Rent or Lease IT Equipment?
Operating leases (rentals) and finance leases (leasing) are the two most common ways to finance IT equipment in Sweden. Both allow you to spread the cost over time – but it's important to understand the differences.
Rental – operational leasing
You pay a fixed monthly fee and return the equipment when the agreement expires.
Service, insurance, and maintenance are often included. No residual value risk. Perfect for companies that want predictable costs and always modern technology.
Monthly cost: Price × 4.49% (24 months)
Leasing – financial leasing
Similar to an installment plan.
You are responsible for service and maintenance, but have the option to purchase the equipment at a predetermined price when the agreement ends.
Lower monthly cost, but higher personal responsibility.
Monthly cost: Price × 4.11% (24 months)
Quick Comparison
| Comparison | Rent | Lease |
|---|---|---|
| Right of ownership | The lessor | Can I transfer to you |
| Service | Included | Not included |
| Monthly cost | Higher | Lower |
| Flexibility | Easy upgrade | Buy option at close |
FAQ
What is the difference between renting and leasing?
Renting is an agreement where you never own the equipment. Leasing is financing that often leads to ownership.
What does it cost?
Calculated based on the product's price excluding VAT. See price examples on each product page.
Who bears the risk?
With renting, the lessor bears the risk. With leasing, you are responsible for the residual value.
Can I deduct VAT?
Yes – 50% of the VAT on the leasing fee is deductible for both forms.
Ready to get started?
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