{"id":108,"date":"2022-09-22T01:50:51","date_gmt":"2022-09-21T23:50:51","guid":{"rendered":"https:\/\/www.coolmoney.cz\/clanky\/?p=108"},"modified":"2022-11-14T19:05:18","modified_gmt":"2022-11-14T18:05:18","slug":"pujcka-na-auto","status":"publish","type":"post","link":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/","title":{"rendered":"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu a nej\u010dast\u011bj\u0161\u00ed chyby"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row][vc_column][vc_column_text]Pokud uva\u017eujete o koupi automobilu, ale nem\u00e1te moment\u00e1ln\u011b dostatek pen\u011bz na jeho zaplacen\u00ed z vlastn\u00edch zdroj\u016f, m\u00e1te v podstat\u011b tyto mo\u017enosti: porovnat \u00fav\u011bry poskytovan\u00e9 bankami \u010di nebankovn\u00edmi spole\u010dnostmi, nebo zvolit leasing \u010di financov\u00e1n\u00ed od prodejce. Banky nab\u00edzej\u00ed produkty, jako je p\u016fj\u010dka na cokoli nebo p\u016fj\u010dka na auto, u kter\u00e9 je t\u0159eba bance dolo\u017eit \u00fa\u010del pou\u017eit\u00ed pen\u011bz. Nebankovn\u00ed p\u016fj\u010dky jako je nap\u0159\u00edklad <a href=\"https:\/\/www.coolmoney.cz\/\">COOL Money p\u016fj\u010dka<\/a> rovn\u011b\u017e nab\u00edzej\u00ed ne\u00fa\u010delov\u00e9 p\u016fj\u010dky a obvykle je mo\u017en\u00e9 je snadn\u011bji z\u00edskat. Pr\u00e1v\u011b COOL Money p\u016fj\u010dku pak charakterizuje \u00fav\u011brov\u00fd r\u00e1mec a\u017e 250\u00a0000 K\u010d, za co\u017e u\u017e lze po\u0159\u00eddit i pom\u011brn\u011b p\u011bkn\u00e9 vozidlo.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_6ab10a4880668{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_6ab10a4880668:hover{background:#628c00!important;}<\/style><div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/www.coolmoney.cz\/#slform\" class=\"vcex-button theme-button align-center inline vcex_6ab10a4880668\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Za\u017e\u00e1dat o p\u016fj\u010dku<span class=\"vcex-button-icon vcex-icon-wrap theme-button-icon-right\"><span class=\"wpex-icon wpex-icon--bidi\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M438.6 278.6c12.5-12.5 12.5-32.8 0-45.3l-160-160c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3L338.8 224 32 224c-17.7 0-32 14.3-32 32s14.3 32 32 32l306.7 0L233.4 393.4c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0l160-160z\"\/><\/svg><\/span><\/span><\/span><\/a><\/div> [\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]Obecn\u011b plat\u00ed, \u017ee p\u016fj\u010dku na auto nebo jakoukoli jinou p\u016fj\u010dku lze poskytnout pouze osob\u011b, kter\u00e1 dos\u00e1hla v\u011bku 18 let, je ob\u010danem \u010cesk\u00e9 republiky nebo m\u00e1 v\u00a0\u010cesk\u00e9 republice trval\u00fd pobyt a hlavn\u011b m\u00e1 pravideln\u00fd p\u0159\u00edjem. <strong>U nebankovn\u00edch p\u016fj\u010dek, co\u017e m\u016f\u017ee b\u00fdt nap\u0159\u00edklad i <\/strong><a href=\"https:\/\/www.coolmoney.cz\/clanky\/dlouhodoba-pujcka-bez-registru\/\"><strong>dlouhodob\u00e1 p\u016fj\u010dka bez registru<\/strong><\/a><strong> jsou v\u0161ak po\u017eadavky na \u017eadatele o p\u016fj\u010dku mnohem benevolentn\u011bj\u0161\u00ed<\/strong>.<\/p>\n<p>Pokud o \u00fav\u011br (p\u016fj\u010dku na auto, bez\u00fa\u010delov\u00fd \u00fav\u011br) \u017e\u00e1d\u00e1 man\u017eelsk\u00fd p\u00e1r, banka obvykle posuzuje ka\u017ed\u00e9ho z nich zvl\u00e1\u0161\u0165. Op\u011bt plat\u00ed, \u017ee nebankovn\u00ed spole\u010dnosti tak p\u0159\u00edsn\u00e9 nebudou. Ka\u017ed\u00e1 finan\u010dn\u00ed instituce v\u0161ak <strong>m\u00e1 p\u0159i schvalov\u00e1n\u00ed \u00fav\u011bru sv\u00e1 vlastn\u00ed krit\u00e9ria a specifick\u00e9 po\u017eadavky na \u017eadatele<\/strong>. Pokud klient v sou\u010dasn\u00e9 dob\u011b nem\u00e1 zam\u011bstn\u00e1n\u00ed, m\u016f\u017ee tak\u00e9 dolo\u017eit doklad o p\u0159\u00edjmu, jako je d\u016fchod, rodi\u010dovsk\u00fd p\u0159\u00edsp\u011bvek, soci\u00e1ln\u00ed d\u00e1vky, p\u0159\u00edpadn\u011b za\u017e\u00e1dat nebankovn\u00ed spole\u010dnost o <a href=\"https:\/\/www.coolmoney.cz\/clanky\/rychla-pujcka-ihned-na-ucet\/\">p\u016fj\u010dku na \u00fa\u010det ka\u017ed\u00e9mu<\/a>. V n\u011bkter\u00fdch p\u0159\u00edpadech je vy\u017eadov\u00e1n tak\u00e9 ru\u010ditel, ale to je na zv\u00e1\u017een\u00ed konkr\u00e9tn\u00ed banky nebo nebankovn\u00ed instituce.