{"id":7695,"date":"2018-03-14T14:58:02","date_gmt":"2018-03-14T13:58:02","guid":{"rendered":"https:\/\/financer.com\/cz\/?page_id=7695"},"modified":"2024-01-18T01:18:04","modified_gmt":"2024-01-18T00:18:04","slug":"leasing","status":"publish","type":"wiki","link":"https:\/\/financer.com\/cz\/wiki\/leasing\/","title":{"rendered":"Leasing"},"content":{"rendered":"\n<p>Leasing je <strong>finan\u010dn\u00ed slu\u017eba, kter\u00e1 umo\u017e\u0148uje z\u00edskat pot\u0159ebn\u00fd majetek, <\/strong>ani\u017e by bylo nutn\u00e9 ho kupovat na vlastn\u00ed n\u00e1klady. Leasingov\u00e1 smlouva se uzav\u00edr\u00e1 mezi leasingovou spole\u010dnost\u00ed, jako poskytovatelem leasingu, a klientem, jako u\u017eivatelem leasingovan\u00e9ho majetku. <\/p>\n\n\n\n<p>Leasing se <strong>vyu\u017e\u00edv\u00e1 p\u0159edev\u0161\u00edm k po\u0159\u00edzen\u00ed drah\u00fdch aktiv, <\/strong>jako jsou nap\u0159\u00edklad automobily, stroje a za\u0159\u00edzen\u00ed, budovy \u010di pozemky. Tato slu\u017eba se stala velmi obl\u00edbenou zejm\u00e9na pro firmy, kter\u00e9 cht\u011bj\u00ed sv\u00e9 finance optimalizovat a zajistit si flexibilitu p\u0159i vyu\u017e\u00edv\u00e1n\u00ed pot\u0159ebn\u00e9ho majetku. <\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div>Historie leasingu sah\u00e1 a\u017e do starov\u011bku, kdy byl pou\u017e\u00edv\u00e1n jako zp\u016fsob financov\u00e1n\u00ed n\u00e1kupu zem\u011bd\u011blsk\u00fdch plodin. V dne\u0161n\u00ed dob\u011b se v\u0161ak leasing <strong>st\u00e1v\u00e1 st\u00e1le popul\u00e1rn\u011bj\u0161\u00edm zp\u016fsobem financov\u00e1n\u00ed <\/strong>\nejen pro podnikatele, ale i pro soukrom\u00e9 osoby.<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Typy_leasing\">Typy leasing\u016f<\/h2>\n\n\n\n<p>Existuje n\u011bkolik druh\u016f leasingu, kter\u00e9 se li\u0161\u00ed sv\u00fdm \u00fa\u010delem a zp\u016fsobem fungov\u00e1n\u00ed. My se v na\u0161em \u010dl\u00e1nku budeme zab\u00fdvat p\u0159edev\u0161\u00edm t\u011bmi nejb\u011b\u017en\u011bj\u0161\u00edmi.<\/p>\n\n\n<h3><\/h3><br><ul><li><strong>Operativn\u00ed leasing. <\/strong>Tento druh leasingu je ur\u010den pro za\u0159\u00edzen\u00ed a stroje, kter\u00e9 se pou\u017e\u00edvaj\u00ed b\u011bhem kr\u00e1tk\u00e9 doby. P\u0159i operativn\u00edm leasingu se leasingov\u00e1 spole\u010dnost st\u00e1v\u00e1 vlastn\u00edkem leasingovan\u00e9ho majetku a klient si ho pouze pronaj\u00edm\u00e1 na dobu ur\u010ditou. Po skon\u010den\u00ed leasingov\u00e9 smlouvy se majetek vrac\u00ed leasingov\u00e9 spole\u010dnosti.<\/li><li><strong>Finan\u010dn\u00ed leasing.