All important questions about leasing briefly explained

Here we have summarized all the important questions about vehicle leasing and answered them as simply as possible. This is to help anyone who is new to the subject matter.

Questions about leasing briefly explained

Questions about leasing explained in brief

What is leasing and how does it work?

With such a financing they conclude as lessee with the lessor a contract for the use of an object (usually a vehicle) over an agreed period of time. During this contract period as the user, you pay a monthly lease rate to the lessor, who remains the owner of the property.

What does it mean to lease a car?

car leasing, the rental of a cars for a certain period of time, usually between 24 and 48 months. At leasing (in german: vermietung) you are not the owner, but pay a monthly rate for being able to use the vehicle.

How much does it cost to lease a car?

The monthly rate depends on the chosen model, the term and the annual mileage from. The more expensive manufacturer’s list price is and the more kilometers driven per year, the higher the leasing rate fail. This can start at around €50 for very good offers and can quickly exceed €1 for particularly expensive vehicles.000,- € amount. Most leasing offers are i.D.R. Between 100,- € and 400,- € per month. In addition, there is usually a one-time transfer costs to. These are often between 400,- and 800,- €.

How long to lease a car?

If you buy a car leasing, pay over the duration of the leasing contract a fixed monthly rate. You can get a leasing contract i.D.R from a term of 12 months, the most common variants have a duration of 24, 36 or 48 months. During this time there is no possibility to cancel the contract.

Is leasing sensible?

A car leasing offers many advantages. You drive i.D.R. Always a current new car and you don’t have to worry about expensive repairs. every few years (depending on the chosen term) you can choose a new model. You also have no depreciation, which is often higher than the leasing rates within the term. While vehicle leasing with commercial customers has been common practice for decades (they can usually deduct the installments from their taxes), more and more leasing companies have also been leasing for some time now private persons your car. More than a third of all vehicles in germany are currently leased, and the trend is rising sharply!

Which vehicle classes can I lease cheaply?

Here are actually no classes of excluded. According to our years of experience you can choose both small cars, compact cars, sedans, station wagons, vans, transporters and also coupes leasing particularly inexpensive. But more and more people are driving the ever-popular SUV and off-road as leased vehicle. For rather "special" vehicles like convertibles and sports cars one does not find particularly favorable leasing offers quite so often. But can often be vans, e-bikes and scooters find at great conditions. In the last months, however, are also above all more and more electric vehicles and hybrid cars too incredible attractive leasing rates to find on the market.

Is car leasing for private use sensible?

Also for private individuals a good one is worthwhile leasing offer i.D.R. Always. Even if, unlike companies, here no tax advantages can be claimed from the tax office, a private leasing has many advantages. You do not tie up your capital, every few years you drive a new car and thus have to no worries about repairs make. you also do not have a high depreciation, as is usually the case with new cars i.D.R. Available and you have no more work with the sale of your used car. These are only some aspects that speak for it.

Which small car to lease cheaply?

In fact, there are no restrictions here. Almost any small car on the market, you can also easily and i.D.R. Cheap lease. According to our experience are currently the following small cars are particularly good value for money as leased vehicles on the leasing market:

  • Opel corsa
  • Renault twingo
  • Renault ZOE
  • Dacia sandero
  • Volkswagen polo
  • Mitsubishi space star
  • Renault clio
  • Ford fiesta
  • Citroen C3
  • Seat ibiza
  • Fiat 500
  • Toyota yaris
  • Mazda 2

Can you lease a used car?

Of course it is possible. More and more private persons decide for vehicles on time, mostly it is a new car, which can often be configured according to one’s own ideas and wishes. Less known, but at least as interesting is the leasing of a used. Used carsleasing are available for older vehicles, but also for "young" used and of course also for daily registrations. Here the monthly leasing rates then often fall by quite a bit cheaper than with a new vehicle. In addition the usually long delivery times are omitted here the manufacturer, as the cars are available for immediate delivery.

What is included in the leasing?

