Residual value leasing » Offers, explanations & benefits | Porsche Bank

What is residual value leasing?

With residual value leasing, both the monthly leasing rate and the overall charge are reduced by the personal contribution. You are able to control the amount of the instalments yourself via the term and the calculated residual value. Discover all the options and advantages.

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The residual value leasing variants of Porsche Bank at a glance

Residual value leasing with deposit

Low overall costs and open options at the end of the contract.

The deposit contributed by you reduces the financing volume - meaning that you don’t pay any interest on this amount. This minimises the financing costs.

The deposit is retained in full throughout the entire term. After the end of contract, you can take it with you into a new leasing contract or use it to purchase the car.

Residual value leasing with early refundable deposit

Low monthly charge.

The early refundable deposit is distributed across the months of the term. Each month, part of the early refundable deposit is used to reduce your fee. In addition, you also benefit from the attractive interest rate on the early refundable deposit. At the end of the term, the deposit is used up. In the event of premature termination of the contract or theft/total loss, the early refundable deposit is still available to a proportionate extent.

Residual value leasing with down payment

The option for NoVA beneficiaries.

The downpayment reduces the calculation basis for the monthly leasing charge. Since you are able to reclaim the downpayment from the tax office in the amount of the NoVA, no financing costs apply to the NoVA. As a result, the monthly lease is considerably reduced.

With this personal contribution option, a maximum of 30% of the base price may be paid with the downpayment.

Deposit leasing

Ideal if you want to purchase the car.

You pay the capital resources that you wish to spend on the car at the start of the term as a deposit. During the term, you finance the difference between the acquisition value of the car and the deposit paid by you.

At the end of the contract, your deposit is still available in full. Then, once you pay 20% VAT on the deposit, the car belongs to you.

Alternatively, you can also take the deposit with you into a new financing arrangement. No matter what you decide, with this option you benefit from the lowest possible overall costs.

Your benefits with residual value leasing

Individual configuration options

  • Set up your leasing contract entirely in line with your expectations - leaving plenty of wiggle room for other plans.

  • We adjust the offer with regard to term, mileage and, if desired, the personal contribution.

Realistic residual values

  • With over 50 years of experience, we offer you the assurance of residual values in line with the market.

  • No surprises at the end of the contract term.

Predictable budget

  • You can choose between variable or fixed interest rates.

  • Consequently, you benefit from precisely predictable expenditures.

  • This allows you to calculate your leasing expenses in a specific manner.

Flexible end of contract

  • Exchange the car or continue leasing it.

  • You decide what happens to your fleet at the end of the contract.

Frequently asked questions about residual value leasing

Residual value leasing

Porsche Bank's experts assess the residual value of your leased vehicle based on the agreed mileage and term in line with current market conditions. Our experience as a market leader enables a realistic residual value estimate.

If the intensity of use is as agreed and the market develops as expected, Porsche Bank's professional liquidation structures ensure the lowest possible residual value risk for the customer and a smooth end to the contract.

A residual value leasing contract can be terminated by you in writing at any time. The difference between the termination value and the used car proceeds will be settled with you.

Ongoing operating costs, such as comprehensive and liability insurance, engine-related insurance tax, maintenance and repair costs. The statutory contract and handling fee is incurred upon conclusion of the contract.

When the contract expires, return the vehicle to the dealer who delivered it. He/she will be happy to advise you on the exchange of the vehicle and the conclusion of a new contract. If you wish to continue using your vehicle, you can simply continue the leasing contract.

Wear and tear and accident repairs are taken into account in the final contract settlement, unless they are covered by a maintenance contract or comprehensive insurance. Deviations from the agreed mileage are included in the final settlement.

For contracts concluded with fixed interest rates, nothing changes until the end of the contract.

Contracts with variable interest rates are adjusted. The 3-month EURIBOR serves as the basis for calculation. If this changes by more than 0.25% points, the fee will be adjusted as of the first of the month of the following quarter.