<\/strong> Tento druh leasingu se pou\u017e\u00edv\u00e1 p\u0159edev\u0161\u00edm pro dlouhodob\u011bj\u0161\u00ed vyu\u017e\u00edv\u00e1n\u00ed majetku, jako jsou nap\u0159\u00edklad budovy nebo automobily. P\u0159i finan\u010dn\u00edm leasingu se n\u00e1jemce st\u00e1v\u00e1 form\u00e1ln\u00edm vlastn\u00edkem leasingovan\u00e9ho majetku, av\u0161ak ve skute\u010dnosti z\u016fst\u00e1v\u00e1 vlastnictv\u00ed u leasingov\u00e9 spole\u010dnosti. N\u00e1jemce se zavazuje k \u00fahrad\u011b spl\u00e1tek leasingov\u00e9ho \u00fav\u011bru a po skon\u010den\u00ed leasingov\u00e9 smlouvy m\u00e1 mo\u017enost majetek odkoupit.<\/li><li><strong>N\u00e1jemn\u00ed smlouva.<\/strong> Tento druh leasingu se pou\u017e\u00edv\u00e1 p\u0159edev\u0161\u00edm pro pron\u00e1jem nebytov\u00fdch prostor, jako jsou kancel\u00e1\u0159e nebo sklady. P\u0159i n\u00e1jemn\u00ed smlouv\u011b se st\u00e1v\u00e1 vlastn\u00edkem n\u00e1jemn\u00edk, kter\u00fd si prostory pronaj\u00edm\u00e1 na dobu ur\u010ditou a plat\u00ed n\u00e1jemn\u00e9. Po skon\u010den\u00ed smlouvy se prostory vrac\u00ed vlastn\u00edkovi.<\/li><\/ul>\n\n\n<h2 class=\"wp-block-heading\" id=\"Leasing_na_auto\">Leasing na auto<\/h2>\n\n\n\n<p>Je to b\u011b\u017en\u011b zn\u00e1m\u00e1<strong> mo\u017enost, jak si zafinancovat sv\u00e9 nov\u00e9 vozidlo. <\/strong>Auto z\u016fst\u00e1v\u00e1 b\u011bhem doby trv\u00e1n\u00ed smlouvy v majetku leasingov\u00e9 spole\u010dnosti a vy j\u00ed plat\u00edte m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky za pron\u00e1jem. V z\u00e1sad\u011b splat\u00edte celou hodnotu auta.<\/p>\n\n\n\n<p>T\u00edmto zp\u016fsobem z\u016fst\u00e1v\u00e1 <strong>auto b\u011bhem spl\u00e1cen\u00ed jako pojistka pro p\u0159\u00edpad, \u017ee byste m\u011bli pot\u00ed\u017ee se spl\u00e1cen\u00edm. <\/strong>Pr\u00e1v\u011b z tohoto d\u016fvodu po v\u00e1s v\u011bt\u0161inou nikdo nebude po\u017eadovat n\u011bjakou z\u00e1ruku nebo ru\u010ditele, proto\u017ee se ru\u010d\u00ed pr\u00e1v\u011b vozidlem. Na konci smlouvy p\u0159ejde do va\u0161eho osobn\u00edho vlastnictv\u00ed.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><strong>B\u011bhem t\u00e9to doby jste za auto zcela zodpov\u011bdn\u00ed.<\/strong>\u00a0P\u0159eci jen na konci smlouvy bude va\u0161e a budete s n\u00edm cht\u00edt n\u011bjakou dobu pot\u00e9 je\u0161t\u011b jezdit. To pro v\u00e1s znamen\u00e1 hl\u00eddat si t\u0159eba <a href=\"https:\/\/financer.com\/cz\/pojisteni\/\" data-rich-text-format-boundary=\"true\">poji\u0161t\u011bn\u00ed<\/a>, pravideln\u00e9 prohl\u00eddky, pravideln\u011b p\u0159ezouvat na zimu a celkov\u011b se o sv\u00e9 auto dob\u0159e starat.<\/div>\n\n\n<p><strong>Smlouva se obvykle uzav\u00edr\u00e1 na del\u0161\u00ed dobu,<\/strong> proto\u017ee sv\u00fdm zp\u016fsobem spl\u00e1c\u00edte celou hodnotu vozu. Pravideln\u00e9 spl\u00e1tky se tak mohou nat\u00e1hnout na del\u0161\u00ed dobu tak, aby jejich v\u00fd\u0161e zbyte\u010dn\u011b neohrozila v\u00e1\u0161 <a href=\"https:\/\/financer.com\/cz\/osobni-finance\/financni-gramotnost\/rodinny-rozpocet\/\">rodinn\u00fd rozpo\u010det<\/a>.