{"id":16499,"date":"2021-09-08T17:06:00","date_gmt":"2021-09-08T17:06:00","guid":{"rendered":"https:\/\/de-en.holman.com\/de-en\/?post_type=post&#038;p=8282"},"modified":"2024-01-10T21:56:16","modified_gmt":"2024-01-10T21:56:16","slug":"the-unspoken-secret-in-leasing-contracts-and-who-really-benefits-from-it","status":"publish","type":"post","link":"https:\/\/de-en.holman.com\/de-en\/resources\/the-unspoken-secret-in-leasing-contracts-and-who-really-benefits-from-it\/","title":{"rendered":"The Unspoken Secret in Leasing Contracts and Who Really Benefits From It"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>\t\t\n\t<section class=\"header-variation-section white\">\n\t<div class=''><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/div>\n\t\t<div class=\"variation-inner\">\n\t\t\t<div class=\"header-left\">\n\t\t\t\t<div class=\"header-left-inner\">\n\t\t\t\t\t<h5 class=\"headline-5\"><\/h5>\n\t\t\t\t\t<h1 class=\"page-title headline-1\">The Unspoken Secret in Leasing Contracts and Who Really Benefits From It<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"body-1\"><p>Holman Marketing<br \/>\nSeptember 8, 2021<\/p>\n<\/div>\n\t\t\t\t\t\t\t\t\t\t<div style=\"width:70%;display:flex;justify-content:space-between;flex-wrap:wrap;\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"header-right\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"header-right-image-one\" src=\"https:\/\/de-en.holman.com\/de-en\/wp-content\/uploads\/2022\/09\/Bermuda_BLOG_feature-1-350x200-1.jpg\" alt=\"A person working on a laptop\" >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<style>#holform-sub{margin-bottom: 0px !important;}<\/style>\n<style type=\"text\/css\">\n\t.header-variation-section .variation-inner .header-right{flex-basis:50%;}\n\t.header-variation-section .variation-inner .header-left{flex-basis:50%;}\n\t.noscroll{overflow:hidden !important;overflow-y:hidden !important;}\n#form-success, .form-success{height:100%;width:100%;display:none;}\n#success-container{display:flex;flex-direction:column;justify-content:center; margin:0 auto;text-align:center;height:100%;padding:40px;}\n#success-container a{font-weight:500;font-size:12px;color:#0069a7;margin:62px auto 0;text-decoration:none;border-bottom:2px solid #0069a7;}\n#success-container h2{margin:8px auto;color:#0069a7;font-size:24px;font-weight:500;}\n#success-container p{margin:8px auto;font-size:14px;font-weight:400;}\n#success-icon{max-width:60px;margin:0 auto;}\n.wpcf7 .wpcf7-spinner{display:none;}\n\t.noscroll{overflow:hidden !important;overflow-y:hidden !important;}\n\t.btn1.ghost{background-color:white;color:#0069A7;border:1px solid #0069A7;}\n\t.header-variation-section .video-box video-js{height:100%;}\n\n\t\t.btn1\n\t\t{\n\t\t\tbackground-color: #0069A7;\n\t\t\tbox-shadow: 0px 14px 23px rgba(0,0,0,0.08);\n\t\t}\n\n\t\t.btn1:hover\n\t\t{\n\t\t\tbackground-color: #2C9942 !important;\n\t\t\tcolor:white;\n\t\t}\n\n\t\t.btn2\n\t\t{\n\t\t\t background-color: transparent !important;\n\n\t\t\t color: #0069A7 !important; border: 2px solid #0069A7; \n\t\t}\n\n\t\t.btn2:hover\n\t\t{\n\t\t\t background-color: transparent !important;\n\t\t\t\/*background-color: #2C9942 !important;*\/\n\t\t\t color: #2C9942 !important;\n\t\t\tborder: 2px solid #2C9942; \n\t\t}\n\n\/* .header-variation-section .vjs-poster{background-size:cover;} *\/\n.header-variation-section .vjs-tech {\n  position:relative;height:auto;\\;\n}\n\/* .header-variation-section .video-js{\n\tdisplay:contents !important;\n} *\/\n.header-variation-section .video-js .vjs-control-bar{padding-left:45px;}\n\t\t.btn1\n\t\t{\n\t\t\tbackground-color: #0069A7 !important;\n\t\t}\n\t\t.btn1:first-child{margin-left:0;}\n\t\t.btn{box-shadow: 