{"id":15246,"date":"2025-08-06T05:58:31","date_gmt":"2025-08-06T05:58:31","guid":{"rendered":"https:\/\/www.automakers.cz\/?p=15246"},"modified":"2025-08-06T05:58:31","modified_gmt":"2025-08-06T05:58:31","slug":"pruzkum-vwfs-cesi-meni-zivotni-styl-o-financovani-premysleji-casteji","status":"publish","type":"post","link":"https:\/\/www.automakers.cz\/?p=15246","title":{"rendered":"Pr\u016fzkum VWFS: \u010ce\u0161i m\u011bn\u00ed \u017eivotn\u00ed styl, o financov\u00e1n\u00ed p\u0159em\u00fd\u0161lej\u00ed \u010dast\u011bji"},"content":{"rendered":"

\u010ce\u0161i \u010dast\u011bji ne\u017e d\u0159\u00edve p\u0159em\u00fd\u0161lej\u00ed o financov\u00e1n\u00ed na leasing nebo \u00fav\u011br. Zjistil to pr\u016fzkum spole\u010dnosti Volkswagen Financial Services. Podle pr\u016fzkumu je hlavn\u00edm d\u016fvodem nedostatek finan\u010dn\u00edch prost\u0159edk\u016f<\/strong><\/p>\n

Podle pr\u016fzkumu VWFS, kter\u00e9ho se \u00fa\u010dastnilo na 553 respondent\u016f. je nad\u00e1le hlavn\u00edm d\u016fvodem, pro\u010d si \u010ce\u0161i po\u0159izuj\u00ed automobil na \u00fav\u011br nam\u00edsto platby v hotovosti, nedostatek finan\u010dn\u00edch prost\u0159edk\u016f. Tento n\u00e1zor zast\u00e1v\u00e1 nadpolovi\u010dn\u00ed v\u011bt\u0161ina respondent\u016f (52 %). S odstupem n\u00e1sleduje pot\u0159eba po\u0159\u00eddit si auto co nejrychleji a mo\u017enost ponechat si finance jako rezervu (oboj\u00ed 27 %).<\/p>\n

V p\u0159\u00edpad\u011b operativn\u00edho leasingu, kter\u00fd se sjedn\u00e1v\u00e1 \u010dast\u011bji u prodejc\u016f automobil\u016f (64 %) ne\u017e \u00fav\u011bry (37 %), jsou d\u016fvody r\u016fznorod\u011bj\u0161\u00ed. Krom\u011b nedostatku financ\u00ed (36 %) je to mo\u017enost m\u00edt v cen\u011b \u00fadr\u017ebu (31 %), v\u00fdhodnost financov\u00e1n\u00ed v dne\u0161n\u00ed dob\u011b (25 %), sleva z n\u00e1kupn\u00ed ceny vozu (24 %) a fakt, \u017ee se nemus\u00ed starat o prodej vozu nebo \u0159e\u0161it poji\u0161t\u011bn\u00ed (oboj\u00ed 23 %).<\/p>\n

Lid\u00e9 financuj\u00edc\u00ed v\u016fz \u00fav\u011brem si \u010dast\u011bji mysl\u00ed, \u017ee by auto m\u011bli vlastnit a pokud by mohli, koupili by si ho rovnou za hotovost. Naopak ti, kdo vyu\u017eili leasing, oce\u0148uj\u00ed bonusy, bezstarostn\u00fd servis a u\u017e\u00edv\u00e1n\u00ed, a \u010dasto si uv\u011bdomuj\u00ed v\u00fdhody nevlastn\u011bn\u00ed automobilu.<\/p>\n

Leasing jako kl\u00ed\u010d k\u00a0flexibilit\u011b<\/strong><\/p>\n

Pr\u016fzkum VWFS rozd\u011blil z\u00e1kazn\u00edky do \u010dty\u0159 skupin podle socio-ekonomick\u00e9ho postaven\u00ed a touhy vozidlo vlastnit. Zohlednil tak\u00e9 motivaci z\u00e1kazn\u00edk\u016f k po\u0159\u00edzen\u00ed automobilu. Jako kl\u00ed\u010dov\u00ed z pr\u016fzkumu vy\u0161li lid\u00e9, kte\u0159\u00ed jsou p\u0159ipraveni na po\u0159\u00edzen\u00ed automobilu, ale z\u00e1rove\u0148 se necht\u011bj\u00ed \u00fapln\u011b vydat z pen\u011bz. Jedn\u00e1 se o 30 % lid\u00ed dot\u00e1zan\u00fdch v pr\u016fzkumu.<\/p>\n