<\/p>\n\n\n\n<p>P\u0159i leasingu<strong> jezd\u00edte v pronajat\u00e9m aut\u011b, kter\u00e9 po skon\u010den\u00ed smlouvy p\u0159ejde do va\u0161eho vlastnictv\u00ed. <\/strong>B\u011bhem t\u00e9to doby tak pomoc\u00ed leasingov\u00fdch spl\u00e1tek plat\u00edte za auto finan\u010dn\u00ed n\u00e1jem a jakmile va\u0161e smlouva skon\u010d\u00ed, stanete se majitelem vozidla.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div>\nV z\u00e1klad\u011b jsou u n\u00e1s pro po\u0159\u00edzen\u00ed vozidel dva druhy &#8211; a to (finan\u010dn\u00ed) leasing na auto a operativn\u00ed leasing. Ten prvn\u00ed znamen\u00e1, \u017ee m\u00e1te auto na n\u011bjak\u00fd \u010das pronajat\u00e9 a <strong>\nakonec skon\u010d\u00ed ve va\u0161em vlastnictv\u00ed. <\/strong>\n \nTen druh\u00fd znamen\u00e1, \u017ee auto m\u00e1te na n\u011bjakou dobu pronajat\u00e9, ale <strong>\na konci smlouvy z\u016fstane st\u00e1le ve vlastnictv\u00ed spole\u010dnosti. <\/strong>V\u00fdm\u011bnou za to jsou ale ni\u017e\u0161\u00ed pravideln\u00e9 spl\u00e1tky.\n<strong>Samoz\u0159ejm\u011b p\u0159i po\u0159izov\u00e1n\u00ed nov\u00e9ho auta nemus\u00edte vyu\u017e\u00edt jen leasing.<\/strong> Existuj\u00ed tak\u00e9 v\u00fdhodn\u011b <a href=\"https:\/\/financer.com\/cz\/pujcky\/pujcka-na-auto\/\">p\u016fj\u010dky na auto.<\/a>\n<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Auto_na_leasing_podmnky\">Auto na leasing podm\u00ednky<\/h3>\n\n\n\n<p>Konkr\u00e9tn\u00ed podm\u00ednky <strong>budou z\u00e1le\u017eet na po\u017eadovan\u00e9 v\u00fd\u0161i \u010d\u00e1stky leasingu. <\/strong>Plat\u00ed v\u0161ak ur\u010dit\u00e1 pravidla, bez dodr\u017een\u00ed kter\u00fdch leasing nez\u00edsk\u00e1te. Ve srovn\u00e1n\u00ed s jin\u00fdmi druhy financov\u00e1n\u00ed jsou benevolentn\u011bj\u0161\u00ed ai proto se leasing t\u011b\u0161\u00ed v\u011bt\u0161\u00ed oblib\u011b.<\/p>\n\n\n\n<p>Pro z\u00edsk\u00e1n\u00ed leasingu na financov\u00e1n\u00ed a koupi automobilu je t\u0159eba splnit dv\u011b z\u00e1kladn\u00ed podm\u00ednky, kter\u00fdmi je <strong>pravideln\u00fd dokladovan\u00fd m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjem a slo\u017een\u00ed pot\u0159ebn\u00e9 akontace p\u0159i p\u0159eb\u00edr\u00e1n\u00ed vozidla.<\/strong><\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div>Pt\u00e1te se, co je to akontace? Je j\u00ed naz\u00fdv\u00e1na <strong>\u010d\u00e1stka z celkov\u00e9 hodnoty kupovan\u00e9ho vozidla, <\/strong>vyj\u00e1d\u0159en\u00e1 v procentech. Akontaci je t\u0159eba slo\u017eit jako prvn\u00ed spl\u00e1tku a ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se pohybuje na \u00farovni od 25 \u2013 37 % z fin\u00e1ln\u00ed hodnoty leasingu.