{"id":30819,"date":"2023-12-19T14:30:00","date_gmt":"2023-12-19T13:30:00","guid":{"rendered":"https:\/\/www.schwiizerfranke.com\/?p=30819"},"modified":"2026-10-29T14:19:36","modified_gmt":"2026-10-29T13:19:36","slug":"leasing-rechner-schweiz","status":"publish","type":"post","link":"https:\/\/www.schwiizerfranke.com\/en\/leasing-rechner-schweiz","title":{"rendered":"Leasing calculator Switzerland: Calculate leasing online"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Use this independent Swiss leasing calculator to work out your monthly lease payment, the residual value and the cost of terminating the lease early.<\/p>\n\n\n\n<style>#sf-leasing-tool{min-height:1520px}@media (max-width:820px){#sf-leasing-tool{min-height:2550px}}<\/style>\n<div id=\"sf-leasing-tool\"><\/div>\n<script src=\"https:\/\/tools.schwiizerfranke.com\/leasing-rechner\/embed.js\" defer><\/script>\n\n\n\n<p class=\"wp-block-paragraph\">You can calculate car leasing costs here in three ways: the monthly leasing instalment, early termination and your leasing budget. The calculator isn\u2019t affiliated with any leasing company or car dealer. That\u2019s why it also shows you what a quote often leaves out in the small print: the interest costs in Swiss francs, the leasing factor and how much it will cost if you end the lease early.<\/p>\n\n\n\n<div class=\"wp-block-group sf-keypoints is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"sf-keypoints__t wp-block-paragraph\">The most important facts at a glance<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Leasing instalment:<\/strong> It depends primarily on the purchase price, the deposit, the residual value, the term and the interest rate. Payments are made monthly in advance.<\/li>\n\n\n\n<li><strong>Residual value:<\/strong> As a rule of thumb, after 1 year it is around 75 % and after 3 years around 50 % of the list price. A high residual value reduces the instalment, but not the overall cost.<\/li>\n\n\n\n<li><strong>Interest expenses:<\/strong> With a purchase price of CHF 45,000, a term of 48 months and a 3.9 % interest rate, you\u2019ll pay around CHF 4,660 in interest.<\/li>\n\n\n\n<li><strong>Early exit:<\/strong> Permitted with 30 days\u2019 notice at the end of a 3-month period. However, the instalments will be recalculated retrospectively, which can quickly run to several thousand francs.<\/li>\n\n\n\n<li><strong>Not included in the instalment:<\/strong> You\u2019ll pay extra for comprehensive insurance, servicing, tyres, road tax and any additional mileage.<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Leasing calculator Explanation of the input fields<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">First, choose what you want to calculate: <strong>Leasing instalment<\/strong>, <strong>Get off early<\/strong> or <strong>Budget<\/strong>. Then fill in these fields:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Purchase price (list price):<\/strong> At what price is the vehicle being purchased? Use the price including options and minus any discount, as stated in the quotation.<\/li>\n\n\n\n<li><strong>Deposit:<\/strong> The first large lease instalment or special payment. It reduces the amount being financed and, consequently, the instalments and interest costs.<\/li>\n\n\n\n<li><strong>Duration:<\/strong> The lease term ranges from 12 to 72 months. Terms of 36 or 48 months are typical.<\/li>\n\n\n\n<li><strong>Lease payment (effective):<\/strong> You\u2019ll find the annual percentage rate (APR) in every leasing quote. If you don\u2019t have one yet, use the interest rate from a manufacturer\u2019s promotion or a bank\u2019s interest rate as a guide.<\/li>\n\n\n\n<li><strong>Residual value at the end:<\/strong> The calculator suggests a value based on a rule of thumb. If your quote includes a residual value, move the slider to that value.<\/li>\n\n\n\n<li><strong>Get off at:<\/strong> Only in \u00abEarly termination\u00bb mode. Select the month in which you wish to return or replace the car.<\/li>\n\n\n\n<li><strong>Preferred rate:<\/strong> Only in \u00abBudget\u00bb mode. The calculator shows you the maximum price your car can cost at this instalment rate.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group sf-tip is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>An independent leasing calculator:<\/strong> The leasing calculators provided by leasing companies such as Cembra, Alphera or Bank-now, by importers such as AMAG, by brands such as BMW, or by dealers such as Auto Steiner all use their own terms and residual values in their calculations. Whether it\u2019s a quote from a dealer or an offer from comparison websites such as Comparis and Bonus.ch: with our calculator, you can independently review any quote and see straight away whether the monthly payments, residual value and interest rate are right for you.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Calculate leasing: Results explained<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The most important result is always shown at the top, followed by the chart and the table \u00abYour lease in figures\u00bb.