{"id":28996,"date":"2025-06-18T21:07:40","date_gmt":"2025-06-18T21:07:40","guid":{"rendered":"https:\/\/multicredit.ch\/?p=28996"},"modified":"2025-06-19T11:12:46","modified_gmt":"2025-06-19T11:12:46","slug":"lease-or-buy-with-financing","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/lease-or-buy-with-financing\/","title":{"rendered":"Lease or buy with financing"},"content":{"rendered":"\n<p>Changing your car is always a significant step. Whether it\u2019s for pleasure, comfort, or everyday needs, one question quickly arises: <strong>should you lease or buy with financing?<\/strong> In Switzerland, both options are common \u2013 but they follow very different principles. <strong>MultiCredit helps you make a clear, informed decision.<\/strong><\/p>\n\n\n\n<iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/bnrUOttlpU4?si=F7xMfbfEr9qq44Pd\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<h4 class=\"wp-block-heading\">Leasing: Attractive on the surface, restrictive in reality<\/h4>\n\n\n\n<p>Leasing creates the illusion of easy access to a new car: no need for a large upfront payment, sometimes low monthly instalments, and the possibility to change vehicles regularly. But what\u2019s often left unsaid are the many limitations:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You never own the car.<\/li>\n\n\n\n<li>Annual mileage is limited, with penalties for exceeding it.<\/li>\n\n\n\n<li>You\u2019re often required to take out fully comprehensive insurance with a designated provider.<\/li>\n\n\n\n<li>You can\u2019t modify or resell the vehicle.<\/li>\n\n\n\n<li>And at the end? Either you return the car (often with fees for wear and tear), or pay the residual value to keep it.<\/li>\n<\/ul>\n\n\n\n<p><strong>The result<\/strong>: after years of payments, you\u2019ve spent money without owning anything.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Buying with financing: freedom from day one<\/h4>\n\n\n\n<p>With a <strong>MultiCredit car loan<\/strong>, the logic is entirely different. You buy the car and become the <strong>owner from day one<\/strong>. It\u2019s yours \u2013 you can customize it, sell it, or keep it for as long as you like.<\/p>\n\n\n\n<p>And above all:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You choose the term and monthly payments based on your budget.<\/li>\n\n\n\n<li>You are free to choose your insurance provider.<\/li>\n\n\n\n<li>You can repay early, <strong>without penalties<\/strong>.<\/li>\n\n\n\n<li>You may benefit from <strong>tax deductions on the interest<\/strong> (depending on your situation).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">The smart choice is the one that gives you freedom<\/h4>\n\n\n\n<p>At <strong>MultiCredit<\/strong>, we often meet clients who regret leasing: they thought it was a great deal, but ended up stuck in a contract that no longer fits their needs. On the other hand, a well-structured car loan offers <strong>flexibility, transparency, and full control over your budget<\/strong>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Buying with MultiCredit means driving with confidence<\/h4>\n\n\n\n<p>We support you from A to Z: simulation, approval, paperwork \u2013 everything is designed to make your life easier. <strong>No hidden fees, no jargon.<\/strong> Just a clear solution tailored to your project, and friendly experts ready to help.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><em>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<\/em><\/p>\n\n\n\n<p><strong>Leasing or buying? Choose ownership. Choose freedom. Choose MultiCredit.<\/strong><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Changing your car is always a significant step. Whether it\u2019s for pleasure, comfort, or everyday needs, one question quickly arises: should you lease or buy with financing? In Switzerland, both options are common \u2013 but they follow very different principles. MultiCredit helps you make a clear, informed decision. Leasing: Attractive on the surface, restrictive in [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":24789,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[786],"tags":[],"class_list":["post-28996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-en"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/28996","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=28996"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/28996\/revisions"}],"predecessor-version":[{"id":29003,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/28996\/revisions\/29003"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/24789"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=28996"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=28996"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=28996"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}