Leasing

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  • Financial leaseThe price includes VAT. All VAT is included in the upfront payment; ownership transfers at the end.
  • Financial lease without VATFor a transaction where the seller does not charge VAT, such as a used vehicle bought from a private person.
  • Operating leaseVAT is added to the principal part of payments. At the end, return the vehicle or buy it if the agreement allows.
0200000
0%100%
or
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Residual value is the portion of the entered price not repaid through regular payments. A larger residual lowers the regular payment but raises interest. It is not paid on return; an optional buyout is shown separately.

0%100%
or
184

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How we calculate

For a standard financial lease, the calculator includes all VAT on the vehicle price in the upfront payment because the asset transfer is treated as a sale for VAT purposes. In the no-VAT mode, no tax is separated from the price. For an operating lease, VAT is added to each payment’s principal while separately stated interest is exempt. Full-service rental is not modelled.

Scenario: new standard 2026 transaction, VAT 24%. No historic advances, special schemes or input VAT recovery. Future payments assume the same rate; this is not a forecast of legislation.

Enter a percentage or an amount and the other field updates. The percentage uses the entered price; the last edited field remains authoritative when the price changes.

Residual value is the portion of the entered price not repaid through regular payments. A larger residual lowers the regular payment but raises interest. It is not paid on return; an optional buyout is shown separately.

EMTA · KäibemaksLiisingliit · Raamatupidamine ja käibemaks
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