{"id":29051,"date":"2025-06-19T19:03:13","date_gmt":"2025-06-19T19:03:13","guid":{"rendered":"https:\/\/multicredit.ch\/?p=29051"},"modified":"2025-06-19T19:13:47","modified_gmt":"2025-06-19T19:13:47","slug":"differences-between-a-vehicle-loan-and-leasing","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/differences-between-a-vehicle-loan-and-leasing\/","title":{"rendered":"Differences Between a Vehicle Loan and Leasing"},"content":{"rendered":"\n<p><strong>Cashflex Multicredit S\u00e0rl<\/strong><\/p>\n\n\n\n<iframe loading=\"lazy\" width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/bnrUOttlpU4?si=mQradpGf7jXEXdgz\" 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<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Differences_Between_a_Vehicle_Loan_and_Leasing-2\"><\/span>Differences Between a Vehicle Loan and Leasing<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Aspect<\/strong><\/th><th><strong>Vehicle Loan<\/strong>&lt;br&gt;(when you buy the car on credit)<\/th><th><strong>Leasing<\/strong>&lt;br&gt;(when you choose leasing)<\/th><\/tr><\/thead><tbody><tr><td><strong>Mileage limits<\/strong><\/td><td>None \u2013 the car is yours to use freely.<\/td><td>Yes \u2013 fixed in the contract. If exceeded, CHF 0.30 \u2013 0.50 per extra km; annual cap applies.<\/td><\/tr><tr><td><strong>Repayment term<\/strong><\/td><td>Up to 84 months<\/td><td>60 months<\/td><\/tr><tr><td><strong>Ownership of the vehicle<\/strong><\/td><td>The customer<\/td><td>The bank \/ leasing company<\/td><\/tr><tr><td><strong>Residual value<\/strong><\/td><td>None<\/td><td>Yes, plus VAT payable<\/td><\/tr><tr><td><strong>Fully comprehensive insurance<\/strong><\/td><td>Free choice<\/td><td>Fully comprehensive insurance compulsory<\/td><\/tr><tr><td><strong>Death insurance covering the outstanding balance<\/strong><\/td><td>Yes \u2013 included in the interest, no surcharge<\/td><td>No \u2013 optional extra<\/td><\/tr><tr><td><strong>Down payment<\/strong><\/td><td>Not required<\/td><td>Usually required<\/td><\/tr><tr><td><strong>Interest on VAT<\/strong><\/td><td>None<\/td><td>Yes<\/td><\/tr><tr><td><strong>Code 178 in the vehicle registration<\/strong><\/td><td>No<\/td><td>Yes \u2013 prevents resale to third parties<\/td><\/tr><tr><td><strong>Service &amp; maintenance obligations<\/strong><\/td><td>Free \u2013 no contractual duty<\/td><td>Mandatory<\/td><\/tr><tr><td><strong>Early repayment<\/strong><\/td><td>Possible at any time; interest reduced for the unused period<\/td><td>Possible but subject to penalties and fees<\/td><\/tr><tr><td><strong>Vehicle purchase \/ discount<\/strong><\/td><td>Paying cash \u2192 negotiate a discount with the dealer<\/td><td>Little room for negotiation<\/td><\/tr><tr><td><strong>End of contract \/ vehicle hand-back<\/strong><\/td><td>No hand-back<\/td><td>Residual value must be paid<\/td><\/tr><tr><td><strong>Accident claim (total or partial loss)<\/strong><\/td><td>Insurer pays you the market value as per the policy<\/td><td>Must repair; for total loss insurer pays leasing company<\/td><\/tr><tr><td><strong>Resale of the vehicle<\/strong><\/td><td>Yes \u2013 at market price, any time<\/td><td>No \u2013 only at the dealer\u2019s price<\/td><\/tr><tr><td><strong>Interior damage (seats, etc.)<\/strong><\/td><td>You are the owner<\/td><td>On return, customer pays for damage<\/td><\/tr><tr><td><strong>Tax deductibility of interest &amp; debt<\/strong><\/td><td>Fully deductible<\/td><td>No deduction<\/td><\/tr><tr><td><strong>Problems with vehicle warranty<\/strong><\/td><td>Full flexibility<\/td><td>Leasing instalments continue regardless<\/td><\/tr><tr><td><strong>Condition report on return<\/strong><\/td><td>None \u2013 the car is yours<\/td><td>Required; dealer inspects vehicle condition<\/td><\/tr><tr><td><strong>Debt collection \/ disputes over instalments<\/strong><\/td><td>No repossession of the car<\/td><td>Dealer can repossess; you are a lessee<\/td><\/tr><tr><td><strong>Use of the vehicle<\/strong><\/td><td>Free<\/td><td>Driver restrictions apply<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Cashflex Multicredit S\u00e0rl Differences Between a Vehicle Loan and Leasing Aspect Vehicle Loan&lt;br&gt;(when you buy the car on credit) Leasing&lt;br&gt;(when you choose leasing) Mileage limits None \u2013 the car is yours to use freely. Yes \u2013 fixed in the contract. If exceeded, CHF 0.30 \u2013 0.50 per extra km; annual cap applies. Repayment term Up [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":355,"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-29051","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\/29051","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=29051"}],"version-history":[{"count":2,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29051\/revisions"}],"predecessor-version":[{"id":29054,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/29051\/revisions\/29054"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/355"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=29051"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=29051"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=29051"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}