Equipment leasing vs loan

payment and full cost of two financing schemes

Parameters

Equipment cost, ₴

Down payment, %

Term, months

Lease rate, %

Loan rate, %

Residual value (lease), %

Comparison

Down payment100 000,00 ₴

Lease payment/mo11 962,00 ₴

Loan payment/mo15 276,00 ₴

Lease total (incl. buyout)580 638,00 ₴

Loan total649 943,00 ₴

Differencelease cheaper by 69 304,00 ₴

Leasing often gives a lower payment via residual value and tax benefits for businesses (lease payments as deductible expenses). But you own the equipment only after buyout. Compare full cost, not just the payment.

About Equipment leasing

Equipment leasing — leasing vs loan — payment and full cost. Finance: Personal finance management. Use our tools without registration or installing software. All calculations happen in your browser — your data is never sent to a server.