[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.sras.cz\/na-splatky-nebo-na-leasing\/#Article","mainEntityOfPage":"https:\/\/www.sras.cz\/na-splatky-nebo-na-leasing\/","headline":"Na spl\u00e1tky nebo na leasing?","name":"Na spl\u00e1tky nebo na leasing?","description":"T\u00e1pete, ? U\u017e nemus\u00edte. A jak\u00fd je v tom vlastn\u011b rozd\u00edl? Na prvn\u00ed pohled \u017e\u00e1dn\u00fd. U obou mo\u017enost\u00ed si po\u0159\u00edd\u00edte n\u011bco, na co moment\u00e1ln\u011b finan\u010dn\u011b nedos\u00e1hnete. Ale pozor, rozd\u00edl to je. A jak\u00fd to je tedy rozd\u00edl?
 Z\u00e1kladn\u00ed rozd\u00edl je v tom, kde a jak\u00fdm zp\u016fsobem uzav\u00edr\u00e1te smlouvu, jak\u00e9 jsou smluvn\u00ed podm\u00ednky, jak vysok\u00e9 \u00faroky […]","datePublished":"2019-03-21","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.sras.cz\/author\/#Person","name":"sras.cz","url":"https:\/\/www.sras.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b72fc1bf1bf254b4118ef99c1da35a199f5a8e7c33c2166eae92618994df57ea?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"sras.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.sras.cz\/wp-content\/uploads\/img_a341385_w2414_t1554030982.jpg","url":"https:\/\/www.sras.cz\/wp-content\/uploads\/img_a341385_w2414_t1554030982.jpg","height":0,"width":0},"url":"https:\/\/www.sras.cz\/na-splatky-nebo-na-leasing\/","about":["Finance"],"wordCount":472,"articleBody":"T\u00e1pete, ? U\u017e nemus\u00edte. A jak\u00fd je v tom vlastn\u011b rozd\u00edl? Na prvn\u00ed pohled \u017e\u00e1dn\u00fd. U obou mo\u017enost\u00ed si po\u0159\u00edd\u00edte n\u011bco, na co moment\u00e1ln\u011b finan\u010dn\u011b nedos\u00e1hnete. Ale pozor, rozd\u00edl to je. A jak\u00fd to je tedy rozd\u00edl?
 Z\u00e1kladn\u00ed rozd\u00edl je v tom, kde a jak\u00fdm zp\u016fsobem uzav\u00edr\u00e1te smlouvu, jak\u00e9 jsou smluvn\u00ed podm\u00ednky, jak vysok\u00e9 \u00faroky jsou i s k\u00fdm uzav\u00edr\u00e1te smlouvu.
 P\u0159i prodeji na spl\u00e1tky, kter\u00fd je v dne\u0161n\u00ed dob\u011b zcela b\u011b\u017en\u00fd u v\u011bt\u0161iny prod\u00e1van\u00e9ho zbo\u017e\u00ed, nej\u010dast\u011bji u elektroniky \u010dern\u00e9 i b\u00edl\u00e9, uzav\u00edr\u00e1te smlouvu p\u0159\u00edmo na prodejn\u011b, kde podep\u00ed\u0161ete smlouvu, kter\u00e1 je uzav\u0159en\u00e1 s n\u011bjakou nebankovn\u00ed spole\u010dnost\u00ed a ne s obchodn\u00edkem, se kter\u00fdm ji uzav\u00edr\u00e1te.
 Ten je pouh\u00fdm zprost\u0159edkovatelem. Dost \u010dasto se zde lid\u00e9 nachytaj\u00ed na v\u00fdhodn\u011b vypadaj\u00edc\u00ed nab\u00eddku, kter\u00e1 ov\u0161em a\u017e tak v\u00fdhodn\u00e1 neb\u00fdv\u00e1. Kupovanou v\u011bc \u010dasto o mnoho procent p\u0159eplat\u00edte, nez\u0159\u00eddka i o v\u00edce ne\u017e pades\u00e1t procent. \u010casto zde b\u00fdv\u00e1 tak\u00e9 takov\u00fd mal\u00fd chyt\u00e1k pro z\u00e1kazn\u00edky v podob\u011b uv\u00e1d\u011bn\u00ed ceny spl\u00e1tek ne m\u011bs\u00ed\u010dn\u011b, ale t\u00fddn\u011b, to sam\u00e9 se potom d\u011bje s \u00faroky. A V\u00e1m nezb\u00fdv\u00e1 nic jin\u00e9ho, ne\u017e platit a platit, proto\u017ee p\u0159ed\u010dasn\u00e9 splacen\u00ed je dra\u017e\u0161\u00ed, ne\u017e to doplatit podle p\u016fvodn\u00edch spl\u00e1tek. V\u00e1\u0161 nov\u00fd telefon za deset tis\u00edc, V\u00e1s v kone\u010dn\u00e9m v\u00fdsledku st\u00e1l dvacet tis\u00edc. A jen co m\u00e1te doplaceno, kon\u010d\u00ed mu z\u00e1ruka a vz\u00e1p\u011bt\u00ed p\u0159est\u00e1v\u00e1 fungovat. Po celou dobu je finan\u010dn\u00ed str\u00e1nka \u00fadr\u017eby a oprav na V\u00e1s, Vy jste majitel. A Vy si m\u016f\u017eete p\u016fj\u010dit a spl\u00e1cet znovu. V\u00fdborn\u00fd obchod, tedy pro tu nebankovn\u00ed spole\u010dnost.
 A co tedy prodej na leasing? Co to je leasing? Je to tak\u00e9 zp\u016fsob p\u016fj\u010dky. Ov\u0161em zde jde pon\u011bkud o v\u011bt\u0161\u00ed \u010d\u00e1stky a v\u011bt\u0161\u00ed v\u011bci, na kter\u00e9 si p\u016fj\u010dujete. Na leasing se pro b\u011b\u017en\u00e9ho z\u00e1kazn\u00edka prod\u00e1vaj\u00ed automobily. Pro spole\u010dnosti potom stroje, vybaven\u00ed a jin\u00e9 za\u0159\u00edzen\u00ed. Tento druh p\u016fj\u010dky je uzav\u00edr\u00e1n s leasingovou spole\u010dnost\u00ed. M\u00e1 obvykle men\u0161\u00ed \u00faroky, ne\u017e spl\u00e1tkov\u00fd prodej a je na del\u0161\u00ed dobu. Po celou dobu spl\u00e1cen\u00ed je p\u0159edm\u011bt majetkem leasingov\u00e9 spole\u010dnosti a jeho \u00fadr\u017eby a opravy jdou na jejich \u00fa\u010det, nikoli V\u00e1\u0161. Majitelem p\u0159edm\u011btu leasingu se st\u00e1v\u00e1te a\u017e po splacen\u00ed cel\u00e9ho leasingu, tedy pokud to nebyl leasing operativn\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Na spl\u00e1tky nebo na leasing?","item":"https:\/\/www.sras.cz\/na-splatky-nebo-na-leasing\/#breadcrumbitem"}]}]