{"id":1597,"date":"2024-07-02T14:51:18","date_gmt":"2024-07-02T14:51:18","guid":{"rendered":"https:\/\/capila.io\/?p=1597"},"modified":"2024-07-02T14:51:18","modified_gmt":"2024-07-02T14:51:18","slug":"guide-to-car-financing-in-slovakia-everything-you-need-to-know","status":"publish","type":"post","link":"https:\/\/capila.io\/sk\/2024\/07\/02\/guide-to-car-financing-in-slovakia-everything-you-need-to-know\/","title":{"rendered":"Sprievodca financovan\u00edm auta na Slovensku: V\u0161etko, \u010do potrebujete vedie\u0165"},"content":{"rendered":"

K\u00fapa auta je pre mnoh\u00fdch jednotlivcov i firmy v\u00fdznamn\u00fdm rozhodnut\u00edm, ktor\u00e9 si vy\u017eaduje d\u00f4kladn\u00e9 zv\u00e1\u017eenie v\u0161etk\u00fdch mo\u017enost\u00ed financovania. V tomto \u010dl\u00e1nku sa pozrieme na r\u00f4zne sp\u00f4soby financovania auta na Slovensku a zanalyzujeme ich v\u00fdhody a nev\u00fdhody z pr\u00e1vneho, da\u0148ovo-\u00fa\u010dtovn\u00e9ho a ekonomick\u00e9ho h\u013eadiska.<\/strong><\/p>\n

<\/h3>\n

Priama K\u00fapa v Hotovosti<\/h3>\n

Priama k\u00fapa auta v hotovosti predstavuje jednu z najjednoduch\u0161\u00edch foriem obstarania vozidla. Z pr\u00e1vneho h\u013eadiska je v\u00fdhodou, \u017ee vlastn\u00edctvo auta okam\u017eite prech\u00e1dza na kupuj\u00faceho, \u010do eliminuje rizik\u00e1 spojen\u00e9 s leasingom alebo \u00faverom.<\/p>\n

Z poh\u013eadu da\u0148ovo-\u00fa\u010dtovn\u00e9ho poskytuje t\u00e1to mo\u017enos\u0165 pln\u00fa kontrolu nad majetkom, \u010do umo\u017e\u0148uje jednoduch\u00e9 vedenie \u00fa\u010dtovn\u00edctva a da\u0148ov\u00e9 odpisy pod\u013ea aktu\u00e1lnych predpisov.<\/p>\n

Ekonomick\u00e9 h\u013eadisko pri tomto sp\u00f4sobe financovania zd\u00f4raz\u0148uje absenciu \u00farokov a poplatkov, \u010do zni\u017euje celkov\u00e9 n\u00e1klady na obstaranie vozidla.<\/p>\n

Nev\u00fdhodou je v\u0161ak nutnos\u0165 ve\u013ekej jednorazovej invest\u00edcie, \u010do m\u00f4\u017ee by\u0165 pre v\u00e1s rizikov\u00e9, ak s\u00fa finan\u010dn\u00e9 prostriedky potrebn\u00e9 inde. Taktie\u017e m\u00f4\u017ee vysok\u00e1 po\u010diato\u010dn\u00e1 hodnota majetku ovplyvni\u0165 finan\u010dn\u00e9 ukazovatele spolo\u010dnosti a viazanie ve\u013ek\u00e9ho mno\u017estva kapit\u00e1lu m\u00f4\u017ee obmedzi\u0165 likviditu spolo\u010dnosti.<\/p>\n

Operat\u00edvny Leasing<\/h3>\n

Operat\u00edvny leasing je vhodn\u00fd pre t\u00fdch, ktor\u00ed nechc\u00fa vozidlo vlastni\u0165, ale sk\u00f4r ho vyu\u017e\u00edva\u0165. Z pr\u00e1vneho h\u013eadiska zost\u00e1va vozidlo vo vlastn\u00edctve leasingovej spolo\u010dnosti, \u010do znamen\u00e1, \u017ee rizik\u00e1 spojen\u00e9 s vlastn\u00edctvom auta s\u00fa minimalizovan\u00e9 pre n\u00e1jomcu.<\/p>\n

