Gotówka, leasing czy abonament? Którą formę finansowania auta wybrać?

  • Ostatnie miesiące roku to dla wielu kierowców najlepszy okres na kupno samochodu
  • Kluczową decyzją, oprócz wyboru auta, jest sposób jego finansowania.
  • Kierowcy mogą kupić auto za gotówkę, w kredycie samochodowym, abonamencie lub leasingu.

Zakup samochodu można obecnie sfinansować na kilka sposobów:

  1. Leasingiem – finansującym samochód jest firma leasingowa, która przekazuje klientowi (najczęściej przedsiębiorcy) prawo do korzystania z pojazdu na uzgodniony w umowie okres, w zamian za ustalone comiesięczne opłaty
  2. Abonamentem – umożliwia on stałe użytkowanie pojazdu za ustaloną z góry, a płaconą w systemie miesięcznym kwotę, bez konieczności kupowania samochodu na własność.
  3. Gotówką – ten sposób finansowania wymaga wcześniejszego skompletowania dużej sumy pieniędzy, aby móc od raz zapłacić pełną kwotę wartości auta.
  4. Kredytem – finansującym jest instytucja pożyczająca klientowi całą kwotę umożliwiająca zakup auta. Najczęściej wiąże się z wieloma formalnymi wymogami stawianymi przez kredytodawców.

Często spotykamy się z porównaniami abonamentu do leasingu. Z tym, że abonament to forma finansowania stworzona z myślą o konsumentach, a leasing jest rozwiązaniem adresowanym do firm. Ponadto w leasingu minimalnym okresem użytkowania auta są 24 miesiące. Natomiast w przypadku abonamentu umowa może zostać podpisana nawet tylko na rok – tłumaczy Grzegorz Grodecki, Dyrektor Zarządzający Master1.pl, sieci sprzedaży samochodów pokontraktowych należącej do Grupy Masterlease.

Jaki sposób finansowania dla klienta indywidualnego?

Ideą abonamentu jest rozkładanie dużych kosztów związanych z posiadaniem lub użytkowaniem auta na miesięczne raty. Zamiast płacić jednorazowo wysokie kwoty za kupno auta, jego ubezpieczenie lub przeglądy  serwisowe, kierowca płaci jedną, ustaloną miesięczną kwotę i nie musi martwić się o pozostałe koszty

W ramach abonamentu klient korzysta z samochodu, a po upływie okresu umowy może wymienić na kolejny – nowy lub używany. Do tego dochodzi pełen pakiet serwisowy, komplet opon zimowych wraz z wymianą i przechowywaniem i oczywiście ubezpieczenie. Dużym udogodnieniem jest możliwość zawarcia takiej umowy on-line oraz  jej rozwiązania i zwrócenia samochodu w okresie pierwszych dwóch tygodni jej trwania. Oznacza to, że klient może potestować wybrany samochód przez dwa tygodnie a następnie podjąć decyzję o kontynuacji umowy, zakupie za gotówkę lub wymianie na inny – dodaje Grzegorz Grodecki z Master1.pl

Przed podpisaniem umowy kierowca powinien określić szacowany roczny przebieg pojazdu. Do wyboru są elastyczne limity przejechanych kilometrów – od 20 000 do 40 000 km rocznie.

Jakie rozwiązanie dla przedsiębiorców?

Leasing to forma finansowania, która niesie za sobą kilka korzyści dla przedsiębiorców. Jedną z najważniejszych jest prawo do odliczenia podatku. Przedsiębiorca może zakwalifikować do kosztów uzyskania przychodów część odsetkową dotyczącą rat leasingowych. Ma też prawo do wprowadzenia samochodu do ewidencji środków trwałych i amortyzowania go w czasie. Warto mieć na uwadze, że zasady rozliczania samochodów firmowych ulegną zmianie wraz z początkiem 2019r.

Ponadto, odchodzą wszystkie formalności i koszty związane z ubezpieczeniem czy rejestracją pojazdu. W razie wypadku czy innego zdarzenia losowego wszelkie ewentualne koszty stają się zmartwieniem finansującego. W przypadku zakupu auta za gotówkę czy na kredyt, koszty te poniesie właściciel pojazdu. Podobnie jest w przypadku ewentualnej szkody całkowitej. Wciąż wielu kierowców nie ma świadomości, że ubezpieczenie AC uzupełnione o tzw. GAP w przypadku całkowitej szkody gwarantuje otrzymanie od ubezpieczyciela zwrot do wartości pierwotnej auta

Nawet jeżeli klient będzie miał samodzielnie zapłacić za ubezpieczenie leasingowanego auta, to może trafić na ciekawe promocje. Aktualnie może m.in. otrzymać ubezpieczenie auta na rok gratis. Jest to oszczędność sięgająca nawet kilku tysięcy złotych – dodaje Grzegorz Grodecki z Master1.pl

Na koniec obowiązywania umowy leasingowej kupujący ma możliwość decydowania, co stanie się z samochodem. Może je wykupić, negocjować z finansującym przedłużenie umowy lub odstąpić od wykupu i po prostu oddać auto.

214 Replies to “Gotówka, leasing czy abonament? Którą formę finansowania auta wybrać?

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