Insurance costs for the SEAT Ibiza KJ 1.0 TSI Beats Fast Lane DSG (7-Gang) are quite reasonable at around 64 € per month, especially for drivers with a high no-claims class.
The monthly tax is only 8 due to the CO2 pricing introduced in 2021, which takes more account of environmentally harmful emissions. The average depreciation of the SEAT Ibiza KJ 1.0 TSI Beats Fast Lane DSG (7-Gang) over a useful life of 5 years is 279 € per month. On average, the SEAT Ibiza KJ 1.0 TSI Beats Fast Lane DSG (7-Gang) trades for 24833 €, the offered vehicle has a gross list price of 27765 €.
The lease payment is 333 € per month for a term of 48 months, so it is an average-priced offer. Can we still talk about a leasing deal for the SEAT Ibiza? 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.
Leasing rates / 48 months
15.984,00 €
Transfer / Approval
0,00 €
Total cost
15.984,00 €
Total cost
15.984,00 €
Runtime
48 Months
Leasing rate
333,00 €
(279,83 € netto)
Effective leasing rate
333,00 €
(279,83 € netto)
Bruttolistenpreis
27.765,00 €
Leasing factor
1.2
Effective leasing rate
1.2
The costs per kilometer are decisive in kilometer leasing, especially if they have to be borne privately. With a monthly leasing rate of 333 €, the SEAT Ibiza KJ 1.0 TSI Beats Fast Lane DSG (7-Gang) 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 48 months at the most favorable lease price . With the SEAT Ibiza, the monthly vehicle tax is very low at 8 €. The cost of operating the vehicle, a combustion engine, i.e. the cost of fuel (and for diesel additionally Adblue). are average 124 € monthly. In addition, there are insurance costs of 64 € per month, which is quite a low amount but of course mainly due to the low gross list price (27765 €) and the vehicle size. 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 0.4 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 48 months).
Costs p.a. (excl. leasing)
11.856,00 €
Fixed operating costs
11.856,00 €
Lease payments Total
15.984,00 €
Total cost
27.840,00 €
Total kilometers
39.984,00
Cost / Km (only leasing)
0,40 €
Cumulative total cost / Km
0,40 €
∅ Cost / km
0,27 €
Leasing factor
0.87
from199,00 €
∅ Cost / km
0,28 €
Leasing factor
0.94
from215,66 €
∅ Cost / km
0,23 €
Leasing factor
0.61
from153,51 €