When you get a car, the most exciting part is to select the car that is right for you. What is important to know, and what people usually underestimate, are the side costs mandatory to get a car on the road. When you sum up everything, you obtain what are called “Total Costs of Ownership”. They are used for example to compare if riding an electric vehicle is a save on the wallet.

gowago.ch has partnered with the best suppliers in Switzerland, negotiated the best prices and bundled everything together in a package - the All-in-one. Using economies of volume, we help our customers save up to 1’900 CHF over the duration of their lease, compared to car costs calculated by TCS.

[Choose one of our 9’000 cars and start saving.](https://gowago.ch/en)

The table below will show you as an example how you can save up to CHF 1’900 on an Audi A4 Allroad lease, 48 months and 10'000km per year with All-in-one by gowago.ch :


<table class="table is-hoverable is-striped">
  <tbody>
    <tr>
      <th></th>
      <th>All-in-one</th>
      <th>Buy yourself</th>  
    </tr>
    <tr>
      <th>Full-casco insurance (per year)</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>1’740 CHF</td>
    </tr>
    <tr>
      <th >Vehicle tax (per year) *</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>595 CHF</td>
    </tr>
    <tr>
      <th >Servicing (per year)  *</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>726 CHF</td>
    </tr>
    <tr>
      <th>Tyres (per year) *</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>415 CHF</td>
    </tr>
    <tr>
      <th>Tyres change and storage (per year) *</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>260 CHF</td>
    </tr>
    <tr>
      <th>Vignette (per year)</th>
      <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
      <td>40 CHF</td>
    </tr>
    <tr>
      <th>Total cost of owning the car (per year)</th>
      <td>3’300 CHF (275/mth)</td>
      <td>3’776 CHF (315/mth)</td>
    </tr>
    <tr>
      <th>Total cost of owning the car over 48 months</th>
      <td>13’200 CHF</td>
      <td>15’104 CHF</td>
    </tr>
    <tr>
      <th>Total savings over 48 months</th>
      <td>1’904 CHF</td>
      <td> - </td>
    </tr>
  </tbody>
</table>
<i>*Estimation powered by TCS.</i>


You have a question or would like to request a personalised offer to see how much you’re saving with a gowago.ch deal on the car of your dreams? Write us at [info@gowago.ch](mailto:info@gowago.ch "Get more info") or [book an appointment with one of our gowago advisor in 2 clicks!](https://meetings.hubspot.com/fabian-bollhalder/15-minute-free-consultation-to-answer-any-open-questions-)

gowago.ch has become the most affordable way to drive in Switzerland by making you save money on more than 9’000 of new and used verified vehicles.

How gowago.ch helps you save up to 1’900 CHF

![Happy car](//images.ctfassets.net/1wz7s065hz5r/4pqmH5l7PPJ7IMQVI88VDM/bb73f1b14c6f95fb7e60309b41ba5433/happy-young-woman-with-wooden-box-near-modern-automobile-4173100.jpg)

Many people have experienced it in their life, you’re driving in your car and the service light comes on. The first responses are usually: “WTF is this light? Can I still drive my car? And how much is this going to cost me?” The following moments you start calling the service number, the salesperson who sold you the car or your insurance company. Finally, you are sent to a garage miles away, after which you’re given a huge bill with unexplained costs you don't understand. Unable to compare and unable to benchmark against other garages. Leaving you unsatisfied and with a big bill to pay. 

This is why we built All-in-one. By bundling all the fees together we got rid of unexplained service costs to make sure you never pay too much and are always satisfied. On top, we used our power and the power of our partners to save you money by bundling the costs of insurance, service, tyres and warranty together. Moreover, as we’re partnered with all the branded garages in Switzerland you’ll never have to drive far. 

gowago.ch is the easiest way to find, get and drive a car in Switzerland and with our economies of scale, we made it more affordable as well. Unlike Auto-abos or a full service leasing provider, we have over 4,000 cars you can choose from and our team is unbiased in helping you get the right one! gowago.ch is the dealership of the future that is transparent and honest and which helps you drive comfortably and easily. 

Here’s what sets us apart:

__- All-inclusive costs:__ We bundle together all the costs that you need to get on the road, so that you and your car are safe for a great price.

__- All online:__ We make sure you can get the car from the comfort of your own home with the easiest process on the market.

__- Unbiased team:__ Our experienced team of Advisors makes sure your questions are answered and that you feel comfortable with getting the right car for the right price. Our motto: “we don't sell you cars, we help you get one”.

__- 14 day car back guarantee:__ Not sure about the car? You can give it back in the first 14 days after you signed the contract. 

__- 4,000+ Dream Cars:__ We stock the most popular makes and models, from [Audi](https://gowago.ch/en/explore?make[0]=audi "Audi") to [Skoda](https://gowago.ch/en/explore?make[0]=skoda "Skoda"), from [Jeep](https://gowago.ch/en/explore?make[0]=jeep "Jeep") to [Jaguar](https://gowago.ch/en/explore?make[0]=jaguar "Jaguar"), from [Mazda](https://gowago.ch/en/explore?make[0]=mazda "Mazda") to [Volkswagen](https://gowago.ch/en/explore?make[0]=vw "VW"). Find your next ride.

__- Sell or Trade In:__ Already have a car? No problem, we can help you get a great price for it.

All-in-one by gowago.ch is the easiest way to get on the road in Switzerland. Find out why!

Why choose All-in-one by gowago.ch ?

# The best leasable Hybrid cars in 2020 

Due to the new  CO2 standards, hybrid vehicles are growing strongly in Switzerland. In 2019, one out of ten registered cars is equipped with alternative motorisation. This is expected to increase further this year in line with the government's environmental guidelines and compliance with the CO2 standard.

<a href="#cclass">C Class combi</a>
<a href="#swift">Suzuki Swift</a>
<a href="#toyota">Toyota RAV 4</a>
<a href="#evoque">Range Rover Evoque</a>
<a href="#tucson">Hyundai Tucson</a>
<a href="#mazda">Mazda 3</a>
<a href="#subaru">Subaru XV</a>
<a href="#CHR">Toyota C HR</a>

![Top hybrid cars leasing](//images.ctfassets.net/1wz7s065hz5r/7zTmcfw21Q9KRFlp2ZuwZw/3a32986e3259025fc892483d84999b71/subaru_xv.jpg)

## What are the differences in a hybrid car?

Hybrid cars combine combustion engines with electric batteries. A distinction is made between the traditional hybrid car and the rechargeable hybrid car (PHEV). Their difference lies in the capacity of the battery and the means for recharging. A hybrid car, also known as a "Full Hybrid", is equipped with a battery with a capacity of 1kWh. Its range is limited and its maximum speed is around 50 km/h. More recently, "mild hybrid" vehicles have appeared. They are equipped with an electric motor to assist the combustion engine during acceleration. It is a simple support and cannot replace the combustion engine. However, it reduces consumption and is cheaper to install.
Finally, the Plug-in Hybrid is equipped with a more powerful battery that can be recharged from an electrical outlet like an electric car. Its capacity varies between 8 and 12 kWh and offers a range of 20 to 60 km with a maximum speed of 120 km/h. The combustion engine takes over when the car exceeds the maximum speed allowed by the battery power or when the battery is discharged. The battery is recharged at a charging station or a 220 V socket.
Hybrid cars are appreciated for their lower fuel consumption compared to a petrol car and their lower CO² emissions. The combustion vehicle generates a loss of kinetic energy in braking or deceleration mode, while the hybrid recovers this energy to recharge the battery. In built-up areas, a hybrid car consumes little fuel and makes little noise. If you are considering buying a hybrid car, here are the qualities of the best 2020 hybrids and their cost when buying a lease.

