{"id":4279,"date":"2024-07-25T05:00:00","date_gmt":"2024-07-25T03:00:00","guid":{"rendered":"https:\/\/www.miro-kredit.ch\/?p=4279"},"modified":"2024-07-25T04:42:54","modified_gmt":"2024-07-25T02:42:54","slug":"leasing-or-loan","status":"publish","type":"post","link":"https:\/\/www.miro-kredit.ch\/en\/leasing-or-loan\/","title":{"rendered":"Leasing or loan – which option is better for you?"},"content":{"rendered":"
\n
\n
\n

Leasing or loan – which option is better for you?<\/h1>\n

For many private households, paying cash is often not an option, especially for larger purchases such as a new car. When choosing the right financing, the question often arises: leasing or credit?<\/p>\n

Both methods offer certain advantages and disadvantages. The best choice therefore almost always depends on individual needs and financial circumstances. This article explains the differences between leasing and credit to help you decide which option is better for you.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

\"Leasing\n
\n

Leasing or credit: definition<\/h2>\n

Before we delve deeper into the topic, we should first briefly explain the two terms. <\/p>\n

What is leasing?<\/h3>\n

Leasing is basically a long-term form of renting<\/strong> and is often used for car financing. You pay monthly installments to use a vehicle or other asset without owning it. At the end of the leasing period, you usually have the option of buying the asset at a predetermined residual value or returning it and signing a new leasing contract.<\/p>\n

What is a loan?<\/h3>\n

A loan is a contractual agreement<\/strong> in which a borrower receives a sum of money or something else of value. In return, the borrower undertakes to repay this amount to the lender in installments or in full at a later date. As a rule, borrowing is linked to the payment of interest. Typical types of loans are real estate loans or education loans in Switzerland<\/a>.<\/p>\n<\/div>\n<\/div>\n

\n
\n

Credit or leasing: advantages and disadvantages<\/h2>\n

In this section, we briefly discuss the respective advantages and disadvantages of both types of financing when purchasing a new car.<\/p>\n

Advantages of leasing<\/h3>\n