Dal\u0161\u00ed d\u016fle\u017eitou kategori\u00ed v r\u00e1mci financov\u00e1n\u00ed jsou takzvan\u00ed \u201edonucen\u00ed\u201c u\u017eivatel\u00e9. Ti tvo\u0159\u00ed skupinu 18 % dotazovan\u00fdch. Jde o lidi, kte\u0159\u00ed nemaj\u00ed dostate\u010dn\u00e9 mno\u017estv\u00ed prost\u0159edk\u016f, ale automobil je pro n\u011b \u017eivotn\u011b d\u016fle\u017eit\u00fd, pot\u0159ebuj\u00ed ho v podstat\u011b ihned.<\/p>\n

Vedle nich je skupina tzv. „frajer\u016f“. Jsou to z\u00e1kazn\u00edci, kte\u0159\u00ed maj\u00ed ke sv\u00e9mu vozu silnou citovou vazbu. Automobil pova\u017euj\u00ed za z\u00e1le\u017eitost image a sebevyj\u00e1d\u0159en\u00ed. Pe\u010dliv\u011b si vyb\u00edraj\u00ed zna\u010dku a technick\u00e9 atributy vozu. \u00a0Jde o 9 % v\u0161ech dot\u00e1zan\u00fdch. \u201eU t\u00e9to skupiny vid\u00edme nejv\u011bt\u0161\u00ed motivaci financovat automobil operativn\u00edm leasingem. Jedn\u00e1 se o z\u00e1kazn\u00edky, kte\u0159\u00ed vn\u00edmaj\u00ed \u0161\u00ed\u0159i v\u00fdhod operativn\u00edho leasingu. Pozitivn\u011b hodnot\u00ed celkovou v\u00fdhodnost nab\u00eddky a bezstarostnost,\u201c vysv\u011btluje Vratislav Stra\u0161il, jednatel Volkswagen Financial Services.<\/p>\n

\"\"
Jednatel Volkswagen Financial Services Vratislav Stra\u0161il<\/figcaption><\/figure>\n

Kr\u00e1ter do rozpo\u010dtu versus pravideln\u00e9 spl\u00e1tky<\/strong><\/p>\n

V obecn\u00e9 rovin\u011b st\u00e1le plat\u00ed, \u017ee \u010ce\u0161i cht\u011bj\u00ed auto p\u0159ev\u00e1\u017en\u011b vlastnit. Dv\u011b t\u0159etiny lid\u00ed uvedlo, \u017ee kdyby m\u011blo dostatek finan\u010dn\u00edch prost\u0159edk\u016f, je pro n\u011b n\u00e1kup automobilu za hotov\u00e9 preferovanou variantou. \u201eTuto mo\u017enost ale mnoho lid\u00ed nem\u00e1, a proto se v pr\u016fzkumu ztoto\u017e\u0148uj\u00ed s tvrzen\u00edm, \u017ee pravideln\u00e9 spl\u00e1tky jsou lep\u0161\u00ed ne\u017e velk\u00e1 jednor\u00e1zov\u00e1 investice,\u201c konstatuje Vratislav Stra\u0161il.<\/p>\n

Dal\u0161\u00edmi d\u016fvody, pro\u010d z\u00e1kazn\u00edci preferuj\u00ed financov\u00e1n\u00ed prost\u0159ednictv\u00edm operativn\u00edho leasingu, je \u00fadr\u017eba a p\u0159idan\u00e9 slu\u017eby. V\u0161echny platby v jednotn\u00e9 \u010d\u00e1stce pova\u017euje za nejv\u011bt\u0161\u00ed v\u00fdhodu 31 % respondent\u016f pr\u016fzkumu. \u201eTrend \u201eu\u017e\u00edvej, ale nevlastni\u201c nab\u00edr\u00e1 na s\u00edle, zejm\u00e9na kv\u016fli ekonomick\u00e9 nejistot\u011b a vysok\u00e9mu kilometrov\u00e9mu n\u00e1jezdu voz\u016f, kter\u00e9 rychle ztr\u00e1cej\u00ed hodnotu,\u201c dod\u00e1v\u00e1 k v\u00fdsledk\u016fm pr\u016fzkumu Vratislav Stra\u0161il.<\/p>\n

