[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wispra.cz\/kde-vzit-na-auto-a-nekrast\/#Article","mainEntityOfPage":"https:\/\/www.wispra.cz\/kde-vzit-na-auto-a-nekrast\/","headline":"Kde vz\u00edt na auto a nekr\u00e1st","name":"Kde vz\u00edt na auto a nekr\u00e1st","description":"Rozhl\u00eddnete-li se kolem, potvrd\u00edte si, \u017ee v\u011bt\u0161ina rodin vlastn\u00ed minim\u00e1ln\u011b jedno auto. Ten, kdo auto nem\u00e1, je \u010dasto vn\u00edm\u00e1n jako podiv\u00edn. A\u017e tak jsme si zvykli b\u00fdt motorizovan\u00ed. Vozov\u00fd park v \u010cesk\u00e9 republice dosahuje n\u00e1ctilet\u00e9ho v\u011bku. Jeho st\u00e1\u0159\u00ed se pohybuje mezi \u010dtrn\u00e1ct\u00fdm a patn\u00e1ct\u00fdm rokem. Jen pro zaj\u00edmavost, st\u00e1\u0159\u00ed aut v EU dosahuje pr\u016fm\u011brn\u011b necel\u00fdch 11 let. Statistiky se nikterak dramaticky nem\u011bn\u00ed, a to ani rekordn\u00edmi prodeji nov\u00fdch automobil\u016f. Za leto\u0161n\u00ed prvn\u00ed pololet\u00ed bylo registrov\u00e1no 143 784 voz\u016f. Dosahuje Va\u0161e auto nadpr\u016fm\u011brn\u00e9ho v\u011bku? Zest\u00e1rlo Va\u0161e vozidlo natolik, \u017ee u\u017e se V\u00e1m opravy nevyplat\u00ed? Jste rozhodnuti, \u017ee bazar u\u017e nikdy v\u00edce, jedin\u011b nov\u00e9? Jak financovat n\u00e1kup nov\u00e9ho vozidla ·         Ide\u00e1ln\u00ed je, pokud jste si...","datePublished":"2023-05-06","dateModified":"2023-05-06","author":{"@type":"Person","@id":"https:\/\/www.wispra.cz\/author\/#Person","name":"","url":"https:\/\/www.wispra.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/99fa2d7bb0ff3369cbf7f1481134d0b6f7aff596e984b7c90a3d99b8b24eb0d8?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/99fa2d7bb0ff3369cbf7f1481134d0b6f7aff596e984b7c90a3d99b8b24eb0d8?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wispra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wispra.cz\/wp-content\/uploads\/img_a329606_w2652_t1542103335.jpg","url":"https:\/\/www.wispra.cz\/wp-content\/uploads\/img_a329606_w2652_t1542103335.jpg","height":0,"width":0},"url":"https:\/\/www.wispra.cz\/kde-vzit-na-auto-a-nekrast\/","about":["Finance"],"wordCount":696,"articleBody":"Rozhl\u00eddnete-li se kolem, potvrd\u00edte si, \u017ee v\u011bt\u0161ina rodin vlastn\u00ed minim\u00e1ln\u011b jedno auto. Ten, kdo auto nem\u00e1, je \u010dasto vn\u00edm\u00e1n jako podiv\u00edn. A\u017e tak jsme si zvykli b\u00fdt motorizovan\u00ed.Vozov\u00fd park v \u010cesk\u00e9 republice dosahuje n\u00e1ctilet\u00e9ho v\u011bku. Jeho st\u00e1\u0159\u00ed se pohybuje mezi \u010dtrn\u00e1ct\u00fdm a patn\u00e1ct\u00fdm rokem. Jen pro zaj\u00edmavost, st\u00e1\u0159\u00ed aut v EU dosahuje pr\u016fm\u011brn\u011b necel\u00fdch 11 let.Statistiky se nikterak dramaticky nem\u011bn\u00ed, a to ani rekordn\u00edmi prodeji nov\u00fdch automobil\u016f. Za leto\u0161n\u00ed prvn\u00ed pololet\u00ed bylo registrov\u00e1no 143 784 voz\u016f.Dosahuje Va\u0161e auto nadpr\u016fm\u011brn\u00e9ho v\u011bku? Zest\u00e1rlo Va\u0161e vozidlo natolik, \u017ee u\u017e se V\u00e1m opravy nevyplat\u00ed? Jste rozhodnuti, \u017ee bazar u\u017e nikdy v\u00edce, jedin\u011b nov\u00e9?Jak financovat n\u00e1kup nov\u00e9ho vozidla·         Ide\u00e1ln\u00ed je, pokud jste si na\u0161et\u0159ili ze sv\u00fdch p\u0159\u00edjm\u016f.·         Pokud nepat\u0159\u00edte k t\u00e9to skupin\u011b \u0161ikul\u016f, t\u0159eba m\u00e1te \u0161t\u011bst\u00ed na rodinu, kde si pop\u016fj\u010dujete.  ·         Nel\u00edb\u00ed-li se V\u00e1m toto \u0159e\u0161en\u00ed, m\u00e1te je\u0161t\u011b minim\u00e1ln\u011b n\u00e1sleduj\u00edc\u00ed \u010dty\u0159i varianty.1.       Nebankovn\u00ed p\u016fj\u010dka2.       