With leasing the lessee (customer) from the lessor a vehicle (usually a new car) is provided for the agreed contract period. For this you pay an monthly leasing rate and mostly unique the transfer costs. Additional special payments or other down payments will i.D.R. Not be incurred in addition. At classic leasing is usually the insurance (third party liability, partially comprehensive, fully comprehensive) not included in the monthly rate. Some suppliers offer this, against additional payment, optional. Also one maintenance and/or wear package can often be booked in addition.

In recent years you can also find more and more car subscription models, so called all-inclusive leasing. The following are usually also included: transfer costs, insurance, registration costs, vehicle tax, maintenance and wear and tear, winter tires. Here, the customer receives virtually everything from a single source and no longer has to worry about anything. For that this all-round carefree package also has its price and often has to higher monthly rate to be paid along. In addition, there is very often provision costs or one start fee to. For these reasons a car subscription in our eyes not for everyone.

Who gets the car title when leasing and who is in it??

The vehicle registration, officially called registration certificate part II, contains information about the official owner of the vehicle. That is with leasing the leasing company. The lessor, as the owner of the vehicle, retains the vehicle registration. The lessee receives the vehicle registration certificate.

Is the insurance included in the leasing?

With classic leasing, the insurance is i.D.R. Not included in the monthly leasing rate. More and more companies offer this as an extra service to the customer. If desired, this can be booked with just one click, for a monthly surcharge. Whether this is worthwhile depends on the individual case, as it can be cheaper, but unfortunately also considerably more expensive, depending on the level of your no-claims bonus. It is therefore worthwhile to compare the insurance rates in advance.

Is tax and insurance included in the leasing?

With vehicle leasing the car tax as a rule not included and must be paid additionally by the lessee. The situation is different with car subscription, the so-called all-inclusive leasing from. Here the motor vehicle taxes are already included in the monthly rate and therefore do not incur extra.

Who is the owner/occupant of the vehicle in case of leasing?

As a rule, the lessor remains the legal and economic owner of the vehicle owner of the leasing-good and takes the object in his balance sheet. The lessor is therefore owner, the lessee is owner and holder of the leased vehicle. Usually, however, the item is returned to the lessor or can be purchased by the lessee or a third party after the lease expires.

What means net loan amount for leasing?

The net loan amount the pure loan amount without interest or accruing processing fees, which is claimed by the leasing bank for the vehicle. The amount forms the basis for the calculation of the monthly leasing rate. It is a compulsory specification in private leasing offers. The value always refers to the base rate and base mileage advertised by the provider and may differ for a different mileage/term.

Can you lease a year car?

The annual car leasing works in principle in the same way as leasing of a new cars. However, only in very few cases can you choose the vehicle you want. Thus, interested parties usually have to put up with the existing paint and equipment and thus make compromises.

In addition, you often waive part of the dealer warranty and the warranty, since this already starts with the first registration of the car.

Can you lease a daily registration?

Of course you can also daily allowances find on the leasing market. These are cars that have only been registered by the dealer for one day. The process is purely formal nature, so that the mileage of these vehicles does not change and remains at zero. As a result, they are still legally considered a new car.

Daily registrations are the legal and common way for car dealerships to get around manufacturers’ mandated discount limits. This often results in even more favorable offers possible. This means that you as the lessee can benefit additionally and save even more.

Can you lease a car as a pensioner??

Also as pensioner you can of course lease a vehicle without any problems, provided that your pension is high enough, which should be about 1.100,- € per month and must be evidenced by a current pension statement. Other verifiable income, for example from rental income, private pension insurance or securities holdings, naturally also have a positive effect on the leasing bank’s decision. Conversely you should no negative schufa entry have. You will find everything you need to know about schufa in our guide section.

Is used car leasing cheaper?

Used cars to leasing plays with the financing models for used cars so far only a minor secondary role. Just like the new car leasing vehicles can be leased here for a monthly fee for a specific, predefined period of time. Even if here the leasing rate is often somewhat cheaper than for a new car, you should also consider the possible disadvantages do not lose sight of. You can not choose the car you want, you have to choose the color and the equipment of the car compromises make. In addition, here i.D.R. no manufacturer’s warranty or guarantee more that can be drawn in the event of a case. You can find more information here.

What is a special payment for leasing?

