Decision Tree

Financial leasing is a type of leasing in which the customer pays the full value of the car in monthly installments and becomes the owner at the end of the lease term. During the leasing period, the customer fully covers the value of the car and pays interest. At the end of the financial lease term, the client receives a deed of termination of the covered liability and re-registers the asset in its own name. Private persons may conclude only financial leasing.

Operating leases are essentially long-term leases. During the lease period, the customer pays the rent based on the difference between the car's value at the time of purchase and its residual value at the end of the contract. In other words, the customer does not pay the full price of the car – only for its depreciation or amortization over the period of use.

At the end of the contract, the car does not become the customer's property – it is returned to the seller.