Why Leasing a Car Makes Sense
December 30, 2016
Marcin Kwoka, head of sales at Mercedes-Benz Polska Sp.z o.o., talks to the Voiceís Bartosz Grzybiński.
Lease plans have been a highly popular form of accessing goods and services in Europe, but not exactly so in Poland. What do you think is the reason?
It is mainly about the way Polish people think, I suppose. Under communism, private ownership was restricted for decades and it is only natural that Poles still have an insatiable desire to own things. This is especially true about property such as houses, apartments and cars. Another reason I can think of is that Polish people are conservative and used to traditional lifestyles, and that discourages them from moving house and changing jobs or habits.
But this is changing, isnít it?
It is indeed. Polish entrepreneurs first started changing their minds about leasing some 20 years ago, a few years after Poland converted to a market economy. But the interest in this way of utilizing things did not really take off until several years ago. I should mention that young Polish people these days think like other young Europeans and are keen to use all kinds of financing options that are out there.
As a pioneer on Polandís market for financial services, Mercedes-Benz Polska had an advantage over its competition from day one.
That is correct. Mercedes-Benz Leasing Polska Sp. z o.o. was established in 1996 as a branch of Daimler Financial Services. We are part of a team that has a worldwide reputation as a trustworthy provider of top-notch services. We have made an extensive use of our brandís experience on both the automotive and financial markets. Our financial products in Poland are available through a chain of 43 authorized dealerships located in practically every major city. Customers can contact any of our dealers directly to arrange all formalities related to lease contracts. They will obtain comprehensive information on their future car, insurance options and financing plans.
What products do you offer and to whom?
Our main target group is businessmen, of course. A short, two- or three-year car lease plan enables them to precisely lay out budgets pertaining to company cars. Such plans are available under our Lease & Drive program through which our customers canóbut do not have toóbuy the leased cars afterwards. We take a low initial fee of 5 percent of the carís value, followed by a monthly fee fixed at 1 percent of the carís gross price. That way, our customers do not need to put in their own money and pay any additional maintenance costs, especially as you can add maintenance and insurance costs to the monthly fee. For example, you can get to drive the latest Mercedes-Benz A-Class 160 at less than zl.900 a month and it is such figures that best speak to businessmen. We are flexible and able to provide every customer with a lease plan for any Mercedes-Benz model, tailored to suit whatever a given customer needs and can afford.
Our other target group is individual customers, including those in the liberal professions and foreigners temporarily residing in Poland. Our Credit & Drive program, supported by the Mercedes-Benz Bank, allows them all to use our products and services. The only difference is that the price of the car also includes VAT. In each case, we only need 24 hours to arrange all the paperwork for the lease contract. In other words, when you come to negotiate and sign your contract at one of our dealerships, you can pick up the Mercedes-Benz of your choice the very next day, complete with insurance and registration.