[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.basama.cz\/vyberte-si-auto\/#Article","mainEntityOfPage":"https:\/\/www.basama.cz\/vyberte-si-auto\/","headline":"Vyberte si auto","name":"Vyberte si auto","description":"Jezd\u00edte star\u00fdm autem, a kdy\u017e vid\u00edte v\u0161ude okolo sebe nov\u00e1 auta, p\u0159em\u00fd\u0161l\u00edte i vy nad...","datePublished":"2026-01-03","dateModified":"2026-01-03","author":{"@type":"Person","@id":"https:\/\/www.basama.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.basama.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/0412c3dad30f33fa104fa4f87b3ce5af9aea5f3e20fa015d071a3573d325a5fc?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"basama.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.basama.cz\/wp-content\/uploads\/car-3318597_640_10_10_10_7.jpg","url":"https:\/\/www.basama.cz\/wp-content\/uploads\/car-3318597_640_10_10_10_7.jpg","height":0,"width":0},"url":"https:\/\/www.basama.cz\/vyberte-si-auto\/","about":["Podnik\u00e1n\u00ed"],"wordCount":438,"articleBody":"       Jezd\u00edte star\u00fdm autem, a kdy\u017e vid\u00edte v\u0161ude okolo sebe nov\u00e1 auta, p\u0159em\u00fd\u0161l\u00edte i vy nad n\u00e1kupem nov\u011bj\u0161\u00edho modelu? Spousta lid\u00ed si bohu\u017eel nov\u00e9 auto dovolit nem\u016f\u017ee kv\u016fli zvy\u0161uj\u00edc\u00edm se cen\u00e1m. Auta, kter\u00e1 je\u0161t\u011b p\u0159ed p\u00e1r lety st\u00e1la t\u0159eba p\u016fl milionu korun, dnes stoj\u00ed o des\u00edtky tis\u00edc korun v\u00edc. A ke zdra\u017eov\u00e1n\u00ed do\u0161lo nap\u0159\u00ed\u010d v\u0161emi v\u00fdrobci vozidel. Kdo s p\u0159\u00edjmy vych\u00e1z\u00ed jen tak tak, nejsp\u00ed\u0161 si nov\u00e9 auto nekoup\u00ed je\u0161t\u011b dlouho i p\u0159esto, \u017ee si m\u016f\u017ee koupit auto na spl\u00e1tky bez prokazov\u00e1n\u00ed p\u0159\u00edjmu. Kdy\u017e si n\u011bkdo chce koupit n\u011bco, na co nem\u00e1 pen\u00edze, m\u016f\u017ee vyu\u017e\u00edt spl\u00e1tky. Ka\u017ed\u00fd, kdo m\u00e1 pravideln\u00fd p\u0159\u00edjem, si m\u016f\u017ee koupit zbo\u017e\u00ed na spl\u00e1tky, kter\u00e9 poskytuj\u00ed nejen banky, ale i nebankovn\u00ed spole\u010dnosti. I p\u0159i n\u00e1kupu zbo\u017e\u00ed na spl\u00e1tky je dobr\u00e9 se pojistit pro p\u0159\u00edpad neschopnosti spl\u00e1cet. Je pot\u0159eba po\u010d\u00edtat s t\u00edm, \u017ee poka\u017ed\u00e9, kdy\u017e si budete cht\u00edt za\u017e\u00e1dat o \u00fav\u011br, po v\u00e1s banka bude vy\u017eadovat prok\u00e1z\u00e1n\u00ed p\u0159\u00edjm\u016f. Pokud m\u00e1te nestabiln\u00ed p\u0159\u00edjem a nebo nechcete nikde sd\u011blovat sv\u00e9ho zam\u011bstnavatele nebo p\u016fvod p\u0159\u00edjm\u016f obecn\u011b, m\u016f\u017eete vyu\u017e\u00edt n\u00e1kup auta na spl\u00e1tky u nebankovn\u00ed spole\u010dnosti.Ka\u017ed\u00fd by si m\u011bl p\u0159ed sjedn\u00e1n\u00edm n\u00e1kupu na spl\u00e1tky spo\u010d\u00edtat p\u0159\u00edjm\u016f a v\u00fddaje, aby m\u011bl dostatek prost\u0159edk\u016f na hrazen\u00ed pravideln\u00fdch spl\u00e1tek. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b se \u010dlov\u011bk velice rychle dostane do finan\u010dn\u00edch probl\u00e9m\u016f, kter\u00e9 mohou kon\u010dit exekuc\u00ed nebo insolvenc\u00ed. A v takov\u00e9m p\u0159\u00edpad\u011b se eviduje dlu\u017en\u00edkovo jm\u00e9no v registrech dlu\u017en\u00edk\u016f, kde z\u016fst\u00e1v\u00e1 je\u0161t\u011b t\u0159i roky po uhrazen\u00ed ve\u0161ker\u00fdch dluh\u016f. V t\u00e9to situaci potom dlu\u017en\u00edk nez\u00edsk\u00e1 \u00fav\u011br ani p\u016fj\u010dku u v\u011bt\u0161iny bank. Kdybyste potom cht\u011bli \u0159e\u0161it t\u0159eba svoje bydlen\u00ed prost\u0159ednictv\u00edm hypot\u00e9ky, museli byste si ji vz\u00edt u nebankovn\u00ed spole\u010dnosti, kter\u00e1 nab\u00edz\u00ed p\u0159\u00edv\u011btiv\u011bj\u0161\u00ed podm\u00ednky pro schv\u00e1len\u00ed, ale vy\u017eaduje \u00fahradu vy\u0161\u0161\u00edch \u00farok\u016f. Myslete na to a neberte si p\u016fj\u010dky bezhlav\u011b, proto\u017ee za to zaplat\u00edte nejen finan\u010dn\u011b. Opravdu se vyplat\u00ed nep\u0159ece\u0148ovat svoje s\u00edly.                                                                                                                                                                                                                                                                                                                                                                                                  "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Vyberte si auto","item":"https:\/\/www.basama.cz\/vyberte-si-auto\/#breadcrumbitem"}]}]