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When using leasing the registration charge for a vehicle can bedividedintoparts

При использовании лизинга регистрационный сбор за автомобиль можно разделить на части

With the introduction of the new avtonalog many may find themselves with the choice: continue to drive the old car or, despite the additional costs, purchase a new one. About how to best do things and how to

optimize the costs, the leader of Citadele Leasing. Car. Illustrative frame. Car. Illustrative frame. Photo: Shutterstock

With the introduction of the new Autonalog many may find themselves with a choice: continue to ride on the old car or, despite the additional expenses, purchase

anew one. How to do the best thing and how to optimize the costs, the leader of Citadele Leasing spoke.

According to a survey conducted by Citadele Bank at the end of last year, 6% of respondents in Estonia plan to purchase a car in 2025 year. “Of course, not everyone who makes such plans will ultimately purchase, but this number is more or less consistent with the statistics of sales of cars. “It doesn’t seem that the automotive has significantly influenced the wants and needs of people,” Rainer Moppel, head of Citadele Leasing said.

He estimates that in 2025 the volume of automobile sales will always decrease: “Those who planned to replace the vehicle in the nearest time have done that as earlier as at the end of last year, to save on the registration tax. Comparing with 2024 year it is expected that sales of new light vehicles will decrease by approximately 20 percent, because at the end of last year the cars were buying very much.”

Those whoplanning to purchase a car, may be wondering whether now is the right time, especially especially in view of the recently implemented registration fee. “For many people, a automobile is a necessity, for example, for those who live in rural locations or in areas with poor transportation connections. When deciding to purchase a vehicle or replace an old one, it is critical to evaluate the situation. It is definitely unwise to continue driving a very old or dysfunctional vehicle – it causes unreasonably high repair costs, and sell such a machine later will be much more difficult. Worst case scenario is that you could even put yourself and other people at danger, Moppel said.

Including a registration charge in leasing allows for allocation of costs

How is it wiser to allocate the costs in related to the purchase of avehicle? One of the options is to use an existing car as the first payment for a new car. “If you want that, it is to contact a car dealership and request a offer. Often create the impression that it will become more affordable to sell a car if you do it yourself. But in practice many many do not consider the time to demonstrate the car to potential buyers, and the sales process can become a headache. A car dealership takes all of those concerns for themselves,

Moppel explained.

According to Moppel, one of the most common misconceptions about the registration fee is that it must be paid when you purchase a vehicle: “It scares people. They think they will have to pay immediatelyadditional 1000 1000 euros”.

In the same same deal, whether the registration charge can be included in monthly leasing payments, as, say, winter tires, carpets or other additional equipment, thereby distributing their payment by month. In this case the registration fee is added to the cost of the vehicle, and when registering the vehicle the automobile dealership pays it for the buyer.

How much will the monthly payment increase when including the registration fee into leasing? All depends on the specific vehicle and its characteristics. For example, the registration charge for the popular in Estonia Škoda Octavia 1.5 TSI m-Hybrid 110kW with automatic transmission is from 705 to 785 euros.

With an initial first contribution of ten percent and residual value of 35 percent the monthly payment will increase by approximately eight euros. For the Model Škoda Kodiaq 1.5 TSI 110kW with front drive the registration charge is from 1375 to 1893 euros, that when including it in the leasing will add to the monthly payment about 19 euros.

Another popular among Estonian people the Toyota RAV4, the registration charge is in average 1200 euros, that in leasing increases the payment by approximately 16 euros per month. For Toyota Corolla these amounts are 670 euros and from seven to eight euros respectively. “The exact figures are meaningdependentontheleasingconditionsandtheoptionsselected,”Moppel added.

“Togetherwiththereisalwaystheopportunitytopaytheregistrationfeeimmediately,inonepayment.Inthiscasenointerest,notaxonturnover.Whentakingadecision,itisdecidedshould be taken into account:ifit is notpossibleorwillingtopaythe entireamountoftheregistrationfee,itcanbeallocatedoveralongerperiodandalwaysgettheneededsafeandwarrantynewvehicle,” saidRainerMoppel, head ofCitadeleLeasing.

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