The special payment, often called a special leasing payment or just a down payment, is a one-off payment to the lessor at the beginning of the leasing contract. The amount may vary depending on the model and brand, but is usually freely selectable by the lessee. A down payment can directly influence the amount of the monthly leasing installments. The higher the special payment, the lower the monthly rate. In most cases, however, a down payment is not worthwhile in our eyes.

What is the cost of more kilometers for leasing??

If, in the case of mileage leasing, the inclusive mileage previously specified in the leasing contract is exceeded, d.H. If more kilometers are driven than contractually agreed, this is referred to as more kilometers. The lessor will invoice the lessee for any additional kilometers driven after the end of the contract period.

The amount varies depending on the provider and vehicle manufacturer and model and are documented in the leasing contract. As a rule, the costs for more kilometers driven move between 0,05 and 0,25 € per kilometer. As a rule of thumb, the higher the manufacturer’s list price, the higher the costs for more kilometers driven.

Many mileage leasing contracts often include a tolerance of +/- 2.500 kilometers (sometimes even +/- 5.000 kilometers), in which the lessor waives financial compensation.

What do I need for a car lease?

As is always the case in life, there are a number of alternatives to leasing requirements, to be able to lease a vehicle. It is on these that it ultimately depends whether the leasing bank the leasing application positively modest.

Depending on whether you are private individual or as business certificate would like to lease a car differ conditions:

Conditions for private

  • Regular income
  • Reasonable ratio of income and expenses
  • Residence in germany
  • Minimum age of 18 years
  • Positive credit rating, no entries at schufa

Conditions for companies

  • Positive credit rating
  • trade must exist for at least half a year
  • Submission of a business management report (BWA)

What documents are required for car leasing?

If you want to lease a vehicle, you have to pay the leasing company submit the required documents. These may differ from lessor to lessor. As a rule, however, the following evidence is usually required:

Private leasing:

  • Completed and signed self-disclosure form (provided by the leasing company)
  • Copy of identity card or passport
  • In the case of foreign lessees, without a German identity card or. passport, a residence permit incl. a valid visa. Confirmation of registration
  • proof of salary for the last three months

Commercial lease:

  • Completed and signed self-disclosure form (will be sent to the lessee). provided by the leasing company)
  • copy of the identity card or passport of the managing director
  • In the case of foreign lessees, without a German identity card or a German passport. Passport, a residence permit incl. a visa. Confirmation of registration of the managing director
  • A current extract from the commercial register
  • Business analysis (BWA)
  • For sole traders and freelancers: certificate from a tax advisor about the type and start of the self-employed activity as well as about the registration in a chamber or in a professional register

What alternatives are there if I do not meet all the requirements for vehicle leasing??

  • If you cannot fully meet all the requirements for approval of a leasing contract, there are several ways to possibly still get there.
  • Make a special payment as a one-time special payment at the beginning of the contract. This reduces the risk for the lessor.
  • A security deposit. This should amount to about 25% of the vehicle value. This significantly reduces the lessor’s default risk.
  • Use a guarantor with the necessary creditworthiness if you yourself do not meet the requirements for vehicle leasing.

Important: unfortunately one finds again and again innumerable offerers, who promise one vollmundig a leasingauto also without positive schufa information to be able to procure through them. These are i.D.R. Mostly dubious, it is therefore great caution offered before such advertising promises. So take a close look at the small print in advance to avoid any unpleasant surprises later on. Even if they actually get a car through such providers in the end they pay this with particularly bad conditions usually double and triple. These lessors often accept the high risk of a payment default with heavily overcharged rates or hidden special payments pay.

Who can drive a leased car?

I.D.R. May the leased vehicle only by the lessee be driven yourself. Make sure that the shared use is contractually regulated by other persons. Is the lessor agree, the further driver be included in the car insurance. However, this addition usually provides for a higher insurance premium.

Can you sell a leased car?

A leasing car to sell is not possible without further ado, since of course only vehicles from the property can be sold. A leased car does not belong to the customer who leased the car, but to the contractual partner, i.D.R. The leasing company.

How old do you have to be to lease a car??

This varies from lessor to lessor. While with some providers already at the age of 18 can lease a vehicle must times with other again at least 21 years be old to get a leased car there.