## <a id="cclass">C Class combi</a>
![C Class combi leasing](//images.ctfassets.net/1wz7s065hz5r/4D3lOb70lm51ChpGqcZsul/faaf0ef67f69be233c85cda5a3c745bd/c_class.jpg)
The C Class combi is Mercedes' second hybrid model available in diesel and petrol versions with an electric range extended to 59 km. It is equipped with a 9-speed 9G-TRONIC PLUS gearbox with 306 bhp in diesel and 320 bhp in petrol. The 13.5 kWh battery is identical on both engines. The battery requires 3.5 hours and 7 hours to be quickly recharged from a wall socket. The Mercedes C Class Combi consumes between 1.4 and 1.9 l/100 km with CO2 emissions of between 36 and 44 g/km.

- Rechargeable hybrid
- New price from 60 402 CHF
- Lease amount: CHF 652

[Discover all our C Class combi models
](https://gowago.ch/en/deals/leasing?fuelType[0]=hybrid&make[0]=mercedes-benz&model=c-class-combi)

## <a id="swift">Suzuki Swift</a>
![Suzuki Swift leasing](//images.ctfassets.net/1wz7s065hz5r/2N7aB44qnckOWYVTlrBnYb/3774bba23f55c81a08e162e6f3c2af0b/Suzuki_Swift.jpg)
In the war against CO², each manufacturer offers a model. Instead of existing hybridisation systems, the Japanese manufacturer chose micro-hybridisation by coupling its petrol engine with a 12 V lithium-ion battery. The advantage of this grafting between battery and engine is a reduction in CO² emissions and a reduction in consumption to 4.0 l/100 km with 90 g of CO². In addition, the remarkably efficient Stop & Start system limits fuel consumption in the city and reduces pollution. This well-equipped city car is unanimously acclaimed for the quality of its finishes and comes in 5 versions.

- Mild hybrid
- Purchase price: CHF 11,772
- Lease amount: from CHF 415/month

[Discover all our Suzuki Swift models
](https://gowago.ch/en/deals/leasing?fuelType[0]=hybrid&make[0]=suzuki&model=swift)

## <a id="toyota">Toyota RAV 4</a>
![Toyota Rav 4 leasing](//images.ctfassets.net/1wz7s065hz5r/5LsL30MCKdJhG05ERejqoY/26fb05883b1733f26abf7df400dbbc23/toyota_rav4.jpg)
The Toyota RAV 4 comes in two engine versions and a choice of two or four wheel drive. The vehicle is richly equipped. The manufacturer has declined its model in four levels of finishes for both models. The 2.5-litre, 177-horsepower petrol engine tops out at 180 km/h with an average fuel consumption of 4.5 l/100 km and emissions ranging from 102 g/km to 105 g/km depending on the model. The vehicle is very well equipped with, among other things, automatic emergency call from the first trim level, the Toyota Safety Sense package and bi-zone LED lights and fog lights.

- Full hybrid
- New price from CHF 38,367
- Lease amount: 811 CHF

[Discover all our Toyota RAV 4 models
](https://gowago.ch/en/deals/leasing?fuelType[0]=hybrid&make[0]=toyota&model=rav-4)



## <a id="evoque">Range Rover Evoque</a>
![Range Rover Evoque leasing](//images.ctfassets.net/1wz7s065hz5r/1818huvMOrEbLfThO6dL35/90d629bf91d58a2d49d7ac716fe29418/range-rover-evoque.jpg)
Launched in 2011, Range Rover's SUV has established itself as the number one choice for customers looking for a luxury car. More urban, less bulky and less expensive than the traditional model, it returns in 2020 in a hybrid formula. The model is equipped with a 200 hp petrol engine and three cylinders combined with an 80 kW electric motor. This 4X4 with its MHEV hybrid technology reduces its carbon footprint to 193 Co2 /km and its 9-speed automatic gearbox will appeal to the most demanding customers. It is equipped with a multimedia system with a digital screen and adjustable LED headlights to avoid dazzling.

- Mild hybrid
- New price from : 41,949 CHF
- Lease amount: CHF 589/month


## <a id="tucson">Hyundai Tucson</a>
![Hyundai Tucson leasing](//images.ctfassets.net/1wz7s065hz5r/l0VrNiDHBIovlx9ZJEkep/dffa08236c3db59369fc6b53348a1653/hyundai-tucson.jpg)
The world's fifth largest car manufacturer has not fallen behind in the race for hybrids. Its Tucson 2.0 SRI model is a well-designed car with an opulent shape and quality finishes. This SUV is equipped with a lightweight hybrid engine. The petrol or diesel combustion engine is combined with a 48 V lithium-ion battery and a starter-alternator to limit CO² emissions by 7% and fuel consumption. In the city, driving is more pleasant and the engine avoids the hollows of depolluted engines at low revs. The 185 hp engine consumes an average of 6 L/100 KM at a top speed of 201 km/h and emits 149 g/km of CO2.

- Mild hybrid
- New price from : 47 809 CHF
- Lease amount: 424 CHF/month


## <a id="mazda">Mazda 3</a>
![Mazda 3 leasing](//images.ctfassets.net/1wz7s065hz5r/1NtEYCO5cqmXVK2kqquYZF/32b50df5317217c65e4eb19dc77f8289/Mazda-3.jpg)
 
With its long, plunging hood, the Mazda 3 looks great. With its fluidity and dynamism, this compact seduces with its lines. It is equipped with the Mazda M Hybrid system, which converts the kinetic energy stored in the deceleration phases into electricity, thanks to a starter-alternator that replaces the combustion engine when starting, during city driving, or accelerating up to 90 km. Its consumption is 7.4 l/100 km on the road and 7.6 l/100 km in town.

- Mild hybrid
- New price from CHF 28,442
- Lease amount: 281 CHF


## <a id="subaru">Subaru XV</a>
![Subaru XV leasing](//images.ctfassets.net/1wz7s065hz5r/1kvAO8YmvPk5HS4vZVnmhN/6817beb0d1f0b5817c536d6240b11147/subaru_xv.jpg)
Subaru launches the XV e-Boxer in France. Its 2.0-litre hybrid vehicle is equipped with a four-cylinder 165 hp petrol engine. It is coupled to a 17 hp electric motor. The manufacturer offers the latest version of the Subaru in three trim levels. In all cases, this vehicle, which has very modern and sober lines to remain in the spirit of the brand, comes with four-wheel drive and a continuously variable transmission. It reduces fuel consumption by 11 percent in city driving.

- Mild hybrid
- Purchase price: from 30,040 CHF
- Lease amount: 388 CHF / month


## <a id="CHR">Toyota C HR</a>
![Toyota C HR leasing](//images.ctfassets.net/1wz7s065hz5r/5AeOEPqDyZUFi9rDRPoMBK/591f819f646e55ed1bc65ea34763d7e0/toyota-chr.jpg)
In November 2019, Toyota released a final version of its famous crossover. The latest model C HR 2.0 l has a 4-cylinder petrol engine. It is coupled to a 122 hp electric motor capable of covering 120 km in EV mode. Its hybrid engine is powerful enough to make 70% of journeys on all-electric power without having to be recharged. Aesthetically, the crossover stands out for its very dynamic lines and comprehensive equipment. The latest innovation is a power gauge instead of the traditional tachometer to ensure a smoother ride and to help drivers learn not to use the combustion engine.

- Full hybrid
- Purchase price: CHF 33,155
- Lease amount: from CHF 377 per month


## What future for hybrid cars in Switzerland?

Switzerland will put 300,000 cars on the road by 2020. Alternative forms of propulsion will increase again this year, following a record 88.6% increase in 2019. The big winners of this growth are electric cars (+157.7%) ahead of hybrids (+68.0%). In this market, the future of "plug-in" hybrid models, which can be coupled with a rechargeable battery and a diesel or petrol engine, looks very promising. This latest version of the hybrid vehicle serves as a bridge between the all-electric vehicle and the combined combustion engine and battery. This type of vehicle also allows manufacturers to preserve their production sites without having to invest in new production lines.  Although the purchase price is more expensive, the advantages of these "transition cars" are numerous and appeal to drivers looking for clean and more fuel-efficient vehicles.


