BankAg (I think it is) do finance so have a look at their website.
When I did it I found the car, decided on how much to put down and how long to have the lease etc. When I was happy with that, gave the dealer all the required info, he did his stuff, informed me all was ok and got the car. I intended to keep the car at the end of the lease but others may want to do something else.
Generally, for car leasing, you turn up with your residence permit (B and above), permanent work contract, pay a downpayment (some garages might not need that), be subjected to approval from the bank and off you go for a specific period of time. You can choose to either return the car at the end of the lease period or keep it at the value its at, at that point in time.
Servicing cost will be included but you must bear the cost of insurance. For more information on how car leasing works, a quick search on the forum will pop up many useful threads.
lease. They can really get you there. If you go over the given
number of kilometers, you will be charged heavily.
Because of my bad estimate, I decided to keep my car.
Good luck!!
Also check with your company’s HR department on any arrangements they may have with car dealers to offer good discounts. Probably not as prevalent as it used to be, but it’s worth checking. Same goes for buying tires, they sometimes have special arrangements with dealers for discounts. Doesn’t mean you shouldn’t shop around of course, you may still be able to beat whatever the discount price is.
As HollidayG says, check what kilometres per year you’re allowed. It’s usually 10,000 per year and if you go way over your limit by the time the lease ends it will cost a lot. Leases usually run for 4 years for new cars so the occasional trip which takes you over one year could be balanced out, but if you do a lot of car journeys then see if they can offer you a better yearly limit. It will probably cost you a bit more for the monthly lease price, but you have to offset that against a nasty bill at the end of the lease, particularly if you plan to keep the car when it finishes and have to make the final payment for that too.
Switzerland's car showroom attendants have pretty good form for being about as helpful as a cock flavoured lollipop.
Specify the kilomaters you want to commit to - 10,000, 15,0000, 20,000 or 25,000 Specify desired deposit as long as it meets the minimum A residual value is determined based on the KMs, deposit and length of the lease A monthly lease amount will be calculated based on the above Servicing is not included but you are free to service at a place of your choice örovided they are authorised for your make of car Dealers may not all speak english so having a grasp of german in Zurich area helps however there is nearly always someone in the dealership that speaks english and you will find it easier to find them if you make an effort When I converted the first lease to a second one I actually got credit for being under the KMs as a tradein In summary, organising a lease is straight forward and a very effective way to pay for a car over a few years instead of a bulk purchase up front
I mean it's a hefty whack every month isn't it? Even for a mid range car. Then the deposit & all the restrictions & you still have to pay for servicing which can be tied to expensive dealerships.
The general quality [of cars] has been so good for the past 10 yrs or so, that I've had a couple of really nice 2nd hand ones that would have been impossibly expensive [for me] new.
My latest is a late 2004 A6 Avant quattro with all the toys & only 120km that cost me considerably less than a basic new VW Polo.
Other opinions are available of course
Better quality new cars + well maintained cars = Excellent used car value
Disclaimer: I reserve the right to change my opinion and rant my butt off if it turns Jekyl on me and starts stranding me in the middle of no where
And for instance if you are over at the end of the lease and buy the car for the residual value, surely they still do not bill you?
No they’re not, just at the end of the lease if you decide not to buy the car so you sometimes can “balance out” over the 4 years, i.e. do 20k one year but maybe only 10k another. If you buy they don’t care what the kilometre figure is and won’t bill you for it.