The insurance costs for the KIA Niro DE e- (64 kWh) Spirit are quite expensive at around 147 € per month and the costs for novice drivers are likely to be quite a bit higher.
As a result of the tax benefits for electric cars, the vehicle tax will no longer apply until December 31, 2025. On average, the KIA Niro DE e- (64 kWh) Spirit trades for 44790 €, the offered vehicle has a gross list price of 36690 €.
Did you know? Immediately available vehicles like this one are usually a bit more expensive than order vehicles, because here the dealer calculates a surcharge for the storage / display of the vehicle into the offer.
The lease payment is 389 € per month for a term of 60 months, so it is an average-priced offer. Can we still talk about a leasing deal for the KIA Niro? The decisive factor is the leasing factor, which is calculated by dividing the leasing rate by the gross list price.
The monthly leasing instalment must also be supplemented by the ancillary costs, e.g. transfer and registration. With this offer, however, nothing more is added in this respect. If you divide the total costs (leasing costs + fixed costs = 46992 €) by the number of months (48 months in this offer), you get the monthly effective costs. If you then divide this amount by the gross list price of 95390 €, you get the leasing factor. This KIA Niro gives an effective leasing factor of 1.06, so it's a rather expensive leased vehicle. A leasing comparison with other deals is worthwhile.
Leasing rates / 60 months
23.340,00 €
Transfer / Approval
0,00 €
Total cost
23.340,00 €
Total cost
23.340,00 €
Runtime
60 Months
Leasing rate
389,00 €
(326,89 € netto)
Effective leasing rate
389,00 €
(326,89 € netto)
Bruttolistenpreis
36.690,00 €
Leasing factor
1.06
Effective leasing rate
1.06
The costs per kilometer are decisive in kilometer leasing, especially if they have to be borne privately. With a monthly leasing rate of 389 €, the KIA Niro DE e- (64 kWh) Spirit is already somewhat expensive anyway. When calculating the costs per kilometer, however, a distinction should still be made between a rather short leasing period (2 - 3 years) and a longer one (4 - 6 years). For simplicity, we ignore this difference in the following calculation example and assume a lease term of 60 months at the most favorable lease price . Since the KIA Niro is still tax-advantaged up to and including 2025, the motor vehicle tax does not apply until then. The cost of operating the vehicle, an electric car, so the cost of electricity. amount to just 92 € monthly, as the vehicle is very economical. Added to this are insurance costs of 147 € per month, which are thus quite higher, but this should not be surprising given a gross list price of 36690 €. A plus point with this offer: There are no transfer / registration costs to one. The final assessment of this offer: Due to the high cost per kilometer in the amount of 0.47 EUR, and the high effective leasing factor, we can unfortunately not make a recommendation for this offer.
The previous costs are now summed and divided by the number of inclusive kilometers (10000 km multiplied by the term 60 months).
Costs p.a. (excl. leasing)
19.500,00 €
Fixed operating costs
19.500,00 €
Lease payments Total
23.340,00 €
Total cost
42.840,00 €
Total kilometers
49.980,00
Cost / Km (only leasing)
0,47 €
Cumulative total cost / Km
0,47 €
∅ Cost / km
0,30 €
Leasing factor
1.04
from249,00 €
∅ Cost / km
0,27 €
Leasing factor
0.87
from209,90 €
∅ Cost / km
0,22 €
Leasing factor
0.51
from149,00 €