Leasing calculation

How much does leasing cost? What are the total costs? What role does the interest rate, the down payment and also the residual value play?

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Leasing costs
How do I calculate?

How much does leasing cost and how can I calculate a leasing rate?

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Leasing
How does it work?

What is leasing and what are the advantages and disadvantages?

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Leasing
Questions and answers

The most important questions and answers about leasing.

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EN TCO Ford Fiesta ST Line X White

Info leasing

List price incl. optional extras:
CHF 32'750

Discount on list price:
7%

Down payment Leasing:
CHF 3'000 (CHF 83 / month)

Leasing rate:
4.9 %

The comparison is from June 2023. Find out more about our assumptions for the comparison here.

EN TCO Abarth 595

Info leasing

List price incl. optional extras:
CHF 34'140

Discount on list price:
7%

Down payment leasing:
CHF 3'500 (CHF 97 / month)

Leasing rate:
4.9 %

The comparison is from June 2023. Find out more about our assumptions for the comparison here.

EN TCO Cupra Leon Sportstourer White

Info leasing

List price incl. optional extras:
CHF 47'300

Discount on list price:
10%

Down payment leasing:
CHF 4'500 (CHF 125 / month)

Leasing rate:
4.9 %

The comparison is from June 2023. Find out more about our assumptions for the comparison here.

Leasing: How do I calculate?

The monthly leasing costs depend heavily on the car and make, as well as the leasing period, the amount of the down payment (also known as a one-off special payment) and the terms of the leasing contract. In addition, the annual kilometres driven and any additional costs if the kilometre limit is exceeded also influence the costs. In addition to all these factors, there is also the interest rate and the residual value in the contract to consider, which have a significant impact on the monthly leasing rate. Normally, the monthly leasing rate for a private car ranges from a few hundred to several thousand francs, depending on the factors mentioned. To estimate the total cost of a lease, TCS recommends calculating the leasing rate approximately times three.



Down payment:
The down payment can usually be set by yourself and in most cases is several thousand francs.

Monthly payments:
In addition to the monthly leasing rate, there are other expenses such as taxes, registration fees or other administrative costs.

Insurance:
With a leased car, in addition to the compulsory third-party insurance, comprehensive insurance is also required, which is why these costs for insurance must also be included in the monthly expenses.

Service and maintenance:
Even if the leasing contract partially includes certain services, additional costs for repairs, tyres, brakes, etc. may arise.

Costs at the end of the leasing contract:
At the end of the lease term, or at the time of return to the dealer, there may be additional costs for excessive wear and tear, excessive mileage or other charges if the stipulated terms of the lease have not been adhered to.

Early termination charges:
If a lease is terminated early, there may be high cost implications as an early termination fee will be due.
It is very important with a leasing contract to check the terms carefully and to make cautious assumptions when determining the duration and kilometres in order to avoid high costs later on.

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How to calculate properly a leasing

Tips and tricks around leasing calculations and leasing costs

The Comparis leasing calculator

With the Comparis leasing calculator, you can quickly and easily obtain a good guideline for the amount of the leasing rate with just a few entries.

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The Cembra leasing calculator

With the Cembra Leasing Calculator you can estimate the costs of a leasing instalment relatively accurately. If the information is entered correctly, this calculator is very accurate.

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Operating cost calculator from TCS

The leasing rate alone is only part of the total costs. This is why the TCS operating cost calculator is suitable for correctly estimating the costs of a leased car.

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Questions and answers

What is the total cost of a leased car?

The total costs of a leased car are higher than the monthly leasing rate x duration. This is because there are other costs in addition to the leasing rate. The TCS rule of thumb says that the total monthly costs of a leased car are about 3 times higher than the monthly leasing rate.

How are the total costs of a leased car composed?

In addition to the leasing rate, which depends on the vehicle price, the residual value, the duration, the KM package, the down payment and the interest rate, there are additional costs that are incurred during the leasing process. These include insurance, taxes, licence plates, service, repair & maintenance. Depending on the leasing contract, these factors can be included in the lease. However, this in turn increases the monthly leasing rate and we are then talking about a full-service lease.

What is a down payment for leasing?

A down payment is a one-off payment at the beginning of the lease. It is deducted from the price of the car to be financed. This reduces the financing amount and the monthly leasing rate is lower than without a down payment.

What is a residual value?

The residual value is an imputed value of a car that it will have at the end of the lease. This value essentially defines the depreciation costs and thus the monthly leasing rate.

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