Smart Buy construction | Porsche Finance Group Hungary

SMART BUY FINANCING FOR PRIVATE INDIVIDUALS

Smart Buy is a special Open-end Financial Leasing arrangement by Porsche Finance Group Hungary for private individuals, with residual value arrangement.

WHY CHOOSE SMART BUY?

Low monthly fee

Flexible financing tailored to your needs

Fixed interest rate

Multiple options at the end of the term

Predictable purchase price

Convenient sales process

GET YOUR DREAM CAR WITH OUR OPEN-END FINANCIAL LEASING

Flexible Financing

Smart Buy offers flexible financing options with discounts and residual value options to keep your monthly installments low. You can choose a financing term that suits your financial situation.

  • 20-50% down payment
  • 24-60 months duration
  • 10,000 - 70,000 km/year mileage
  • Minimum financed amount of 1,000,000 HUF

Predictable purchase price at the end of the term

Through the Smart Buy product, Porsche Lízing can guarantee the future value of the car at the end of the financing period, provided it meets the contractual conditions.

Safe and Hassle-Free Sale

If you do not want to deal with the inconveniences and risks associated with the car selling process, then choose our Smart Buy service. At the time of signing the contract, you will already have a potential buyer at the end of the term, Porsche Lízing.

Freedom of choice

Unlike traditional financing, Smart Buy lets you decide what to do with your car at the end of the term. You can choose to keep it or trade it in for a new car.

Flexible residual value repayments

If you decide to keep your car, you have the flexibility to choose how you repay the residual value, either in one lump sum or by extending the term and spreading it over a number of monthly instalments, while reducing the residual value.

Our current offers

open-end financial leasing for VOLKSWAGEN Tiguan Life TSI Plug-In-Hybrid model until april 30, 2026

Gross purchase price*: 15 790 330 HUF

Lease principal (basis of lease financing)*: 15 815 710 HUF 

Gross initial lease fee: 7 907 854 HUF

Financed amount: 6 226 658 HUF + VAT

Planned buyout price** (gross residual value): 6 958 912 HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 26 407 HUF

Official fuel consumption:0, 1 - 6,1 l/100km

Official specific CO₂ emissions:3 - 148 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

I'M INTERESTED

open-end financial leasing for VOLKSWAGEN Polo Trend 1.0 MPI model until july 31, 2026

Gross purchase price*: 5 979 999 HUF

Lease principal (basis of lease financing)*: 5 992 689 HUF 

Gross initial lease fee: 2 996 344 HUF

Financed amount: 2 359 327 HUF + VAT

Planned buyout price** (gross residual value): 2 636 783 HUF

Interest rate: fixed 4,99 %

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 19 091 HUF

Official fuel consumption:1 5,4 - 6 l/100km

Official specific CO₂ emissions:2 123 - 137 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

I'M INTERESTED

open-end financial leasing for VOLKSWAGEN T-Roc Life 1.5 eTSI DSG model until july 31, 2026

Gross purchase price*: 11 291 125 HUF

Lease principal (basis of lease financing)*: 11 311 375 HUF 

Gross initial lease fee: 5 655 688 HUF

Financed amount: 4 453 297 HUF + VAT

Planned buyout price** (gross residual value): 4 977 006 HUF

Interest rate: fixed 2,99%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 29 139 HUF

Official fuel consumption:5,5 - 6,3 l/100km

Official specific CO₂ emissions: 126 - 143 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

I'M INTERESTED

open-end financial leasing for VOLKSWAGEN T-Cross Start 1.0 TSI model until july 31, 2026

Gross purchase price*: 7 990 000 HUF

Lease principal (basis of lease financing)*: 8 002 690 HUF 

Gross initial lease fee: 4 001 345 HUF

Financed amount: 3 150 666 HUF + VAT

Planned buyout price** (gross residual value): 3 521 184 HUF

Interest rate: fixed 2,99%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 20 616 HUF

Official fuel consumption: 5,5-6,3 l/100km

Official specific CO₂ emissions:125-141 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

I'M INTERESTED

open-end financial leasing for VOLKSWAGEn Golf Start 1.5 TSI Plug-In-Hybrid model until april 30

Gross purchase price*: 13 990 000 HUF

Lease principal (basis of lease financing)*: 14 015 380 HUF 

Gross initial lease fee: 7 007 690 HUF

Financed amount: 5 517 866 HUF + VAT

Planned buyout price** (gross residual value): 6 166 767 HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 23 401 HUF

Official fuel consumption:1 0,1 - 5,6 l/100km

Official specific CO₂ emissions:3 - 127 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

I'M INTERESTED

The above open-ended, fixed, forint-based financial leasing financing option is available to consumers until April 30, 2026, or while supplies last.

