Is it worth leasing instead of buying a car?

For some drivers, that is Lease more attractive than buying because it ultimately saves worry, money and work. The Leasing is a special case, but what needs to be considered and who can it be profitable for? Leasing instead of buying can bring some advantages. The lessee does not own the car and therefore no one has to worry about reselling it. Taking over leasing is a special case where there are some stumbling blocks, but also some advantages compared to normal leasing.

Is it worth taking over the leasing?

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1. What exactly is a leasing takeover?
2. When does the leasing pay off?
3. What are the advantages?
4. What are the disadvantages?
5. What else should you watch out for before the takeover?
6. Which costs arise?
7. Creditworthiness must be available!
8. Alternatives to leasing?

What exactly is a leasing takeover?

There are other options besides that buying a car, the Leasing or the Financing. The financing is usually a classic installment loan, with leasing there is a rental agreement for a fixed term. The lessor remains the owner, but the car can be used for the agreed leasing period and then it is returned to the lessor. Afterwards, the lessee also has the option of having the car taken over. Or another contractual partner can step inwhen the contract is signed by the lessee cannot be met or is no longer wanted. The existing leasing contract becomes simple from the original lessee taken. That is why there is the term leasing, where the conditions then remain the same. The leasing installments are then paid the new contract partner to the bank and the leasing car can then to be used by Him. "back

When does the leasing pay off?

Will the contract taken or the car will leasedthen it will not bought. At a later point in time, the car must, so too not be sold. Taking over a lease can save a lot of work. In addition, the contracts that have been taken over often have a rather earlier short term and thus leasing offers itself when the cars not driven for a long time should be. An example could be the bridging a possible waiting time if that actual dream car is not yet delivered. "back

What are the advantages of leasing?

Will the lease taken, then you benefit from two advantages. There is one with the leasing contract right from the start fixed term, for example three years. Will the already running contract taken, then the period is shorter. The time that the original lessee took the vehicle has already usedthat must be deducted become. The lessees often step through a Compulsive situation from a contract. If the car takeover were to be negotiated at the end of the contract period, the position would of course be bad. If the contract is taken over, then this person is often in the better position. For this reason, it is possible for the vehicle to be picked up better conditions to be negotiated. And taking over the leasing also has advantages for the original lessee, because still before the agreed end of the term can be withdrawn from the contract. The new lessee receives the contract to the same conditions, but only if the lessor also changes zustimmen. "back

What are the disadvantages of leasing?

At the end of the contract period, the lessors check carefully whether it is Defects or damage on the vehicle. The lessor can then be compensated for this damage. If the leasing contract is taken over, the person who uses the car must also be responsible for it, even if the scratches or dents not self caused were.

The vehicles will in the leasing therefore better carefully checked and fixed defects in advance. Of course, everyone can do it accordingly compensate to let. An independent appraiser is often helpful here in the event of disagreement.

Another disadvantage is that new cars can be configured completely according to your own wishes, but not the Leasing. Either the decision is made in favor of the car or not. The details such as equipment or color can not to be determined more. After all, you take over a used vehicle.

It must also be borne in mind that by taking over the leasing contract the person to the new holder of the vehicle and this is noted in the vehicle documents. Even if only for a short time, there was already one previous holder. In the case of vehicles, all owner changes go at the expense of the resale value of the vehicles. The value can thus be determined by the Leasing and the other holder sinken. Who the car however after the lease expires does not want to take over, has to worry less about it. However, the lessor could take up this point and make a possible flat rate Compensation payment desire. "back

What else should you watch out for before the takeover?

Were all due Inspections / services carried out according to the manufacturer's specifications or as specified by the leasing company? Or maybe due in the next few weeks great service? Depending on the vehicle and leasing contract, there may be a lot to consider here in order to avoid unplanned costs. Was the vehicle with Summer and winter tires delivered or with additional accessories? Then it has to when taking over naturally be present. These and other points must be clarified in advance to avoid high Back payments and avoid surprises.

And careful you should be at the lease takeover, whether the mileage in the contract with the actual mileage. If, for example, 30.000 km over 3 years are noted in the leasing contract and the vehicle has already run 35.000 km when it was taken over, then you can from the day of takeover With a additional payment be expected.

Generally you should definitely check beforehand how many remaining kilometers can still be used. Again the example with the 30.000 km: if the original lessee has, for example, wound down 1 km in a period of 20.000 year, then that remains new lessee for the remaining 2 years of the contract term only 10.000 km. You should definitely ask yourself whether that is sufficient calculate in advance.

The leasing is always an attractive option for interested parties, which cars only for one need a relatively short time and the car not want to take over after the contract period. However, if a car is to be kept permanently, the new contract should be considered. After all, you have a vehicle that you can according to your own wishes has put together. And you also know from day one how the vehicle was treated. "back

What are the costs of taking over the lease?

A row of Costs are taken over with the lease and some can negotiated become. It's about the cost of exceeding that Mileage limitto get the fee for the Contract descriptionin order to reduce Share of the deposit and the Monthly rates. With the monthly installments there is no room for negotiation. The fixed installments are usually to be paid as originally agreed by the end of the contract period. Lessees often provide one depositwhich means that the monthly installments are usually lower. The portion of the down payment is often transferred to the successor, which then applies for the rest of the term. But a lessor often demands one Feewhen the contract is on new lessee rewritten and negotiations with the predecessor, who pays the fee.

As already mentioned, in the leasing contract the Mileage limit and the Leasing time and the lessees are allowed to use them do not exceed. It is specified exactly how many kilometers the cars are allowed to drive. Are there every year 10.000 or 15.000 kilometers common. Compensation is stipulated in the contract if the limit is exceeded. If a contract is taken over, it should be checked carefully whether the mileage limit has been exceeded. Otherwise there is an additional payment that should be reimbursed by the predecessor of the contract.

But also vice versa it may be the case. If the old contract holder only drove very little, a Disbursement by the lessor respectively. You will of course receive this payout. "back

Creditworthiness must be available!

A particularly important aspect is of course that financial creditworthiness from the new lessee. The leasing company will before the takeover from the contract check your financial situation in any case. Acceptance of the leasing contract is only possible if an appropriate credit rating is guaranteed. Is the credit rating unsatisfactory so it can happen that the lessor provides various collateral such as a Guarantors which pays the lessor for the receivables in the event of a financial bottleneck. It is also possible that the lessor will take over the contract due to the lack of creditworthiness refuses. "back

Alternatives to leasing?

It is actually an unusual practice and not providedthat people get out of the lease. A leasing takeover is with it no ordinary wayso that you can get a car. It thus represents classic variants no alternative The classic variants are Leasing, financing and Purchase. And also the Long term rental is becoming more and more popular and everyone only binds for a relatively short time and the car becomes not acquired. "back

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