<\/p>\n<p>B\u011b\u017en\u00e1 p\u016fj\u010dka na cokoli jako je nap\u0159\u00edklad COOL Money p\u016fj\u010dka, kterou lze snadno pou\u017e\u00edt na koupi automobilu, <strong>m\u00e1 tu v\u00fdhodu, \u017ee si za p\u016fj\u010den\u00e9 pen\u00edze koup\u00edte automobil a ten je ihned v\u00e1\u0161<\/strong>. Doklady od auta jsou na va\u0161e jm\u00e9no. P\u0159i leasingu si v\u016fz nekupujete, ale v podstat\u011b si ho pronaj\u00edm\u00e1te. Vlastn\u00edkem nov\u00e9ho vozu se stanete a\u017e po \u00fapln\u00e9m splacen\u00ed leasingu. P\u0159i koupi vozu je obvykle nutn\u00e9 slo\u017eit akontaci, co\u017e klienta nut\u00ed m\u00edt ur\u010dit\u00fd finan\u010dn\u00ed kapit\u00e1l \u2013 kter\u00fd v\u0161ak <strong>lid\u00e9 z\u00a0probl\u00e9movou \u00fav\u011brovou histori\u00ed mohou z\u00edskat nap\u0159\u00edklad prost\u0159ednictv\u00edm <\/strong><a href=\"https:\/\/www.coolmoney.cz\/clanky\/pujcky-bez-registru-a-potvrzeni-prijmu\/\"><strong>nebankovn\u00ed p\u016fj\u010dky bez registru a potvrzen\u00ed p\u0159\u00edjmu<\/strong><\/a>. B\u011bhem doby trv\u00e1n\u00ed leasingu nem\u00e1 n\u00e1jemce ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f mo\u017enost v\u016fz prodat nebo vr\u00e1tit a leasingov\u00e1 smlouva je ze strany n\u00e1jemce nevypov\u011bditeln\u00e1.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h2>Jak\u00e9 jsou hlavn\u00ed v\u00fdhody COOL Money p\u016fj\u010dky oproti konkurenci:<\/h2>\n<p>Na bankovn\u00edm i nebankovn\u00edm trhu samoz\u0159ejm\u011b panuje tvrd\u00e1 konkurence a proto nebankovn\u00ed spole\u010dnosti <strong>p\u0159ich\u00e1zej\u00ed s\u00a0neust\u00e1l\u00fdmi novinkami, inovacemi a sna\u017e\u00ed se nab\u00eddnout klient\u016fm oproti bank\u00e1m n\u011bco nav\u00edc<\/strong>, \u010d\u00edm by upoutali pr\u00e1v\u011b jejich pozornost. Je z\u0159ejm\u00e9, \u017ee v\u00e1m nebankovn\u00ed spole\u010dnost nenab\u00eddne tak atraktivn\u00ed \u00fav\u011brov\u00e9 podm\u00ednky jako banka na druh\u00e9 stran\u011b ji v\u0161ak charakterizuj\u00ed tyto v\u00fdhody, kter\u00e9 v\u00e1m banka jednodu\u0161e nemus\u00ed nab\u00eddnout:<\/p>\n<ul>\n<li>\u0160patn\u00e9 bonita a n\u011bkter\u00e9 negativn\u00ed z\u00e1znamy v\u00a0registrech dlu\u017en\u00edk\u016f nejsou probl\u00e9m \u2013 ka\u017ed\u00e1 \u017e\u00e1dost je posuzov\u00e1na individu\u00e1ln\u011b<\/li>\n<li>M\u016f\u017eete si p\u016fj\u010dit a\u017e 250\u00a0000 K\u010d, p\u0159i\u010dem\u017e \u017e\u00e1dost o p\u016fj\u010dku je okam\u017eit\u011b vy\u0159\u00edzena<\/li>\n<li>P\u016fj\u010dku si lze individu\u00e1ln\u011b nastavit, jak z\u00a0hlediska v\u00fd\u0161e \u00fav\u011bru, tak d\u00e9lky spl\u00e1cen\u00ed<\/li>\n<li>COOL Money p\u016fj\u010dka je ne\u00fa\u010delov\u00e1 \u2013 mo\u017enost vyu\u017e\u00edt pen\u00edze na n\u00e1kup automobilu je pouze jedna z\u00a0alternativ, kter\u00e1 se v\u00e1m s\u00a0touto p\u016fj\u010dkou nab\u00edz\u00ed<\/li>\n<li>Jste \u017eivnostn\u00edkem nebo d\u016fchodcem? Nevad\u00ed. Tuto p\u016fj\u010dku je mo\u017en\u00e9 sjednat i bez dokl\u00e1d\u00e1n\u00ed p\u0159\u00edjmu<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_6ab10a48815e4{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_6ab10a48815e4:hover{background:#628c00!important;}<\/style><div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/www.coolmoney.cz\/#slform\" class=\"vcex-button theme-button align-center inline vcex_6ab10a48815e4\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Za\u017e\u00e1dat o p\u016fj\u010dku<span class=\"vcex-button-icon vcex-icon-wrap theme-button-icon-right\"><span class=\"wpex-icon wpex-icon--bidi\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M438.6 278.6c12.5-12.5 12.5-32.8 0-45.3l-160-160c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3L338.8 224 32 224c-17.7 0-32 14.3-32 32s14.3 32 32 32l306.7 0L233.4 393.4c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0l160-160z\"\/><\/svg><\/span><\/span><\/span><\/a><\/div> [\/vc_column][\/vc_row][vc_row][vc_column]<figure