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Leasing instalment:<\/strong> The amount you pay in advance each month.<\/li>\n\n\n\n<li><strong>Total instalments:<\/strong> All monthly instalments combined, with no deposit.<\/li>\n\n\n\n<li><strong>Total interest expense:<\/strong> What the financing will cost you. These are your actual leasing costs.<\/li>\n\n\n\n<li><strong>Residual value:<\/strong> At this price, you can buy the car at the end of the contract if it includes a purchase option.<\/li>\n\n\n\n<li><strong>Leasing factor:<\/strong> The instalment as a proportion of the purchase price. This allows you to compare offers for cars at different price points.<\/li>\n\n\n\n<li><strong>In total, if you end up buying the car:<\/strong> Deposit plus all the instalments plus the residual value. That\u2019s how much you\u2019ll have paid for the car in the end.<\/li>\n\n\n\n<li><strong>Portability:<\/strong> What is the minimum net salary required for the instalment to fit into your budget, according to our rule of thumb?.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The chart \u00abWhere your money goes\u00bb shows how much you pay over the term of the loan and how much of that is interest. The dotted line represents the estimated value of the car. If you hover your mouse or finger over the chart, you\u2019ll see the figures for each month.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calculating a lease payment: formula and example<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to work out the lease payment, you\u2019ll need a formula from financial mathematics. The method for calculating lease payments is the same for all leasing companies in Switzerland. However, a simple rule of thumb is sufficient for a quick estimate. It is usually only a few francs off the exact figure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">A simple formula for the lease payment<\/h3>\n\n\n\n<p class=\"sf-formel wp-block-paragraph\"><strong>Lease payment \u2248 (purchase price \u2212 deposit \u2212 residual value) \u00f7 term + (purchase price \u2212 deposit + residual value) \u00f7 2 \u00d7 interest rate \u00f7 12<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first part is the depreciation per month \u2013 in other words, what you \u00abuse up\u00bb from the car. The second part is the interest on the capital that is, on average, tied up in the car.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Example:<\/strong> Purchase price CHF 45,000, deposit CHF 5,000, term 48 months, interest rate 3.9 %, residual value CHF 19,800.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Monthly depreciation: (45,000 \u2212 5,000 \u2212 19,800) \u00f7 48 = CHF 420.85<\/li>\n\n\n\n<li>Monthly interest: (45,000 \u2212 5,000 + 19,800) \u00f7 2 \u00d7 3.9 % \u00f7 12 = CHF 97.18<\/li>\n\n\n\n<li>Lease payment: 420.85 + 97.18 = <strong>around CHF 518 per month<\/strong><\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The leasing calculator above uses the exact formula and arrives at a figure of CHF 517.86. The interest costs over the entire term amount to around CHF 4,657.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Exact formula<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Leasing instalments are paid monthly in advance. Mathematically, the instalment is therefore an annuity paid in advance. Where i = annual interest rate \u00f7 12, n = term in months and v = 1 \u00f7 (1 + i), the following applies:<\/p>\n\n\n\n<p class=\"sf-formel wp-block-paragraph\"><strong>Lease payment = (purchase price \u2212 deposit \u2212 residual value \u00d7 v\u207f) \u00d7 i \u00f7 ((1 \u2212 v\u207f) \u00d7 (1 + i))<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Calculating a lease in Excel<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In Excel, you calculate the lease payment using the RMZ function (known as PMT in the English version). For this example, the formula is <code>=RMZ(3.9%\/12; 48; -(45000-5000); 19800; 1)<\/code>. The result is CHF 517.86. The \u00ab1\u00bb at the end stands for \u2018payment in advance\u2019. If you leave it out, the instalment will be slightly too high.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Calculate the lease factor<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The lease factor shows what percentage of the purchase price you pay each month:<\/p>\n\n\n\n<p class=\"sf-formel wp-block-paragraph\"><strong>Lease factor = Lease payment \u00f7 Purchase price \u00d7 100<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the example, that is 517.86 \u00f7 45,000 \u00d7 100 = <strong>1.15<\/strong>. As a rough guide, a lease factor of less than 1 is considered favourable. However, you should only compare factors where the lease term and initial deposit are the same; otherwise, the comparison will be misleading.