Da\u0148ovo-\u00fa\u010dtovn\u00e9 h\u013eadisko operat\u00edvneho leasingu prin\u00e1\u0161a v\u00fdhodu v podobe da\u0148ovo uznate\u013en\u00fdch mesa\u010dn\u00fdch spl\u00e1tok, \u010do m\u00f4\u017ee zn\u00ed\u017ei\u0165 z\u00e1klad dane. Ekonomicky je tento typ leasingu atrakt\u00edvny kv\u00f4li ni\u017e\u0161\u00edm po\u010diato\u010dn\u00fdm n\u00e1kladom a mo\u017enosti pravideln\u00e9ho obnovovania vozidla po skon\u010den\u00ed leasingu, \u010do zaru\u010duje v\u017edy aktu\u00e1lny vozov\u00fd park.<\/p>\n

Mnoh\u00e9 l\u00edzingov\u00e9 spolo\u010dnosti pon\u00fakaj\u00fa \u0161irok\u00fd rozsah slu\u017eieb vr\u00e1tane servisu vozidla, prezutia pneumat\u00edk, poistenia a in\u00fdch, \u010do m\u00f4\u017ee u\u0161etri\u0165 firm\u00e1m starosti s \u00fadr\u017ebou vozidla. Nev\u00fdhodou je obmedzen\u00e1 kontrola nad vozidlom, ke\u010f\u017ee nie je vo vlastn\u00edctve n\u00e1jomcu. Celkov\u00e9 n\u00e1klady m\u00f4\u017eu by\u0165 vy\u0161\u0161ie v d\u00f4sledku poplatkov za slu\u017eby a komfort s t\u00fdm spojen\u00fd.<\/p>\n

Finan\u010dn\u00fd Leasing<\/h3>\n

Finan\u010dn\u00fd leasing je vhodn\u00fd pre t\u00fdch, ktor\u00ed pl\u00e1nuj\u00fa vozidlo nakoniec odk\u00fapi\u0165. Pr\u00e1vne h\u013eadisko tohto typu leasingu spo\u010d\u00edva v tom, \u017ee vozidlo je s\u00edce vo vlastn\u00edctve leasingovej spolo\u010dnosti po\u010das doby leasingu, ale po uplynut\u00ed leasingovej zmluvy prech\u00e1dza do vlastn\u00edctva n\u00e1jomcu.<\/p>\n

Z da\u0148ovo-\u00fa\u010dtovn\u00e9ho h\u013eadiska umo\u017e\u0148uje finan\u010dn\u00fd leasing odpisovanie vozidla. Auto sa pri k\u00fape zarad\u00ed do majetku a ke\u010f\u017ee patr\u00ed do 1. odpisovej skupiny, odpisuje sa \u0161tyri roky, \u010do znamen\u00e1, \u017ee da\u0148ovo uznate\u013en\u00fd n\u00e1klad je 25 % ceny automobilu ro\u010dne (pri rovnomernom odpisovan\u00ed). Odpisy a\u202f\u00faroky zo spl\u00e1tky s\u00fa da\u0148ovo uznate\u013en\u00e9 n\u00e1klady, \u010do m\u00f4\u017ee by\u0165 v\u00fdhodn\u00e9 pre firmy.<\/p>\n

Ekonomicky tento typ leasingu znamen\u00e1 ni\u017e\u0161ie po\u010diato\u010dn\u00e9 n\u00e1klady v porovnan\u00ed s priamou k\u00fapou, na po\u010diatku je potrebn\u00e9 uhradi\u0165 iba akont\u00e1ciu (prv\u00fa spl\u00e1tku k\u00fapnej ceny), ktor\u00e1 sa zvy\u010dajne pohybuje od 10% do 60%. Spl\u00e1tka obsahuje \u00fahradu istiny, \u00faroku, DPH a aj poistn\u00e9ho, ak je toto poistenie zmluvne dohodnut\u00e9 ako s\u00fa\u010das\u0165 pravideln\u00fdch platieb (napr\u00edklad povinn\u00e9 zmluvn\u00e9 poistenie, havarijn\u00e9 poistenie, \u010di r\u00f4zne pripoistenia).<\/p>\n