D\u016fle\u017eit\u00fdmi hledisky pro z\u00e1kazn\u00edky vyu\u017e\u00edvaj\u00edc\u00ed operativn\u00ed leasing je tak\u00e9 sleva z n\u00e1kupn\u00ed ceny vozu (24 %) a odpadaj\u00edc\u00ed starosti s jeho pozd\u011bj\u0161\u00edm prodejem (23 %). Obecn\u011b lze \u0159\u00edct, \u017ee leasing p\u0159esouv\u00e1 \u0159adu administrativn\u00edch starost\u00ed na poskytovatele slu\u017eby. Proto respondenti uv\u00e1d\u011bli jako v\u00fdhodu, \u017ee nemus\u00ed \u0159e\u0161it poji\u0161t\u011bn\u00ed (23 %).<\/p>\n

Zna\u010dky \u0160koda a Volkswagen nejobl\u00edben\u011bj\u0161\u00ed<\/strong><\/p>\n

Volkswagen Financial Services nab\u00edz\u00ed operativn\u00ed leasing, \u00fav\u011br, nebo dal\u0161\u00ed formy financov\u00e1n\u00ed, jako je kalkulace Master v\u00a0p\u0159\u00edpad\u011b velk\u00fdch fleet\u016f. V\u00a0\u010cesku si dr\u017e\u00ed dlouhodob\u011b silnou pozici, s\u00a0vysokou spont\u00e1nn\u00ed znalost\u00ed klient\u016f a v\u00fdznamn\u00fdm pod\u00edlem na trhu. Obliba zna\u010dek \u0160koda a Volkswagen v\u00a0\u010cesk\u00e9 republice je dal\u0161\u00edm d\u016fvodem, pro\u010d tomu tak je. V\u00fdraznou oblibu t\u011bchto dvou zna\u010dek toti\u017e prok\u00e1zaly v\u00a0pr\u016fzkumu v\u0161echny dot\u00e1zan\u00e9 skupiny.<\/p>\n

Nejv\u011bt\u0161\u00ed afinitu ke zna\u010dce \u0160koda vyj\u00e1d\u0159ili lid\u00e9, kte\u0159\u00ed si nemohou dovolit nakoupit auto za hotov\u00e9 a z\u00e1rove\u0148 pot\u0159ebuj\u00ed v\u016fz rychle (67 %). Vedle nich maj\u00ed nejv\u011bt\u0161\u00ed d\u016fv\u011bru ke zna\u010dce \u0160koda lid\u00e9 ozna\u010dovan\u00ed jako p\u0159ipraven\u00ed u\u017eivatel\u00e9 (63 %). Tato skupina se chyst\u00e1 na zm\u011bnu automobilu del\u0161\u00ed dobu a sleduje p\u0159edev\u0161\u00edm hledisko pen\u011b\u017en\u00ed efektivity.<\/p>\n

Zdroj: VWFS<\/p>\n","protected":false},"excerpt":{"rendered":"

\u010ce\u0161i \u010dast\u011bji ne\u017e d\u0159\u00edve p\u0159em\u00fd\u0161lej\u00ed o financov\u00e1n\u00ed na leasing nebo \u00fav\u011br. Zjistil to pr\u016fzkum spole\u010dnosti…<\/p>\n","protected":false},"author":2,"featured_media":15247,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,45,33,10],"tags":[],"class_list":["post-15246","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analyza","category-finance","category-leasing","category-statistika"],"_links":{"self":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/15246","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=15246"}],"version-history":[{"count":6,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/15246\/revisions"}],"predecessor-version":[{"id":15253,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/15246\/revisions\/15253"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/media\/15247"}],"wp:attachment":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=15246"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=15246"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=15246"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}