Innanzitutto premetto che non ho intenzione di acquistare un bancomat per l’auto e anche se lo facessi non spenderei tanti soldi. Inoltre, da tutto quello che ho imparato sulla finanza personale, noleggiare un’auto in genere mi sembra una pessima idea, a meno che ovviamente non ci sia modo di aggirarlo.
Detto questo, ho visto molti annunci di automobili che pubblicizzavano tassi di leasing estremamente bassi come questo dello 0,01% di polestar, ma ho visto anche altre società fare lo stesso. Polestar aveva anche un’offerta in cui non era necessario versare un acconto e la tariffa mensile era comunque ok.
Mi chiedo, con tassi di leasing così bassi, ha ancora senso acquistare un’auto dal momento che potresti invece investire tutti quei soldi in ETF? So che hai ancora costi più elevati tramite Vollkasko e ottenere più chilometraggio è costoso. Sembra comunque un buon affare.
Inoltre, mi chiedo cosa ci guadagnano i concessionari, visto che guardando questa offerta sembra un cattivo affare per loro, che non riesco a immaginare che offrirebbero se così fosse…
https://i.redd.it/1q45vh9brewg1.jpeg
di Ok-Jelly-4359
4 commenti
It’s just marketing. If the price has already factored in the lease, you can give a 0% lease without “loosing” anything.
Well it’s a Chinese car brand trying take foot in Switzerland. Once it goes through the roof they will adjust their pricing too.
That said, I would just try to focus buying a car that you can afford. Once purchased it’s all yours and you get your money back the years to come. Best part is you can even sell it after some time and reduce the total cost even more.
But at the end of the day: to each their own.
Most ETFs have a much higher risk profile (both up and down), that’s not a straight comparison. You’ll have to benchmark it against your other debt, like credit card, mortgage, student loans, or against low-risk CHF-denominated fixed income products like savings accounts, government bonds, pre-paying your taxes etc. Otherwise you’re just leveraging.
Other thing to take into account is that generally you can get the car a bit cheaper if you don’t lease (or you even find a barely-used one), you have to take this into account as a hidden cost of this financing.
But, it can absolutely be possible that it does make sense financially.
Leasing in Switzerland is very popular. Well more than the other countries I know more or less of. Here leasing is very flexible allowing you to even lease used cars, which is not the case in other places. Dealers want to move a lot of cars. On the retail price you have to understand they already have their profit, and the interest usually goes to the financing company. Which means if they lease the car themselves by their own financing options, instead of 3rd party one you may engage with, be it 3%, 1% or 0,01%, its gonna go for them.
Then depending on what lease includes, it may be a way for you to just drive and enjoy the car without having to worry about all the bills and issues that come with owning a car. Also I see that a lot of people here just lease a car and keep leasing through new models without the intent of finally owning the car at the end of a given leasing. But many are of the opinion that even if you want to acquire a car, through leasing is a good way to do it.
Many people don’t feel strongly about ownership of a car coz it’s not an investment (except classics or other specific cases). Plus there’s a lot of money to go around and that also gives for a rich used market with tons of options. And because many of them come from leasings that car dealers trade back in, they have low mileage cars to lease once again. It’s just supply and demand basically. If they want to sell they have to give attractive deals. And I’ve seen a few crazy ones over the years. Either the very common 0% leasing during certain promotional periods, or even offering a small entry car when you buy a larger one. I’m sure there’s people with better knowledge but this just my perspective from someone who never bought many cars nor owns a car dealer. In the end I think it’s all about sales and sales alone.