{"id":13673,"date":"2026-05-20T12:44:22","date_gmt":"2026-05-20T04:44:22","guid":{"rendered":"https:\/\/www.rippa.com\/?p=13673"},"modified":"2026-05-20T13:11:23","modified_gmt":"2026-05-20T05:11:23","slug":"najem-mini-bagra-ali-nakup-kaj-je-financno-smiselnejse-2","status":"publish","type":"post","link":"https:\/\/rippa.com\/sl\/mini-excavator-rental-vs-purchase-which-makes-financial-sense-2\/","title":{"rendered":"Najem mini bagra ali nakup \u2013 kaj je finan\u010dno smiselnej\u0161e?"},"content":{"rendered":"

Kratek odgovor: Ali naj najamete ali kupite mini bager?<\/span><\/h3>\n
\n\n\n\n\n\n\n\n\n
Va\u0161a letna poraba<\/span><\/th>\nPriporo\u010dilo<\/span><\/th>\nZakaj<\/span><\/th>\n<\/tr>\n<\/thead>\n
Manj kot 10 dni na leto<\/span><\/td>\nNajem<\/span><\/td>\nCenej\u0161e kot lastni\u0161tvo, brez vzdr\u017eevanja<\/span><\/td>\n<\/tr>\n
10\u201320 dni na leto<\/span><\/td>\nKupite rabljeno<\/span><\/td>\nRazmerje med stro\u0161ki in udobjem<\/span><\/td>\n<\/tr>\n
20\u201350 dni na leto<\/span><\/td>\nKupite novo<\/span><\/td>\nPrihranki pri obratovanju upravi\u010dujejo nakup<\/span><\/td>\n<\/tr>\n
50 in ve\u010d dni na leto<\/span><\/td>\nVsekakor kupite<\/span><\/td>\nNajem bi stal 2\u20133-krat ve\u010d kot nakupna cena<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Pravilo 20 dni:<\/span>\u00a0\u010ce boste mini bager uporabljali ve\u010d kot 20 dni na leto, je nakup v obdobju petih let skoraj vedno cenej\u0161i od najema.<\/span><\/span><\/p>\n

\"\"<\/p>\n

1. Trenutne najemnine (2026)<\/span><\/h3>\n
\n\n\n\n\n\n\n\n
Velikost stroja<\/span><\/th>\nDnevna cena<\/span><\/th>\nTedenska cena (5 dni)<\/span><\/th>\nMese\u010dna cena<\/span><\/th>\n<\/tr>\n<\/thead>\n
1,0\u20131,5 tone<\/span><\/td>\n250\u2013<\/span>250\u2013<\/span><\/span><\/span><\/span>350<\/span><\/span><\/td>\n800\u2013<\/span>800\u2013<\/span><\/span><\/span><\/span>1,200<\/span><\/span><\/td>\n2.500\u2013<\/span>2<\/span>,<\/span>500\u2013<\/span><\/span><\/span><\/span>3,500<\/span><\/span><\/td>\n<\/tr>\n
1,5\u20132,5 tone<\/span><\/td>\n350\u2013<\/span>350\u2013<\/span><\/span><\/span><\/span>450<\/span><\/span><\/td>\n1.200\u2013<\/span>1<\/span>,<\/span>200\u2013<\/span><\/span><\/span><\/span>1,800<\/span><\/span><\/td>\n3.500\u2013<\/span>3<\/span>,<\/span>500\u2013<\/span><\/span><\/span><\/span>5,000<\/span><\/span><\/td>\n<\/tr>\n
2,5\u20134,0 tone<\/span><\/td>\n450\u2013<\/span>450\u2013<\/span><\/span><\/span><\/span>600<\/span><\/span><\/td>\n1.800\u2013<\/span>1<\/span>,<\/span>800\u2013<\/span><\/span><\/span><\/span>2,500<\/span><\/span><\/td>\n5.000\u2013<\/span>5<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>7,000<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

Dodatni stro\u0161ki najema:<\/span><\/span><\/p>\n

    \n
  • \n

    Dostava\/prevzem:\u00a0<\/span>100\u2013<\/span>100\u2013<\/span><\/span><\/span><\/span>300 v eno smer<\/span><\/span><\/p>\n<\/li>\n

  • \n

    Zavarovanje:\u00a0<\/span>15\u2013<\/span>15\u2013<\/span><\/span><\/span><\/span>50 na dan<\/span><\/span><\/p>\n<\/li>\n

  • \n

    Gorivo: Stro\u0161ke krije\u0161 sam (vozilo mora\u0161 vrniti s polnim rezervoarjem)<\/span><\/p>\n<\/li>\n