class=\"vcex-image vcex-module\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block\"><img width=\"1200\" height=\"800\" src=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/kupovani-auta.jpg\" class=\"vcex-image-img wpex-align-middle\" alt=\"Man\u017eel\u00e9 kupuj\u00ed nov\u00e1 auto d\u00edky autop\u016fj\u010dce\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/kupovani-auta.jpg 1200w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/kupovani-auta-300x200.jpg 300w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/kupovani-auta-1024x683.jpg 1024w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/kupovani-auta-768x512.jpg 768w, https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/kupovani-auta-20x13.jpg 20w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/div><\/figure>[\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]\n<h2>Jak\u00e9 nej\u010dast\u011bj\u0161\u00ed chyby v\u00e1s p\u0159i sjedn\u00e1n\u00ed p\u016fj\u010dky na auto stoj\u00ed pen\u00edze?<\/h2>\n<p>Pokud chcete p\u0159i p\u0159\u00ed\u0161t\u00edm n\u00e1kupu auta u\u0161et\u0159it, mus\u00edte ud\u011blat v\u00edc, ne\u017e se jen dohodnout s prodejcem na cen\u011b. Chyba p\u0159i uzav\u00edr\u00e1n\u00ed \u00fav\u011bru na auto v\u00e1s m\u016f\u017ee st\u00e1t pen\u00edze a vymazat \u00faspory vyjednan\u00e9 na kupn\u00ed cen\u011b. <strong>Chcete-li odej\u00edt s nejlep\u0161\u00ed mo\u017enou nab\u00eddkou, vyvarujte se t\u011bchto chyb p\u0159i sjedn\u00e1n\u00ed p\u016fj\u010dky na auto<\/strong>.<\/p>\n<h3>1. P\u0159i vyjedn\u00e1v\u00e1n\u00ed o cen\u011b vozu sd\u011bl\u00edte prodejci, kolik si m\u016f\u017eete dovolit spl\u00e1cet<\/h3>\n<p>Cena vozu je d\u016fle\u017eit\u00e1, a pokud jeho n\u00e1kup hodl\u00e1te financovat \u00fav\u011brem, m\u011bli byste p\u0159edem v\u011bd\u011bt, kolik si m\u016f\u017eete m\u011bs\u00ed\u010dn\u011b dovolit spl\u00e1cet. <strong>Neukazujte v\u0161ak prodejci ihned v\u0161echny karty<\/strong>. Pokud tak u\u010din\u00edte, vzd\u00e1te se mo\u017enosti vyjednat ni\u017e\u0161\u00ed kupn\u00ed cenu.<\/p>\n<p>Jakmile budete p\u0159\u00edli\u0161 otev\u0159en\u00ed, potenci\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka \u00fav\u011bru na auto prodejci sd\u011bl\u00ed, kolik jste ochotni utratit. Prodejce, kter\u00fd v\u00e1m p\u0159\u00edmo nab\u00edz\u00ed i financov\u00e1n\u00ed vozu by se pak mohl tak\u00e9 pokusit <strong>skr\u00fdt dal\u0161\u00ed n\u00e1klady, nap\u0159\u00edklad vy\u0161\u0161\u00ed \u00farokovou sazbu a dal\u0161\u00ed poplatky<\/strong>. Mohl by v\u00e1m tak\u00e9 nab\u00eddnout del\u0161\u00ed dobu spl\u00e1cen\u00ed, ne\u017e jste p\u016fvodn\u011b cht\u011bli, d\u00edky \u010demu\u017e se tato m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka vejde do va\u0161eho rozpo\u010dtu, ale celkov\u011b v\u00e1s bude p\u016fj\u010dka st\u00e1t v\u00edce.<\/p>\n<p>Abyste se tomu vyhnuli, <strong>vyjedn\u00e1vejte o cen\u011b vozu s\u00a0prodejcem, ani\u017e byste mu sd\u011blili, kolik si m\u016f\u017eete skute\u010dn\u011b dovolit<\/strong>. Nikdy nekupujte v\u016fz pouze na z\u00e1klad\u011b v\u00fd\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky \u2013 prodejce by mohl toto \u010d\u00edslo pou\u017e\u00edt k tomu, aby jedn\u00e1n\u00ed zastavil nebo v\u00e1m zv\u00fd\u0161il cenu.<\/p>\n<h3>2. Nezvol\u00edte vhodnou dobu spl\u00e1cen\u00ed<\/h3>\n<p>Doba splatnosti \u00fav\u011bru na auto se pohybuje nej\u010dast\u011bji od 24 do 84 m\u011bs\u00edc\u016f. Je snadn\u00e9 nechat se zl\u00e1kat del\u0161\u00ed dobou splatnosti, proto\u017ee m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka je obvykle ni\u017e\u0161\u00ed. <strong>Ale \u010d\u00edm d\u00e9le budete \u00fav\u011br spl\u00e1cet, t\u00edm v\u00edce zaplat\u00edte na \u00faroc\u00edch<\/strong>.<\/p>\n<p>Chcete-li se rozhodnout, kter\u00e1 mo\u017enost je pro v\u00e1s nejlep\u0161\u00ed, zva\u017ete sv\u00e9 priority. Pokud jste nap\u0159\u00edklad typ \u0159idi\u010de, kter\u00fd m\u00e1 z\u00e1jem usednout za volant nov\u00e9ho vozidla ka\u017ed\u00fdch n\u011bkolik m\u011bs\u00edc\u016f, nemus\u00ed pro v\u00e1s b\u00fdt uv\u011bzn\u011bn\u00ed v dlouhodob\u00e9 p\u016fj\u010dce to prav\u00e9.