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Old 25.06.2015, 15:36
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Car for newcomers

Hi
I'm moving to Luzern this summer and are now looking for a car.
As new in Switzerland, I understood that car loans from a bank is not possible, so I have to either get my company to loan me the money, or I can lease private.

Is it possible for someone who is new in Switzerland with a B license, to lease a car? And if so, does the dealership require a deposit when signing the contract? for example 10%

Have been looking at the BMW X5, and if I were to buy this it would cost me about 80,000 CHF. Do anyone know what this will cost per month with 3 year lease?
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Old 25.06.2015, 16:03
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Re: Car for newcomers

Deja vu





Deja vu
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Old 25.06.2015, 16:20
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Re: Car for newcomers

Many people that live in Swiss cities do not buy cars, they use the bus and tram or train. There is also www.mobility.ch/en
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Old 25.06.2015, 17:05
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Re: Car for newcomers

You can loan from the bank. Just got to have some payment (salary) slips ready to show. We did it to get my wifes car last time.
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Old 25.06.2015, 17:40
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Re: Car for newcomers

Why not saving some money in the first few months and then buying outright a car within your means?
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Old 25.06.2015, 22:50
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Re: Car for newcomers

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Why not saving some money in the first few months and then buying outright a car within your means?
wow you must have an incredible disposable income, most people need years to save the money

Anyway I wouldn't buy/lease immediately a car, I would at least take a look at what you need. Use the calculators for cost estimates.
Also it's true many people in cities do not buy cars, but just as many do, even though they may use it only during weekends or to go shopping, or maybe 1 car for a family of 4 instead of 5 like it is in ticino for example (but it's a necessity sadly).
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Old 25.06.2015, 23:15
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Re: Car for newcomers

While reading the first post I wondered how many posts it will take until some smart*ss comes up with some lame cr*p about not needing a car in Switzerland.

TWO!!!

Is that a new record?


Back on topic:

@OP: Are you looking for a new car? 80k will only get you a rather basic X5. I would probably look for a newish (1-2 years) used one with some warranty left or a warranty extension.
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Old 26.06.2015, 01:18
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Re: Car for newcomers

Do you actually need an X5?
Do you have a boat? A horse-trailer? A hytte in some remote mountain village (but AFAIK, the X5 is the least all-terrain SUV anyway)?
;-)
Have you seen the parking-lots here?

That said, there are loans for cars (really any kind of private purchases).

Assuming you will settle for two year old X5 for maybe 60k and finance 90% of that, Micgros-Bank will charge 5.9% interest on 54k, meaning 1636 per month over 36 months.
Resulting in almost 5k interest cumulated.
https://www.migrosbank.ch/de/privatp...t-rechner.html
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Old 26.06.2015, 08:37
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Re: Car for newcomers

X5 is classed as grass and gravel capable. . So same as every basic car.
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