{"id":28766,"date":"2025-05-20T19:56:32","date_gmt":"2025-05-20T19:56:32","guid":{"rendered":"https:\/\/multicredit.ch\/?p=28766"},"modified":"2025-05-22T11:42:35","modified_gmt":"2025-05-22T11:42:35","slug":"changing-your-car-during-a-lease-in-switzerland-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/changing-your-car-during-a-lease-in-switzerland-what-you-need-to-know\/","title":{"rendered":"Changing your car during a lease in Switzerland: what you need to know"},"content":{"rendered":"\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Are you currently under a leasing contract, but your vehicle no longer meets your needs?<\/strong><br>Do you want to switch to a larger, more economical, newer model\u2026 or simply change your car?<br>In Switzerland, it is perfectly possible to change your car during the leasing period, but this requires a good understanding of the available options.<\/p>\n\n\n\n<p>\ud83d\ude97 <strong>Is it possible to change the car before the end of the leasing contract?<\/strong><\/p>\n\n\n\n<p>Yes, but not without conditions.<br>Changing the vehicle before the end of the contract means terminating the current leasing contract early and starting a new one, either by:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buying out the current lease, then taking out a new lease or purchase<\/li>\n\n\n\n<li>Transferring the lease to a third party, then signing a new contract<\/li>\n\n\n\n<li>Negotiating a takeover with the lessor (if you remain within the same brand or network)<\/li>\n<\/ul>\n\n\n\n<p>\u2699\ufe0f <strong>Three possible options to change your car during the lease<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\ud83d\udd04 <strong>Early takeover by the dealer or leasing company<\/strong><br>If you want to switch to a new car of the same brand, the dealer can offer:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To buy out your current contract by incorporating the remaining balance into the new lease<\/li>\n\n\n\n<li>Or to take back the vehicle and settle the contract, with or without fees<\/li>\n<\/ul>\n\n\n\n<p>\ud83c\udfaf Advantage: you stay in a simple process with a single point of contact.<br>\u26a0\ufe0f Disadvantage: if the vehicle has high mileage or depreciated significantly, you will often have to pay a difference.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li>\ud83d\udd01 <strong>Lease transfer to a third party<\/strong><br>You can offer your vehicle for lease takeover to a private individual or a company.<br>Once the transferee is accepted by the leasing company, you are released from the contract and can take out a new contract for another vehicle.<\/li>\n<\/ol>\n\n\n\n<p>\ud83c\udfaf Advantage: you avoid termination fees and pass the lease on to someone else.<br>\u26a0\ufe0f Disadvantage: it depends on the success of your offer and the creditworthiness of the transferee.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li>\ud83d\udcb3 <strong>Lease buyout and signing a new contract<\/strong><br>You can buy out the remaining lease balance yourself by paying the remaining installments plus any fees, and:<\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Become the owner of the vehicle (to sell or keep it)<\/li>\n\n\n\n<li>Then sign a new lease contract or loan for another vehicle<\/li>\n<\/ul>\n\n\n\n<p>\ud83c\udfaf Advantage: you gain freedom, especially to resell or negotiate elsewhere.<br>\u26a0\ufe0f Disadvantage: this solution requires a significant one-time financing, which should be carefully evaluated.<\/p>\n\n\n\n<p>\ud83d\udcca <strong>What does an early change cost?<\/strong><\/p>\n\n\n\n<p>It depends on:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The residual value of the vehicle<\/li>\n\n\n\n<li>The number of remaining installments<\/li>\n\n\n\n<li>Early termination fees (vary by leasing company)<\/li>\n\n\n\n<li>The condition and mileage of the vehicle (which affect its resale value)<\/li>\n<\/ul>\n\n\n\n<p>It is advisable to request a buyout simulation from the leasing company before making a decision.<\/p>\n\n\n\n<p>\ud83d\udca1 <strong>MultiCredit can help you:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Buy out your current lease through an independent fixed-rate loan and become full owner<\/li>\n\n\n\n<li>Finance the vehicle change, even if you are still under contract<\/li>\n\n\n\n<li>Consolidate multiple debts to simplify your monthly budget<\/li>\n\n\n\n<li>Study your situation free of charge and without obligation to find the most advantageous option<\/li>\n<\/ul>\n\n\n\n<p>\u2705 <strong>In summary<\/strong><br>Changing your car during a lease is possible, but requires:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A clear financial analysis of the current lease balance<\/li>\n\n\n\n<li>An evaluation of possible fees or the vehicle\u2019s value<\/li>\n\n\n\n<li>A smart financial arrangement, especially if you want to take out a new contract<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udcde <strong>Contact MultiCredit for a free simulation:<\/strong><br>We help you exit your current lease cleanly and finance your next vehicle under the best conditions.<\/p>\n\n\n\n<p>An article by <a href=\"https:\/\/ch.linkedin.com\/in\/m%C3%BCn%C3%BCr-aslan-credit-leasing-factoring\/en\" target=\"_blank\" rel=\"noopener\">Munur Aslan<\/a>, Director of MultiCredit<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Are you currently under a leasing contract, but your vehicle no longer meets your needs?Do you want to switch to a larger, more economical, newer model\u2026 or simply change your car?In Switzerland, it is perfectly possible to change your car during the leasing period, but this requires a good understanding of the available options. \ud83d\ude97 [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":11468,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[787],"tags":[],"class_list":["post-28766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/28766","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/users\/25"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=28766"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/28766\/revisions"}],"predecessor-version":[{"id":28767,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/28766\/revisions\/28767"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/11468"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=28766"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=28766"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=28766"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}