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.
Veelgestelde vragen
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 and our internal data tables. Amounts and eligibility rules can change. Always check official sources such as toeslagen.nl, Belastingdienst (Tax Administration), or SVB before making decisions. This is not tax or legal advice.