Podnikate\u013e sa po splaten\u00ed leasingu st\u00e1va vlastn\u00edkom vozidla uhraden\u00edm odkupnej hodnoty, ktor\u00e1 zvykne by\u0165 symbolick\u00e1 (napr. 100 EUR). Nev\u00fdhodou je, \u017ee vozidlo m\u00f4\u017ee by\u0165 po\u010das doby leasingu predmetom z\u00e1lo\u017en\u00e9ho pr\u00e1va, \u010do obmedzuje slobodu jeho predaja.<\/p>\n

\u00daver na Auto<\/h3>\n

\u00daver na auto poskytuje mo\u017enos\u0165 okam\u017eit\u00e9ho vlastn\u00edctva vozidla, pri\u010dom kupuj\u00faci sa st\u00e1va jeho vlastn\u00edkom ihne\u010f. Z pr\u00e1vneho h\u013eadiska je hlavnou v\u00fdhodou vlastn\u00edctvo vozidla, \u010do znamen\u00e1 pln\u00fa kontrolu nad jeho pou\u017eit\u00edm, hoci mo\u017enos\u0165 predaja m\u00f4\u017ee by\u0165 zmluvne obmedzen\u00e1 z\u202fd\u00f4vodu zabezpe\u010denia \u00faveru.<\/p>\n

Da\u0148ovo-\u00fa\u010dtovn\u00e9 h\u013eadisko umo\u017e\u0148uje odpisovanie vozidla. Auto sa pri k\u00fape zarad\u00ed do majetku a ke\u010f\u017ee taktie\u017e patr\u00ed do 1. odpisovej skupiny, odpisuje sa \u0161tyri roky, \u010do znamen\u00e1, \u017ee da\u0148ovo uznate\u013en\u00fd n\u00e1klad je zjednodu\u0161ene 25 % ceny automobilu ro\u010dne (pri rovnomernom odpisovan\u00ed). Taktie\u017e \u00faroky z \u00faverov\u00fdch spl\u00e1tok m\u00f4\u017eu by\u0165 da\u0148ovo uznate\u013en\u00e9 n\u00e1klady, \u010do m\u00f4\u017ee by\u0165 v\u00fdhodn\u00e9 pre firmy.<\/p>\n

Ekonomicky \u00faver znamen\u00e1 ni\u017e\u0161iu po\u010diato\u010dn\u00fa invest\u00edciu v porovnan\u00ed s priamou k\u00fapou v hotovosti, pri\u010dom postupn\u00e9 spl\u00e1canie m\u00f4\u017ee by\u0165 lep\u0161ie prisp\u00f4soben\u00e9 finan\u010dn\u00fdm mo\u017enostiam kupuj\u00faceho. Nev\u00fdhodou je, \u017ee vozidlo m\u00f4\u017ee by\u0165 predmetom z\u00e1lo\u017en\u00e9ho pr\u00e1va, \u010do obmedzuje slobodu jeho predaja. Financuj\u00faca in\u0161tit\u00facia taktie\u017e \u010dasto podmie\u0148uje poskytnutie \u00faveru uzavret\u00edm poistenia, aby si kryla svoje rizik\u00e1, pri\u010dom sa po\u017eadovan\u00e9 poistenia s\u00fa typicky PZP a havarijn\u00e9 poistenia vozidla.<\/p>\n

