{"id":8914,"date":"2014-06-27T07:11:43","date_gmt":"2014-06-27T07:11:43","guid":{"rendered":"https:\/\/multicredit.ch\/wp\/acheter-bateau-en-suisse-les-solutions-de-financement\/"},"modified":"2020-04-03T13:34:31","modified_gmt":"2020-04-03T13:34:31","slug":"acheter-bateau-en-suisse-les-solutions-de-financement","status":"publish","type":"post","link":"https:\/\/multicredit.ch\/en\/acheter-bateau-en-suisse-les-solutions-de-financement\/","title":{"rendered":"Buy a boat: boat loan or leasing?"},"content":{"rendered":"<p><!--:fr--><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_solutions_to_buy_a_boat\"><\/span>What are the solutions to buy a boat?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you do not have the finances for your project, or if you prefer to opt for a financing plan to spread your purchase over several months or years, there are basically two solutions: credit or leasing.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Boat_leasing_interesting_in_the_long_term\"><\/span>Boat leasing: interesting in the long term<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A leasing consists of &#8220;renting&#8221; your boat over time. The price will depend mainly on the interest rate, and the value of the vehicle as well as the contract duration. If the leasing is a interesting long-term solution, you should also consider that:<\/p>\n<ul>\n<li>The boat won&#8217;t fully belong to you, and you may be subject to restrictions, such as the inability to resell your boat while the leasing contract is ongoing.<\/li>\n<li>Once the contract is over, and depending on the type of contract, you may need to pay the residual value of the boat.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Boat_loan_the_alternative\"><\/span>Boat loan: the alternative<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <a href=\"http:\/\/www.multicredit.ch\/en\/boat-loan.php\">boat loan<\/a> is consists to borrow money from a bank in order to buy your boat. The cost of a boat loan will mainly depend on the rate and the loan duration. A credit, compared to leasing, offers the following services:<\/p>\n<ul>\n<li><b>The boat belongs to you<\/b>: you are free to sell if necessary.<\/li>\n<li><b>You are free<\/b> to choose the type of boat, the brand and concessionaire.<\/li>\n<li>Low cost if you are considering a shor-term boat loan (12, 24 or 36 months). Over a longer period, the cost will however increase significantly.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"How_much_does_it_cost\"><\/span>How much does it cost?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In general, the cost is hard to evaluade. Indeed, it mainly depends on the type of contract established. However, you can consider that a 50,000 Chf boat loan over 24 months will cost a total of 5&#8217;110 interest with a 9.95% rate.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Maintenance_costs\"><\/span>Maintenance costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Future boat owners often forget maintenance costs. It is considered that, on average, the maintenance costs for a boat will be of 10% of the total value. For example, a 50&#8217;000 Chf boat will generate a maintenance cost of 420 Chf \/ month.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Buy_a_boat_an_example_of_cost\"><\/span>Buy a boat: an example of cost<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For example, a 50,000 Chf boat paid with a 5 years loan (with a low rate of 9.95%) will cost montly:<\/p>\n<ul>\n<li>Loan repayment: <b>1,050 Chf \/ month<\/b> (interest included)<\/li>\n<li>Maintenance costs: <b>417 Chf \/ month<\/b><\/li>\n<li><b>Total: 1,467 Chf \/ month<\/b> over 5 years<\/li>\n<\/ul>\n<p>Article written by CreditLoan &#8211; the loan specialist in Switzerland (<a href=\"http:\/\/www.creditloan.ch\" target=\"_blank\" rel=\"noopener\">www.creditloan.ch<\/a>).<\/p>\n<p><!--:--><!--:de--><\/p>\n<p><!--:--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Your dream is to buy a boat in Switzerland? Whether a sailboat, yacht, fishing boat, what are the financing options available? Which is the best one, and what will be the real cost for you? Discover our explanations.<\/p>\n","protected":false},"author":4,"featured_media":8909,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[307,252],"tags":[],"class_list":["post-8914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-credit","category-various"],"_links":{"self":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8914","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\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/comments?post=8914"}],"version-history":[{"count":1,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8914\/revisions"}],"predecessor-version":[{"id":8917,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/posts\/8914\/revisions\/8917"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media\/8909"}],"wp:attachment":[{"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/media?parent=8914"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/categories?post=8914"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/multicredit.ch\/en\/wp-json\/wp\/v2\/tags?post=8914"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}