<\/p>\n<p>Na druhou stranu, pokud m\u00e1te omezen\u00fd rozpo\u010det, <strong>m\u016f\u017ee b\u00fdt dlouhodob\u011bj\u0161\u00ed p\u016fj\u010dka jedin\u00fdm zp\u016fsobem, jak si m\u016f\u017eete dovolit sv\u016fj v\u016fz<\/strong>. Pou\u017eijte kalkula\u010dku na str\u00e1nk\u00e1ch COOL Money p\u016fj\u010dky, abyste pochopili, jak\u00e1 bude va\u0161e m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka, a rozhodli se, kter\u00e1 mo\u017enost je pro v\u00e1s nejlep\u0161\u00ed. Kr\u00e1tkodob\u00fd \u00fav\u011br v\u00e1s zkr\u00e1tka <strong>bude st\u00e1t celkov\u011b m\u00e9n\u011b na \u00faroc\u00edch, ale bude m\u00edt vysok\u00e9 m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky<\/strong>. Dlouhodob\u00fd \u00fav\u011br bude m\u00edt na druh\u00e9 stran\u011b ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, ale vy\u0161\u0161\u00ed n\u00e1klady na \u00faroky v pr\u016fb\u011bhu \u010dasu.<\/p>\n<h3>3. Financov\u00e1n\u00ed dopl\u0148kov\u00fdch slu\u017eeb<\/h3>\n<p>Pokud v\u00e1m nab\u00edz\u00ed financov\u00e1n\u00ed vozu prost\u0159ednictv\u00edm autop\u016fj\u010dky prodejce je jeho zisk do zna\u010dn\u00e9 m\u00edry ovliv\u0148ov\u00e1n prodejem dopl\u0148kov\u00fdch slu\u017eeb \u2013 zejm\u00e9na poprodejn\u00edch produkt\u016f prod\u00e1van\u00fdch prost\u0159ednictv\u00edm smluvn\u00ed finan\u010dn\u00ed a poji\u0161\u0165ovac\u00ed kancel\u00e1\u0159e. Pokud chcete prodlou\u017eenou z\u00e1ruku nebo poji\u0161t\u011bn\u00ed \u00fav\u011bru, budou tyto polo\u017eky <strong>dostupn\u011bj\u0161\u00ed za ni\u017e\u0161\u00ed cenu u nez\u00e1visl\u00fdch poji\u0161\u0165oven \u010di finan\u010dn\u00edch poradc\u016f<\/strong>.<\/p>\n<p>Ptejte se na ka\u017ed\u00fd poplatek, kter\u00e9mu nerozum\u00edte, abyste se vyhnuli zbyte\u010dn\u00e9mu nav\u00fd\u0161en\u00ed kupn\u00ed ceny. Pokud n\u011bjak\u00fd slu\u017ebu skute\u010dn\u011b platit chcete, zapla\u0165te za n\u011bj. <strong>Nejprve si v\u0161ak ov\u011b\u0159te, zda nen\u00ed k dispozici mimo prodejnu za ni\u017e\u0161\u00ed cenu<\/strong>. V p\u0159\u00edpad\u011b dodate\u010dn\u00fdch produkt\u016f, prodlou\u017een\u00fdch z\u00e1ruk a poji\u0161t\u011bn\u00ed \u00fav\u011bru je \u010dasto levn\u011bj\u0161\u00ed obr\u00e1tit se na t\u0159et\u00ed stranu. Na jedn\u00e1n\u00ed s\u00a0prodejcem se prost\u011b p\u0159ipravte a jd\u011bte tam s v\u011bdom\u00edm, kter\u00e9 <strong>dopl\u0148kov\u00e9 slu\u017eby skute\u010dn\u011b pot\u0159ebujete a kter\u00e9 m\u016f\u017eete naj\u00edt levn\u011bji jinde<\/strong>.<\/p>\n<h3>4. P\u0159ev\u00e1d\u011bn\u00ed z\u00e1porn\u00e9ho vlastn\u00edho kapit\u00e1lu do budoucna<\/h3>\n<p>B\u00fdt &#8222;v m\u00ednusu&#8220; u \u00fav\u011bru na auto znamen\u00e1, \u017ee dlu\u017e\u00edte na sv\u00e9m aut\u011b v\u00edce, ne\u017e je jeho hodnota. V\u011b\u0159itel\u00e9 v\u00e1m mohou umo\u017enit p\u0159ev\u00e9st tento z\u00e1porn\u00fd z\u016fstatek do nov\u00e9 p\u016fj\u010dky, ale nen\u00ed to chytr\u00fd finan\u010dn\u00ed krok. Pokud to ud\u011bl\u00e1te, budete platit \u00faroky jak za koupi sou\u010dasn\u00e9ho, tak z\u00a0p\u0159edchoz\u00edho \u2013 dosud nesplacen\u00e9ho \u2013 vozu. A pokud jste byli s posledn\u00edm vym\u011bn\u011bn\u00fdm vozem v\u00a0m\u00ednusu \u2013 <strong>prodejn\u00ed cena nepokryla jistinu \u00fav\u011bru, je pravd\u011bpodobn\u00e9, \u017ee budete v m\u00ednusu znovu<\/strong>.<\/p>\n<p>M\u00edsto toho, abyste sv\u016fj z\u00e1porn\u00fd kapit\u00e1l p\u0159enesli do nov\u00e9ho \u00fav\u011bru, zkuste po\u010dkat na splacen\u00ed star\u00e9ho \u00fav\u011bru a teprve pot\u00e9 si vezm\u011bte nov\u00fd.<\/p>\n<h3>5. Opom\u00edj\u00edte porovn\u00e1n\u00ed jednotliv\u00fdch nab\u00eddek p\u016fj\u010dek<\/h3>\n<p>Financov\u00e1n\u00ed u dealera automobil\u016f je snadn\u00e9 a pohodln\u00e9. B\u00fdv\u00e1 v\u0161ak tak\u00e9 dra\u017e\u0161\u00ed \u2013 <strong>ani nemluv\u011b o p\u0159\u00edsn\u00fdch \u00fav\u011brov\u00fdch podm\u00ednk\u00e1ch<\/strong>, kter\u00e9 mus\u00ed kupuj\u00edc\u00ed spl\u0148ovat. Deale\u0159i v\u011bd\u00ed, \u017ee mohou sv\u00e9 sazby nav\u00fd\u0161it o n\u011bkolik procentn\u00edch bod\u016f.