0px 14px 23px rgba(0,0,0,0.08);}\n\t\t\n.btn.ghost{background-color:white !important;border:1px solid #0069A7;color:#0069A7 !important;}\n.btn:hover{background-color:#2C9941 !important; color:white !important; border:none !important}\n.ghost:hover{background-color:#2C9941 !important; color:white !important; border:none !important}\n\/* .header-variation-section .variation-inner .header-right .cloudflare-video{height:61% !important;} *\/\n.header-variation-section .variation-inner .header-right:has(.cloudflare-video){margin-top:auto;margin-bottom:auto;}\n\n\t\t@media (max-width: 575px)\n\t\t{\n\t\t\t.header-right{flex-basis:98% !important;margin:0 auto;border-bottom-left-radius:0px !important;}\n\t\t\t.btn1 {width: 100% !important; margin-top: 20px !important;}\n\t\t\t.btn2{margin-left:0px !important; width: 100% !important; margin-top: 20px !important;}\n\t\t\t.header-variation-section .variation-inner .header-right{flex-basis:100%;}\n\t.header-variation-section .variation-inner .header-left{flex-basis:100%;}\n\t\t}\n\n\t<\/style>\n\t<\/section>\n\t\n\n\n\n    <section class=\"wysiwyg\" id=\"\">\n        <div class='inner'>\n            <p>Insurance contracts, equity funds, terms and conditions \u2013 oftentimes, there is profit to be had when things are so complicated that the customer simply accepts the conditions. Parallels can sometimes be seen in closed-end leasing contracts. Take tacit extensions, for example.<\/p>\n<p>A tacit extension on a closed-end contract occurs when you use your leased vehicle longer than originally agreed. This is usually for a good <a href=\"https:\/\/www.holman.com\/de-en\/resources\/blogs\/five-reasons-for-greater-flexibility-in-fleet-management\" target=\"_blank\" rel=\"noopener\">reason<\/a>, such as if your next vehicle has not yet been delivered or plans have changed. Using tacit extensions is convenient, and they are therefore touted as superior service. But is this service really so altruistic? Here\u2019s how it works.<\/p>\n<p>For a lessor who has agreed to a closed-end contract, there is hardly anything better. Why? The leasing rate usually continues at the same level, but the car loses much less value at the end of the term. In practical terms, this means that in the end, the lessor can sell the vehicle at a higher profit. The longer the tacit renewal, the higher the profit. Calculating this is not exactly easy. Our sample calculation below uses a real example with real final billing figures and presents the results in a simplified manner.<\/p>\n<p>In our example, the vehicle had to be used longer than agreed, even after a contract adjustment. The cost of the &#8220;tacit renewal&#8221; for 2.73 months: \u20ac 1,119. In these months, however, the vehicle has depreciated by only<br \/>\n\u20ac 350. So, what happens to the difference? It belongs to the lessor.<\/p>\n<p>Our tip: Do the math. There are also forms of financing in which this effect reduces your financing costs and does not increase the profit of the lessors. We will be happy to <a href=\"https:\/\/de-en.holman.com\/de-en\/contact-us\/\">advise<\/a> you.