{"id":347,"date":"2018-03-20T12:00:49","date_gmt":"2018-03-20T10:00:49","guid":{"rendered":"https:\/\/atleaseprod.wpengine.com\/leasing\/?p=347"},"modified":"2021-03-03T15:27:05","modified_gmt":"2021-03-03T13:27:05","slug":"mitka-ovat-yksityisleasingin-ja-tos-kaupan-erot","status":"publish","type":"post","link":"https:\/\/atleaseprod.wpengine.com\/leasing\/yksityisleasing-artikkeli\/mitka-ovat-yksityisleasingin-ja-tos-kaupan-erot\/","title":{"rendered":"Mitk\u00e4 ovat yksityisleasingin ja TOS-kaupan erot?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"347\" class=\"elementor elementor-347\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8e8476c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8e8476c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-33ea68c\" data-id=\"33ea68c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78cac9b elementor-widget elementor-widget-heading\" data-id=\"78cac9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">YKSITYISLEASINGIN JA TOS-KAUPAN EROT?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab4954 elementor-widget elementor-widget-heading\" data-id=\"1ab4954\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kuukausimaksuun perustuva autoilu on t\u00e4ynn\u00e4 termej\u00e4, jotka on hyv\u00e4 ymm\u00e4rt\u00e4\u00e4.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d94f432 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d94f432\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69369749\" data-id=\"69369749\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1a607275 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1a607275\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7112e65e\" data-id=\"7112e65e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-537b2ec4 artikkeli_ad elementor-widget elementor-widget-global elementor-global-1321 elementor-widget-html\" data-id=\"537b2ec4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"almad-custom-container\">\r\n    <div id=\"almad-leaderboard-1\" class=\"ad\">\r\n        <script>\r\n            window.loadAlmaAd(\"almad-leaderboard-1\");\r\n        <\/script>\r\n    <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2cb6fb5b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2cb6fb5b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-40513b1f\" data-id=\"40513b1f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-283c84ba elementor-align-center elementor-widget elementor-widget-global elementor-global-1068 elementor-widget-button\" data-id=\"283c84ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/leasing\/yksityisleasing\/kilpailuta-yksityisleasing\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">KILPAILUTA YKSITYISLEASING<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4c7db226\" data-id=\"4c7db226\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-63ddc475 elementor-align-center elementor-widget elementor-widget-global elementor-global-1070 elementor-widget-button\" data-id=\"63ddc475\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/leasing\/yksityisleasing\/artikkelit\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">YKSITYISLEASING ARTIKKELIT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-314fd18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"314fd18\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c9ed609\" data-id=\"c9ed609\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20eb5e3 elementor-widget elementor-widget-text-editor\" data-id=\"20eb5e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Markkinoilla on runsaasti kiinte\u00e4\u00e4n kuukausimaksuun perustuvia autoilun muotoja. Jokainen autotalo tarjoaa omaa palveluaan: on erilaista fiksu-, meno- tai kiltadiili\u00e4, on Huoletonta, Reilua ja muita vapautta korostavia palveluja.<\/p><p>Puhdasta <b>yksityisleasingia<\/b> tarjoaa tiett\u00e4v\u00e4sti vain ALD Yksityisleasing. Yksityisleasingiss\u00e4 auto kuuluu palveluntarjoajalle, k\u00e4sirahaa ei vaadita ja autolle ei m\u00e4\u00e4ritell\u00e4 takaisinostohintaa. Auto on selke\u00e4sti vuokralla.<\/p><p>Muilla mallina on auton ostaminen <b>osamaksurahoituksella<\/b>, jossa palveluntarjoaja sitoutuu ostamaan auton takaisin ennakkoon sovitulla hinnalla \u2013 kunhan auto on normaalissa kunnossa ja huollettu ehtojen mukaan. T\u00e4t\u00e4 kaupantekotapaa kutsutaan TOS-kaupaksi eli takaisinostositoumukseen perustavaksi kaupaksi.<\/p><p>Helppouden ja selvyyden vuoksi n\u00e4ist\u00e4 kaikista puhutaan usein yksityisleasingin\u00e4. K\u00e4yt\u00e4nn\u00f6n erot TOS:n ja yksityisleasingin v\u00e4lill\u00e4 ovatkin varsin pieni\u00e4.<\/p><p><b>T\u00e4rkeint\u00e4 on ymm\u00e4rt\u00e4\u00e4, mit\u00e4 ollaan sopimassa.<\/b> Palveluntarjoajalla on aina velvollisuus selitt\u00e4\u00e4 sopimuksentekohetkell\u00e4 asiakkaalle selke\u00e4sti, mit\u00e4 termit tarkoittavat. Jos terminologia on ep\u00e4selv\u00e4\u00e4, riitatilanteessa asia voidaan tulkita kuluttajan hyv\u00e4ksi. My\u00f6s asiakkaalla on vastuunsa: h\u00e4nen pit\u00e4\u00e4 oman etunsakin takia varmistaa, ett\u00e4 on ymm\u00e4rt\u00e4nyt ehdot.