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Cars & motorcyclesCar leasingCalculate lease payment

Calculate lease payment | comparis.ch

Car lease calculator

What is the purchase price of your preferred car?

20'000

CHF 1'000

CHF 80'000

Lease term in months
48

12 months

60 months

Down payment in CHF

Interest rate 

3.90%

 

to

 

5.90%

Residual value at the end of lease 

CHF

Monthly lease payment

449.17

 

to

 

465.83

 

CHF

Total cost of payments

21'560.16

 

to

 

22'359.84

 

CHF

Interest costs 

1'560.16

 

to

 

2'359.84

 

CHF

Don't forget to add full casco insurance

 

While full casco insurance is recommended for new cars, in the case of a lease, it is compulsory.

Full casco insurance (per year)

CHF

Calculate car insurance

Total cost of lease per month

551.67

  

to

  

568.33

 

CHF

The alternative:
A loan gives you flexibility and the car belongs to you.

Car loan

Leasing is expensive and limiting

  • Leasing a car involves entering into a long-term agreement and paying interest for the term of the lease.
  • You are obliged to take out full casco insurance for the entire term. These premiums can be expensive, particularly for young drivers. You can find out exactly how much you would pay by comparing car insurance.

Leasing does not give you flexibility

  • Depending on the contract, you may not be allowed to lend the car to a third party or drive it abroad.
  • You must take the car in for maintenance and inspection checks as stipulated.
  • If any self-inflicted vehicle damage is found at the end of the lease, you will be required to pay for it.

Ending the car lease early will also incur costs: although the vehicle's loss of value is spread across the lease term, the rate at which vehicles depreciate is significantly higher at the start of the lease. If you break the lease, you pay this difference retroactively.

Good to know: you can deduct the interest paid on your consumer loan from your taxable income. This is not possible for vehicles leased for private use.

A personal loan may be an attractive option

  • You are only entitled to buy your leased vehicle at the end of the lease if a first right of refusal is stipulated in the contract.
  • If you purchase a car using a personal loan, you own the car from the start and can do what you like with it – sell it, for example.
  • It is also easy to end your contract at any time by paying off the loan early.
  • You are free to choose whichever car insurance you prefer and you can buy a used vehicle. These are all options not offered by leasing.

Without doubt, the cheapest way to buy a car is by using money that you've saved. If this is not possible, and there's no way of postponing the purchase, make sure you weigh up the total costs and limitations carefully.

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All information supplied without liability. © by comparis.ch AG
Note: These figures are intended as a guide only. The actual lease payments will differ depending on factors such as residual value, term and interest rate. An exact price can only be calculated on an individual basis.
When you lease a vehicle, you are required to take out full casco insurance. To find out the cheapest deal for your vehicle, use our car insurance comparison.