{"id":23564,"date":"2026-07-28T18:32:34","date_gmt":"2026-07-28T18:32:34","guid":{"rendered":"https:\/\/www.automakers.cz\/?p=23564"},"modified":"2026-07-28T18:32:34","modified_gmt":"2026-07-28T18:32:34","slug":"prvni-ojetina-stoji-mlade-ridice-v-prumeru-337-tisic-korun","status":"publish","type":"post","link":"https:\/\/www.automakers.cz\/?p=23564","title":{"rendered":"Prvn\u00ed ojetina stoj\u00ed mlad\u00e9 \u0159idi\u010de v pr\u016fm\u011bru 337 tis\u00edc korun"},"content":{"rendered":"<p><strong>Data Leasingu \u010cesk\u00e9 spo\u0159itelny za posledn\u00edch 10 let (2016\u20132026) ukazuj\u00ed, \u017ee mlad\u00ed klienti ve v\u011bku 18 a\u017e 26 let po\u0159izuj\u00ed prost\u0159ednictv\u00edm \u00fav\u011bru nej\u010dast\u011bji ojet\u00e9 vozy. Ty tvo\u0159\u00ed 93,3 % aut v t\u00e9to v\u011bkov\u00e9 skupin\u011b. Pr\u016fm\u011brn\u00e1 po\u0159izovac\u00ed cena vozu dosahuje 337 tis\u00edc korun a pr\u016fm\u011brn\u00e1 financovan\u00e1 \u010d\u00e1stka p\u0159esahuje 251 tis\u00edc korun. <\/strong><!--more--><\/p>\n<p>Po slab\u0161\u00edch letech se nav\u00edc mlad\u0161\u00ed klienti k \u00fav\u011brov\u00e9mu financov\u00e1n\u00ed aut znovu vracej\u00ed \u2013 nejv\u00fdrazn\u011bj\u0161\u00ed n\u00e1r\u016fst je v datech vid\u011bt mezi roky\u00a0 2023 a 2025.<\/p>\n<p>T\u00e9ma auta se nav\u00edc v rodin\u00e1ch otev\u00edr\u00e1 d\u0159\u00edve ne\u017e v minulosti. Od roku 2024 mohou mlad\u00ed lid\u00e9 \u0159\u00eddit v re\u017eimu L17 u\u017e od sedmn\u00e1cti let, pokud maj\u00ed po boku mentora. Spolu s \u0159idi\u010d\u00e1kem tak \u010dasto p\u0159ich\u00e1z\u00ed i ot\u00e1zka, zda bude mlad\u00fd \u0159idi\u010d vyu\u017e\u00edvat rodinn\u00e9 auto, nebo zda rodina za\u010dne \u0159e\u0161it dal\u0161\u00ed v\u016fz. Pr\u00e1v\u011b v tu chv\u00edli podle Leasingu \u010cS nesta\u010d\u00ed d\u00edvat se jen na po\u0159izovac\u00ed cenu a v\u00fd\u0161i spl\u00e1tky, ale i na celkov\u00e9 n\u00e1klady, provoz a bezpe\u010dn\u011b nastaven\u00fd rozpo\u010det.<\/p>\n<blockquote><p>\u201eU auta na za\u010d\u00e1tku \u0159idi\u010dsk\u00e9ho \u017eivota se \u010dasto \u0159e\u0161\u00ed hlavn\u011b zna\u010dka, cena nebo m\u011bs\u00ed\u010dn\u00ed spl\u00e1tka. To je ale jen \u010d\u00e1st rozhodov\u00e1n\u00ed. Zvl\u00e1\u0161\u0165 u ojet\u00e9ho auta je d\u016fle\u017eit\u00e9 v\u011bd\u011bt, co kupuji: tedy zn\u00e1t jeho historii, technick\u00fd stav a re\u00e1ln\u00e9 n\u00e1klady, kter\u00e9 s n\u00edm mohou p\u0159ij\u00edt v dal\u0161\u00edch m\u011bs\u00edc\u00edch,\u201c \u0159\u00edk\u00e1 Petr Vacek, CEO Leasingu \u010cesk\u00e9 spo\u0159itelny.<\/p><\/blockquote>\n<p>Podle intern\u00ed anal\u00fdzy Leasingu \u010cS za obdob\u00ed 2016\u20132026 p\u0159ipad\u00e1 na mlad\u00e9 klienty ve v\u011bku 18 a\u017e 26 let celkem 3 841 smluv. Data se t\u00fdkaj\u00ed fyzick\u00fdch osob, kter\u00e9 po\u0159izovaly v\u016fz prost\u0159ednictv\u00edm \u00fav\u011brov\u00e9ho financov\u00e1n\u00ed Leasingu \u010cS, ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f p\u0159es s\u00ed\u0165 partnersk\u00fdch prodejc\u016f vozidel. U nejmlad\u0161\u00ed skupiny klient\u016f ve v\u011bku 18 a\u017e 20 let je pod\u00edl ojetin podobn\u00fd jako u cel\u00e9 skupiny mlad\u00fdch klient\u016f, konkr\u00e9tn\u011b 92,4 %. Ojet\u00e9 vozy sice p\u0159eva\u017euj\u00ed i mezi klienty celkov\u011b, u mlad\u00fdch je ale jejich pod\u00edl je\u0161t\u011b