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Answers to the most common questions about calculators in the topic Car loan and leasing.
Leasing is more beneficial for businesses (tax-deductible costs), while a loan is better for private individuals (immediate ownership). The calculator compares monthly costs for both options.
Total leasing cost = sum of instalments + initial fee + buyout amount. The leasing calculator computes the total and compares it with the vehicle's cash price.
APR is the total annual cost of the loan — it includes interest, fees and insurance. Always compare APR, not just the nominal interest rate, to find the best offer.
Yes — early repayment is legally permitted. The bank may charge a fee (max. 1% in the first 12 months). The calculator shows the interest savings from early repayment.
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