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How the interest rate affects the instalment<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Same car, same term, just a different interest rate. Interest rates for car leasing in Switzerland range from 0 % for special offers to around 9 %:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Interest<\/th><th>Rate<\/th><th>Interest expenses<\/th><\/tr><\/thead><tbody><tr><td>0.9 %<\/td><td>CHF 443<\/td><td>CHF 1,070<\/td><\/tr><tr><td>1.9 %<\/td><td>CHF 468<\/td><td>CHF 2,263<\/td><\/tr><tr><td>3.9 %<\/td><td>CHF 518<\/td><td>CHF 4,657<\/td><\/tr><tr><td>5.9 %<\/td><td>CHF 568<\/td><td>CHF 7,065<\/td><\/tr><tr><td>8.99 %<\/td><td>CHF 646<\/td><td>CHF 10,812<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Example: Purchase price CHF 45,000, deposit CHF 5,000, 48 months, residual value CHF 19,800.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calculate the residual value of a lease<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The residual value is the value the car is expected to retain at the end of the lease term, as specified in the contract. The leasing company calculates this using tables based on historical data: make, model, lease term and kilometres per year. To work out your own estimate, this rule of thumb will suffice:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Duration<\/th><th>Residual value<\/th><th>in CHF<\/th><\/tr><\/thead><tbody><tr><td>12 months.<\/td><td>75 %<\/td><td>CHF 33,750<\/td><\/tr><tr><td>24 metres.<\/td><td>60 %<\/td><td>CHF 27'000<\/td><\/tr><tr><td>36 metres.<\/td><td>50 %<\/td><td>CHF 22,500<\/td><\/tr><tr><td>48 metres.<\/td><td>44 %<\/td><td>CHF 19,800<\/td><\/tr><tr><td>60 metres.<\/td><td>41 %<\/td><td>CHF 18,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Amounts in Swiss francs for a purchase price of CHF 45,000. The leasing calculator applies these figures automatically. If you drive a lot, the actual residual value will be lower.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">High residual value, low instalments: the trap<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A high residual value reduces the monthly instalment because you\u2019re paying off less depreciation. This doesn\u2019t make the lease any cheaper. You\u2019ll actually pay more interest because more capital is tied up in the car for longer. Also, check the contract to see who bears the residual value risk. With a pure residual value lease, you\u2019ll end up paying the difference if the car is worth less than the residual value. The contract will state whether this applies to you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Carry forward residual value: Buy the car at the end<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your contract includes a purchase option, you can take ownership of the car at the end of the term at its residual value. This is worth doing if the market value is higher than the residual value. To check this, compare second-hand prices for the same model before the contract ends. In the calculator, under \u00abTotal if you buy the car at the end\u00bb, you can see how much the car will have cost you in total.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Early repayment or termination of a lease<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Is your lease subject to the <a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/536\/de\" target=\"_blank\" rel=\"noopener\">Consumer Credit Act (KKG)<\/a>, which is the norm for private individuals, you may terminate the contract at any time. The notice period is 30 days to the end of a three-month leasing period. For example: if your contract starts in July, you can terminate it at the end of October at the earliest, and you must give notice by the end of September.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, terminating the lease isn\u2019t cheap. The leasing company calculates the cost retrospectively as if you\u2019d leased for the shorter term from the outset. A shorter lease term means a higher residual value, so the monthly payments would have been higher. You\u2019ll have to pay the difference for each month so far. The amount is set out in the table in your lease agreement. You can use the lease calculator above to estimate the costs in advance, whether you want to terminate the lease or pay it off early.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much does early withdrawal cost?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">For our example with a term of 48 months and a monthly instalment of CHF 518, the leasing calculator performs the following calculation in \u00abEarly termination\u00bb mode:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Exit<\/th><th>back payment<\/th><th>per month<\/th><\/tr><\/thead><tbody><tr><td>6 months.<\/td><td>CHF 2,153<\/td><td>CHF 1,710<\/td><\/tr><tr><td>12 months.<\/td><td>CHF 4,177<\/td><td>CHF 1,283<\/td><\/tr><tr><td>24 metres.<\/td><td>CHF 5,142<\/td><td>CHF 940<\/td><\/tr><tr><td>36 metres.<\/td><td>CHF 3,387<\/td><td>CHF 751<\/td><\/tr><tr><td>45 metres.<\/td><td>CHF 958<\/td><td>CHF 650<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00abPer month\u00bb includes the deposit, all instalments paid and the final payment, divided by the number of months driven. The final instalment itself is highest halfway through the term. However, an early termination is by far the most expensive option per month driven. These figures are estimates; the table provided by your leasing company is the definitive guide.