v\u00fdrazn\u011bj\u0161\u00ed. Data z\u00e1rove\u0148 nazna\u010duj\u00ed, \u017ee z\u00e1jem mlad\u0161\u00edch klient\u016f o \u00fav\u011brov\u00e9 financov\u00e1n\u00ed aut po slab\u0161\u00edch letech znovu roste. V letech 2020 a\u017e 2024 byl po\u010det smluv u mlad\u0161\u00edch v\u011bkov\u00fdch skupin ni\u017e\u0161\u00ed, zat\u00edmco mezi roky 2023 a 2025 je vid\u011bt v\u00fdrazn\u011bj\u0161\u00ed n\u00e1r\u016fst. Pokud se tento v\u00fdvoj potvrd\u00ed i za cel\u00fd rok 2026, m\u016f\u017ee j\u00edt o sign\u00e1l, \u017ee mlad\u00ed lid\u00e9 se po obdob\u00ed opatrnosti k po\u0159\u00edzen\u00ed auta prost\u0159ednictv\u00edm \u00fav\u011bru znovu vracej\u00ed.<\/p>\n<p><strong>Auto na za\u010d\u00e1tku \u0159idi\u010dsk\u00e9ho \u017eivota p\u0159itom nemus\u00ed b\u00fdt levnou polo\u017ekou.<\/strong> Mlad\u00ed klienti ve v\u011bku 18 a\u017e 26 let nej\u010dast\u011bji po\u0159izuj\u00ed vozy za 250 a\u017e 400 tis\u00edc korun, konkr\u00e9tn\u011b ve 40,2 % p\u0159\u00edpad\u016f. Dal\u0161\u00edch 34,1 % vol\u00ed auta do 250 tis\u00edc korun. U nejmlad\u0161\u00ed skupiny 18 a\u017e 20 let je rozpo\u010det ni\u017e\u0161\u00ed, polovinu smluv tvo\u0159\u00ed auta do 250 tis\u00edc korun.<\/p>\n<p>Data Leasingu \u010cS z\u00e1rove\u0148 ukazuj\u00ed, \u017ee mlad\u00ed klienti \u010dasto financuj\u00ed podstatnou \u010d\u00e1st ceny auta. U 1 337 smluv klient\u016f ve v\u011bku 18 a\u017e 26 let pokr\u00fdval \u00fav\u011br alespo\u0148 90 % ceny vozu a 914 smluv bylo sjedn\u00e1no s nulovou akontac\u00ed. Pr\u00e1v\u011b v takov\u00fdch p\u0159\u00edpadech je podle Leasingu \u010cS d\u016fle\u017eit\u00e9, aby se mlad\u00fd \u010dlov\u011bk nebo jeho rodina ned\u00edvali jen na to, zda \u201evyjde spl\u00e1tka\u201c, ale i na to, co bude auto st\u00e1t v provozu.<\/p>\n<blockquote><p>\u201eMlad\u00ed lid\u00e9 se financov\u00e1n\u00ed auta neboj\u00ed. V pr\u016fm\u011bru si nech\u00e1vaj\u00ed financovat zhruba 77 % hodnoty vozu a \u010d\u00e1st z nich vol\u00ed \u00fav\u011br s minim\u00e1ln\u00ed nebo nulovou akontac\u00ed. Pokud je financov\u00e1n\u00ed nastaven\u00e9 odpov\u011bdn\u011b, m\u016f\u017ee jim roz\u0161\u00ed\u0159it mo\u017enosti v\u00fdb\u011bru a pomoci nesoust\u0159edit se jen na nejni\u017e\u0161\u00ed po\u0159izovac\u00ed cenu. Z\u00e1rove\u0148 ale plat\u00ed, \u017ee prvn\u00ed v\u011bt\u0161\u00ed finan\u010dn\u00ed z\u00e1vazek vy\u017eaduje odpov\u011bdnost. Auto nekon\u010d\u00ed m\u011bs\u00ed\u010dn\u00ed spl\u00e1tkou a rozpo\u010det by m\u011bl po\u010d\u00edtat i s provozem a rezervou na ne\u010dekan\u00e9 v\u00fddaje,\u201c dopl\u0148uje Petr Vacek.<\/p><\/blockquote>\n<p>Mezi vozy po\u0159\u00edzen\u00fdmi mlad\u00fdmi klienty s financov\u00e1n\u00edm Leasingu \u010cS nej\u010dast\u011bji p\u0159eva\u017euje \u0160koda (44,7 %), n\u00e1sledovan\u00e1 zna\u010dkami Volkswagen (12,9 %), Hyundai (6,5 %) a Ford (4,1 %). Ve srovn\u00e1n\u00ed se star\u0161\u00edmi klienty je v\u00fdb\u011br mlad\u00fdch v\u00fdrazn\u011bji soust\u0159ed\u011bn\u00fd kolem jedn\u00e9 zna\u010dky. U klient\u016f nad 30 let je pod\u00edl \u0160kody ni\u017e\u0161\u00ed a v\u00fdb\u011br zna\u010dek se v\u00edce rozprost\u00edr\u00e1 mezi dal\u0161\u00ed v\u00fdrobce. Podle Leasingu \u010cS to odpov\u00edd\u00e1 snaze mlad\u00fdch klient\u016f vyb\u00edrat dostupn\u00e1, zn\u00e1m\u00e1 a dob\u0159e servisovateln\u00e1 auta.