Private Credit and Leasing
With PT Conseil
The pros and cons
Would you like to buy a new passenger car, a motorcycle or even a boat? Do you hesitate between private credit and leasing?
Certainly, leasing offers are very attractive due to low interest rates and low monthly amounts. But, don’t be fooled by advertising and opt for the best financing solution in all knowledge!
Private credit:
the best solution for you.
the best solution for you.
The purchased item belongs to you from the beginning of the contract!
You have the right to resell your property at any time, since it is yours, without necessarily having to repay your credit in advance.
You have the option of repaying your credit at any time, while saving a portion of the interest on the advance period.
You have a variety of insurance options and can choose the one that suits you best.
You’re saving a lot of money in your taxes.
The interest rate remains unalterable throughout the term of the contract.
You can benefit from coverage in the event of death, involuntary unemployment and incapacity for work.
Leasing: an attractive choice for your budget, but reckless
The purchased item belongs only to the leasing company, not to you!
At the end of your contract, or in case of early termination, you must pay the residual value of the vehicle… and it can cost you a few thousand francs!
You must opt for full casco insurance.
The interest paid is not deductible from your taxes… so no savings!
In addition to the monthly leasing payment, additional costs may vary. When these are increased, your monthly payment can very quickly double!
You do not benefit from any coverage in case of death, unemployment or incapacity for earnings.
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