Machinery leasing vs buy

Down payment + installments + buyout vs purchase price

Terms

Machine price, UAH

Down payment, %

Lease rate, %/yr

Term, years

Agri-leasing: down payment 20–30%, rate ~20–25%/yr in UAH (state programs subsidize part — 'affordable leasing 5-7-9' for farms). Leasing costs more than buying but doesn't need the full sum upfront + VAT in payments. Compare full cost: down payment + all installments + buyout. Add lessor fees separately.

Comparison

Down payment: 750 000 грн
Payment/mo: 70 889 грн
Total cost: 4 152 656 грн
Overpayment: 1 152 656 грн (38%)