Uitleg

What is financial lease?

Business car lease with a buy-out option at the end

Laatst gecontroleerd: 24 May 2026

Financial lease is mainly for entrepreneurs and freelancers (zzp). You pay monthly for use of the car.

At the end you can often buy the car for a pre-agreed amount: the residual value (restwaarde).

It is different from private lease and from operational lease where you usually return the car.

Example (illustrative)

about € 520 per month

Car price € 35,000, 48 months, residual value € 12,000.

You pay interest and depreciation on the difference. Monthly cost often between € 450 and € 650 depending on rate and fees.

No linked data source in the registry. Do not treat amounts as official.

Needs review

MoneyScan uses these sources as the basis for the estimate on this page.

Source missing; link a registry entry in admin (Data sources).

Operational lease: you return the car. Financial lease: you often work toward ownership via the residual value.

Usually not. it is business-oriented. Private drivers often use private lease or a car loan.

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MoneyScan provides estimates based on published Dutch rules. Always check toeslagen.nl, Belastingdienst, or SVB. Not tax, legal, or mortgage advice.