  • \n

    Priloge:\u00a0<\/span>50\u2013<\/span>50\u2013<\/span><\/span><\/span><\/span>150 dodatnih na dan<\/span><\/span><\/p>\n<\/li>\n<\/ul>\n

    Skriti stro\u0161ki najema:<\/span><\/span><\/p>\n

      \n
    • \n

      \u010cas prevzema in vrnitve (2\u20134 ure na najem)<\/span><\/p>\n<\/li>\n

    • \n

      Stroj morda ni ustrezno vzdr\u017eevan<\/span><\/p>\n<\/li>\n

    • \n

      Omejena razpolo\u017eljivost v sezoni<\/span><\/p>\n<\/li>\n

    • \n

      Vsaki\u010d druga\u010den stroj (nova krivulja u\u010denja)<\/span><\/p>\n<\/li>\n<\/ul>\n

      2. Stro\u0161ki nakupa (2026)<\/span><\/h3>\n
      \n\n\n\n\n\n\n\n\n\n\n\n
      Model<\/span><\/th>\nNovo cenovno razpon<\/span><\/th>\nCenovni razpon rabljenih vozil (3\u20135 let)<\/span><\/th>\n<\/tr>\n<\/thead>\n
      R319<\/span><\/td>\n12.000\u2013<\/span>12<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>15,000<\/span><\/span><\/td>\n8.000\u2013<\/span>8<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>11,000<\/span><\/span><\/td>\n<\/tr>\n
      R13<\/span><\/td>\n13.000\u2013<\/span>13<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>17,000<\/span><\/span><\/td>\n9.000\u2013<\/span>9<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>12,000<\/span><\/span><\/td>\n<\/tr>\n
      R15<\/span><\/td>\n22.000\u2013<\/span>22<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>28,000<\/span><\/span><\/td>\n14.000\u2013<\/span>14<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>18,000<\/span><\/span><\/td>\n<\/tr>\n
      R322L<\/span><\/td>\n26.000\u2013<\/span>26<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>32,000<\/span><\/span><\/td>\n16.000\u2013<\/span>16<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>22,000<\/span><\/span><\/td>\n<\/tr>\n
      R18<\/span><\/td>\n26.000\u2013<\/span>26<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>32,000<\/span><\/span><\/td>\n16.000\u2013<\/span>16<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>22,000<\/span><\/span><\/td>\n<\/tr>\n
      R330<\/span><\/td>\n28.000\u2013<\/span>28<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>38,000<\/span><\/span><\/td>\n18.000\u2013<\/span>18<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>25,000<\/span><\/span><\/td>\n<\/tr>\n
      R350<\/span><\/td>\n38.000\u2013<\/span>38<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>48,000<\/span><\/span><\/td>\n25.000\u2013<\/span>25<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>32,000<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

      Stro\u0161ki nakupa, ki niso povezani s strojem:<\/span><\/span><\/p>\n

        \n
      • \n

        Napovednik:\u00a0<\/span>1.500\u2013<\/span>1<\/span>,<\/span>500\u2013<\/span><\/span><\/span><\/span>6.000 (\u010de ga \u0161e nimate)<\/span><\/span><\/p>\n<\/li>\n

      • \n

        Priloge:\u00a0<\/span>2.000\u2013<\/span>2<\/span>,<\/span>000\u2013<\/span><\/span><\/span><\/span>5.000 za osnovni komplet<\/span><\/span><\/p>\n<\/li>\n

      • \n

        Dostava:\u00a0<\/span>300\u2013<\/span>300\u2013<\/span><\/span><\/span><\/span>1,500<\/span><\/span><\/p>\n<\/li>\n

      • \n

        Davek na prodajo: 0\u201310% nakupne cene<\/span><\/p>\n<\/li>\n<\/ul>\n

        3. Primerjava stro\u0161kov v obdobju petih let<\/span><\/h3>\n

        Scenarij 1: Redka uporaba (10 dni na leto)<\/span><\/span><\/p>\n

        \n\n\n\n\n\n\n\n\n\n
        Stro\u0161kovni dejavnik<\/span><\/th>\nNajem<\/span><\/th>\nKupite novo<\/span><\/th>\nKupite rabljeno<\/span><\/th>\n<\/tr>\n<\/thead>\n
        Letni stro\u0161ki najema (10 dni po ceni $400)<\/span><\/td>\n$4,000<\/span><\/td>\n\u2014<\/span><\/td>\n\u2014<\/span><\/td>\n<\/tr>\n
        Nakupna cena<\/span><\/td>\n\u2014<\/span><\/td>\n$25,000<\/span><\/td>\n$16,000<\/span><\/td>\n<\/tr>\n
        Letni stro\u0161ki obratovanja<\/span><\/td>\n\u2014<\/span><\/td>\n$600<\/span><\/td>\n$800<\/span><\/td>\n<\/tr>\n
        Vrednost pri nadaljnji prodaji po 5 letih<\/span><\/td>\n\u2014<\/span><\/td>\n\u2013$12.500<\/span><\/td>\n\u2013$8.000<\/span><\/td>\n<\/tr>\n
        Skupni stro\u0161ki v obdobju 5 let<\/span><\/span><\/td>\n$20,000<\/span><\/span><\/td>\n$16,100<\/span><\/span><\/td>\n$12,800<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