Discover the best hybrid cars of 2020. Apply directly online ✓ Large selection ✓ Personalized assistance ✓

Top 2020 - Hybrid cars leasing 

# The best leasable electric cars in 2020 

<a href="#renault">- Renault Zoé </a>
<a href="#hyundai">- Hyundai Kona </a>
<a href="#vw">- VW e-golf </a>
<a href="#audi">- Audi E-Tron </a>
<a href="#bmw">- BMW i3 </a>
<a href="#jaguar">- Jaguar I-Pace </a>
<a href="#tesla">- Tesla S </a>
![Electric cars](//images.ctfassets.net/1wz7s065hz5r/O3k9yqv6FNuq8Siq3a3vY/e691b6910abb9396f9784b0ea1f6e847/electric-car-leasing.jpg)

## The electric car market in Switzerland in 2020 

Even if sales do not yet account for a significant share of the market, their development shows that the electric car is on the upswing. According to a study by Auto Suisse, its market share in Switzerland will reach 5% in 2019. Attitudes are changing and the environmental impact of cars is on everyone's lips. 
These changes have a direct impact on the sales strategy of manufacturers, who no longer hesitate to get out of SUVs and sedans. For the first time, Volkswagen has set up a complete assembly line for the production of the VW ID3 at its Zwickau plant in Germany. It is expected that 100,000 vehicles will be produced in 2020 and 330,000 in 2021. In response to the demand from motorists, manufacturers are increasingly focusing their efforts on autonomous cars, although the average driving distance in Switzerland with an electric car is estimated at 40 km.


Here is an overview of the performance of the most popular electric cars in 2020 and their price to lease them.

[Leasing an electric car or not? ](https://gowago.ch/en/content/leasing-electric)



## <a id="renault">Renault Zoé</a>
![Electric cars Renault Zoé](//images.ctfassets.net/1wz7s065hz5r/5NnUOdfp1umft8p9QDRT3V/9fa86d205ec3b4fc1184e78f1dce2086/Renault_Zo___leasing.jpg)

The Renault Zoé is one of the pioneer electric cars. The latest version released in autumn 2019 has been completely revised. Its interior layout and equipment, with three types of finishes, make it a city car focused on driving pleasure. Renault's small electric car comes in two power levels (108 and 135 hp) and can be fitted with 41 or 52 kWh batteries. It has a range of 398 km (WLTP).

- __Fast charge (50kW DC):__ 1h
- __Wallbox (11 kW):__ 4h30
- __Charging time on 220 V socket (domestic):__ 29h
- __Price:__ from CHF 25'900
- __Lease amount:__ from 485 CHF/month

[Discover all our models of Renault Zoé](https://gowago.ch/en/deals/leasing?make[0]=renault&model=zoe)



## <a id="hyundai">Hyundai Kona</a>
![Electric cars Hyundai Kona](//images.ctfassets.net/1wz7s065hz5r/6N6WiBaQuBqz9XKDmWiGIW/a989555ea42c9f1e4439a1fb51c620d2/29778881037_0cb630d7c8_b.jpg)

Hyundai is offering its city car, well known to small car enthusiasts. The car is available in two electric versions. The "Long Range" is sold with a 64 kWh battery pack, offering a range of 482 km on the WLTP cycle.  And the basic version, equipped with a 39.2 kWh battery pack, promising a range of 312 km. The engine of both versions limits the speed to 167 km/h. The battery is guaranteed for 200,000 km or 8 years. A very exciting model with a great price to mileage ratio.

- __Fast charge (50kW DC):__ 1h
- __Wallbox (11 kW):__ 7h30 
- __Price:__ from CHF 39’990
- __Lease price:__ from CHF 471/month

[Discover all our Hyundai Kona models](https://gowago.ch/en/deals/leasing?make[0]=hyundai&model=kona)

## <a id="vw">VW e-golf</a>
![Electric cars VW Golf](//images.ctfassets.net/1wz7s065hz5r/9n52MnngeucybXumyzaEl/3ce0474480126d7620a9fb52010e00c8/vw-golf-leasing.jpg)

Volkswagen's cult model has gone electric. Quiet and powerful, this mid-size car with undisputed performance continues its momentum. It is powered by an 134 hp engine with a 35.8 kWh battery that promises a range of 300 km. The driver can choose between three driving modes to optimise the performance of his vehicle on the road. The VW e-golf comes with a complete driving assistance kit comprising no less than 16 different technologies to make driving even more pleasant. Its engine allows you to reach 60 km/h in 4.2 seconds and allows a top speed of 140 km/h. The 35.8 kWh battery charges between 45 minutes and 5h and comes with a type 2 cable.

- __Quick charge:__ 45 minutes for 80% of the time
- __Wallbox (11 kW):__ 5h20
- __Charging time on 220 V socket (domestic):__ 17h00 
- __Price:__ from CHF 33'950
- __Lease amount:__ from 617 CHF/month

[Discover all our VW e-golf models](https://gowago.ch/en/deals/leasing?make[0]=vw&model=e-golf)

## <a id="bmw">BMW i3</a>
![Electric Cars BMW i3](//images.ctfassets.net/1wz7s065hz5r/glN68ElGHBwmGshQ2z3UI/ea78aed6cb22de4043485b0cc1da5d1e/BMW_i3_leasing.jpg)

BMW is causing a sensation with its small electric compact car. Designed with many durable, lightweight materials and details that make the interior very functional, it has a range of 285 km with a 42.2 kWh battery, guaranteed for  160,000 km. Its top speed is 150 km/h.

- __Fast recharge (50kW DC):__ 30min (80%)
- __Wallbox (11 kW):__ 8h
- __Charging time on 220 V socket (domestic):__ 15h45
- __Price:__ from CHF 39'950
- __Lease price:__ from CHF 270/month


## <a id="audi">Audi E-Tron</a>
![Electric cars Audi E-Tron](//images.ctfassets.net/1wz7s065hz5r/63ZF8EQsHrAk3cqwcd2GbE/7c520fb429f616eda02ca48ba1c159a4/Audi_E_Tron_leasing.jpg)

Thanks to a series of improvements, the first Audi electric SUV, launched a year ago, gained 25 kilometers of range with the same battery capacity. It increased its range from 411 to 436 km in WLTP cycle with a 95 kWh battery and has all the options for a pleasant and easy driving experience. In terms of road performance, the SUV achieves 100 km in 7" seconds and a top speed limited to 190 km/h.

- __Fast charge (50kW DC):__ 2h
- __Wallbox (11 kW):__ 8h30
- __Charging time 220 V socket (domestic):__ 40h
- __Price:__ from CHF 82'600 
- __Lease amount:__ from 886 CHF/month


## <a id="jaguar">Jaguar I-Ppace</a>
![Electric cars Jaguar I-Pace](//images.ctfassets.net/1wz7s065hz5r/78zb3eVYgd3q8TVO7NN74/8e7383897f6db0ebb11effe8b8add581/Jaguar_I-Pace_IMG_0491.jpg)

The Jaguar I-Pace is the British manufacturer's first ever electric car. It was first unveiled at the Los Angeles Motor Show in 2016 and went on sale in 2018. The brand's stated ambition is to make it the first electric sports car to rival Tesla. This model halfway between SUV and sedan promises a range of 480 km on the WLTP cycle. The manufacturer offers it in four trim levels, with a price ranging from CHF 83,500 for the S trim to CHF 109,080 for the First Edition version. It is equipped with an 84 kWh battery for 394 hp and reaches 100 km in 4.8 seconds.

- __Fast charge:__ 2h (80%)
- __Wallbox (11 kW):__ 13h
- __Charging time on 220 V socket (domestic):__ 39h
- __Price: __From CHF 83’500
- __Lease amount:__ From CHF 507/month


## <a id="tesla">Tesla S</a>
![Electric cars Tesla S ](//images.ctfassets.net/1wz7s065hz5r/1xh7E5LQON0jWaacMCdwet/2d9e0af01b58ec18fb166c97726664f7/Tesla_Model_S_Japan_trimmed.jpg)

The Tesla Model S remains the benchmark for electric cars since its launch in 2012. Always one step ahead, the luxurious sedan promises a range of 610 km with a 100 kWh battery. It is equipped with new functionalities made possible by its control software. Spacious, the brand's large sedan has a very comfortable interior and a 750-litre boot. Equipped with an aluminum body, it allows itself a top speed of 200 km and climbs to 100 km/h in 2,6 seconds.