Is a leasing contract entered in schufa?

Yes, leasing contracts are registered with the schufa, just like all other instalment transactions and framework credits.

What else can be leased besides cars??

Nowadays you can lease almost everything: complete production lines, machine tools, IT equipment (servers, pcs, notebooks, smartphones, etc.), etc.), software, commercial vehicles, boats and ships, printing machines, musical instruments, construction machinery (such as cranes, excavators, etc.), warehouse equipment, buses and trains, tractors, agricultural machinery, motorcycles and scooters, e-bikes and pedelecs, energy equipment medical technology, aircraft (jets, propeller planes, gliders, ultralight aircraft, etc.), and other equipment.), helicopters/helicopters but also complete operating equipment and even real estate.

The decisive criterion for the leasability of an asset is its fungibility. The object must be further exploitable after the expiry of the basic lease period by means of further leasing or sale. A natural lower limit results in terms of value from the ratio of the administrative costs of a leasing contract and the acquisition value of the leased object.

What is the difference between renting and leasing?

The difference between leasing and renting consists of the fact that the user of the leased object has to pay all rights, risks and obligations has, which in the case of traditional leasing is usually borne by the lessor. unlike a rental contract, the lessee is liable for any damage caused as well as the failure of the product.

What is company leasing?

company leasing, often commercial leasing or business leasing is, in short, a rental relationship. The leasing contract agrees on the use of economic goods (in most cases probably vehicles) by a company, the lessee, which pays a regular fee (leasing rate) to the lessor.

What is a mileage lease?

The mileage leasing is a form of financing a vehicle. The decisive factor here is not so much the residual value, but rather the real mileage at the end of the contract period. With this form of leasing, the lessee considers before the start of the contract how many kilometers he wants to/will drive per year. This will be in leasing contract recorded. The accruing monthly leasing rate depends, on the one hand, on the selected annual mileage and secondly also from the selected contract term of the leasing contract. It is therefore important to consider in advance how much you will drive during the term of the lease, otherwise you will have to pay the lessor for each additional kilometer driven. The costs for this more kilometers can vary and depend i.D.R. Predominantly depending on the vehicle model selected.

What does calculated residual value mean??

The residual value is the actual or calculated value of the leased object after expiry or early termination of the leasing contract. There are three main types of residual values:

  • Accounting residual value: this is the residual book value of the leased asset on the balance sheet according to the accounting rules at the time the lease is terminated.
  • Calculated residual value: with calculated residual value, the lessee and lessor assume that at the end of the agreed basic lease term, the leased asset will still have a certain residual value resulting from the agreed use, taking into account future market price trends.
  • market value: the market value is the actual value of an asset that can be achieved in the respective market situation at the time of disposal.

What is a residual value lease?

Under the residual value leasing is understood to mean a form of leasing in which already at the beginning of the contract estimated residual value of the leased object at the end of the contract term is fixed.

What is the difference between policyholder and insured??


  • the keeper of a car is the person who is mentioned in the vehicle documents.
  • The vehicle owner pays the vehicle tax and receives traffic tickets (fines and points in flensburg)


  • the policyholder of a vehicle is the person in whose name the vehicle insurance is held.
  • The insured determines the scope of insurance and is also liable in the event of a claim. In the event of a claim, the customer may have to pay the deductible, is upgraded to a higher no-claims class and therefore has to pay a higher premium

What is a favorable leasing factor?

The leasing factor is an objective comparative value, on the basis of which different leasing offers can be compared with each other on the basis of the rate to be paid and the gross list price. It indicates the leasing rate to be paid in percent, in relation to the value of the lease.

Since there are usually other costs apart from the monthly leasing rate (mostly one-time transfer costs and, if applicable. A down payment or. Special payment at the beginning of the lease contract), we prefer to use the total leasing factor, since all costs incurred during the term of the lease are actually included in the calculation.

As a rule of thumb, however, the following advice can be given to interested parties: a really good leasing factor is a good value good total lease factor is less than 0.7. Correct leasing bargains even have a GLF of less than 0.5.

With our practical online calculator you can calculate the leasing factor yourself in no time:

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