<\/p>\n<p><strong>Co si p\u0159ed po\u0159\u00edzen\u00edm auta opravdu spo\u010d\u00edtat<\/strong><br \/>\nP\u0159i po\u0159izov\u00e1n\u00ed auta na za\u010d\u00e1tku \u0159idi\u010dsk\u00e9ho \u017eivota nesta\u010d\u00ed porovnat po\u0159izovac\u00ed cenu a m\u011bs\u00ed\u010dn\u00ed spl\u00e1tku.<br \/>\nPraktick\u00fd rozpo\u010det by m\u011bl zahrnovat i dal\u0161\u00ed polo\u017eky:<br \/>\n<strong>\uf0b7 <\/strong>poji\u0161t\u011bn\u00ed: povinn\u00e9 ru\u010den\u00ed, p\u0159\u00edpadn\u011b havarijn\u00ed poji\u0161t\u011bn\u00ed,<br \/>\n\uf0b7 servis a opravy: pravidelnou \u00fadr\u017ebu, brzdy, baterii i rezervu na ne\u010dekan\u00e9 opravy,<br \/>\n\uf0b7 pneumatiky: sez\u00f3nn\u00ed v\u00fdm\u011bnu, p\u0159\u00edpadn\u011b n\u00e1kup nov\u00e9 sady,<br \/>\n\uf0b7 provoz: palivo nebo dob\u00edjen\u00ed, parkov\u00e1n\u00ed, d\u00e1lni\u010dn\u00ed zn\u00e1mku a b\u011b\u017enou \u00fadr\u017ebu,<br \/>\n\uf0b7 prov\u011b\u0159en\u00ed ojetiny: historii vozu, stav tachometru, p\u0159\u00edpadn\u00e1 po\u0161kozen\u00ed a servisn\u00ed z\u00e1znamy,<br \/>\n\uf0b7 finan\u010dn\u00ed rezervu: pen\u00edze, kter\u00e9 z\u016fstanou stranou i po zaplacen\u00ed akontace a pravideln\u00e9<br \/>\nspl\u00e1tky.<\/p>\n<p><strong>Sou\u010d\u00e1st\u00ed rozhodov\u00e1n\u00ed by m\u011blo b\u00fdt i prov\u011b\u0159en\u00ed historie ojet\u00e9ho vozu.<\/strong> U za\u010d\u00ednaj\u00edc\u00edch \u0159idi\u010d\u016f m\u016f\u017ee b\u00fdt l\u00e1kav\u00e9 vyb\u00edrat hlavn\u011b podle ceny, pr\u00e1v\u011b u levn\u011bj\u0161\u00edch ojetin ale m\u016f\u017ee \u0161patn\u011b odhadnut\u00fd technick\u00fd stav znamenat dal\u0161\u00ed ne\u010dekan\u00e9 v\u00fddaje. I proto Leasing \u010cS klient\u016fm doporu\u010duje ov\u011b\u0159it si historii vozu p\u0159ed podpisem smlouvy, nap\u0159\u00edklad prost\u0159ednictv\u00edm slu\u017eby Cebia.<\/p>\n<p><strong>Data vych\u00e1zej\u00ed z intern\u00ed anal\u00fdzy Leasingu \u010cesk\u00e9 spo\u0159itelny<\/strong>, kter\u00e1 zahrnuje 42 318 smluv fyzick\u00fdch osob na \u00fav\u011brov\u00e9 financov\u00e1n\u00ed voz\u016f za obdob\u00ed 2016\u20132026. Skupina klient\u016f ve v\u011bku 18 a\u017e 26 let zahrnovala 3 841 smluv, skupina 18 a\u017e 20 let 184 smluv.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Data Leasingu \u010cesk\u00e9 spo\u0159itelny za posledn\u00edch 10 let (2016\u20132026) ukazuj\u00ed, \u017ee mlad\u00ed klienti ve v\u011bku&#8230;<\/p>\n","protected":false},"author":8,"featured_media":23566,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45,33,10],"tags":[],"class_list":["post-23564","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-leasing","category-statistika"],"_links":{"self":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/23564","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23564"}],"version-history":[{"count":2,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/23564\/revisions"}],"predecessor-version":[{"id":23572,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/posts\/23564\/revisions\/23572"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=\/wp\/v2\/media\/23566"}],"wp:attachment":[{"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23564"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23564"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.automakers.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23564"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}