<\/p><p><b>Yksityisleasing on vuokraamista, TOS-kauppa on ostamista.<\/b> Kilpailu- ja kuluttajaviraston mukaan yksityisleasingiin voidaan tarvittaessa soveltaa samoja s\u00e4\u00e4d\u00f6ksi\u00e4 kuin auton vuokraukseen, jos kyse on puhtaasti vuokrasopimuksesta. TOS-kauppaan taas sovelletaan osamaksukaupan s\u00e4\u00e4nn\u00f6ksi\u00e4. Kuluttajalle ei saa j\u00e4\u00e4d\u00e4 ep\u00e4selv\u00e4ksi, mik\u00e4 sopimustyyppi on kysymyksess\u00e4.<\/p><p><b>Auton omistus on palveluntarjoajalla.<\/b> Osamaksukauppaankin perustuvassa sopimuksessa auton omistus on autokaupalla tai rahoitusyhti\u00f6ll\u00e4, ja omistus siirtyy kuluttajalle vasta sitten, kun tuote on maksettu kokonaisuudessaan \u2013 eli jos kuluttaja sopimuskauden j\u00e4lkeen lunastaa auton itselleen. Kuluttaja saatetaan sopimuskaudella merkit\u00e4 auton toiseksi haltijaksi. Vaikka ALD Yksityisleasing onkin k\u00e4yt\u00e4nn\u00f6ss\u00e4 vuokraamista, sopimuskauden j\u00e4lkeen autosta voi pyyt\u00e4\u00e4 halutessaan tarjouksen ja lunastaa sen itselleen.<\/p><p><b>Mit\u00e4 hinta sis\u00e4lt\u00e4\u00e4?<\/b> Oli muoto kumpi tahansa, t\u00e4rke\u00e4\u00e4 on tiet\u00e4\u00e4, mit\u00e4 kuukausimaksu pit\u00e4\u00e4 sis\u00e4ll\u00e4\u00e4n: keskeisi\u00e4 ovat kilometrirajat, huollot, vakuutukset ja renkaat.<\/p><p><b>Sopimuksen p\u00e4\u00e4tt\u00e4minen tai purkaminen<\/b> kesken sopimuskauden onnistuu yleens\u00e4 molemmissa, mutta siit\u00e4 voi joutua maksamaan. Esimerkiksi ALD:lla purkumaksu on <i>30 prosenttia ajoneuvon palautusp\u00e4iv\u00e4n ja sopimuskauden p\u00e4\u00e4ttymisp\u00e4iv\u00e4n v\u00e4lisest\u00e4 verollisesta vuokrasta, kuitenkin v\u00e4hint\u00e4\u00e4n kolmen kk:n vuokraa vastaava summa<\/i>, joten k\u00e4yt\u00e4nn\u00f6ss\u00e4 puhutaan v\u00e4hint\u00e4\u00e4n tuhannesta eurosta. Auton vaihtaminen kesken kauden ei ALD:lla onnistu, sen sijaan monissa TOS-versioissa se on mahdollista.<\/p><p><b>Termit selv\u00e4ksi.<\/b> Varsinkin TOS-sopimusten ehdoissa vilisev\u00e4t iloisesti sekaisin termit <b>j\u00e4\u00e4nn\u00f6sarvo, takaisinostohinta, hyvityshinta, suurempi viimeinen maksuer\u00e4, loppuvelka\u2026<\/b> K\u00e4yt\u00e4nn\u00f6ss\u00e4 kyse on samasta asiasta: mik\u00e4 on auton sovittu arvo, kun sopimus p\u00e4\u00e4ttyy. Auton todellinen arvo voi olla toki muuta, jos kuluttaja esimerkiksi myy sen suoraan itse \u2013 sekin on monissa sopimuksissa mahdollista.<\/p><p>Teksti: Sami Turunen<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b252ad elementor-widget elementor-widget-post-info\" data-id=\"1b252ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-686fec9 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>20.3.2018<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d74cf4 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"9d74cf4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"\/leasing\/yksityisleasing\/kilpailuta-yksityisleasing\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">KILPAILUTA SINULLE SOPIVA YKSITYISLEASING<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3943cb2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3943cb2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-cd87729\" data-id=\"cd87729\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e5ab6f elementor-widget elementor-widget-text-editor\" data-id=\"2e5ab6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"fusion-text\"><h3><b>Sinua saattaa my\u00f6s kiinnostaa<\/b><\/h3><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a49ad5d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a49ad5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>YKSITYISLEASINGIN JA TOS-KAUPAN EROT? Kuukausimaksuun perustuva autoilu on t\u00e4ynn\u00e4 termej\u00e4, jotka on hyv\u00e4 ymm\u00e4rt\u00e4\u00e4. KILPAILUTA YKSITYISLEASING YKSITYISLEASING ARTIKKELIT Markkinoilla on runsaasti kiinte\u00e4\u00e4n kuukausimaksuun perustuvia autoilun muotoja. Jokainen autotalo tarjoaa omaa palveluaan: on erilaista fiksu-, meno- tai kiltadiili\u00e4, on Huoletonta, Reilua ja muita vapautta korostavia palveluja. Puhdasta yksityisleasingia tarjoaa tiett\u00e4v\u00e4sti vain ALD Yksityisleasing. Yksityisleasingiss\u00e4 auto kuuluu [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":348,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[6],"tags":[23],"class_list":["post-347","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-yksityisleasing-artikkeli","tag-vertailu"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mitk\u00e4 ovat yksityisleasingin ja TOS-kaupan erot? | Autotalli.com<\/title>\n<meta name=\"description\" content=\"Kuukausimaksuun perustuva autoilu on t\u00e4ynn\u00e4 termej\u00e4, jotka on hyv\u00e4 ymm\u00e4rt\u00e4\u00e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.autotalli.com\/leasing\/wp-json\/wp\/v2\/posts\/347\" \/>\n<meta property=\"og:locale\" content=\"fi_FI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mitk\u00e4 ovat yksityisleasingin ja TOS-kaupan erot? 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