<\/p>\n        <\/div>\n    <\/section>\n\n\n\n\n\n\n\n\n\n\n\t\t\t<section class=\"content-feature-three\" id=\"\">\n\t\t\t<div class=\"inner\">\n\t\t\t\t<div class=\"feature-imgbox-mobile\"><img decoding=\"async\" src=\"\" alt=\"\" \/><\/div>\n\t\t\t\t<div class=\"content-feature-sec\">\n\t\t\t\t\t<div class=\"content-feature-content\">\n\t\t\t\t\t\t<div class=\"headline-4\"><\/div>\n\t\t\t\t\t\t<div class=\"feature-imgbox\"><img decoding=\"async\" src=\"\" alt=\"\" \/><\/div>\n\t\t\t\t\t\t<div class=\"feature-btn\">\n\t\t\t\t\t\t\t<a class=\"btn\" href=\"\" download=\"\">\n\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\t\n\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"icon\" src=\"https:\/\/de-en.holman.com\/de-en\/wp-content\/themes\/holman\/assets\/images\/white-download.svg\" \/>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\n\n\n\n    <section class=\"uberflip-embed\" id=\"\">\n                    <style>\n                \/* Import Poppins font *\/\r\n@import url('https:\/\/fonts.googleapis.com\/css2?family=Poppins:ital,wght@0,100;0,200;0,300;0,400;0,500;0,600;0,700;0,800;0,900;1,100;1,200;1,300;1,400;1,500;1,600;1,700;1,800;1,900&display=swap');\r\n\r\n#uberflip-tiles.hubs-embedded *:not(.fa):not(.fas) {\r\n   font-family: 'Poppins', sans-serif !important;\r\n}\r\n\r\n\/* Text rendering *\/\r\n#uberflip-tiles.hubs-embedded *,\r\n#uberflip-tiles .ufev * {\r\n   -webkit-font-smoothing: antialiased;\r\n   -moz-osx-font-smoothing: grayscale;\r\n   text-rendering: auto;\r\n}\r\n\r\n\/* Hide the clearfix styling to fix the grid layout *\/\r\n#uberflip-tiles.hubs-embedded .clearfix::after,\r\n#uberflip-tiles.hubs-embedded .clearfix::before {\r\n   display: none;\r\n}\r\n\r\n\/* Stream container *\/\r\n#uberflip-tiles.hubs-embedded {\r\n   max-width: 1768px !important;\r\n   width: 100% !important;\r\n}\r\n\r\n\/* Tile container using Grid *\/\r\n#uberflip-tiles.hubs-embedded ul {\r\n   display: grid;\r\n   grid-column-gap: 20px;\r\n   grid-row-gap: 20px;\r\n   grid-template-columns: repeat(3, minmax(316px, 1fr));\r\n   grid-template-rows: 711px;\r\n   justify-content: center;\r\n   margin-right: 0 !important;\r\n}\r\n\r\n\/* - Tablet breakpoint *\/\r\n@media (max-width: 1023px) {\r\n   #uberflip-tiles.hubs-embedded ul {\r\n      grid-column-gap: 27px;\r\n      grid-template-columns: repeat(3, minmax(221px, 1fr));\r\n      grid-template-rows: 533px;\r\n   }\r\n}\r\n\r\n\/* - Mobile breakpoint *\/\r\n@media (max-width: 767px) {\r\n   #uberflip-tiles.hubs-embedded ul {\r\n      grid-column-gap: 20px;\r\n      grid-row-gap: 40px;\r\n      grid-template-columns: repeat(auto-fit, minmax(316px, 1fr));\r\n      grid-template-rows: 559px;\r\n      justify-items: center;\r\n      margin: 0 auto !important;\r\n   }\r\n}\r\n\r\n\/* - Small mobile devices breakpoint *\/\r\n@media (max-width: 374px) {\r\n   #uberflip-tiles.hubs-embedded ul {\r\n      grid-column-gap: 27px;\r\n      grid-row-gap: 40px;\r\n      grid-template-columns: repeat(auto-fit, minmax(221px, 1fr));\r\n      grid-template-rows: 559px !important;\r\n   }\r\n}\r\n\r\n\/* Tile wrapper styling *\/\r\n#uberflip-tiles.hubs-embedded .tile {\r\n   box-shadow: none !important;\r\n   height: 711px !important;\r\n   margin: 0 !important;\r\n   transition: none;\r\n   width: 100% !important;\r\n}\r\n\r\n\/* - Tablet breakpoint *\/\r\n@media (max-width: 1023px) {\r\n   #uberflip-tiles.hubs-embedded .tile {\r\n      height: 533px !important;\r\n   }\r\n}\r\n\r\n@media (max-width: 767px) {\r\n   #uberflip-tiles.hubs-embedded .tile {\r\n      height: 559px !important;\r\n      max-width: 316px;\r\n   }\r\n}\r\n\r\n@media (max-width: 374px) {\r\n   #uberflip-tiles.hubs-embedded .tile {\r\n      max-width: 221px;\r\n   }\r\n}\r\n\r\n\/* Thumbnail sizing *\/\r\n#uberflip-tiles.hubs-embedded .tile .img {\r\n   aspect-ratio: 288 \/ 185;\r\n   border-radius: 0 0 0 56px !important;\r\n   height: auto !important;\r\n   overflow: hidden !important;\r\n   position: relative !important;\r\n   transition: none !important;\r\n   width: 100%;\r\n}\r\n\r\n\/* - Tablet breakpoint *\/\r\n@media (max-width: 1023px) {\r\n   #uberflip-tiles.hubs-embedded .tile .img {\r\n      border-radius: 0 0 0 