<\/p>\n<p>Ne\u017e nav\u0161t\u00edv\u00edte prodejce, <strong>porozhl\u00e9dn\u011bte se na internetu a z\u00edskejte n\u011bkolik nab\u00eddek od bank nebo nebankovn\u00edch spole\u010dnost\u00ed typu <\/strong><strong>COOL Money<\/strong> \u2013 kter\u00e9 v\u00e1m mohou poskytnout pen\u00edze za zaj\u00edmav\u00fdch podm\u00ednek, a\u010dkoliv nem\u00e1te ide\u00e1ln\u00ed bonitu. T\u00edm z\u00edsk\u00e1te p\u0159edstavu o dostupn\u00fdch \u00farokov\u00fdch sazb\u00e1ch pro va\u0161i situaci a zajist\u00edte si, \u017ee dostanete nejlep\u0161\u00ed nab\u00eddku.<\/p>\n<p>Jakmile z\u00edsk\u00e1te p\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed \u00fav\u011bru, <strong>m\u016f\u017eete s prodejcem efektivn\u011bji vyjedn\u00e1vat<\/strong>. Koneckonc\u016f, pokud nejsou ochotni p\u0159ekonat sazbu, kterou ji\u017e m\u00e1te, nemus\u00edte se spol\u00e9hat na jejich financov\u00e1n\u00ed, abyste z\u00edskali v\u016fz, kter\u00fd chcete. P\u0159edb\u011b\u017en\u00e9 schv\u00e1len\u00ed v\u00e1m zaru\u010d\u00ed, \u017ee dostanete nejlep\u0161\u00ed dostupnou sazbu pro va\u0161i situaci, a poskytne v\u00e1m p\u00e1ku k vyjedn\u00e1v\u00e1n\u00ed.<\/p>\n<h2>Z\u00e1v\u011br<\/h2>\n<p>Kl\u00ed\u010dem k\u00a0\u00fasp\u011b\u0161n\u00e9mu po\u0159\u00edzen\u00ed vozu, pokud jde o p\u016fj\u010dku na auto, je p\u0159ipravenost. Rozmyslete si, jakou m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku si m\u016f\u017eete dovolit, jak dlouho chcete p\u016fj\u010dku spl\u00e1cet a bu\u010fte si v\u011bdomi, kter\u00e9 dopl\u0148kov\u00e9 slu\u017eby si chcete platit a kter\u00e9 nikoliv. <strong>A\u0165 u\u017e je va\u0161e bonita perfektn\u00ed nebo m\u00e1te \u0161kraloupy v\u00a0\u00fav\u011brov\u00e9 historii, v\u011bzte, \u017ee se na bankovn\u00edm nebo nebankovn\u00edm trhu nach\u00e1z\u00ed \u00fav\u011brov\u00e1 alternativa, kter\u00e1 uspokoj\u00ed va\u0161e finan\u010dn\u00ed pot\u0159eby<\/strong>. Sta\u010d\u00ed jenom v\u011bd\u011bt, kde hledat tu nejv\u00fdhodn\u011bj\u0161\u00ed p\u016fj\u010dku na auto pro va\u0161i konkr\u00e9tn\u00ed situaci.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<style>.vcex-button.vcex_6ab10a48830af{border-radius:50px;background:#86ad00;color:#ffffff!important;padding-block:18px;padding-inline:40px;font-size:20px;font-weight:400;}.vcex-button.vcex_6ab10a48830af:hover{background:#628c00!important;}<\/style><div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"https:\/\/www.coolmoney.cz\/#slform\" class=\"vcex-button theme-button align-center inline vcex_6ab10a48830af\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\">Za\u017e\u00e1dat o p\u016fj\u010dku<span class=\"vcex-button-icon vcex-icon-wrap theme-button-icon-right\"><span class=\"wpex-icon wpex-icon--bidi\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M438.6 278.6c12.5-12.5 12.5-32.8 0-45.3l-160-160c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3L338.8 224 32 224c-17.7 0-32 14.3-32 32s14.3 32 32 32l306.7 0L233.4 393.4c-12.5 12.5-12.5 32.8 0 45.3s32.8 12.5 45.3 0l160-160z\"\/><\/svg><\/span><\/span><\/span><\/a><\/div> [\/vc_column][\/vc_row][vc_row][vc_column][vc_separator][\/vc_column][\/vc_row][vc_row][vc_column][vc_raw_html]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[\/vc_raw_html][vc_column_text]\n<h2>FAQ \u2013 nej\u010dast\u011bj\u0161\u00ed dotazy<\/h2>\n<p><strong>Jak\u00e9 doklady si mus\u00edm p\u0159ipravit pro sjedn\u00e1n\u00ed p\u016fj\u010dky? <\/strong><\/p>\n<p>Sjedn\u00e1n\u00ed p\u016fj\u010dky je pom\u011brn\u011b jednoduch\u00e9. Posta\u010d\u00ed, pokud si dop\u0159edu p\u0159iprav\u00edte dva doklady toto\u017enosti, telefonn\u00ed \u010d\u00edslo a email.<\/p>\n<p><strong>Je mo\u017en\u00e9 si p\u016fj\u010dku na auto sjednat online, nebo mus\u00edm na pobo\u010dku? <\/strong><\/p>\n<p>D\u00edky vyu\u017eit\u00ed modern\u00edch technologi\u00ed je mo\u017en\u00e9 v\u00a0sou\u010dasn\u00e9 dob\u011b vy\u0159\u00eddit cel\u00fd proces \u017e\u00e1dosti o autop\u016fj\u010dku online z\u00a0pohodl\u00ed va\u0161eho domova.