011bj\u0161\u00ed ne\u017e p\u0159edchoz\u00ed. Americk\u00e1 hypot\u00e9ka od spole\u010dnosti Americk\u00e1 nebankovn\u00ed hypot\u00e9ka slibuje v\u00fdhodnou \u00farokovou sazbu, a\u017e 70 % z odhadn\u00ed ceny p\u0159edlo\u017een\u00e9 z\u00e1stavy a splatnost\u00ed a\u017e na neuv\u011b\u0159iteln\u00fdch 30 let. D\u00edky tomu budete m\u00edt \u00fa\u017easn\u011b n\u00edzk\u00e9 spl\u00e1tky a m\u016f\u017eete o ni za\u017e\u00e1dat i v p\u0159\u00edpad\u011b, \u017ee m\u00e1te z\u00e1znam v registru dlu\u017en\u00edk\u016f. Nejm\u00e9n\u011b v\u00fdhodn\u00e1 mo\u017enost Leasing je sice obl\u00edben\u00fd, ale rozhodn\u011b ne v\u00fdhodn\u00fd. Jeho nejv\u011bt\u0161\u00edm negativem je to, \u017ee se stanete majitelem vozu a\u017e ve chv\u00edli, kdy ho cel\u00e9 zaplat\u00edte. To znamen\u00e1, \u017ee s n\u00edm nem\u016f\u017eete nakl\u00e1dat podle sv\u00e9ho. I kdybyste ho cht\u011bli prodat, tak nem\u016f\u017eete. Spl\u00e1tky jsou obecn\u011b ni\u017e\u0161\u00ed, ale na druhou stranu mus\u00edte po\u010d\u00edtat s t\u00edm, \u017ee na konci budete muset uhradit je\u0161t\u011b z\u016fstatkovou cenu. Varianty m\u016f\u017eete vyu\u017e\u00edt dv\u011b, a to klasick\u00fd a operativn\u00ed leasing. Operativn\u00ed model je zaj\u00edmav\u00fd v tom, \u017ee jezd\u00edte neust\u00e1le v nov\u00e9m. Jedn\u00e1 se prakticky o pron\u00e1jem na 24 a\u017e 60 m\u011bs\u00edc\u016f, po kter\u00fdch si zvol\u00edte nov\u00fd model. Nev\u00fdhodou tak\u00e9 je, \u017ee s vozem mohou jezdit jen osoby, kter\u00e9 jsou napsan\u00e9 ve smlouv\u011b. Spl\u00e1tky jsou podobn\u00e9, ale nem\u00e1te u n\u011bj poji\u0161t\u011bn\u00ed a nikdy nebude jen va\u0161e.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pod\u00edvejte se na 3 zp\u016fsoby, jak zafinancovat nov\u00e9 auto","item":"https:\/\/www.innovatio.cz\/podivejte-se-na-3-zpusoby-jak-zafinancovat-nove-auto\/#breadcrumbitem"}]}]