Open-end financial leasing offers for ŠKODA models until april 30, 2026

ŠKODA Octavia Joy 1.5 TSI DSG mHEV ACT

✔ + 1 year with Porsche CASCO

Gross purchase price*: 9 705 000 HUF

Lease principal (basis of lease financing)*: 9 824 380 HUF 

Gross initial lease fee: 4 912 190 HUF

Financed amount: 3 867 866 HUF + VAT

Planned buyout price** (gross residual value): 4 126 240 HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 21 861 HUF

Official fuel consumption:¹ 4,9 - 5,3 l/100km

Official specific CO₂ emissions:² 112 - 121 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

ŠKODA Kamiq Limited 1.0 TSI

✔ + 1 year with Porsche CASCO


Gross purchase price*: 7 999 000 HUF

Lease principal (basis of lease financing)*: 8 011 690 HUF 

Gross initial lease fee: 4 005 845 HUF

Financed amount: 3 154 208 HUF + VAT

Planned buyout price** (gross residual value): 3 445 027 HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 15 990 HUF

Official fuel consumption:¹ 5,4 - 6,2 l/100km

Official specific CO₂ emissions:² 122 - 141 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

ŠKODA Karoq Joy 1.5 TSI ACT

✔ + 1 year with Porsche CASCO


Gross purchase price*: 10 548 999 HUF

Lease principal (basis of lease financing)*: 10 574 379 HUF 

Gross initial lease fee: 5 287 190 HUF

Financed amount: 4 163 141 HUF + VAT

Planned buyout price** (gross residual value): 4 546 984 HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 20 990 HUF

Official fuel consumption:¹ 6 - 7,1 l/100km

Official specific CO₂ emissions:² 136 - 162 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

SKODA Kodiaq Selection 1.5 TSI DSG mHEV ACT

✔ + 1 year with Porsche CASCO

Gross purchase price*: 14 957 340 HUF

Lease principal (basis of lease financing)*: 14 982 720 HUF 

Gross initial lease fee: 7 491 360 HUF

Financed amount: 5 898 708 HUF + VAT

Planned buyout price** (gross residual value): 6 442 570 HUF

Interest rate: fixed 6,99%

Term: 60 months

Mileage: 20 000 km/year

Gross monthly lease fee: 49 990 HUF

Official fuel consumption:1 137 - 150 l/100km

Official specific CO₂ emissions:2 136 - 162 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

ŠKODA Scala Joy 1.0 TSI

✔ + 1 year with Porsche CASCO

Gross purchase price*: 7 849 000 HUF

Lease principal (basis of lease financing)*: 7 868 035 HUF 

Gross initial lease fee: 3 934 018HUF

Financed amount: 3 097 651HUF + VAT

Planned buyout price** (gross residual value): 3 383 255HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 15 322 HUF

Official fuel consumption:¹ 4,5 - 6,8 l/100km

Official specific CO₂ emissions:² 101 - 154 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

ŠKODA Fabia Joy 1.0 TSI

✔ + 1 year with Porsche CASCO

Gross purchase price*: 6 848 999 HUF

Lease principal (basis of lease financing)*: 6 861 689 HUF 

Gross initial lease fee: 3 430 844HUF

Financed amount: 2 701 453HUF + VAT

Planned buyout price** (gross residual value): 2 881 909HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 15 268 HUF

Official fuel consumption:¹ 4,3 - 6,5 l/100km

Official specific CO₂ emissions:² 97 - 147 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

The above open-ended, fixed, forint-based financial leasing financing option is available to consumers until April 30, 2026, or while stocks last. We reserve the right to extend the campaign. Porsche Hungaria Kft. acts as an intermediary for financing and insurance on behalf of Porsche Finance Zrt. and Porsche Versicherungs AG Hungarian Branch.

The above calculation is based on data valid on April 22, 2026, and the purchase price of the vehicle is for informational purposes only.