        Zmagovalec: Kupite rabljeno<\/span>\u00a0\u2013 prihranek $7.200 v primerjavi z najemom<\/span><\/span><\/p>\n

        Scenarij 2: Zmerna uporaba (20 dni na leto)<\/span><\/span><\/p>\n

        \n\n\n\n\n\n\n\n\n\n
        Stro\u0161kovni dejavnik<\/span><\/th>\nNajem<\/span><\/th>\nKupite novo<\/span><\/th>\nKupite rabljeno<\/span><\/th>\n<\/tr>\n<\/thead>\n
        Letni stro\u0161ki najema (20 dni po ceni $400)<\/span><\/td>\n$8,000<\/span><\/td>\n\u2014<\/span><\/td>\n\u2014<\/span><\/td>\n<\/tr>\n
        Nakupna cena<\/span><\/td>\n\u2014<\/span><\/td>\n$25,000<\/span><\/td>\n$16,000<\/span><\/td>\n<\/tr>\n
        Letni stro\u0161ki obratovanja<\/span><\/td>\n\u2014<\/span><\/td>\n$600<\/span><\/td>\n$800<\/span><\/td>\n<\/tr>\n
        Vrednost pri nadaljnji prodaji po 5 letih<\/span><\/td>\n\u2014<\/span><\/td>\n\u2013$12.500<\/span><\/td>\n\u2013$8.000<\/span><\/td>\n<\/tr>\n
        Skupni stro\u0161ki v obdobju 5 let<\/span><\/span><\/td>\n$40,000<\/span><\/span><\/td>\n$16,100<\/span><\/span><\/td>\n$12,800<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

        Zmagovalec: Kupite novega ali rabljenega<\/span>\u00a0\u2013 prihrani $23.000+ v primerjavi z najemom<\/span><\/span><\/p>\n

        Scenarij 3: Intenzivna raba (50 dni na leto)<\/span><\/span><\/p>\n

        \n\n\n\n\n\n\n\n\n\n
        Stro\u0161kovni dejavnik<\/span><\/th>\nNajem<\/span><\/th>\nKupite novo<\/span><\/th>\nKupite rabljeno<\/span><\/th>\n<\/tr>\n<\/thead>\n
        Letni stro\u0161ki najema (50 dni po ceni $400)<\/span><\/td>\n$20,000<\/span><\/td>\n\u2014<\/span><\/td>\n\u2014<\/span><\/td>\n<\/tr>\n
        Nakupna cena<\/span><\/td>\n\u2014<\/span><\/td>\n$25,000<\/span><\/td>\n$16,000<\/span><\/td>\n<\/tr>\n
        Letni stro\u0161ki obratovanja<\/span><\/td>\n\u2014<\/span><\/td>\n$600<\/span><\/td>\n$800<\/span><\/td>\n<\/tr>\n
        Vrednost pri nadaljnji prodaji po 5 letih<\/span><\/td>\n\u2014<\/span><\/td>\n\u2013$12.500<\/span><\/td>\n\u2013$8.000<\/span><\/td>\n<\/tr>\n
        Skupni stro\u0161ki v obdobju 5 let<\/span><\/span><\/td>\n$100,000<\/span><\/span><\/td>\n$16,100<\/span><\/span><\/td>\n$12,800<\/span><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

        Zmagovalec: Kupi<\/span>\u00a0\u2013 prihranek v vi\u0161ini $83.000+ v primerjavi z najemom v obdobju 5 let<\/span><\/span><\/p>\n

        Klju\u010dna ugotovitev:<\/span>\u00a0\u010cim ve\u010d uporabljate napravo, tem ve\u010dji so prihranki, ki jih prina\u0161a njeno lastni\u0161tvo.<\/span><\/span><\/p>\n

        \"\"<\/p>\n

        4. Primeri iz prakse<\/span><\/h3>\n

        Primer 1: Lastnik hi\u0161e z zemlji\u0161\u010dem velikosti 2 akra<\/span><\/span><\/p>\n