Leasing is a bit like politics, the subject is likely to animate your Sunday meal with the family. There are already those who validate the tranquility option. Because a leasing contract, lasting 24 to 60 months on average, generally includes regular maintenance, mechanical repairs, even insurance, assistance and summer or winter tires. Finally, there is only your full tank of gasoline to add to the monthly budget.
Nearly 50,000 leased cars
Mobiz, the professional association representing the main players in short and long-term vehicle rental in Luxembourg, currently has sixteen members. But its responsible officials that more or less 20 actors are active. The leasing sector alone represents around 47,000 rolling vehicles and more than 15,000 vehicles registered each year. They are mainly passenger cars and light commercial vehicles.
“The monthly payments can range from 200 to 1000 euros”, estimates the Automobile Club of Luxembourg. With this envelope, you can “have a car in a higher price range than what could be offered with conventional financing,” notes the comparator of Auto Leasing offers. According to these specialists, choosing a second-hand leased vehicle, especially those put back on the market after a first contract, even reduces “the ecological impact of the vehicle (…) by not generating the purchase of a new one”. In addition, the vehicles are in stock and available immediately. So much for some strengths.
“My choice is quickly made”
But there are the cons. A leasing “is like a long-term location,” recalls the ACL. The vehicle, unless you activate the purchase option, does not belong to you. “If we do the math, leasing remains expensive compared to a purchase”, notes Madiou, reader of The essential. Main argument? Limited mileage, with most contracts counting 10,000 kilometers by one on average. “When someone tells me ‘I have to take the other car for the holidays otherwise my leasing will increase’, my choice is quickly made. I buy my car and keep it for a long time, ”slips Bruno, another reader.
For many, leasing is “a trap”. Hence the need to be well informed, to adapt its formula to its use and to sign a carefully studied contract. Leasing then becomes “a solution without unpleasant surprises or caches in small print”, reassures the ACL.
(The essential / Nicolas Chauty)
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