Equipment: lease vs buy

Device price + lease rate → monthly payment and overpayment

Input

Equipment price, UAH

Lease rate %/yr

Lease term, years

Down payment %

Device revenue/mo, UAH

Comparison

revenue covers payment

22 186 ₴/mo

Lease overpayment: 158 689 ₴
Financed: 640 000 ₴
Payback (revenue): 13,3 mo

Leasing 12–18% annually, down payment 10–30%. 3-year overpayment ~20–30%. The device must generate more than the payment from month one — otherwise a deferred purchase or conservative scenario.