Open-end financial leasing offers for Volkswagen Plug-In-Hybrid models until april 30, 2026

VOLKSWAGEN Golf Start 1.5 TSI Plug-In-Hybrid

Gross purchase price*: 13 990 000 HUF

Lease principal (basis of lease financing)*: 14 015 380 HUF 

Gross initial lease fee: 7 007 690 HUF

Financed amount: 5 517 866 HUF + VAT

Planned buyout price** (gross residual value): 6 166 767 HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 23 401 HUF

Official fuel consumption:1 0,1 - 5,6 l/100km

Official specific CO₂ emissions:3 - 127 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

VOLKSWAGEN Passat Variant Business TSI Plug-In-Hybrid

Gross purchase price*: 19 441 630 HUF

Gross initial lease fee (including registration tax): 9 720 815 HUF

Financed amount: 7 654 185 HUF + VAT

Planned buyout price**: 8 514 718 HUF

Gross residual value: 8 514 718 HUF

Interest rate: 0,01%

Type of interest: fixed

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 33 562 HUF

Contract fee (HBNY fee): 7 000 HUF

Total amount payable by the consumer***: 9 729 972 HUF

Fuel: Petrol & electric motor

Official fuel consumption:0, 1 - 6,8 l/100km

Official specific CO₂ emissions:2 - 155 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

VOLKSWAGEN Tiguan Life TSI Plug-In-Hybrid

Gross purchase price*: 15 790 330 HUF

Lease principal (basis of lease financing)*: 15 815 710 HUF 

Gross initial lease fee: 7 907 854 HUF

Financed amount: 6 226 658 HUF + VAT

Planned buyout price** (gross residual value): 6 958 912 HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 26 407 HUF

Official fuel consumption:0, 1 - 6,1 l/100km

Official specific CO₂ emissions:3 - 148 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

VOLKSWAGEN Tayron Elegance TSI Plug-In-Hybrid

Gross purchase price*: 18 832 969 HUF

Gross initial lease fee (including registration tax): 9 416 484 HUF

Financed amount: 7 414 556 HUF + VAT

Planned buyout price**: 8 246 906 HUF

Gross residual value: 8 246 906 HUF

Interest rate: 0,01%

Type of interest: fixed

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 32 545 HUF

Contract fee (HBNY fee): 7 000 HUF

Total amount payable by the consumer***: 9 425 561 HUF

Fuel: Petrol & electric motor

Official fuel consumption:0,1 - 6,8 l/100km

Official specific CO₂ emissions:3 - 156 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

The above open-ended, fixed, forint-based financial leasing financing option is available to consumers until April 30, 2026, or while stocks last. We reserve the right to extend the campaign. Porsche Hungaria Kft. acts as an intermediary for financing and insurance on behalf of Porsche Finance Zrt. and Porsche Versicherungs AG Hungarian Branch.

The above calculation is based on data valid on January 22, 2026, and the purchase price of the vehicle is for informational purposes only.

Open end financial leasing offers for Volkswagen Trend models until 2026. july 31

VOLKSWAGEN Polo Trend 1.0 MPI

Gross purchase price*: 5 979 999 HUF

Lease principal (basis of lease financing)*: 5 992 689 HUF 

Gross initial lease fee: 2 996 344 HUF

Financed amount: 2 359 327 HUF + VAT

Planned buyout price** (gross residual value): 2 636 783 HUF

Interest rate: fixed 4,99 %

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 19 091 HUF

Official fuel consumption:1 5,4 - 6 l/100km

Official specific CO₂ emissions:2 123 - 137 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

VOLKSWAGEN Tiguan Trend 1.5 eTSI OPF DSG

Gross purchase price*: 12 590 000 HUF

Gross initial lease fee (including registration tax): 6 295 000 HUF

Financed amount: 4 956 693 HUF + VAT

Planned buyout price**: 5 875 000 HUF

Gross residual value: 5 875 000 HUF

Interest rate: 6,99 %

Type of interest: fixed

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 39 392 HUF

Contract fee (HBNY fee): 7 000 HUF

Total amount payable by the consumer***: 7 308 907 HUF

Fuel: Petrol(mild) Hybrid

Official fuel consumption:1 5,9 - 7 l/100km

Official specific CO₂ emissions:2 134 - 160 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

The above open-ended, fixed, forint-based financial leasing financing option is available to consumers until july 31, 2026, or while supplies last.