- __Charging time on a Tesla supercharger:__ 40 minutes for 80% 
- __Charging time on 220 V socket (domestic):__ 40h
- __Price:__ CHF 90’380 
- __Lease amount:__ CHF 566/month (used car)


Discover the best electric cars of 2020. Apply directly online ✓ Large selection ✓ Personalized assistance ✓

Top 2020 - Electric cars leasing 


![Auto-Leasing-Rückgabe](//images.ctfassets.net/1wz7s065hz5r/2S7xCJ6igLusktLz3almaC/9adffda6880afa1ec5c71dd42022e257/Return_a_car_lease.png)

At the end of the lease term, the leased vehicle has to be returned to the lessor, who may then charge the lessee for depreciation due to the wear. Therefore, one should not approach the return of the vehicle too recklessly and expect that everything will already be arranged by the provider. You often risk a hefty bill, but one which you can protect yourself from, if you observe a few basic rules and invest a little effort. 


## Contract clauses - What matters?

The first basic rule is very simple: You should know your leasing contract and the terms agreed upon it. In most contracts, the sum still outstanding at the end of the contract is calculated from the tabular residual value of the vehicle, taking into account extraordinary wear and tear and possible damages. This is also known as a residual value leasing. In rare cases, the mileage of the vehicle is decisive. In this case, a compensation payment is only due if the lessee exceeds the permissible mileage. In most cases, however, leasing companies offer the first option and may include the mileage restriction as an additional clause in the contract. In these cases, exceeding the permissible mileage is regarded as a reduction in value, irrespective of the condition of the vehicle.


## Determine the value of the vehicle

Since the residual value of the vehicle is calculated from various factors such as age, model, mileage, engine and condition, the layman is usually well advised to have the value of the car estimated by an independent appraiser at the time of return. On one hand, you have a counter-assessment if the lessor's assessment is less favourable. Damages that the lessor may have discovered, which were valued lower on his own appraisal or were not present, offer a good basis for negotiation in the event of disputes over certain details. On the other hand, you can consider other options before returning the car.


## Find a buyer for the car yourself

If you want to avoid the costs of returning the car, you can sell the vehicle yourself at the end of the contract. The purchase price achieved can often even be higher than the transfer fee still to be paid to the lessor. In addition to your own expert opinion, it is advisable to compare the prices for cars of comparable age and condition online. In many cases it makes sense to invest some extra time. Instead of selling the car privately, you can of course get an offer from a dealer, especially if you're thinking about leasing a car again. A new contract partner for leasing may offer you better conditions and a higher price for your vehicle if he can conclude a contract for it.


## The condition is decisive

Regardless of whether you want to return the car to your leasing provider or sell it elsewhere, it is always in your best interest to know the exact condition of the vehicle and to document it. If you have already had an expert opinion drawn up, the garage has probably already documented the vehicle with photos. If not, you should make your own photos of all parts of the car that show the condition of the paint, headlights, rims and interior.

## How are damages assessed?

This is also an important point. Not everything that appears to be a damage at first glance can be claimed as such by the leasing company. Leasing providers occasionally try to declare minor blemishes such as minor dents and fine scratches in the top coat, as damage that affects the residual value of the vehicle. It is good to know that small paint damages such as dents with a diameter of less than 2 cm are not  regarded as damage, but as normal wear and tear. These must therefore not appear as defects in your acceptance certificate. The same applies to scratches in rims or wheel covers: these are also considered normal wear. Even 10 cm long scratches on the bumper and radiator grille are considered normal wear.
Here too, however, it pays to not only clean the car thoroughly before handing it over, but also give the paint a polish. This not only enhances the car's appearance and makes it look like new, but it can also remove lighter scratches. The interior should also be clean and free of odours. In particular smokers and/or animal owners should be particularly thorough here, in order to free the vehicle of traces of cigarette smoke, ashes or hair. Dirty and/or worn floor mats will also affect the residual value, as will worn upholstery. An intensive cleaning in a specialized workshop or with a special upholstery cleaner can possibly do a good job and save a few francs.
There are also requirements for the tires with regard to their condition when they are returned. Tyres must have a tread of at least 1.6 mm. You are not obliged to return the car with a second set of tyres if it was delivered with only one set at the start of the contract.

## On return

If the return is actually due, you should consider the following points: 
- It is best to return the previously cleaned and documented vehicle in the presence of a second person and have the handover acknowledged with time and date. 
- It is important to discuss the condition of the vehicle with the lessor on the spot and have any visible damage described in detail in the handover report. 
- The length of existing scratches and the size of paint damage should be exactly listed there. 

If there are any discrepancies between you and the lessor, the handover report should also state that you do not agree with the assessment. The actual approval of the residual value of the car is carried out in the lessor's workshop. Take your time to go through any defects in detail and compare them with your own appraisal. Especially minor paint damage and scratches are not seldom listed on the return certificate, but must not be evaluated. So don't just accept the expert opinion, but check it thoroughly so that you won't be overcharged here.
 
## Conclusion

So if you take a little initiative on your own, you can estimate the additional costs you will incur at the end of the lease before you return the car. This provides you with a better basis for negotiation and you don't have to rely solely on the lessor's expert opinion, which sometimes contains points that can be challenged. In particular, you should pay attention to the exact recording of damages and possibly have an independent expert opinion drawn up, as this will enable you to counter any claims and better protect yourself against unforeseen costs.

We have put together some tips to help you return your lease smoothly - and save money too.

Return a car lease


![Leasing-Voraussetzungen in der Schweiz](//images.ctfassets.net/1wz7s065hz5r/77DRVjaHHJ2zd9g7i6HdoK/c731dc74d7f580decf29d618982225bf/test35.png)

Even if a leasing contract is not equivalent to a credit contract, leasing companies expect a certain security in advance to grant the contract. If you pay close attention to these following points, there will be nothing in the way to your new dream car. In summary, a lease in Switzerland must meet the following conditions, which are explained in the following sections:
- __Creditworthiness.__ The lessor's bank generally requires proof that you are able to pay the instalments over the agreed period.
- __Residence in Switzerland.__ Only Swiss citizens residing in Switzerland or persons holding a B or C residence permit, valid until at least to the end of the lease term can enter into a leasing contract.
 
 
## Financial requirements

The first point concerns the financial side, more precisely the creditworthiness of the lessee. In most cases, lessors require an extract from the debt collection register. This provides information on whether financial liabilities have been paid on time in the past and whether there is no debt collection against the lessee. If your debt collection register excerpt contains entries, now might be a good time to repay the outstanding liabilities. If there are still entries that have already been settled, you may be able to negotiate with the former creditors and have the entries deleted so that this does not stand in the way of your new lease. There are also providers who offer leasing contracts with a negative debt collection register extract. Here, however, you should check very carefully whether it is really a serious provider. As a general rule, the if so-called "inspection fees" are charged in advance just to check your application and regardless of whether a leasing contract is actually granted or not, you should keep your hands off it. In principle, the decision as to whether a leasing contract is granted or not lies with the leasing company and is made on a case-by-case basis. The main factor in the assessment is whether or not your monthly disposable income is sufficient for the instalment after deduction of all liabilities and living expenses.

It is not only a clean debt collection register extract that determines whether you can be granted a leasing contract, but also the amount of your income and other liabilities. Being able to present an unlimited employment contract with a sufficient monthly salary is the best conceivable prerequisite for a positive decision. However, other sources of income such as self-employment can also be considered, whereas the receipt of unemployment benefits is usually not considered sufficient. The decisive factor here is not regularity, but the level of income. In any case, the lessor's bank will check whether you have a sufficient monthly amount available to pay the leasing instalments. It is therefore advisable to calculate in advance how much money you actually have available for a car each month. This will also help you decide which model to buy. When filling in the application form, it is essential that you provide truthful information that will stand up to scrutiny. This means that you normally have to prove to the bank that you have a regular income or that you have sufficient assets to be granted a lease. Family circumstances and any other liabilities are also taken into account.
 