<\/p>\n<p><strong>Mohu si z\u0159\u00eddit autop\u016fj\u010dku, p\u0159esto\u017ee m\u00e1m negativn\u00ed z\u00e1znamy v\u00a0registrech dlu\u017en\u00edk\u016f? <\/strong><\/p>\n<p>Nelze dop\u0159edu p\u0159edj\u00edmat v\u00fdsledek schvalovac\u00edho procesu. Ka\u017ed\u00e1 \u017e\u00e1dost o p\u016fj\u010dku na auto je hodnocena individu\u00e1ln\u011b, nicm\u00e9n\u011b je pravdou, \u017ee n\u011bkter\u00e9 drobn\u00e9 proh\u0159e\u0161ky v\u00a0\u00fav\u011brov\u00e9 historii probl\u00e9mem nejsou.<\/p>\n<p><strong>Mus\u00edm si za vyp\u016fj\u010den\u00e9 pen\u00edze skute\u010dn\u011b po\u0159\u00eddit automobil? <\/strong><\/p>\n<p>D\u00e1valo by to logiku, nebo\u0165 zde hovo\u0159\u00edme o p\u016fj\u010dce na auto. Pokud v\u0161ak budete financovat n\u00e1kup automobilu ne\u00fa\u010delovou p\u016fj\u010dkou, pen\u00edze nakonec m\u016f\u017eete vyu\u017e\u00edt, jak uzn\u00e1te za vhodn\u00e9. Nejste tedy povinni tyto finan\u010dn\u00ed prost\u0159edky vyu\u017e\u00edt k\u00a0n\u00e1kupu automobilu.<\/p>\n<p><strong>Mohu si flexibiln\u011b nastavit v\u00fd\u0161i spl\u00e1tky p\u016fj\u010dky na auto? <\/strong><\/p>\n<p>Ano, p\u0159i \u017e\u00e1dosti o autop\u016fj\u010dku si m\u016f\u017eete zvolit d\u00e9lku spl\u00e1cen\u00ed \u00fav\u011bru. \u010c\u00edm del\u0161\u00ed je doba spl\u00e1cen\u00ed, t\u00edm ni\u017e\u0161\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky budete platit a naopak.[\/vc_column_text][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text]Pokud uva\u017eujete o koupi automobilu, ale nem\u00e1te moment\u00e1ln\u011b dostatek pen\u011bz na jeho zaplacen\u00ed z vlastn\u00edch zdroj\u016f, m\u00e1te v podstat\u011b tyto mo\u017enosti: porovnat \u00fav\u011bry poskytovan\u00e9 bankami \u010di nebankovn\u00edmi spole\u010dnostmi, nebo zvolit leasing \u010di financov\u00e1n\u00ed od prodejce. Banky nab\u00edzej\u00ed produkty, jako je p\u016fj\u010dka na cokoli nebo p\u016fj\u010dka na auto, u kter\u00e9 je t\u0159eba bance dolo\u017eit \u00fa\u010del pou\u017eit\u00ed&hellip;<\/p>\n","protected":false},"author":1,"featured_media":114,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"post_series":[],"class_list":["post-108","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","entry","has-media"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu<\/title>\n<meta name=\"description\" content=\"Chcete si koupit automobil, ale nem\u00e1te dostatek finan\u010dn\u00edch prost\u0159edk\u016f? Porad\u00edme v\u00e1m, jak pom\u016f\u017ee efektivn\u011b a v\u00fdhodn\u011b p\u016fj\u010dka na auto.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu\" \/>\n<meta property=\"og:description\" content=\"Chcete si koupit automobil, ale nem\u00e1te dostatek finan\u010dn\u00edch prost\u0159edk\u016f? Porad\u00edme v\u00e1m, jak pom\u016f\u017ee efektivn\u011b a v\u00fdhodn\u011b p\u016fj\u010dka na auto.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/\" \/>\n<meta property=\"og:site_name\" content=\"COOL Money\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-21T23:50:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-14T18:05:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1100\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Coolmoney.cz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu\" \/>\n<meta name=\"twitter:description\" content=\"Chcete si koupit automobil, ale nem\u00e1te dostatek finan\u010dn\u00edch prost\u0159edk\u016f? Porad\u00edme v\u00e1m, jak pom\u016f\u017ee efektivn\u011b a v\u00fdhodn\u011b p\u016fj\u010dka na auto.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"Coolmoney.cz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/\"},\"author\":{\"name\":\"Coolmoney.cz\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/0eb7e42ed7ef2807ac57211b5f8395e4\"},\"headline\":\"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu a nej\u010dast\u011bj\u0161\u00ed chyby\",\"datePublished\":\"2022-09-21T23:50:51+00:00\",\"dateModified\":\"2022-11-14T18:05:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/\"},\"wordCount\":2821,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg\",\"articleSection\":[\"Informace\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/\",\"name\":\"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu\",\"isPartOf\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg\",\"datePublished\":\"2022-09-21T23:50:51+00:00\",\"dateModified\":\"2022-11-14T18:05:18+00:00\",\"description\":\"Chcete si koupit automobil, ale nem\u00e1te dostatek finan\u010dn\u00edch prost\u0159edk\u016f? Porad\u00edme v\u00e1m, jak pom\u016f\u017ee efektivn\u011b a v\u00fdhodn\u011b p\u016fj\u010dka na auto.