​

A dream car in a garage will be bought with a long search and a choice of financing. We rarely buy a car with cash. Most often we have mid-range used cars between 10 and 30 thousand zlotys. However, if we want a car straight from the living room then it can be difficult to get cash. So what are our options when it comes to financing a new car? Which one will be more advantageous?

How does leasing work?

It is a paid use of a leased object in this case of a car by a person called the lessee. The contract will be concluded for a limited period of time and contains specific terms of use. If the lessee is a company, it is possible to talk about operating and financial leasing. They differ, among other things, in the different ways in which costs are calculated. In operating leasing the cost of depreciation deducts the owner in the financial will be able to put the car into the property and thus count the depreciation as well as interest on the installment. Usually it is better for companies to pay for operational leasing, because it is not necessary to pay all the VAT at once, but then in individual installments.

Leasing not only in the company

Not so long ago, leasing was for companies only, now it can be used by natural persons who do not have a business activity. Consumer leasing will be available because it will be provided not only by banks but also by leasing companies, which, unlike banks, will not be as restrictive as the study of customers' income. Often, a lack of consent to a loan will not mean a lack of consent to a lease. One of the advantages of consumer leasing when a vehicle is the subject of a contract is less paperwork. For example, a car registration is carried out by a leasing company. It, too, will have more room for price negotiations with the manufacturer and will be able to give a better price for a car than a private consumer.

Car loan

Financing the purchase of a car through credit is currently the most popular option among private consumers. More and more vehicle owners are coming to the conclusion that buying for cash is an unnecessary freeze on money that could otherwise be used a little bit. In fact, credit only requires creditworthiness to be taken. Current banking offers can be adjusted to your needs, including the number and size of instalments, so that liquidity is not disrupted. A well-chosen loan for a car does not have to become a very heavy burden for us.

Where to get a loan or lease?

When it comes to leasing, it is provided by banks, but also by other financial institutions and companies that offer only leasing. However, if you are buying a new car it will be worthwhile to check the offer prepared by a car dealer. Practically most of these companies now have financial services. Depending on the manufacturer, the conditions for obtaining credit or leasing may vary. In the package it is possible that you will also be able to finance insurance for your car.