 
## Further requirements

In order to lease a vehicle in Switzerland, the lessee must also have a permanent residence in Switzerland. However, not only Swiss citizens receive a leasing contract, but also temporary  B residence permits or C settlement permits entitle them to conclude a leasing contract, provided that the end date of the residence permit is after the expiry date of the leasing contract. Of course, this only applies if the above financial requirements are met.


## Alternative possibilities

There are cases where the monthly income is high enough, but the bank cannot prove this sufficiently. This is the case, for example, with self-employed persons or young entrepreneurs who are not yet in a position to submit the relevant balance sheets. In those cases, a security in the form of a down payment of an appropriate amount or a deposit of 25% of the purchase price, for example, can often be agreed with the lessor in order to get the desired leased vehicle after all.

If you are thinking about leasing a car, you should consider in advance what requirements have to be fulfilled for the lessor.

Leasing requirements in Switzerland


![Elektroauto leasen](//images.ctfassets.net/1wz7s065hz5r/5u9vtdUQ7QqF06GFCW9DhE/53350d6a89ee7665dc37d42e44790732/leasing-electric.png)

The leasing of a car in today’s time is an economical and widespread solution to buying a new one. This is not only true for companies and business people, but all drivers alike. Some providers offer additional customer services, which are conveniently covered by your monthly leasing payments- making your only concern, your next destination. This is one of the biggest advantages of leasing, apart from the tax advantages for company cars. At the same time, automobile manufacturers are in a state of major transition, moving away from the outdated combustion engine and towards a clean alternative, the electric car. Both the market and vehicle legislators also offer many attractive incentives for going electric. While there are many deciding factors for or against leasing an electric car, such as availability and of course the economic cost, our guide covers the most important points.


## Advantages
- Role model function (professional and private), at the moment, one is still noticeable with an electric vehicle, that will change soon in the near future
- Proof of less or no CO2 emissions, limiting contributions to global warming
- Low environmental impact due to lubricating oil
- Less smog or noise pollution produced
- Currently exempt from the tax on fuel [(see link)](https://www.erdoel.ch/de/zahlen-fakten/wie-setzt-sich-der-benzinpreis-zusammen)  
- In various cantons, such as Thurgau, there are already subsidies of 4000 francs [(see link)](https://energie.tg.ch/hauptrubrik-2/was-wird-gefoerdert.html/860)
- Driving comfort, acceleration, slow traffic, use of braking energy
- Presence of free public parking spaces for electric vehicles with charging stations
 
## Drawbacks
- Driving range limited from 150 to 400 km
- Full charging duration may be lengthy
- High load on power grid due to quick-charging stations
- Unclear environmental impact of used car batteries
 
 
### Remarks
- If you lease an electric vehicle today, you won’t have to worry about the resale value and the aging of the battery.
- Comparison for commuters: 4 years times 250 days at 100 km per day = 100'000 km. Petrol 6 litres/100 km = 6,000 litres. 6'000 liters times 1.67 CHF/Liter = 10'000 CHF VS. Electricity 20 kWh/100 km = 20'000 kWh. 20'000 kWh times 0.20 CHF/kWh = 4'000 CHF
 
 
## The trend is moving towards electric cars
 
As more and more manufacturers are jumping on the trend of electric cars due to legal and market changes, there is now a considerable range of available models to choose from. Compared to the standard fuel engine, the advantage of leasing an electric car is that, possible renewed legislative adjustments will not have a negative effect on you and may even serve to your advantage. On the one hand, some cities, such as Basel, already offer specially designated parking spaces. This way, you can avoid the tedious search for a parking space with your e-car and recharge while shopping at the same time. You can also enjoy discounted parking fees. Depending on the canton, you may also pay less motor vehicle tax or even no tax at all. Even the automobile tax, which otherwise amounts to 4% of the vehicle price, is eliminated when driving an electric car. Leasing an electric car can therefore already be a very attractive alternative today and also offers some beneficial financial incentives.


## Model selection
 
When deciding on a leasing car, the choice of model is of course a significant factor. Fortunately, car manufacturers have long recognized the trend and now offer different models for every need. Making it essential that you limit which models from which manufacturers are suitable for your own needs. The range is quite large and varieties such as fast city models, to luxurious limousines with ample space and performance, are widely available. Think in advance about your main purpose for the vehicle. If you live in the city, mainly drive short distances, use the vehicle for commuting to work, shopping and occasional excursions, a smaller, more compact car might make the most sense for you. Here, the very inexpensive models with driving ranges of around 100-150 km may be an option, since you will always be close to a charging station. The [Mitsubishi i MiEV](https://gowago.ch/en/explore?make[0]=mitsubishi&model=i-miev) or the [Smart fortwo EQ](https://gowago.ch/en/explore?make[0]=smart&model=fortwo-eq) are good value vehicles at a low price. A family man who lives in the village, commutes and goes on holiday by car every year needs both a larger model and one with more driving range. Today, there are several models with a range of around 500 km and more powerful electric motors. The [KIA Soul](https://gowago.ch/en/explore?make[0]=kia&model=soul-electric) or the [Hyundai IONIQ Electric](https://gowago.ch/en/explore?make[0]=hyundai&model=ioniq-electric), for example, are particularly powerful and offer enough space for families. In between, lies a wide range of electric cars with a medium driving range of 250-350 km at a middle price point.

[A good overview of the available electric car models can be found here.](https://gowago.ch/en/deals/leasing?fuelType[0]=electric&sorting=newest)


## Support - also available for leased vehicles.

Another plus point for the electric car is the state subsidy, which also applies if the car is leased and not bought. Switzerland has set itself the target of 15% of newly registered vehicles being electric vehicles by 2022 and has therefore introduced some attractive incentives. This platform of measures is known as ["Roadmap 2022"](https://www.newsd.admin.ch/newsd/message/attachments/55161.pdf). The aim is to boost the economic attractiveness of electric cars in order to achieve a higher market share. The exact amount of the subsidy depends on the place of residence, as the respective canton decides here whether and up to what amounts the subsidies are granted. There is no reduction in the purchase price, but depending on the canton, you can benefit from attractive tax breaks. Currently, the subsidy applies to the purchase or leasing of a new electric car. When purchasing an electric car, the import tax of currently 4% of the purchase price is waived throughout Switzerland.


## Economic Efficiency 
 
The demand for electric cars is increasing not only as a result of subsidies, but also in line with the general trend towards environmentally conscious driving. As a result of this higher demand, the purchase price of a new car has fallen significantly in recent years. If one considers not only the purchase price or the leasing rate, but also the entire cost package including tax and maintenance, electric cars are not necessarily more expensive, in many cases they are already cheaper. In the coming years, this ratio is expected to shift further in favor of electric cars, as prices for fossil fuels will rise. Customer service and repairs are also easier and more frequent for an electric car with significantly fewer parts to service. Depending on the leasing contract, this can also be a financial advantage. As far as operating costs, electric cars, by nature of running on electricity are already cheaper than vehicles with a fuel engine. Electric motors also require fewer resources such as oils and coolants compared to fuel engines. The component that has the most financial impact on the maintenance of an electric car is the battery. Replacing batteries is comparatively expensive. However, manufacturers are working to reduce these costs through new technologies, such as, improved charging cycles and lower manufacturing costs, so this item is expected to be slightly less costly in the future.
 