<\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>Rychl\u00e9 vy\u0159\u00edzen\u00ed a posouzen\u00ed \u017e\u00e1dosti o leasing<\/p>\n<\/li><li>\n<p>Kr\u00e1tk\u00e1 \u010dekac\u00ed doba na poskytnut\u00ed \u00fav\u011bru<\/p>\n<\/li><li>\n<p>Minim\u00e1ln\u00ed dokumentace<\/p>\n<\/li><li>\n<p>\u00dav\u011brov\u00e9 zat\u00ed\u017een\u00ed nen\u00ed p\u0159ek\u00e1\u017ekou<\/p>\n<\/li><li>\n<p>Nepot\u0159ebujete ru\u010dit majetkem<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>B\u011bhem \u010derp\u00e1n\u00ed leasingu nejste majitelem vozidla<\/p>\n<\/li><li>\n<p>Vy\u017eadovan\u00e1 akontace v hodnot\u011b p\u0159ibli\u017en\u011b 25 \u2013 37 % z celkov\u00e9 hodnoty<\/p>\n<\/li><li>\n<p>P\u0159i dlouhodob\u00e9m spl\u00e1cen\u00ed se m\u016f\u017ee celkov\u00e1 \u010d\u00e1stka prodra\u017eit<\/p>\n<\/li><li>\n<p>Slo\u017eit\u00e9 odstoupen\u00ed od leasingu v p\u0159\u00edpad\u011b neschopnosti spl\u00e1cet<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Operativn_leasing\">Operativn\u00ed leasing<\/h2>\n\n\n\n<p>Ve srovn\u00e1n\u00ed s klasick\u00fdm leasingem na auto, <strong>operativn\u00ed leasing se obvykle sjedn\u00e1v\u00e1 na mnohem krat\u0161\u00ed dobu.<\/strong> Na konci smlouvy auto vr\u00e1t\u00edte a vy\u017e\u00e1d\u00e1te si nov\u00e9. <\/p>\n\n\n\n<p>Proto\u017ee bude vozidlo st\u00e1le z\u016fst\u00e1vat v majetku leasingov\u00e9 firmy, bude moci po\u010d\u00edtat s jeho n\u011bjakou z\u016fstatkovou hodnotou. <strong>Firma tak potom bude moci auto prodat,<\/strong> a pr\u00e1v\u011b o tuto \u010d\u00e1stku vych\u00e1z\u00ed operativn\u00ed leasing levn\u011bji.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box info\"><div class=\"fn_block__icon\"><\/div><em>Dejme tomu, \u017ee si po\u0159izujete auto v hodnot\u011b p\u011bt set tis\u00edc &#8211; u b\u011b\u017en\u00e9ho leasingu splat\u00edte b\u011bhem \u010dty\u0159 a\u017e sedmi let<\/em> <em>celou \u010d\u00e1stku.<\/em>\n<em>U jeho operativn\u00ed verze se d\u00e1 p\u0159edpokl\u00e1dat, \u017ee vozidlo bude m\u00edt st\u00e1le za dva a\u017e \u010dty\u0159i roky n\u011bjakou podstatnou hodnotu, t\u0159eba dv\u011b st\u011b tis\u00edc. Spl\u00e1tky se v\u00e1m tak budou rozpo\u010d\u00edt\u00e1vat jen z t\u00e9to pomysln\u00e9 hodnoty t\u0159i sta tis\u00edc.<\/em><\/div>\n\n\n<p>Jeho v\u00fdhody jsou hlavn\u011b v tom, \u017ee t\u0159eba <strong>nebezpe\u010dn\u00ed \u0161kody, investi\u010dn\u00ed riziko i riziko poklesu tr\u017en\u00ed hodnoty na sob\u011b nese spole\u010dnost.<\/strong> Ve spl\u00e1tk\u00e1ch je tak\u00e9 u\u017e zahrnut\u00e9 <a href=\"https:\/\/financer.com\/cz\/pojisteni\/povinne-ruceni\/\">povinn\u00e9 ru\u010den\u00ed<\/a> a <a href=\"https:\/\/financer.com\/cz\/pojisteni\/havarijni\/\">havarijn\u00ed poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n\n\n\n<p>Velkou nev\u00fdhodou je ale to, \u017ee<strong> p\u0159i vr\u00e1cen\u00ed vozidla ke konci smlouvy bude leasingov\u00e1 spole\u010dnost hledat v\u0161elijak\u00e9 z\u00e1vady, <\/strong>kter\u00e9 v\u00e1m n\u00e1sledn\u011b vy\u00fa\u010dtuje k doplacen\u00ed. To sam\u00e9 plat\u00ed i p\u0159i nedodr\u017een\u00ed po\u010dtu kilometr\u016f. Pokud najezd\u00edte v\u00edce, budete dopl\u00e1cet za ka\u017ed\u00fd kilometr najet\u00fd nad p\u016fvodn\u011b sjednan\u00fd limit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Operativn_leasing_podmnky\">Operativn\u00ed leasing podm\u00ednky<\/h3>\n\n\n\n<p>Operativn\u00ed leasing <strong>tvo\u0159\u00ed ur\u010dit\u00e1 pravidla, kter\u00e1 je t\u0159eba respektovat.