Free tool
Car loan & leasing payment calculator (Greece)
Compare a loan and a lease for the same car. See the monthly payment, total cost and interest before you speak to the bank or leasing company.
Official ratesRates checked: 2026-10-18
Monthly loan payment
€406.49
| Loan: monthly | €406.49 |
| Loan: total interest | €4,389 |
| Loan: rate incl. levy | 8.1% |
| Lease: monthly | €331.72 |
| Lease: residual | €8,750 |
| Lease: total paid | €24,903 |
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How it’s calculated
- Payment uses the standard annuity formula (fixed instalments).
- For consumer loans you can add the Law 128/75 levy (0.6%) to the rate.
- Leasing: payment with a residual (balloon) value at the end. Lease rentals carry 24% VAT.
- Your offer’s real APR includes fees and insurance. Use this for comparison.
Sources
Last checked: 2026-10-18. Results are for information only and are not tax advice.
FAQ
What is the residual value?
The amount left at the end of the lease that you pay if you want to keep the car.
Which is cheaper?
It depends on the rate, VAT, business tax deductions and resale value. This comparison is cash-flow only.
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