 
## Development focuses on electric motors - conventional motors are hardly developed any further

This point is especially important for car enthusiasts, where all car owners benefit from the technical development. In fact, the course is now clearly set for the electric car. If you follow the industry's reports, it becomes clear that the good old internal combustion engine will be out of service sometime in the near future. Of course, this means that manufacturers prefer to concentrate their research and development budgets on more promising products and technologies, like the electric car. So anyone who attaches importance to using technical innovations and keeping up to date cannot avoid the electric car, because further development will take place in this sector. Driving behavior, performance and range are already drastically improved today if you compare this with the initial models. It can be assumed that this trend will continue, leading to a further improvement in range and possibly further technical innovations. Systems that convert braking energy into electrical energy are already under development. If you look at the development of gasoline and diesel engines over the last 100 years in the same way, electric cars certainly promise some exciting developments. So, on the whole, if you want to stay at the cutting edge of technology, you're going to drive an electric car. As far as the combustion engine is concerned, it can be assumed that further development in terms of performance, consumption and economy has now reached its peak. At the same time, this also means that those who are still rather skeptical about the electric car will soon run out of arguments, due to the feverish work being done on existing problem areas, such as the lack of charging facilities and short range, but it is to be expected that these hurdles will be overcome across the board. However, it is worthwhile to think carefully about this point in particular. Technical development can also mean that models available today are outdated quite quickly, which would result in a more rapid decline in value.
 
 
## Environmental protection
 
There is a growing awareness among car drivers today that driving should be  environmentally friendly as possible. However, the recent debate about diesel vehicles and the current production of batteries for electric vehicles shows that a closer look is needed. The production of batteries is very resource-intensive and some experts are doubtful whether the provision of electric cars in masses can really solve the energy problems and reduce high CO2 emissions. In addition, there is the occasional high demand for electricity for charging electric cars, which could overburden some local networks if the technology becomes more and more established. In return, some scientists condemn the debate about the harmfulness of diesel vehicles as excessive or even incorrect. The fact remains, however, that fossil fuels are an increasingly scarce and expensive resource. Therefore, it is worth considering whether investing in a more promising technology today will advantageous, especially in view of the current subsidies.


## Suitability for everyday use - assessing one's own situation

However, the above-mentioned advantages may also prove to be a disadvantage in individual cases. The possibility for every individual to install a private charging station at home is unrealistic and if you travel a lot, you have to plan for longer standing times for recharging, which also not feasible. This makes an electric car a suboptimal choice for those who will use it as a primary vehicle. For occasional shorter journeys with long interruptions, which can be used to charge the batteries, it can be a good alternative instead. Therefore, consider whether an electric car is a viable solution at this time and in your situation. Ultimately, it is a case-by-case decision and we hope to have outlined the main points of pros and cons in this article to make such a decision easier.
 
 
## Conclusion - Weighing up well and considering your own situation

In summary, it can be said that some can already benefit from leasing an electric vehicle today, while others may need to wait a little longer. The decision depends on several factors. Those who have no reservations about the technical requirements, such as the charging possibilities available, and who find a suitable car with sufficient range among the offered models, can save substantially through subsidies for their purchase. Remember that this also applies to leased vehicles, through tax reliefs and special electricity contracts. Drivers may also have access to many areas in inner cities that are closed to conventional car traffic. If, on the other hand, you drive longer distances several times a day and would constantly reach the limit of your range, you might want to wait a little longer, especially since the network of charging stations is still under construction. If the infrastructure for recharging and the technology and range of the vehicles improve over the next few years, this may be the better time to buy an electric car without having to make too many compromises in practical handling. Until then, some suppliers will also offer favorable conditions for the purchase of a new model with a combustion engine.

Today, anyone deciding to lease a vehicle should consider whether an electric car is the right alternative.

Leasing an electric car, yes or no?

![pexels-photo-802024](//images.ctfassets.net/1wz7s065hz5r/1UAKAC6VqEgO2a0WW2Y2oi/a10f889d5f71888527cddf634faec28a/pexels-photo-802024.jpeg)


Have you ever been driving around and see this beautiful, huge billboards showing a new premium caradvertising with a leasing price at the price of an internet abo? You’re not alone. Hundreds of thousands of people did as well. However, have you ever questioned the nature of that price? [gowago.ch](https://gowago.ch/en "Gowago Home") helps you take a closer look at these ads and expose what you need to carefully look at not to be mislead.


## 1. The 0% leasing trick

One of the biggest tricks in the industry is the 0% leasing. People are very interested in 0% interest rates because on the paper it sounds great. Like free money lended. However when you [understand how leasing a new car work](https://gowago.ch/en/content/why-leasing), you will see that one of the biggest factor for your wallet is not the interest rate itself, but the residual value of the car. Therefore, manufacturers can manipulate the residual values of cars to higher the mensuality whilst lowering the interest rate. As a result, you have a big 0% leasing you can advertise, but not a positive impact on your wallet.

## 2. Show one car, price another

A classic game that car ads like to play is showing the most checked out, fully loaded, top trim level of a model but advertising it for the price of the base model. In reality, the prices can differ by thousands of franks. When shopping, you should review the engine and equipment included within each new car deal and buy only features you know you need. Automakers usually equip one version of a car model at a strategic price so they can present an affordable-sounding figure. However some dealers may order relatively few of these cars because in the end, buyers actually want to buy more fully featured cars. So lots of times, even if you wanted to buy the car that you saw on the advertising, those cars might be limited in stock.


## 3. Big up-front leasing payments

Do you know that theoretically speaking you could get a Rolls-Royce for CHF199 per month if you paid a high enough down-payment? Downpayment is a leasing term for the amount of money you pay up front to cruise off the lot, the first monthly payment. High down payments make sense when you’ll eventually own the car, but when leasing a car, it’s the opposite. GOWAGO recommends a downpayment that doesn’t exceed 20% of the value of the car. Your monthly lease payment will be higher, but you’ll preserve your savings. From what we hear from our recommended dealers, more and more people are going for a CHF 0 down payment.


## 4. Beware of the mileage

A low payment doesn't necessarily mean you're getting more. You need to understand the value of mileage packages before you race down to the dealership. The difference between a lease calculated at 10,000 km per year and 15,000 km per year can be up to CHF50 a month. Most of advertising will showcase a price using the lowest mileage because obviously it’s the way to go for best leasing price.


One of the most important value for [gowago.ch](https://gowago.ch/en "Gowago Home") is the transparency. Use gowago to get a right estimation of your monthly payment
- We takes for estimations an average leasing rate of 4.7%
- We recommend a default downpayment of 15% and don’t allow more than 50% downpayment in our leasing calculator tool
- Each vehicle deals will show the right equipment attached to the listing item, so you can review the car features that is priced correctly.
- We allow you to select the right mileage that fits your needs to the price reflects already the impact of your true usage.


As gowago.ch's values are transparency and simplicity, we fight all the leasing ad tricks to provide you the safest car buying experience. So don’t hesitate one second, [browse the best new car leasing deals](https://gowago.ch/en/explore?vehicleType=new) in Switzerland and find the right car, at the right price at the right dealership on gowago.ch!


4 ways to determine how car leasing advertisers can fool customers. Read this article to increase your knowledge on car leasing and gain confidence in your car buying process!

 We’ve read the little lines of these advertising to expose the marketing tricks so you don’t have to.

4 ways car leasing ads can fool you

![rsz 2android-wallpaper-artistic-asphalt-799443](//images.ctfassets.net/1wz7s065hz5r/5hU2xuiD1CqEkymgsW6YAA/99ae0711b3ce4112f7d1dc29adb46a53/Leasing-mistakes.png)


## 1. Not understanding how leasing works

Thanks to gowago.ch, finding a leasing is as easy as child’s play. However, leasing entails some knowledge about its structure and what it represents. We give a guide on why leasing [here](https://gowago.ch/en/content/why-leasing "Why leasing").

Here’s a digest and an example on how leasing calculation works. The monthly payments comprise of interest and a principal. The principal or the actual payment for the car is based on the value of depreciation for each specific vehicle over time. Let’s take a [Skoda Octavia](https://gowago.ch/en/select/skoda/octavia "Gowago Skoda Octavia"). So the manufacturer’s suggested retail price, or MSRP, of this car is CHF 27,880 for the most economic version. After 48 months (a typical length for a car lease), the car will be worth around CHF 4,000. Without interest, each monthly payment would then be (27’880-4’000)/48= CHF 580 to accommodate the amount of depreciation this vehicle experiences, which happens to be very low in this case. As Skoda is a popular model in Switzerland, it holds its value quite well even after three years. This calculation has been made with a 0% interest rate and 0% downpayment.

