Leasing - Buy or lease a vehicle?

Purchase price in CHF

(indicate your agreed on purchase price for the car here.)

Downpayment/ your leasing rate in CHF

(Indicate here what downpayment/ first lease instalment was arranged with your lease provider.)

Lease period in months

(Indicate the period your leasing contract should have.)

Nominal annual interest in %

(Indicate what nominal interest rate was agreed on with your lease provider.)

Included kilometres per year

Type of residual value calculation

(The agree-on residual value of the car according to the contract, after the lease expires.)

Automatic

manual

Residual value of the car

CHF 10'000

Residual value of the car

(Do you know the agreed-upon residual value of your car? Then click on "manual" and enter it. If you do not know it, this is not bad. Select "automatic" and we will calculate the residual value. No guarantee can be provided for the accuracy of the calculation.)

A lease may not be granted if it would lead to excessive debt on the part of the consumer (legal information acc. to Art. 3 UWG). These statements do not constitute a legally binding offer. Information about the insurance and the residual value of the care are estimates based on conventional values in Switzerland. Rounding differences are possible.

	Car leasing	eny Finance
Monthly rate	CHF	CHF
Total amount of installments	CHF	CHF
Total costs including paying off the vehicle	CHF	CHF
Difference in financing
Annual interest (effective)	%	4.50%
Interest costs	CHF	CHF
Additional savings potential, insurance
Your savings potential
Statements about insurance are estimates based on conventional values in Switzerland. Rounding differences are possible.

Your advantages in an auto loan.

The vehicle is your property
The vehicle belongs to you and not to the garage
No mileage limit
Drive as much as you want with no extra charges/li>
Flexible loan periods
from 6 to 120 months
Loans can be repaid in full at any time
The car can be paid off at any time
Tax advantage- loan interest.
The interest on the loan is tax deductible
No required service contract and comprehensive coverage.
You select the garage and the insurance coverage.

Lease or loan? Your advantages as a private individual.

Self-employed persons benefit from the tax advantages that private persons do not get. To this extent a car loan is generally the better choice when financing a car purchase. As a rule, the leasing calculation yields more favourable instalments, but you have to keep in mind that leasing means you do not own the car and at the end of the lease period it only becomes yours after you pay the remaining value. This remaining value will then have to be financed or paid from your own funds.

Additionally, you need to think of other criteria: In a leasing contract you are obligated to carry comprehensive insurance coverage. If you purchase the car in the framework of loan financing you decide as an individual how to insure your vehicle. In terms of repayment, a loan is considerably more flexible because additional payments are possible at any time.

You should therefore check your lease carefully and compare this option with an auto loan from eny Credit. You can calculate the amount of the repayment installments on a loan and the loan interest in our calculator.

The credit provider is eny Finance AG, headquartered in Zurich. The granting of credit is prohibited if it leads to over-indebtedness (Art. 3 UWG)

The maximum annual percentage rate is 9.90%.
Duration: 6 - 84 months

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