A fenti finanszírozási konstrukciókban megadott adatok tájékoztató jellegűek, azok változása esetén a fogyasztó által fizetendő teljes összeg is módosulhat. A Porsche Finance Zrt. a belső szabályzataiban rögzítettek szerinti elvégzett ügylet- és ügyfélminősítés eredményétől függően vállalja a gépjármű finanszírozását, és határozza meg a kockázatvállalás végleges feltételeit, melynek keretében a finanszírozási feltételek módosulhatnak, illetve akár egyéb fedezetet írhat elő.

 Érvényes CASCO biztosítás a szerződés hatálya alatt kötelező, költsége a Lízingbevevőt terheli.

* Porsche Lízing szándéknyilatkozata szerinti megvásárlási ár.

*Lease principal: The aggregate amount of the vehicle's gross purchase price, the registration tax, and the value-added tax (VAT) payable on the registration tax resulting from it being recharged to the Lessee.

** A fogyasztónak nyújtott hitelről szóló 2009. évi CLXII. törvény 3.§ 4. pontja értelmében: "Fogyasztó által fizetendő teljes összeg: a hitel teljes összege és a hitel teljes díja."

Kérjük, a finanszírozás pontos részleteinek és feltételeinek megismerése érdekében keresse a Porsche Finance Zrt. közvetítőjeként eljáró márkakereskedéseket. Felhívjuk a figyelmét, hogy a tájékoztatás nem teljes körű, további részleteket a Porsche Finance Zrt. Általános Üzletszabályzata, Pénzügyi Lízingügyletek Üzletszabályzata és Hirdetményei tartalmazzák, melyek letölthetőek a www.porschefinance.hu oldalról, vagy az Ügyfélszolgálatunkon, valamint a Közvetítőnél elérhetőek. Kérjük, hogy a fenti finanszírozási lehetőség értékeléséhez látogasson el az MNB Pénzügyi Fogyasztóvédelmi Központ honlapjára (http://www.mnb.hu/fogyasztovedelem), mert az ott szereplő termékleírások, összehasonlítást segítő alkalmazások a megalapozott döntéshez segítséget nyújtanak.

open-end financial leasing offers for Seat models until april 30, 2026

SEAT Arona 1.0 TSI Fresh

Gross purchase price*: 7 242 999 HUF

Lease principal (basis of lease financing)*: 7 302 689 HUF 

Gross initial lease fee: 3 651 344HUF

Financed amount: 2 875 075HUF + VAT

Planned buyout price** (gross residual value): 3 067 129HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 16 250 HUF

Official fuel consumption:1 5,3 - 6  l/100km

Official specific CO₂ emissions:2 120 - 135 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

SEAT Ibiza 1.0 TSI Fresh

Gross purchase price*: 6 843 000 HUF

Lease principal (basis of lease financing)*: 6 902 690 HUF 

Gross initial lease fee: 3 451 346HUF

Financed amount: 2 717 594HUF + VAT

Planned buyout price** (gross residual value): 2 899 131HUF

Interest rate: fixed 0,01%

Term: 36 months

Mileage: 20 000 km/year

Gross monthly lease fee: 15 360 HUF

Official fuel consumption:1 5 - 5,9  l/100km

Official specific CO₂ emissions:2 115 - 134 g/km

Detailed fuel consumption and CO₂ emissions values according to WLTP and NEDC standards

The above open-ended, fixed, forint-based financial leasing financing option is available to private individuals until April 30, 2026, or while stocks last. We reserve the right to extend the campaign. Porsche Hungaria Kft. acts as an intermediary for financing and insurance on behalf of Porsche Finance Zrt. and Porsche Versicherungs AG Hungarian Branch.

The above calculation is based on data valid on February 16, 2026, and the purchase price of the vehicle is for informational purposes only.

One smart tip: Can be combined with the Porsche Casco Bonus promotion, allowing for an additional discount of 100,000 HUF on the purchase price!

The open-end, fixed rate HUF-based financial leasing option shown above is available to consumers until the date specified in the advertisment, or while stocks last. This offer is applicable to all new Volkswagen and Skoda passenger vehicles. We reserve the right to extend the campaign. Porsche Hungaria Kft. acts as an intermediary for financing and insurance on behalf of Porsche Finance Zrt. and the Hungarian Branch of Porsche Versicherungs AG.