Be sure to choose your vehicle wisely and realize that sometimes a better vehicle isn’t necessarily more expensive to lease, it will all depend on the residual value and is tied to the market demand and it depends if you own the car after. In Switzerland, looking at the number of premium cars on the road it won’t be surprising to see a [Nissan Juke](https://gowago.ch/en/deals/leasing?make[0]=nissan&model=juke) at the same leasing price as a well equipped Audi A3.

One of the biggest mistakes in leasing is underestimating the residual values, which are in fact the biggest factor on the monthly price for your new car. Research vehicles and their values before making a decision on which one to lease.


## 2. Underestimating your Mileage

When starting a lease, the amount of miles the client will put on the car is predetermined. Most of the time, dealers will suggest anything from 10,000 to 20,000 km per year. If that’s how much a client drives, excellent. If that’s not the case, the time is now to make the change. Really think about how many km you drive a year because if you sign up for 10,000 km a year and end up using, let’s say, 15,000 km, dealers could charge up to CHF 0.30 per exceeding km which would be a whopping CHF 1’500 more each year of the lease. It is much less expensive to purchase extra km package beforehand. Just remember to be reasonable. For information, the usual swiss citizen drives around 30km per day, meaning around 10000 km per year. However, don’t commit to 10000 km a year as a new year’s resolution, for example. It’ll cost you in the end. Additionally, dealers often buy back any unused miles at the end of the lease term. Be sure to ask about this before signing anything. Negotiate!


## 3.Backing out of the lease term early 

Each lease has a different way to deal with early termination, but none of them are friendly. If you commit to 3 or 4 years, really commit to it. For example, some companies will demand that you pay the remainder of the monthly payments immediately upon termination. On top of that, many also add on a fee of up to CHF1000. Essentially, you have to pay the remainder of the depreciation costs anyway, so you might as well just continue to lease the car. There’s really no good alternative whatsoever besides buying the car cash early from the dealer.


## 4. Leasing for too long

Most new vehicles have a manufacturer’s warranty that lasts between 3 and 4 years. Coincidentally, most lease terms should last between 3 and 4 years. The last thing you want to be doing is paying for maintenance past the warranty on a vehicle you don’t own. There’s very little reason to lease a vehicle longer than 4 years. That’s also one of the benefits of leasing; you constantly upgrade to a new vehicle. If you really want to be in a car long term, just buy a car with a private auto credit.


## 5. Not knowing your credit score

Unlike in the U.S.A where credit scores are tied to your social security number, in Switzerland you don’t have a universal, legal credit score. However, banks rely on personal data and statistics that can influence your credit and thus the price you will get for the car, or even in extreme case if you can get a leasing at all. A couple of factors influence heavily this score and the most important of them is if you’re a good payer. If you have pursuite you may be in trouble to get a leasing for example. However, some people underestimate that they can have a middle-range score just because they changed addresses a couple of times in a short timing or if they have an old unpaid bill they forgot about years ago. To be sure to be in the green, try to run a private CRIF check, as they will allow you to get your score and recommendations to improve it. [See here](https://www.crif.ch/en/consumers-area/self-assessment/ "CRIF check").


## 6. Not maintaining the car during the lease term

After you’ve established and negotiated the fine print, make sure to keep up with it. It’s easy to have a car for two years and let a few things go, but that will cost you in the end. The dealer may not explain just how expensive it is when there are little scratches, little dents, etc., so ask before. Often, it’s less expensive to simply repair the small things yourself. Usually, if the scratch or ding is a couple of centimeters or less, that’s considered normal wear and tear, but always make sure to know beforehand.


## 7. A too large downpayment

There’s too much risk involved with paying a large down payment. Let’s say, for example, that the new vehicle is stolen or totaled within the first few months. The dealership would be reimbursed for the damages, and while the consumer would not be liable for those damages, it’s entirely possible that the consumer would not be reimbursed for the down payment.
So what should you pay for a down payment? Well, it’s frequently possible to put zero down payment on a lease, and we see more and more of this in Switzerland. This isn’t always possible and can sometimes make the monthly payments a little more expensive, so the recommendation of Gowago.ch is to go for 15% of the car down.


## 8. Buy unnecessary options

Simply put, in the automotive purchasing process you will always be tempted to buy the best, the most equipped cars. Car salesmen have an interest in selling you the most expensive car, so think twice if you really need that option in particular. Therefore, be sure to use the smart filters on gowago.ch inventory finder to find the car that fits your needs, not the dealer’s.


## 9. Buying your leased vehicle at the end of the lease

This isn’t necessarily bad, but it definitely can be. Most often, the value of the car at the end of the lease term will have already been decided when first starting the lease - the so-called residual value. If the car is well taken care of, then yes, it could be in your interest to purchase the vehicle. On the other hand, once you purchase the vehicle after 3 or 4 years, that vehicle is probably no longer under warranty and you’ll be paying for any maintenance that happens after. It’s possible to purchase an extended warranty, but it may be in your interest to simply lease another vehicle. [Some other tips to help you return your lease smoothly] (https://gowago.ch/en/content/leasing-handover).

## 10. Not being (well) prepared before entering the dealership

The power of the internet is to make information accessible to everyone. Therefore consumers are more and more prepared when they are interested in a product, sometimes they know even more things than the dealership tehmselves. However when we take a look at the list above, on top of everything regarding the model selection that is right for you, there is a lot to know before being confident enough to walk through the door of the dealership. We developed gowago.ch for this exact reason, to make information affordable and easy to everyone, regardless the level of prior knowledge. Browse [gowago.ch](https://gowago.ch/en "Gowago home") to be sure you have the right information and plan to visit one or a couple of dealerships full of confidence when you finally pass that door.

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Be sure to check our other articles to become a real car leasing expert for your next new car dream.



Car leasing definitely has its ins-and-outs, and you don’t want to end up emptying out your wallet because you glossed over one tiny detail. We present 11 car leasing mistakes to avoid when you lease a car.

Car leasing definitely has its ins-and-outs, and you don’t want to end up emptying out your wallet because you glossed over one tiny detail. Below are 11 car leasing mistakes to avoid when you lease a car.

10 mistakes to avoid when you lease a new car

![Why leasing](//images.ctfassets.net/1wz7s065hz5r/1TPtkOfSOgmm0yIYwocGOs/dbb422f23f75b1ef221a2967fb84630b/aerial-photography-of-blue-car-on-road-1552224.jpg)

Increasingly more people are interested in leasing in Switzerland. About half of the new cars in Switzerland are leased and this number is growing. So why is this number growing and why do people lease? Lets have a closer look!

<ul class="fa-ul" style="margin-right:0rem">
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span> 
    <b>New car, all the time</b><br> First of all, leasing a car means you always get to drive around in a sweet new ride. For many people, especially in Switzerland, this is an emotional boost that can’t be ignored. If you love cars and driving, this is a big perk.
  </li>
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span>  
    <b>Less maintenance issues</b><br> As the car is brand new, you don’t spend often time at the garage. You return your car before these kind of problems start showing up. If you lead a very busy life, or you’re on the road a lot, this is one less stress you have to deal with.
  </li>
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span>
    <b>"Afford” a nicer car</b><br> If you’ve ever wondered how it is that so many people can afford to drive BMWs and Range Rovers, then wonder no more. According to dealerships, around 75% of all luxury cars are leased. Leasing allows you to “afford” a nicer car than you’d get if you had to buy it.
  </li>
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span>
    <b>Few upfront costs</b><br> Speaking of costs, leasing allows you to get into a car with very few “upfront” costs. You often don’t need a down payment (or if you do, it’s fairly low)
  </li>
  <li style="padding-left:1.5rem; padding-bottom: 1.5rem">
    <span class="fa-li"><i class="fas fa-check fa-2x"style="color:#2DBD6A"></i></span>
    <b>Driving of the future</b><br> The last reason is that, in general, people don’t want to invest a large amount on their car anymore, especially young people. And why should you? When you drive the car out of the dealership, you loose 20% of your investment. This is one of the major factors why people are more interested in paying a monthly fee.
  </li>
</ul>
<hr/>
If you are hesitating between financing leasing or buying, please check [our article](https://gowago.ch/en/content/financing-leasing-buying "Financing vs. Leasing vs. Buying") on owning a car and see the pros and cons of each option.

