Operational leasing of a high-buy car

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Leasing is one of the most frequently chosen forms of financing the purchase of a car. Such a solution is chosen by many entrepreneurs due to a number of benefits. If you are also planning to sign a lease, check what the purchase value is more profitable. A leasing calculator may be useful. In a few cases, a high buyout is a good option.

Car leasing is a solution that allows you to use your car with a lot of benefits. In accordance with the applicable regulations, the lessee has the right to include as tax deductible costs the payment of own contribution, lease instalments in full and the purchase (final value). The latter can be adapted to its financial capacity and expectations. So when will high value pay off? A leasing calculator may be helpful in answering this question.

The operating lease, which is what?

The essence of the operating lease is the transfer of the vehicle in use by the leasing company to the lessee in exchange for payment of monthly installments. At the end of the contract, the lessee may choose to buy the car or renounce it, unlike a finance lease where the purchase is already guaranteed (at no additional cost).

Operating lease with a purchase of up to 30%.

In accordance with the applicable regulations, the minimum redemption value is 19% in the case of a 2-year lease. However, it is worth to be aware that some leasing companies use deviations and meet the expectations of many entrepreneurs. You can meet with offers where the final value is high, reaching the level of 30%. This means that at the end of the contract, the entrepreneur can buy a car by paying an amount corresponding to 30% of the value of the vehicle.

Leasing calculator. When should I consider an operational lease with a high buyout?

A high residual value is a cost-effective solution only on a case-by-case basis.

• Want to reduce monthly instalments

A high buy-out in an operating lease may make sense if the company wants to avoid large monthly installments. The higher the purchase, the lower the monthly amount to be paid in the lease installments.

Example. Consider an operational lease with a 30% buyout and a 10% contribution. The net value of the vehicle is 65 000 PLN. The lease term is 36 months. As the leasing calculator shows, the monthly instalment will amount to approximately PLN 1286 - PLN 344 less than the 10% purchase price.

If you are looking for a way to reduce the lease instalment, consider the SMARTPLAN Leasing option available in Toyota Leasing. Monthly installments lower by up to 60% compared to standard leasing and the possibility of replacing the car every 3-4 years are its most important advantages.

• Leaving the vehicle to the leasing company

High residual value is a good solution for people who do not intend to buy a car after the end of the lease agreement. In this way, they will only have to bear the costs associated with the use of the vehicle for the duration of the contract.

Wondering if a high-buy operating lease is a dedicated option for you? Use the leasing calculator to make a financial calculation. This will help to make the right decision, tailored to individual needs.