Bankovn\u00ed p\u016fj\u010dka (ne\u00fa\u010delov\u00e1)3.       Bankovn\u00ed p\u016fj\u010dka (\u00fa\u010delov\u00e1)4.       \u00dav\u011br p\u0159\u00edmo p\u0159es prodejce nov\u00e9ho vozuP\u0159\u00edklady financov\u00e1n\u00edZkusme j\u00edt na n\u00e1kup nejprod\u00e1van\u011bj\u0161\u00ed zna\u010dky aut v republice, tj. \u0160kody. S\u00e1hneme po cenov\u011b dostupn\u011bj\u0161\u00ed Fabii. Abychom si roz\u0161\u00ed\u0159ili prostor, zvol\u00edme Combi. Cena ve v\u00fdbav\u011b Ambition za\u010d\u00edn\u00e1 na 320 000 korun. Budete hledat reprezentativn\u00ed p\u0159\u00edklady s m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou cca 4 500- 5 000 K\u010d.1.       Za\u010dn\u011bme nebankovn\u00ed p\u016fj\u010dkou. Cofidis V\u00e1m nab\u00eddne 330 000 K\u010d s m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou 4 585 K\u010d na 7 let. P\u0159eplat\u00edte 55 140 K\u010d. RPSN: 4,49. To nezn\u00ed \u0161patn\u011b. Pozor, vol\u00edte-li nebankovn\u00ed firmy, volte ov\u011b\u0159en\u00e9 firmy, kde se nemus\u00edte b\u00e1t nef\u00e9rov\u00e9ho jedn\u00e1n\u00ed.2.       P\u016fj\u010d\u00edte-li si u banky ne\u00fa\u010delov\u011b, stejn\u011b jako v p\u0159edchoz\u00edm a n\u00e1sleduj\u00edc\u00edm p\u0159\u00edpad\u011b, nemus\u00edte skl\u00e1dat p\u0159edem \u017e\u00e1dnou hotovost. Nebudete ani (jak u\u017e z n\u00e1zvu vypl\u00fdv\u00e1) dokl\u00e1dat, na co pen\u00edze pou\u017eijete.Oslov\u00edte-li \u010ceskou spo\u0159itelnu, m\u016f\u017eete dostat 325 000 K\u010d s m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou 4 749 K\u010d na 7 let a 6 m\u011bs\u00edc\u016f. RPSN dosahuje na 8,2 %. Nav\u00edc zaplat\u00edte 110 602 K\u010d.3.       Za\u017e\u00e1d\u00e1te-li si o \u00fa\u010delovou bankovn\u00ed p\u016fj\u010dku, m\u011bla by na V\u00e1s \u010dekat lep\u0161\u00ed \u00farokov\u00e1 sazba. Ne v\u017edy tomu tak je. Nav\u00edc budete muset absolvovat dal\u0161\u00ed n\u00e1v\u0161t\u011bvu banky kv\u016fli dokl\u00e1d\u00e1n\u00ed \u00fa\u010delu \u00fav\u011bru. Popt\u00e1te-li Equabank, z\u00edsk\u00e1te 325 400 K\u010d s m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou 4 501 K\u010d na 8 let a 8 m\u011bs\u00edc\u016f. Nav\u00edc zaplat\u00edte 148 104 K\u010d s RPSN 9,28 %. Co\u017e je nemil\u00e9 p\u0159ekvapen\u00ed v porovn\u00e1n\u00ed s ne\u00fa\u010delovou p\u016fj\u010dkou od \u010cS.4.       U prodejce aut po\u010d\u00edtejte s akontac\u00ed. \u010c\u00e1st ceny budete muset d\u00e1t ze sv\u00e9ho. Reprezentativn\u011b zkus\u00edme slo\u017eit 10 % z 325 400 K\u010d, tj. 32 540 K\u010d. M\u00e1me pak mo\u017enost spl\u00e1cet m\u011bs\u00ed\u010dn\u011b \u00fav\u011br 5 035 K\u010d po dobu 6 let. Nav\u00edc tedy d\u00e1te 69 660 K\u010d. M\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stka V\u00e1m naroste o poji\u0161t\u011bn\u00ed, kter\u00e9 byste stejn\u011b platili.Je-li pro V\u00e1s koup\u011b auta aktu\u00e1ln\u00edm t\u00e9matem, ov\u011b\u0159te si konkr\u00e9tn\u00ed nab\u00eddky. Pr\u016fzkumem finan\u010dn\u00edho trhu m\u016f\u017eete u\u0161et\u0159it desetitis\u00edce korun.                                                                                                                                                                                                                                                                                                                                                                                        4.4\/5 - (10 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Kde vz\u00edt na auto a nekr\u00e1st","item":"https:\/\/www.wispra.cz\/kde-vzit-na-auto-a-nekrast\/#breadcrumbitem"}]}]