Ready to go? [Get started](https://gowago.ch/en/deals/leasing?sorting=newest) and apply online for the leasing of your dreams.

Why are people leasing? What you need to know about leasing

A more comfortable way to drive

Why leasing?

Driving a brand new car is nice but how do you decide how you own it? These days there are three basic options when acquiring a sweet new ride: buying it cash, financing, and leasing. In this article we will look at the three options and see the positive and negative points of each to make sure you make the right decision for you.
![matt-henry-59403-unsplash-for-web](//images.ctfassets.net/1wz7s065hz5r/2Bmttbo772YOkYC82kiYAG/2a6a72ee1c979facaa94f0c125ddd1c0/Leasing-financing-buying.png)

__First some facts__, about half of all new cars sold each year are leased and more and more people are interested in paying a monthly fee for their car. It is a general trend that people want more flexibility in their ownership and payments and that they dislike paying a large fee upfront whilst the value of the car drops fast. [Learn more about the perks of leasing](https://gowago.ch/en/blog/why-leasing "Why leasing").

## Financing
When financing a car, you pay a monthly fee which covers the price of the car over time. Once approved, the financing bank will transfer the amount you desire to your account with which you can use to buy the car. The car is fully owned by you and the money you owe to the bank is tax deductible. You can enter with any down-payment you want to get to the desired monthly rate. The bank is the final decider of the credit conditions based on your financial situation. Usually, the bank charges a steep interest rate (much higher than leasing) to cover the risk, around 8-10%.

![mateusz-delegacz-401912-unsplash-for-web](//images.ctfassets.net/1wz7s065hz5r/1TPtkOfSOgmm0yIYwocGOs/b72db595968f05a3b7fef4257ea29bfb/mateusz-delegacz-401912-unsplash-for-web.jpg)

## Leasing
Leasing is basically a long-term rental. Like with financing you can enter with any down-payment but unlike financing, you don’t own the car and the payments are not tax deductible. The big difference with financing is that with leasing, the car has a residual value set by the leasing company. You can see the residual value as an assessment by the leasing company of how much they think the car is worth after your leasing terms have ended. Popular models often have high residual values because the leasing companies believe they can sell the car easily after making your monthly payments low . Depending on the contract, you also have the option to purchase the car at this price when the leasing ends.

The big plus of leasing is that monthly rates are lower than financing because of the residual value and the process of getting the car is much faster and less complicated.

There are a few points you should be careful of when you make a lease:
* __Insurance__ - As the car is not yours you will need to obtain expensive full casco insurance.
* __Excess mileage__ - If you drive more than as set forth in the contract per year you will face an additional cost for the excess mileage.
* __Ending early__ - If you want to end your leasing early you might have to pay a big fine set by the leasing company so make sure to check the contract carefully and discuss this with your dealer.

![matt-henry-59403-unsplash-for-web](//images.ctfassets.net/1wz7s065hz5r/2Bmttbo772YOkYC82kiYAG/115d47a490aa70e871e7b7698da88cff/matt-henry-59403-unsplash-for-web.jpg)

## Buying
Buying is the most straightforward of the three, you pay the whole amount of the car and you can drive away.

Let’s look at the three in a simple overview
<table class="table is-hoverable is-striped">
  <thead>
    <tr>
      <th style="width: 25%;"></th>
      <th style="width: 25%;">Leasing</th>
      <th style="width: 25%;">Financing</th>
      <th style="width: 25%;">Buying</th>
    </tr>
  </thead>
  <tbody>
     <tr>
       <th>Tax deductible</th>
       <td><i class="fas fa-times fa-lg" style="color:#D0021B"></td>
       <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></i></td>
       <td>*</td>
     </tr>
     <tr>
       <th >Fast process</th>
       <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></td>
       <td><i class="fas fa-times fa-lg" style="color:#D0021B"></i></td>
       <td><i class="fas fa-check fa-lg" style="color:#2DBD6A"></td>
     </tr>
     <tr>
       <th>Insurance</th>
       <td>Full Casco</td>
       <td>Any</td>
       <td>Any</td>
     </tr>
     <tr>
       <th>Owner of the car</th>
       <td>Leasing company</td>
       <td>Customer directly</td>
       <td>Customer directly</td>
     </tr>
     <tr>
       <th>Flexibility</th>
       <td>Low monthly payments but high fee for getting out</td>
       <td>High monthly payments but the car is yours</td>
       <td>-</td>
     </tr>
     <tr>
       <th>Service</th>
       <td>Obliged</td>
       <td>-</td>
       <td>-</td>
     </tr>
 </tbody>
</table>
<i>*Private motor vehicles must be declared as an asset in the tax return.</i>

## Leasing vs Financing, example of total monthly costs
We show the difference of leasing and financing based on a concret example of a [VW Polo](https://gowago.ch/en/deals/leasing?make[0]=vw&model=polo "VW Polo") 1.0 TSI Comfortline.

<table class="table is-hoverable is-striped">
  <thead>
    <tr>
      <th style="width: 45%;">VW Polo 1.0 TSI Comfortline</th>
      <th style="width: 27.5%;">Leasing</th>
      <th style="width: 27.5%;">Financing</th>
    </tr>
  </thead>
  <tfoot>
      <tr>
        <th>Total savings</th>
        <th>-2'608 CHF</th>
        <th></th>
      </tr>
  </tfoot>
  <tbody>
     <tr>
       <th>Price of car</th>
       <td>25'000 CHF</td>
       <td>25'000 CHF</td>
     </tr>
     <tr>
       <th>Residual value</th>
       <td>9'000 CHF</td>
       <td>0</td>
     </tr>
     <tr>
       <th>Financing amount</th>
       <td>16'000 CHF</td>
       <td>25'000 CHF</td>
     </tr>
     <tr>
       <th>Duration in months</th>
       <td>48</td>
       <td>48</td>
     </tr>
     <tr>
       <th>Interest rate</th>
       <td>3.97%</td>
       <td>9.95%</td>
     </tr>
     <tr>
       <th>Monthly costs</th>
       <td>370 CHF</td>
       <td>628 CHF</td>
     </tr>
     <tr>
       <th>Total cost over the 48 months periode</th>
       <td>17'753 CHF</td>
       <td>30'160 CHF</td>
     </tr>
     <tr>
       <th>Total cost including the acquiring at the end</th>
       <td>26'753 CHF</td>
       <td>30'161 CHF</td>
     </tr>
     <tr>
       <th>Difference</th>
       <td>-3'408 CHF</td>
       <td></td>
     </tr>
     <tr>
       <th>Insurance *</th>
       <td>+800 CHF</td>
       <td></td>
     </tr>
 </tbody>
</table>
<i>* Insurance tend to be 200 CHF more expensive per year due to Full Casco</i>

In this example you save about 2'600 CHF over the total 48 month period. However, be careful of the hidden costs mentioned above.

Not sure what to do? Don’t hesitate to contact us for personal advice at <a href="tel:+41 44 461 13 44">+41 44 461 13 44</a> or email us at [info@gowago.ch](mailto:info@gowago.ch "Get more info"). If you need some more information on leasing in particular and why it could be good for you please check it [here](https://gowago.ch/en/blog/why-leasing "Why leasing?").

Ready to go? [Start the process](https://gowago.ch/en/deals/leasing "Get started") the process and apply online.


Which is right for you?-  Financing vs. Leasing vs. Buying

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