If you're thinking of getting your dream car, you'll no doubt soon be asking if vehicle financing with leasing is right for you. The alternatives to leasing are either taking out a loan or buying a cheaper used car.

Click here to go to our leasing calculator. Leasing obviously has the advantage that you don't have to pay a large amount of money at once. What's more, most leasing vehicles are also newer models that have either hardly been used or not used at all. Newer vehicles are a lot less likely to need expensive repairs than older second-hand vehicles. Another advantage is that you can accurately incorporate the monthly lease payments into your budget planning.

What formula is used to calculate your monthly lease payment in Switzerland?

The following parameters must be considered when calculating your monthly lease payment:

  • The purchase price of the vehicle
  • The effective annual interest rate of the lease
  • The term of the lease
  • The amount of the advance payment

Any other services included in your agreement also play a role (which payment protection insuranceg you select, for example). The lessor also has to calculate the loss of value of the vehicle in advance, and this depends, for example, on whether you buy a new or a used car. So there is no simple formula for all of these different parameters. First of all, you need to know the details of the lease agreement.

Calculating the lease rate factor

By contrast, you can calculate the lease rate factor using a simple formula. The lease rate factor is a measure of the quality of the lease offer. However, you can only calculate the lease rate factor if you already know the amount of the lease payment.

The formula for calculating the lease rate factor is simple: divide the lease payment by the vehicle price and multiply the result by 100. If the result, i.e. the lease rate factor, is less than 1.1, the lease offer is classed as good. If you make an advance payment when leasing, you will have to divide the amount of your advance payment by the term (in months) and add this amount to the lease payment.

Calculating the lease for your dream car

Calculating the lease payment also depends on the model you choose, in other words don't try to compare apples and oranges, or an Alfa Romeo and an Opel Corsa. You can calculate the final actual lease payment for your dream car once you've decided on a specific model, type of agreement, lease term, and other contractual terms and conditions. However, you can use our leasing calculator to already calculate your lease payments for various makes of car.

Use our convenient BANK-now leasing calculator

In other words, it's easier to put away your pocket calculator and use a leasing calculator to work out your lease payment. Our BANK-now leasing calculator includes all the relevant parameters necessary to calculate your payments. Keep in mind, however, that you cannot work out the actual lease payment you would have to pay until you have chosen your individual lease agreement.

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