39px !important;\r\n   }\r\n}\r\n\r\n\/* - UF mobile breakpoint *\/\r\n@media (max-width: 979px) {\r\n   #uberflip-tiles.hubs-embedded .tile .img {\r\n      height: auto;\r\n   }\r\n}\r\n\r\n\/* - Mobile breakpoint *\/\r\n@media (max-width: 767px) {\r\n   #uberflip-tiles.hubs-embedded .tile .img {\r\n      border-radius: 0 0 0 23px !important;\r\n   }\r\n}\r\n\r\n\/* Thumbnail zoom on hover *\/\r\n#uberflip-tiles.hubs-embedded .img img {\r\n   height: 100% !important;\r\n   min-height: unset;\r\n   -o-object-fit: cover;\r\n   object-fit: cover;\r\n   transition: transform 0.3s ease;\r\n}\r\n\r\n#uberflip-tiles.hubs-embedded .tile.single:hover .img img {\r\n   transform: scale(1.083102493074792);\r\n}\r\n\r\n\/* Tile copy container styling *\/\r\n#uberflip-tiles.hubs-embedded .tile.single .description {\r\n   border-top: none;\r\n   height: auto !important;\r\n   padding: 43px 0 0 !important;\r\n   position: relative !important;\r\n}\r\n\r\n\/* - Tablet breakpoint *\/\r\n@media (max-width: 1023px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single .description {\r\n      padding: 15px 0 0 !important;\r\n   }\r\n}\r\n\r\n\/* - Mobile breakpoint *\/\r\n@media (max-width: 767px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single .description {\r\n      padding: 39px 0 0 !important;\r\n   }\r\n}\r\n\r\n\/* Front-end tagging styling *\/\r\n#uberflip-tiles.hubs-embedded .ob-custom-label-container {\r\n   margin-bottom: 10px;\r\n}\r\n\r\n#uberflip-tiles.hubs-embedded .ob-custom-label {\r\n   color: #005897;\r\n   font-size: 20px;\r\n   font-weight: 400;\r\n   line-height: 30px;\r\n   text-transform: uppercase;\r\n}\r\n\r\n\/* - Tablet breakpoint *\/\r\n@media (max-width: 979px) {\r\n   #uberflip-tiles.hubs-embedded .ob-custom-label {\r\n      font-size: 16px;\r\n      line-height: 23px;\r\n   }\r\n}\r\n\r\n\/* Tile title styling *\/\r\n#uberflip-tiles.hubs-embedded .tile.single .description h3,\r\n#uberflip-tiles.hubs-embedded .tile.single:hover .description h3 {\r\n   color: #002445 !important;\r\n   font-size: 25px !important;\r\n   font-weight: 500 !important;\r\n   line-height: 35px !important;\r\n   margin: 0 0 12px !important;\r\n}\r\n\r\n\/* - Tablet breakpoint *\/\r\n@media (max-width: 1023px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single .description h3 {\r\n      font-size: 22px !important;\r\n      font-weight: 400 !important;\r\n      line-height: 32px !important;\r\n      margin: 0 0 10px !important;\r\n   }\r\n}\r\n\r\n\/* - Mobile breakpoint *\/\r\n@media (max-width: 767px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single .description h3 {\r\n      color: #005897;\r\n      font-size: 24px !important;\r\n      line-height: 34px !important;\r\n   }\r\n}\r\n\r\n\/* - Small mobile devices breakpoint *\/\r\n@media (max-width: 374px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single .description h3 {\r\n      -webkit-box-orient: vertical;\r\n      display: -webkit-box;\r\n      -webkit-line-clamp: 4;\r\n      overflow: hidden;\r\n   }\r\n}\r\n\r\n\/* Tile description styling *\/\r\n#uberflip-tiles.hubs-embedded .tile.single.with-img .description h4.long-h3 {\r\n   color: #939598;\r\n   display: block !important;\r\n   font-size: 16px !important;\r\n   font-weight: 400 !important;\r\n   letter-spacing: 0.24px;\r\n   line-height: 26px !important;\r\n   margin-top: 0 !important;\r\n}\r\n\r\n#uberflip-tiles.hubs-embedded .tile.single .description h3+h4 {\r\n   margin-left: 0 !important;\r\n   margin-right: 0 !important;\r\n}\r\n\r\n\/* - Tablet breakpoint *\/\r\n@media (max-width: 1023px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single.with-img .description h4.long-h3 {\r\n      color: #002445 !important;\r\n   }\r\n}\r\n\r\n\/* - Small mobile devices breakpoint *\/\r\n@media (max-width: 374px) {\r\n   #uberflip-tiles.hubs-embedded .tile.single.with-img .description h4.long-h3 {\r\n      -webkit-box-orient: vertical;\r\n      display: -webkit-box;\r\n      -webkit-line-clamp: 4;\r\n      overflow: hidden;\r\n   }\r\n}\r\n\r\n#uberflip-tiles.hubs-embedded .tile.single>a {\r\n   background: none !important;\r\n}\r\n\r\n\/* Tile content label styling *\/\r\n#uberflip-tiles.hubs-embedded .tile a.view {\r\n   background: #005897;\r\n   background-color: #005897 !important;\r\n   background-image: unset;\r\n   border-top: none !important;\r\n   color: #fff !important;\r\n   display: inline-block !important;\r\n   font-size: 14px !important;\r\n   font-weight: 400;\r\n   height: 60px !important;\r\n   letter-spacing: 0.21px !important;\r\n   line-height: 20px !important;\r\n   margin: 0;\r\n   padding: 20px 40px !important;\r\n   text-decoration: none !important;\r\n   text-transform: uppercase;\r\n   width: max-content !important;\r\n}\r\n\r\n\/* - Tablet breakpoint *\/\r\n@media (max-width: 1023px) {\r\n   #uberflip-tiles.hubs-embedded .tile a.view {\r\n      height: 50px !important;\r\n      line-height: 22px !important;\r\n      padding: 13px 33px !important;\r\n   }\r\n}\r\n\r\n\/* - Mobile breakpoint *\/\r\n@media (max-width: 767px) {\r\n   #uberflip-tiles.hubs-embedded .tile a.view {\r\n      padding: 20px 40px;\r\n   }\r\n}\r\n\r\n#uberflip-tiles.hubs-embedded .tile.single>a.view::before {\r\n   display: none;\r\n}\r\n\r\n#uberflip-tiles.hubs-embedded li.tile.single:hover>a.view {\r\n   background-color: #368930 !important;\r\n}\r\n\r\n\/* - Remove default icon - *\/\r\n#uberflip-tiles.hubs-embedded .tile.single>a.view {\r\n   background-image: none;\r\n}\r\n\r\n\/* - Replace default arrow - *\/\r\n#uberflip-tiles.hubs-embedded .tile.single>a.view:after {\r\n   background: url('data:image\/svg+xml;utf8,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20width%3D%2211.207%22%20height%3D%225.707%22%20viewBox%3D%220%200%2011.207%205.707%22%3E%0A%20%20%3Cg%20id%3D%22arrow%22%20transform%3D%22translate(0%20-1)%22%3E%0A%20%20%20%20%3Cpath%20id%3D%22Union%22%20d%3D%22M9.293%2C3.354%2C7.646%2C5l.707.707%2C2.5-2.5.354-.354L10.854%2C2.5%2C8.354%2C0%2C7.646.707%2C9.293%2C2.354H0v1Z%22%20transform%3D%22translate(0%201)%22%20fill%3D%22%23fff%22%2F%3E%0A%20%20%3C%2Fg%3E%0A%3C%2Fsvg%3E%0A') center right no-repeat !important;\r\n   content: ' ';\r\n   display: inline-block;\r\n   height: 12px;\r\n   margin-left: 12px;\r\n   position: relative;\r\n   right: unset;\r\n   top: unset;\r\n   width: 12px;\r\n}\r\n\r\n\/* UF Viewer Font *\/\r\n.ufev {\r\n   font-family: 'Poppins', sans-serif !important;\r\n}\r\n\r\n\/* UF Viewer Expanded 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ufRecoEmbedViewerConfig = {\r\n      'base': 'https:\/\/flipbot.uberflip.com\/',\r\n      'open_in': 'self',\r\n      'open_in_mobile': 'new',\r\n      'logo': '',\r\n      'embed_id': 'uberflip-tiles',\r\n      'cta_label': '',\r\n      'cta_url': '',\r\n      'max_per_row': 3,\r\n      'hub_id': 128890,\r\n      'auto_link': false,\r\n      'debug': false\r\n   };\r\n   jQuery.when(jQuery.getScript(ufRecoEmbedViewerConfig.base + 'widgets\/reco-embed-viewer\/uf-reco-embed-viewer.min.js')).done(function() {\r\n      ufRecoEmbedViewer.init(ufRecoEmbedViewerConfig);\r\n   });        <\/script>\n    <\/section>\n\n\n","protected":false},"excerpt":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time: <\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label 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