<\/strong> S podm\u00ednkami ve smlouv\u011b je t\u0159eba se sezn\u00e1mit a ur\u010dit\u011b se nevypl\u00e1c\u00ed je podce\u0148ovat.<\/p>\n\n\n\n<p><strong>Dob\u0159e si prostudujte v\u0161echny slevy, informace <\/strong>o z\u016fstatkov\u00e9 hodnot\u011b vozidla, jako\u017e i v\u0161echna povolen\u00e1 \u201epo\u0161kozen\u00ed\u201c, se kter\u00fdmi m\u016f\u017eete jako z\u00e1kazn\u00edk vr\u00e1tit auto zp\u011bt leasingov\u00e9 spole\u010dnosti. Stejn\u011b tak vstupn\u00ed podm\u00ednky, jako nap\u0159\u00edklad n\u00e1jezd kilometr\u016f vozidla, abyste nebyli pozd\u011bji nep\u0159\u00edjemn\u011b p\u0159ekvapeni.<\/p>\n\n\n\n<p><strong>Pozornost zvy\u0161te i p\u0159i v\u00fd\u0161i m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky za pron\u00e1jem automobilu.<\/strong> V\u00fdsledn\u00e1 m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stka operativn\u00edho leasingu je sou\u010dtem v\u00edce polo\u017eek, jako nap\u0159\u00edklad slu\u017eby, poji\u0161t\u011bn\u00ed, servis, tankovac\u00ed karty, n\u00e1hradn\u00ed vozidlo nebo v\u00fdm\u011bna pneumatik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Vhody_a_nevhody\">V\u00fdhody a nev\u00fdhody<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li>\n<p>Neplat\u00edte akontaci<\/p>\n<\/li><li>\n<p>S vozidlem nem\u00e1te \u017e\u00e1dn\u00e9 starosti<\/p>\n<\/li><li>\n<p>Vozidlo nemus\u00edte odkoupit<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li>\n<p>Vozidlo nebudete nikdy vlastnit<\/p>\n<\/li><li>\n<p>\u010casto omezen\u00fd po\u010det km<\/p>\n<\/li><li>\n<p>Mo\u017en\u00e1 platba kauce<\/p>\n<\/li><li>\n<p>Drah\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed<\/p>\n<\/li><\/ul><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Full_service_leasing\">Full-service leasing<\/h2>\n\n\n\n<p><strong>Obecn\u011b lze napsat, \u017ee leasing je pro klienta pohodln\u011bj\u0161\u00ed.<\/strong> Mnoho v\u011bc\u00ed, kter\u00e9 by jako majitel auta musel \u0159e\u0161it s\u00e1m za n\u011bj vy\u0159\u00edd\u00ed leasingov\u00e1 spole\u010dnost. Tato slu\u017eba je dota\u017een\u00e1 k dokonalosti ve full-service leasingu. Full &#8211; service se z angli\u010dtiny p\u0159ekl\u00e1d\u00e1, jako kompletn\u00ed slu\u017eby. To znamen\u00e1, \u017ee se nemus\u00edte starat v\u016fbec o nic. S autem pouze jezd\u00edte.<\/p>\n\n\n\n<p>Je v\u0161ak t\u0159eba si uv\u011bdomit, \u017ee<strong> nic nen\u00ed zadarmo a i za slu\u017eby leasingov\u00fdch spole\u010dnost\u00ed plat\u00edte.