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Financing

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Leasing Financiar Auto

 

  • Contract period: 12 – 60 months
  • Minimum advance: 15%
  • Residual value: 1 – 20%
  • Full CASCO insurance, with / without deductible, through insurers approved by the leasing company
  • The financing interest is variable, with a minimum threshold, reviewable quarterly, depending on the EURIBOR index (3 M);
  • The file analysis commission is applicable to the value of the financed good;
  • The monthly administration fee is applied to the amount initially financed;
  • Logistics fee: 150-250 EUR, excluding VAT (depending on the type and brand of the good).

Advantages of financial leasing

  1. The customer becomes the owner of the good at the end of the contract
  2. Flexible level of residual rate that can decrease the monthly rate
  3. Registration, insurance is done by the leasing company.
  4. The amount of the advance and the duration of the financing period are flexible
  5. Monthly rate consisting of principal, interest and VAT.
  6. Expenses with depreciation of the asset, insurance, exchange rate differences, VAT and interest may be depreciated.
  7. Scheduling of VAT payments during the leasing period and postponement of import payment obligations,
  8. Simplified documentation

Disadvantages of Financial Leasing:

  1. The risks of using the good pass to the user
  2. Advance is required
  3. The rate is charged by the insurance costs.
  4. The costs related to the maintenance of the good are borne by the client

Documents required for car leasing:

  1. application for financing and completed summary sheet – original;
  2. proforma invoice issued by the supplier / price / pre-contract notification of sale-purchase – copy;
  3. technical specification in which to mention the technical characteristics of the financed good, the list of standard and optional endowments as well as their price – copy;
    agreement to consult the database of the Banking Risk Center (3 copies) – original;
  4. statement regarding the identity of the real beneficiary of the funds – original.

 

Legal documents

  1.  the registration certificate, the constitutive documents and the additional documents to the constitutive documents (if applicable) – copy;
  2. decision of the statutory bodies (GMS, Board of Directors, etc.) from which to result the agreement of the shareholders / associates regarding the acquisition of the leased asset, as well as the empowerment of the persons representing the company in negotiating and signing the leasing contract – original;
  3. the identity document of the person who signs the leasing contract – copy;
  4. signature specimen endorsed by the bank – conformed to the original bank.

Accounting documents:

  1. the last two available annual balance sheets endorsed by the Financial Administration accompanied by the balances and the afferent annexes – copy. If the company does not have 2 annual financial statements available, a guarantor will be required to meet this condition;
  2. the last available verification balance (with monthly turnover in order to quantify the payment obligations to the state budget), signed and stamped – copy;
  3. fiscal attestation certificate or copy of the payment orders attesting the up-to-date payment of the obligations to the general consolidated budget.

What a lease contains:

  1. Parties: the financier and the user.
  2. Exact description of the good
  3. The total value
  4. The amount of leasing rates and the term of payment
  5. The period of use in the leasing system of the good
  6. The clause regarding the obligation to insure the good.
  7. the initial value of the good;
  8. the right of option regarding the purchase of the good and the conditions

 

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