---
title: Leasing Rate
description: How is the leasing rate made up and what does it include?
---

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# Leasing Rate

## How is the leasing rate made up and what does it include?

The leasing rate, or leasing instalment, is the periodic payment made by the lessee to the leasing company or financial institution for the use of a leased vehicle. Mostly, it is paid on a monthly basis and remains fixed for the entirety of the lease (with certain exceptions, such as changes in the national VAT).

This rate is determined depending on the terms of the lease agreement. Typically, the leasing rate includes:

1. **Depreciation Cost**: This is a significant portion of the leasing rate and covers the vehicle's depreciation over the length of the lease. It's calculated as the difference between the car's initial value and its expected residual value at the end of the lease. The residual value is fixed in the contract.
2. **Interest:** This part of the leasing rate compensates the leasing company for the expense and risk involved in financing the vehicle. It's essentially the cost of borrowing money to lease the car.
3. **VAT:** Most private lease agreements include the value added tax (VAT).

In Full-Service or All-Inclusive leasing agreements, the monthly leasing rate can include:

- **Maintenance Packages**: Some leasing companies offer the option to include regular maintenance services, tyre changes, and other scheduled servicing, in the monthly payment.
- **Insurance**: Some leasing companies offer the option to bundle the obligatory fully comprehensive (full kasko) car insurance with the lease.

When opting for a gowago.ch All-in-one lease, it is possible to add multiple service such as insurance, maintenance, tyres, or taxes into the monthly payment. However, customers are invoiced their leasing rate (simply covering the actual lease) and the all-inclusive costs (insurance, maintenance, etc.) in two separate bills.

[Learn more about the gowago.ch All-in-one packages](https://gowago.ch/en/all-in-one)

***Synonym:** Leasing instalment, leasing payment, leasing invoice*

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