<\/strong> Tyto poplatky jsou sou\u010d\u00e1st\u00ed pravideln\u00fdch spl\u00e1tek, kter\u00e9 leasingov\u00e9 spole\u010dnosti pos\u00edl\u00e1te.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><strong>U full &#8211; service leasingu zaji\u0161\u0165uje leasingov\u00e1 spole\u010dnost skute\u010dn\u011b v\u0161e.<\/strong> Na z\u00e1kazn\u00edkovi je pak u\u017e jen \u0159\u00edzen\u00ed a dopl\u0148ov\u00e1n\u00ed paliva. Spole\u010dnost se tak star\u00e1 o kompletn\u00ed technick\u00e9 slu\u017eby, jako je pneuservis, technick\u00e9 kontroly, servis, n\u00e1hradn\u00ed vozidlo a n\u011bkdy i \u010derp\u00e1n\u00ed a vy\u00fa\u010dtov\u00e1v\u00e1n\u00ed pohonn\u00fdch hmot.\nD\u00e1le t\u0159eba i <a href=\"https:\/\/financer.com\/cz\/pojisteni\/\">poji\u0161t\u011bn\u00ed<\/a>, da\u0148ov\u00e9 slu\u017eby, nebo r\u016fzn\u00e9 registrace. <strong>V\u011bt\u0161inou se vyplat\u00ed jen velk\u00fdm firm\u00e1m a p\u0159i v\u011bt\u0161\u00edm po\u010dtu aut,<\/strong> proto\u017ee je dost n\u00e1kladn\u00fd. Na druhou stranu s n\u00edm nejsou \u017e\u00e1dn\u00e9 v\u011bt\u0161\u00ed starosti a z\u00e1kazn\u00edk skute\u010dn\u011b jen jezd\u00ed.<\/div>\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"asto_kladen_dotazy\">\u010casto kladen\u00e9 dotazy<\/h3><h4>Co je leasing?<\/h4><div class=\"faq_inner\">Leasing je forma dlouhodob\u00e9ho pron\u00e1jmu, p\u0159i kter\u00e9 se z\u00e1kazn\u00edk zavazuje platit pravideln\u00e9 spl\u00e1tky za pron\u00e1jem v\u011bci, kterou si p\u016fj\u010duje (nap\u0159. automobil, stroj, nemovitost).<\/div><h4>Jak funguje leasing na auto?<\/h4><div class=\"faq_inner\">Jedn\u00e1 se o pom\u011brn\u011b b\u011b\u017en\u00fd zp\u016fsob zafinancov\u00e1n\u00ed vozidla. Auto z\u016fst\u00e1v\u00e1 b\u011bhem doby trv\u00e1n\u00ed smlouvy v majetku leasingov\u00e9 spole\u010dnosti a vy j\u00ed plat\u00edte m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky za pron\u00e1jem.<\/div><h4>Jak\u00fd je rozd\u00edl mezi klasick\u00fdm leasingem na auto a operativn\u00edm leasingem?<\/h4><div class=\"faq_inner\">Ten prvn\u00ed znamen\u00e1, \u017ee m\u00e1te auto na n\u011bjak\u00fd \u010das pronajat\u00e9 a nakonec skon\u010d\u00ed ve va\u0161em vlastnictv\u00ed. Ten druh\u00fd znamen\u00e1, \u017ee auto m\u00e1te na n\u011bjakou dobu pronajat\u00e9, ale na konci smlouvy z\u016fstane st\u00e1le ve vlastnictv\u00ed spole\u010dnosti.\u00a0<\/div><h4>Jak\u00e9 jsou v\u00fdhody operativn\u00edho leasingu?<\/h4><div class=\"faq_inner\">Nespornou v\u00fdhodou operativn\u00edho leasingu je, \u017ee auto neplat\u00edte cel\u00fd, ale pouze rozd\u00edl mezi po\u0159izovac\u00ed a z\u016fstatkovou cenou auta po jeho vr\u00e1cen\u00ed. V cen\u011b je v\u017edy povinn\u00e9 ru\u010den\u00ed a havarijn\u00ed poji\u0161t\u011bn\u00ed. D\u00e1le v cen\u011b operativn\u00edho leasingu m\u016f\u017eete m\u00edt nav\u00edc servis, povinn\u00e9 garan\u010dn\u00ed prohl\u00eddky a zimn\u00ed pneumatiky, tak\u017ee se o \u00fadr\u017ebu auta nemus\u00edte v\u016fbec starat a jenom jezd\u00edte.