Car leasing is a form of car loan. It is an agreement concluded between the financing entity – the lessor and the user – the lessee.
Under the contract, the lessor rents the car to the lessee. In turn, the person using the vehicle undertakes to pay a certain amount in the form of leasing installments.
Both companies and individuals can use this product
Leasing enjoys considerable recognition, especially among entrepreneurs. The advantages of the offer include the fact that the user is entitled to tax benefits. In this accident, unlike a car loan, it is possible to include leasing installments in the cost of business activity.
Moreover, in the case of operational leasing, it is possible to write off 60% VAT. However, the deduction cannot exceed PLN 6,000.
Thanks to this we will gain additional money
The advantage is also that we do not have to spend large amounts of money once, as in the case of buying a car for cash. Leasing is cheaper than a car loan. Leasing companies are not as restrictive when assessing creditworthiness as banks when assessing creditworthiness.
In addition, the user is exempt from PCC and car excise tax, which he must pay when buying a car with a one-off payment. The biggest advantage of car leasing is the low cost. It is smaller than cash and car loans.
The rightful owners of the car when we pay all the leasing installments
However, we only become the rightful owners of the car when we pay all the leasing installments, which is why the most popular car loan is leasing.
When choosing a lessor, it is worth comparing the offers of different companies. A loan calculator will help, which will compare the leasing offers of all companies available on the market for us. Thanks to this we can choose the best offer.