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Your three options<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Return:<\/strong> You cancel the contract, return the car and pay the outstanding balance. On top of that, there are costs for any damage and excess mileage.<\/li>\n\n\n\n<li><strong>Pay off and keep:<\/strong> You pay off the outstanding balance and the car is yours. This allows you to buy out your car from the lease early and then sell it yourself. In the calculator, this amount is shown as the \u00abbuy-out amount\u00bb.<\/li>\n\n\n\n<li><strong>Submit:<\/strong> Another person takes over your lease, for example via a lease transfer platform. This is only possible if the leasing company agrees and the new person passes the credit check. There is often a fee for the transfer, but it is frequently the cheapest option.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group sf-tip is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Before you give notice:<\/strong> Ask your leasing company for a written quote for both options \u2013 returning the car and buying it out. At the same time, get a quote from a second-hand car dealer for your car. If this quote is higher than the buy-out amount, buying the car and reselling it is often cheaper than returning it.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Calculate your leasing budget<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In \u00abBudget\u00bb mode, you enter how much you want to pay each month. The calculator shows you the maximum price your car can cost. With CHF 500 per month, a CHF 5,000 deposit, 48 months and an interest rate of 3.9%, the purchase price will be no more than around <strong>CHF 43,700<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The leasing company will also assess your creditworthiness in accordance with Article 29 of the Consumer Credit Act (KKG). The instalments must be affordable without causing you to fall below the subsistence minimum for debt enforcement purposes. Every leasing contract is also reported to the Consumer Credit Information Centre (IKO).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Our stricter rule of thumb: your leasing instalment should amount to no more than 10 % of your net salary. This is because, on top of the instalment, you\u2019ll need to factor in comprehensive insurance, servicing, tyres, road tax, parking and fuel. These costs can easily amount to as much again as the instalment itself. The <a href=\"https:\/\/www.schwiizerfranke.com\/en\/benzinkosten-berechnen-schweiz\/\">Petrol cost calculator<\/a>. Before you lease a car, you should also make sure that your <a href=\"https:\/\/www.schwiizerfranke.com\/en\/notgroschen-berechnen\/\">emergency fund<\/a> stand.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should I lease or buy a car?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Leasing is convenient: little upfront capital, a new car, fixed costs. In return, you pay interest, have to take out comprehensive insurance and are bound by mileage limits and the lease term. When you buy a car, it\u2019s yours from day one and you can drive it for as long as you like.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Compare the loan terms using the calculator: the longer you keep the car, the lower the monthly costs become, even though the interest costs rise.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Duration<\/th><th>Rate<\/th><th>Interest expenses<\/th><th>per month<\/th><\/tr><\/thead><tbody><tr><td>24 metres.<\/td><td>650<\/td><td>2,590<\/td><td>858<\/td><\/tr><tr><td>36 metres.<\/td><td>587<\/td><td>3,636<\/td><td>726<\/td><\/tr><tr><td>48 metres.<\/td><td>518<\/td><td>4,657<\/td><td>622<\/td><\/tr><tr><td>60 metres.<\/td><td>461<\/td><td>5,670<\/td><td>545<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Amounts in CHF. Example: CHF 45,000 purchase price, CHF 5,000 deposit, 3.9 %, residual value based on a rule of thumb. \u2019per month\u2019 = deposit and instalments, divided by the term, excluding a final payment at the end.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you plan to keep your car for a long time, buying it is usually the cheaper option. You can check whether a loan is a better option than leasing using the <a href=\"https:\/\/www.schwiizerfranke.com\/en\/kreditrechner-schweiz\/\">Loan calculator<\/a>. And the following shows you what would happen to the money if you invested part of your instalment: <a href=\"https:\/\/www.schwiizerfranke.com\/en\/etf-rechner-etf-sparplan-rechner\/\">ETF Savings Plan Calculator<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Calculate your leasing instalment: Tips for lower costs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Here\u2019s how to make your car lease more affordable:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Compare the interest rate, not the instalment:<\/strong> A low monthly payment is often the result of a high residual value or a large deposit. You should therefore compare quotes based on the lease factor and the interest costs in Swiss francs.