The data provided in the above financing offer are for informational purposes only and are subject to change, which may also alter the total amount payable by the consumer. Porsche Finance Zrt., depending on the result of the transaction and client evaluation performed according to its internal regulations, undertakes vehicle financing and determines the final terms of risk acceptance, under which the financing conditions may change, or additional collateral may be required.

Valid CASCO insurance is mandatory during the contract term, and its cost is to be paid by the lessee. The insurance cost is not known at the time of the offer issuance and was not considered in any APR calculations included in the offer.

*The above calculation is based on data valid as of April 25, 2024 (except for Skoda models, which are based on data valid on 5 January 2026, and Volkswagen models, which are based on data valid on 16 December 2025. For the Elroq, Superb PHEV, and Kodiaq PHEV, the calculation is based on data valid as of August 29, 2025. For the T-Roc the calculation is based on data valid as of October 1, 2025.); the vehicle purchase price is for informational purposes only.

** Predicted purchase price as per Porsche Lízing’s declaration of intent.

*** The reference APR was determined considering the applicable laws. The representative example forming the basis of the reference APR calculation: open-ended financial leasing with fixed interest, calculated with a 10% residual value, where the financed amount is 3,000,000 HUF + VAT, the duration is 60 months, the transactional interest rate is 4.99%, the first leasing payment is 11,065,640 HUF, the monthly leasing fee is 46,746 HUF, and the total amount repayable by the customer is 4,349,926 HUF.

**** According to point 4 of Section 3 of the 2009 CLXII Act on Consumer Credit: "Total amount payable by the consumer: the total amount of the credit and the total cost of the credit."

*****The above calculation is based on data valid as of April 30, 2024; the vehicle purchase price is for informational purposes only.

****** The reference APR was determined considering the applicable laws. The representative example forming the basis of the reference APR calculation: open-ended financial leasing with fixed interest, calculated with a 10% residual value, where the financed amount is 3,000,000 HUF + VAT, the duration is 60 months, the interest rate is 4.99%, the first leasing payment is 4,784,970 HUF, the monthly leasing fee is 55,938 HUF, and the total amount repayable by the customer is 4,292,106 HUF.

Please consult dealerships acting as intermediaries for Porsche Finance Zrt. for precise details and conditions of financing. Note that this information is not exhaustive; additional details are contained in the General Business Rules, Financial Leasing Business Rules, and Notices of Porsche Finance Zrt., which are available for download from www.porschefinance.hu, at our Customer Service or at the intermediary. We advise visiting the website of the MNB Financial Consumer Protection Center (http://www.mnb.hu/fogyasztovedelem) for an assessment of this financing opportunity, as the product descriptions and comparison tools there provide assistance for making informed decisions.

1,2 Information on fuel consumption and CO2 emissions: the provided values were measured according to the measurement method prescribed by the 715/2007/EC regulation of the European Parliament and Council (as amended). As of September 1, 2017, certain new vehicle type approvals are based on the Worldwide Harmonized Light Vehicle Test Procedure (WLTP), a new, more realistic testing method for measuring fuel consumption and CO2 emissions. For new passenger vehicles as of September 1, 2018, and for commercial vehicles as of September 1, 2019, the NEDC will be completely replaced by a new testing method, the WLTP (Worldwide Harmonized Light Vehicle Test Procedure). Due to the more realistic testing conditions, fuel consumption and CO2 emissions measured under the WLTP framework are often higher than those measured under the NEDC. The values are not specific to individual vehicles and are not part of the offer but are for comparing different vehicle types. A vehicle’s fuel consumption and CO2 emissions are influenced by driving habits and other non-technical factors (e.g., environmental conditions). In particular, optional equipment and accessories (e.g., wider tires, air conditioning, roof racks) alter relevant vehicle characteristics, such as mass, rolling resistance, and aerodynamics, thereby resulting in deviations in the configured model data. The data on fuel consumption and CO2 emissions are valid alongside the data range for the selected tire format and optimal extra equipment. Specific fuel consumption and CO2 emission data for new passenger cars can be found in the fuel economy guide, which is freely accessible at all sales locations and the consumer protection authority.

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