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#breadcrumb\"},\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#primaryimage\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg\",\"contentUrl\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg\",\"width\":1100,\"height\":600,\"caption\":\"Rychl\u00e1 p\u016fj\u010dka na nov\u00e9 auto od COOL Money\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Dom\u016f\",\"item\":\"https:\/\/www.coolmoney.cz\/clanky\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu a nej\u010dast\u011bj\u0161\u00ed chyby\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#website\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/\",\"name\":\"COOL Money\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.coolmoney.cz\/clanky\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"cs\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#organization\",\"name\":\"COOL Money\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2021\/12\/logo-coolmoney.cz_.png\",\"contentUrl\":\"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2021\/12\/logo-coolmoney.cz_.png\",\"width\":207,\"height\":39,\"caption\":\"COOL Money\"},\"image\":{\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/0eb7e42ed7ef2807ac57211b5f8395e4\",\"name\":\"Coolmoney.cz\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"cs\",\"@id\":\"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2bb115352d6375cba1cc9c37add025bc32d318e3490f13251214039a91935704?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2bb115352d6375cba1cc9c37add025bc32d318e3490f13251214039a91935704?s=96&d=mm&r=g\",\"caption\":\"Coolmoney.cz\"},\"sameAs\":[\"https:\/\/www.coolmoney.cz\/clanky\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu","description":"Chcete si koupit automobil, ale nem\u00e1te dostatek finan\u010dn\u00edch prost\u0159edk\u016f? Porad\u00edme v\u00e1m, jak pom\u016f\u017ee efektivn\u011b a v\u00fdhodn\u011b p\u016fj\u010dka na auto.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/","og_locale":"cs_CZ","og_type":"article","og_title":"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu","og_description":"Chcete si koupit automobil, ale nem\u00e1te dostatek finan\u010dn\u00edch prost\u0159edk\u016f? Porad\u00edme v\u00e1m, jak pom\u016f\u017ee efektivn\u011b a v\u00fdhodn\u011b p\u016fj\u010dka na auto.","og_url":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/","og_site_name":"COOL Money","article_published_time":"2022-09-21T23:50:51+00:00","article_modified_time":"2022-11-14T18:05:18+00:00","og_image":[{"width":1100,"height":600,"url":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg","type":"image\/jpeg"}],"author":"Coolmoney.cz","twitter_card":"summary_large_image","twitter_title":"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu","twitter_description":"Chcete si koupit automobil, ale nem\u00e1te dostatek finan\u010dn\u00edch prost\u0159edk\u016f? Porad\u00edme v\u00e1m, jak pom\u016f\u017ee efektivn\u011b a v\u00fdhodn\u011b p\u016fj\u010dka na auto.","twitter_image":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg","twitter_misc":{"Napsal(a)":"Coolmoney.cz","Odhadovan\u00e1 doba \u010dten\u00ed":"9 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#article","isPartOf":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/"},"author":{"name":"Coolmoney.cz","@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/0eb7e42ed7ef2807ac57211b5f8395e4"},"headline":"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu a nej\u010dast\u011bj\u0161\u00ed