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The detailed guide below is currently available in English.
How leasing differs from borrowing
A loan pays off the whole price plus interest until you own the asset. A lease only pays for the decline in value you use, with the residual — the asset's guaranteed worth at lease end — staying outside your payments. Finance costs apply to the average of the two values through the money factor. That is why lease payments track depreciation: a high residual means a cheap lease, and a fast-depreciating asset is expensive to lease.
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What is a good residual value?
It depends on the asset class — vehicles commonly hold 50–65% over three years, while equipment varies widely. The residual is usually set by the lessor; a higher residual lowers your payment but raises the buyout price at the end.
How do I compare a lease to a loan?
Multiply the lease payment by the term and add the buyout price to compare with the loan total cost. Or run both here and in the loan calculator at the same term to see the monthly difference.