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Leasing- Buy or lease a vehicle?

Are you thinking about buying a car? If you have to decide between leasing and buying, then the leasing calculator from eny Finance will help.

Here you will find out if a loan or lease is for you. Just enter some information about your desired lease and find out if you would save money by buying or should lease a car instead.

We have summarized the advantages which speak in favour of a purchase and against lease below the calculator for you.

CHF 10'000
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 leasingeny 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 8.90%.
  • Duration: 6 - 120 months

What does the slogan no matter why? Why comics? & Why we don't need to know your story. Find out here: http://egalwarum.ch/

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