<\/li>\n\n\n\n<li><strong>Negotiate the price first:<\/strong> The discount on the purchase price brings down the cost of everything that comes after. Only mention that you want to lease once that\u2019s sorted.<\/li>\n\n\n\n<li><strong>Take advantage of the brands\u2019 promotions:<\/strong> Manufacturers often offer promotional interest rates, sometimes as low as 0 %. This is usually considerably cheaper than a bank\u2019s interest rate.<\/li>\n\n\n\n<li><strong>Choose a realistic distance:<\/strong> Too few kilometres will result in additional charges at the end of the contract; too many will cost you a monthly instalment.<\/li>\n\n\n\n<li><strong>Plan the duration so that you can see it through:<\/strong> Early termination is the most costly mistake you can make when leasing.<\/li>\n\n\n\n<li><strong>Include comprehensive insurance in your calculations:<\/strong> It\u2019s compulsory when taking out a lease. Compare the premiums before signing, for example in the <a href=\"https:\/\/www.schwiizerfranke.com\/en\/financescout24-autoversicherungen-vergleich\/\">Car insurance comparison<\/a>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Leasing with no deposit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Car leasing with no deposit is very common in Switzerland. You don\u2019t need any capital up front, but in return you pay higher monthly instalments and more interest. In the example with a purchase price of CHF 45,000 and a term of 48 months:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Deposit<\/th><th>Rate<\/th><th>Interest expenses<\/th><\/tr><\/thead><tbody><tr><td>CHF 0<\/td><td>CHF 630<\/td><td>CHF 5,048<\/td><\/tr><tr><td>CHF 5'000<\/td><td>CHF 518<\/td><td>CHF 4,657<\/td><\/tr><tr><td>CHF 10,000<\/td><td>CHF 406<\/td><td>CHF 4,267<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A deposit saves you interest, but you\u2019ll lose it if the car is written off or if you decide to get out of the deal early. Only put one down if you\u2019ll still have your savings left afterwards.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is 0 % leasing worth it?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Offers featuring 0 % leasing are promotional deals run by the manufacturers. You pay no interest, just the depreciation. This works out cheaply if the price is right. So always ask what discount you\u2019d get if you paid in cash without leasing. If it\u2019s significantly higher, the interest is factored into the price. Also check the deposit, mileage and term: 0 % leasing offers in Switzerland often apply only to specific models and short terms. In the calculator, simply set the interest rate to 0 % and compare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can find more calculators for everyday life and personal finances in the <a href=\"https:\/\/www.schwiizerfranke.com\/en\/rechner\/\">Computer Overview<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions about the leasing calculator Switzerland<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list\">\n<div id=\"faq-question-le-1\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">How does vehicle leasing work in Switzerland?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>With car leasing in Switzerland, you pay a monthly instalment to use a vehicle for a fixed period. The car remains the property of the leasing company for the duration of the lease. At the end of the lease, you either return it or purchase it at its residual value, if the contract so provides. For private individuals, the Consumer Credit Act applies.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-2\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">How do I work out the lease payment?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>As a rule of thumb: (purchase price \u2212 deposit \u2212 residual value) \u00f7 term plus (purchase price \u2212 deposit + residual value) \u00f7 2 \u00d7 interest rate \u00f7 12. With a purchase price of CHF 45,000, a deposit of CHF 5,000, a term of 48 months, an interest rate of 3.9 % and a residual value of CHF 19,800, this works out at around CHF 518 per month.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-3\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">What costs are included in leasing?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>The instalment covers depreciation and interest. You\u2019ll need to pay extra for comprehensive insurance, servicing, tyres, road tax, fuel and any excess mileage. Some offers include a service package \u2013 check the contract to see if this applies.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-4\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Can the mileage limit be adjusted in the lease agreement?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes, you set the annual mileage in the contract. It\u2019s often possible to adjust the mileage during the term of the lease \u2013 just ask your leasing company. Otherwise, they\u2019ll charge you for any excess mileage at the end at a fixed rate per kilometre.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-5\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Can I terminate the leasing contract prematurely?