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Leasing i kredyt, czyli jak sfinansować zakup samochodu | Pieniądze i ja
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Leasing i kredyt, czyli jak sfinansować zakup samochodu

Brakuje Ci środków własnych na zakup samochodu? Nic straconego. Zakup samochodu można sfinansować na różne sposoby, np. poprzez leasing, kredyt samochody czy nawet zwykły kredyt gotówkowy. Dziś powiem kilka słów na temat kredytu samochodowego oraz leasingu. Który z tych sposobów finansowania jest lepszy?

Oba sposoby finansowania, czyli kredyt samochodowy, jak i leasing posiadają zarówno wady i zalety, wszystko zależy od tego, co jest bardziej korzystne dla nas. Warto zatem przyjrzeć się poszczególnym elementom obu produktów.

Okres trwania umowy

Jeśli chodzi o czas trwania umowy to przy kredycie samochodowym może on być dłuższy, udzielany maksymalnie nawet na 10 lat. Oczywiście im dłuższy okres kredytowania, tym więcej zapłacimy odsetek, ale miesięczna rata będzie niższa i mniej zaburzająca nasz budżet.

Przy leasingu samochodowym okres ten będzie już krótszy minimalnie 2 lata, a maksymalnie 5 lat. Przy kredycie samochodowym możemy skracać czy też wydłużać okres kredytowania, w przypadku leasingu nie będzie nam to dane i jeśli raz ustalimy okres trwania umowy, taki też będzie musiał pozostać do końca. Nie można zapomnieć o tym, aby w umowie leasingowej znalazła się klauzula wykupu. Bez niej nie będziemy mogli się starać o to, aby po zakończeniu umowy samochód stał się naszą własnością.

Kwota jaką możemy uzyskać

Kwota jaką możemy kredytować przy kredycie samochodowym jest dowolna, oznacza to, że zarówno możemy wziąć kredyt na brakującą nam do kupna samochodu kwotę, jak i na 100% wartości samochodu. Wszystko zależy również od naszej zdolności kredytowej.

Decydując się na leasing na pewno będziemy musieli ponieść jakiś wkład własny, czasami jest to 1% wartości, ale najczęściej od 5%-10%, a nawet więcej. Należy również pamiętać, że leasingodawcy najchętniej finansują samochody nowe lub bardzo młode. Na leasingowanie nawet 5-letniego samochodu, mogą się już nie zgodzić.

Swoboda użytkowania

Mniejszą swobodę użytkowania i decydowania o samochodzie będą z pewnością mieć leasingobiorcy, gdyż to leasingodawca przez cały okres umowy jest właścicielem sprzętu.

Kredytobiorca ma nieco większą swobodę, może sam wybrać ubezpieczyciela czy serwis samochodowy, może również sprzedać pojazd przed zakończeniem umowy, chociaż to już głównej mierze zależy od tego jak wygląda zabezpieczenie banku.

Korzyści podatkowe

Obie formy mają również korzyści podatkowe. Raty leasingowe rozliczane są w oparciu o fakturę VAT, co oznacza, że przedsiębiorca będzie mógł obniżyć co miesiąc zarówno swój podatek dochodowy, jak i wad.

Kredytobiorca może wpisać w koszty działalności odsetki co miesiąc generowane przez kredyt, a także amortyzować samochód.

Zarówno leasing samochodowy, jak i kredyt są dobrym rozwiązaniem, jeśli nie mamy własnych środków na kupno samochodu. Warto jednak przed zdecydowaniem się na którąś z form, wszystko dokładnie przeliczyć i sprawdzić, która z opcji będzie się nam bardziej opłacać. 

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