<\/div><h4>Co je pot\u0159eba dolo\u017eit pro z\u00edsk\u00e1n\u00ed operativn\u00edho leasingu?<\/h4><div class=\"faq_inner\">Operativn\u00ed leasing je ur\u010den jak podnikatel\u016fm a firm\u00e1m, tak soukrom\u00fdm osob\u00e1m. U soukrom\u00fdch osob je standardn\u011b pot\u0159eba dolo\u017eit kopii dvou platn\u00fdch doklad\u016f toto\u017enosti a potvrzen\u00ed o v\u00fd\u0161i p\u0159\u00edjm\u016f za posledn\u00ed t\u0159i m\u011bs\u00edce. U pr\u00e1vnick\u00fdch osob je nutn\u00e9 dolo\u017eit rozvahu a v\u00fdkaz zisk\u016f a ztr\u00e1t za posledn\u00ed dva roky a u podnikatel\u016f da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed za uplynul\u00e9 dva roky. Podm\u00ednky se v\u0161ak mohou li\u0161it v z\u00e1vislosti na poskytovateli.<\/div><h4>Jak dlouho trv\u00e1 vy\u0159\u00edzen\u00ed operativn\u00edho leasingu?<\/h4><div class=\"faq_inner\">Z\u00edsk\u00e1n\u00ed auta na operativn\u00ed leasing p\u0159edch\u00e1z\u00ed podobn\u00fd proces jako p\u0159i \u017e\u00e1dosti o standardn\u00ed \u00fav\u011br. Pro schv\u00e1len\u00ed operativn\u00edho leasingu je pot\u0159eba dolo\u017eit sv\u00e9 p\u0159\u00edjmy, pop\u0159. dal\u0161\u00ed doklady, kter\u00e9 po v\u00e1s bude leasingov\u00e1 spole\u010dnost po\u017eadovat. Samotn\u00fd proces schv\u00e1len\u00ed potom trv\u00e1 standardn\u011b 5 \u2013 8 pracovn\u00edch dn\u00ed. Z\u00edsk\u00e1n\u00ed nov\u00e9ho auta z\u00e1le\u017e\u00ed tak\u00e9 na jeho dostupnosti. Pokud je auto skladem, tak ho m\u016f\u017eete m\u00edt v \u0159\u00e1d\u016f dn\u016f od schv\u00e1len\u00ed operativn\u00edho leasingu.\u00a0<\/div><\/div>","protected":false},"author":16452,"featured_media":7696,"comment_status":"open","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":[1196],"_links":{"self":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/wiki\/7695"}],"collection":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/wiki"}],"about":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/types\/wiki"}],"author":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/users\/16452"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/comments?post=7695"}],"version-history":[{"count":49,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/wiki\/7695\/revisions"}],"predecessor-version":[{"id":51441,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/wiki\/7695\/revisions\/51441"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media\/7696"}],"wp:attachment":[{"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/media?parent=7695"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.com\/cz\/wp-json\/wp\/v2\/categories?post=7695"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}