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes. Under the Consumer Credit Act, you can give notice to terminate the lease at the end of a three-month term, subject to 30 days\u2019 notice. The instalments will then be recalculated retrospectively for the shorter term. This often costs several thousand francs. Alternatives include buying the car outright or transferring the contract to another person.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-6\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">What role does the residual value play in leasing?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>The residual value is the value of the car at the end of the term. A higher residual value reduces the monthly instalment, but increases the interest costs and the price you pay if you take ownership of the car. Rule of thumb: after 1 year, around 75 %; after 3 years, around 50 % of the list price.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-7\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">What makes a good leasing factor?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>The leasing factor is the monthly instalment divided by the purchase price, multiplied by 100. As a rough guide, a factor of less than 1 is considered good value. Only compare figures where the term and deposit are the same.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-8\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Can I cancel a lease agreement?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes. A leasing contract under the Consumer Credit Act may be cancelled in writing within 14 days of signing.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-9\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Does the Consumer Credit Act also apply to business leasing?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>No. The Consumer Credit Act protects private individuals. If a company or a self-employed person leases a car for business purposes, the terms of the contract apply, without the right to terminate the contract under the Consumer Credit Act. You can still calculate the lease instalment using the calculator.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-10\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Does the leasing calculator also work for motorbikes or electric cars?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes. The formula is the same for every vehicle, whether it\u2019s a car, an electric car or a motorbike. Adjust the residual value to match your quote. With electric cars, the residual value is considered more difficult to predict; if in doubt, it\u2019s best to use a lower figure.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-11\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Is 0 % leasing worth it?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Often, yes, if the purchase price is right. Ask about the cash discount without a lease. If it\u2019s significantly higher, the interest is hidden in the price. Work out both options using the lease calculator.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-le-12\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question\">Is this lease calculator independent?<\/h3>\n<div class=\"rank-math-answer\">\n\n<p>Yes. The Schwiizerfranke leasing calculator is not owned by any bank, leasing company or car dealer. It is free of charge and does not require registration.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Mit diesem unabh\u00e4ngigen Leasingrechner Schweiz berechnest du deine Leasingrate, den Restwert und was dich ein vorzeitiger Ausstieg kostet. Auto Leasing berechnen geht hier in drei Modi: die monatliche Leasingrate, den vorzeitigen Ausstieg und dein Leasing-Budget. Der Rechner geh\u00f6rt keiner Leasingfirma und keinem Autoh\u00e4ndler. Er zeigt dir deshalb auch, was eine Offerte gern im Kleingedruckten l\u00e4sst: [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":30820,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_wp_convertkit_post_meta":{"form":"-1","landing_page":"","tag":"0","restrict_content":"0"},"footnotes":""},"categories":[468],"tags":[544,838,840,837,140,621,836,623,835,211,839],"class_list":["post-30819","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rechner","tag-auto","tag-darlehen","tag-finanzierung","tag-kfz","tag-kredit","tag-leasing","tag-leasing-faktor","tag-leasing-rechner","tag-reasingrate","tag-rechner","tag-schulden"],"_links":{"self":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/30819","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/comments?post=30819"}],"version-history":[{"count":3,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/30819\/revisions"}],"predecessor-version":[{"id":48856,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/30819\/revisions\/48856"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/media\/30820"}],"wp:attachment":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/media?parent=30819"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/categories?post=30819"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/tags?post=30819"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}