 <\/p>\n

Porovn\u00e1vacia tabu\u013eka<\/h3>\n\n\n\n\n\n\n\n\n
Krit\u00e9rium<\/th>\nPriama K\u00fapa v Hotovosti<\/th>\nOperat\u00edvny Leasing<\/th>\nFinan\u010dn\u00fd Leasing<\/th>\n\u00daver na Auto<\/th>\n<\/tr>\n<\/thead>\n
Vlastn\u00edctvo<\/td>\nOkam\u017eit\u00e9<\/td>\nZost\u00e1va u leasingovej spolo\u010dnosti<\/td>\nPo ukon\u010den\u00ed leasingu<\/td>\nOkam\u017eit\u00e9<\/td>\n<\/tr>\n
Po\u010diato\u010dn\u00e9 n\u00e1klady<\/td>\nVysok\u00e9<\/td>\nN\u00edzke<\/td>\nStredn\u00e9 (akont\u00e1cia)<\/td>\nStredn\u00e9<\/td>\n<\/tr>\n
Da\u0148ov\u00e9 v\u00fdhody<\/td>\nOdpisy<\/td>\nSpl\u00e1tky<\/td>\nOdpisy a \u00faroky<\/td>\nOdpisy a \u00faroky<\/td>\n<\/tr>\n
Flexibilita<\/td>\nVysok\u00e9<\/td>\nN\u00edzke<\/td>\nStredn\u00e9<\/td>\nStredn\u00e9<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\n

Z\u00e1ver<\/h3>\n

V\u00fdber vhodn\u00e9ho sp\u00f4sobu financovania auta z\u00e1vis\u00ed od individu\u00e1lnych potrieb a finan\u010dn\u00fdch mo\u017enost\u00ed kupuj\u00faceho. Priama k\u00fapa v hotovosti je v\u00fdhodn\u00e1 pre t\u00fdch, ktor\u00ed maj\u00fa dostatok kapit\u00e1lu a chc\u00fa sa vyhn\u00fa\u0165 dodato\u010dn\u00fdm n\u00e1kladom. Operat\u00edvny leasing je atrakt\u00edvny pre t\u00fdch, ktor\u00ed preferuj\u00fa ni\u017e\u0161ie po\u010diato\u010dn\u00e9 n\u00e1klady a pravideln\u00e9 obnovovanie vozidla, zatia\u013e \u010do finan\u010dn\u00fd leasing a \u00faver na auto predstavuj\u00fa kompromis medzi vlastn\u00fdm kapit\u00e1lom a dlhodob\u00fdm financovan\u00edm. Pre ka\u017ed\u00e9ho z\u00e1ujemcu je d\u00f4le\u017eit\u00e9 d\u00f4kladne zv\u00e1\u017ei\u0165 v\u0161etky aspekty vr\u00e1tane pr\u00e1vnych, da\u0148ovo-\u00fa\u010dtovn\u00fdch a ekonomick\u00fdch dopadov, aby sa mohol rozhodn\u00fa\u0165 pre najvhodnej\u0161\u00ed sp\u00f4sob financovania.<\/p>\n

Ak m\u00e1te \u010fal\u0161ie ot\u00e1zky alebo potrebujete poradi\u0165, nev\u00e1hajte n\u00e1s kontaktova\u0165 na adrese info@capila.io<\/a>. Sme tu, aby sme v\u00e1m pomohli urobi\u0165 najlep\u0161ie finan\u010dn\u00e9 rozhodnutie pre va\u0161u bud\u00facnos\u0165.<\/p>","protected":false},"excerpt":{"rendered":"

Buying a car is a significant decision for many individuals and companies, requiring careful consideration of all financing options. In this article, we will look at various ways of financing a car in Slovakia and analyze their advantages and disadvantages from legal, tax-accounting, and economic perspectives. Direct Cash Purchase Direct cash purchase of a car […]<\/p>","protected":false},"author":8,"featured_media":1600,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1597","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"_links":{"self":[{"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/posts\/1597","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/comments?post=1597"}],"version-history":[{"count":4,"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/posts\/1597\/revisions"}],"predecessor-version":[{"id":1602,"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/posts\/1597\/revisions\/1602"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/media\/1600"}],"wp:attachment":[{"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/media?parent=1597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/categories?post=1597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/capila.io\/sk\/wp-json\/wp\/v2\/tags?post=1597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}