chyby","datePublished":"2022-09-21T23:50:51+00:00","dateModified":"2022-11-14T18:05:18+00:00","mainEntityOfPage":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/"},"wordCount":2821,"commentCount":0,"publisher":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/#organization"},"image":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#primaryimage"},"thumbnailUrl":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg","articleSection":["Informace"],"inLanguage":"cs","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/","url":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/","name":"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu","isPartOf":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#primaryimage"},"image":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#primaryimage"},"thumbnailUrl":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg","datePublished":"2022-09-21T23:50:51+00:00","dateModified":"2022-11-14T18:05:18+00:00","description":"Chcete si koupit automobil, ale nem\u00e1te dostatek finan\u010dn\u00edch prost\u0159edk\u016f? Porad\u00edme v\u00e1m, jak pom\u016f\u017ee efektivn\u011b a v\u00fdhodn\u011b p\u016fj\u010dka na auto.","breadcrumb":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#breadcrumb"},"inLanguage":"cs","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/"]}]},{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#primaryimage","url":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg","contentUrl":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2022\/09\/rychla-pujcka-na-nove-auto.jpg","width":1100,"height":600,"caption":"Rychl\u00e1 p\u016fj\u010dka na nov\u00e9 auto od COOL Money"},{"@type":"BreadcrumbList","@id":"https:\/\/www.coolmoney.cz\/clanky\/pujcka-na-auto\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Dom\u016f","item":"https:\/\/www.coolmoney.cz\/clanky\/"},{"@type":"ListItem","position":2,"name":"P\u016fj\u010dka na auto: Nejsnadn\u011bj\u0161\u00ed cesty k financov\u00e1n\u00ed automobilu a nej\u010dast\u011bj\u0161\u00ed chyby"}]},{"@type":"WebSite","@id":"https:\/\/www.coolmoney.cz\/clanky\/#website","url":"https:\/\/www.coolmoney.cz\/clanky\/","name":"COOL Money","description":"","publisher":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.coolmoney.cz\/clanky\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"cs"},{"@type":"Organization","@id":"https:\/\/www.coolmoney.cz\/clanky\/#organization","name":"COOL Money","url":"https:\/\/www.coolmoney.cz\/clanky\/","logo":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/logo\/image\/","url":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2021\/12\/logo-coolmoney.cz_.png","contentUrl":"https:\/\/www.coolmoney.cz\/clanky\/wp-content\/uploads\/2021\/12\/logo-coolmoney.cz_.png","width":207,"height":39,"caption":"COOL Money"},"image":{"@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/0eb7e42ed7ef2807ac57211b5f8395e4","name":"Coolmoney.cz","image":{"@type":"ImageObject","inLanguage":"cs","@id":"https:\/\/www.coolmoney.cz\/clanky\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2bb115352d6375cba1cc9c37add025bc32d318e3490f13251214039a91935704?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2bb115352d6375cba1cc9c37add025bc32d318e3490f13251214039a91935704?s=96&d=mm&r=g","caption":"Coolmoney.cz"},"sameAs":["https:\/\/www.coolmoney.cz\/clanky"]}]}},"_links":{"self":[{"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/posts\/108","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/comments?post=108"}],"version-history":[{"count":10,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/posts\/108\/revisions"}],"predecessor-version":[{"id":127,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/posts\/108\/revisions\/127"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/media\/114"}],"wp:attachment":[{"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/media?parent=108"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/categories?post=108"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/tags?post=108"},{"taxonomy":"post_series","embeddable":true,"href":"https:\/\/www.coolmoney.cz\/clanky\/wp-json\/wp\/v2\/post_series?post=108"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}