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What is financial leasing?

Financial leasing is a long-term contractual relationship (lease agreement with subsequent purchase) closed for a fixed term, in which the owner (the lessor) leases to the lessee the basic means for remuneration (lease payments). The agreement includes a provision on the transfer of ownership of the subject of the lease after the termination of the lease to the lessee.

What kind of vehicles can we provide financing for?

New vehicles:

  • we will finance your desired vehicle brand,
  • we will provide you insurance in installments (premium insurance rates CASCO, compulsory contractual insurance, GAP, windshield).

Pre-owned vehicles:

  • we finance vehicles whose age does not exceed 5 years and 11 months from the date of the first registration in the technical certificate, and whose mileage does not exceed 160,000 km, for commercial vehicles 180,000 km,
  • we will provide you insurance in installments (premium insurance rates CASCO, compulsory contractual insurance, GAP, windshield).

The possibility of financial leasing

The length of the lease 29 - 60 months
Initial installment 15% - 80%, or by individual assessment
Redemption value € 35 excl. VAT
Processing fee depends on the desired product

Which documents do you need to conclude a Lease agreement?

A natural person, consumer:

  • a request for funding,
  • a copy of the ID card / passport,
  • income / retirement certificate, but not older than 3 months,
  • a complete statement of account for the last 3 months with a proven amount of income and with most of the household expenditure.

A natural person, entrepreneur:

  • a request for funding,
  • a copy of ID card/passport of the owner/s
  • a copy of the current valid extract from the Trade Register of the SR for legal purposes (not from the Internet) irrespective of the date of issue,
  • Tax ID and VAT ID,
  • the first page of last month's account statement,
  • a copy of the confirmed tax return for the last or the last 2 completed accounting periods,
  • financial statements for the last or the last 2 completed accounting periods.

Legal entity:

  • a request for funding,
  • a copy of the ID card/passport of the authorized agent/s entitled to act on behalf of a legal entity,
  • a copy of the current valid extract from the Commercial Register of the SR for legal purposes (not from the Internet) irrespective of the date of issue,
  • Tax ID and VAT ID,
  • the first page of last month's account statement,
  • a copy of the confirmed tax return for the last or the last 2 completed accounting periods,
  • financial statements for the last or the last 2 completed accounting periods.

Financing conditions

See the full terms of financing in the following annexes: conditions for the consumer and conditions for the entrepreneur.

 

Leaseback leasing

✓  document confirming the acquisition of a vehicle (invoice, sale/purchase contract),

✓  Other conditions applicable to financial leasing.

What is a loan?

A loan is a convenient way to raise funds. If it is important for you to be the owner of the subject of the lease immediately, we recommend a loan from us. The loan is suitable for entrepreneurs and companies.

What kind of vehicles can we provide financing for?

New vehicles:

  • we will finance your desired vehicle brand,
  • We also offer you non-standard loan products (halves, thirds, quarters),
  • we will provide you insurance in installments (premium insurance rates CASCO, compulsory contractual insurance, GAP, windshield and other).

Pre-owned vehicles:

  • we finance vehicles whose age does not exceed 5 years and 11 months from the date of the first registration in the technical certificate, and whose mileage does not exceed 160,000 km, for commercial vehicles 180,000 km,
  • We also offer you non-standard credit products (halves, thirds),
  • we will provide you insurance in installments (premium insurance rates CASCO, compulsory contractual insurance, GAP, windshield).

Loan options

The length of the lease 6 - 60 months
Initial installment 15% - 70%, or by individual assessment
Redemption value € 0 excl. VAT

Which documents do you need to conclude a Loan agreement?

A natural person, entrepreneur:

  • a request for funding,
  • a copy of ID card/passport of the owner/s
  • a copy of the current valid extract from the Trade Register of the SR for legal purposes (not from the Internet) irrespective of the date of issue,
  • Tax ID and VAT ID,
  • the first page of last month's account statement,
  • a copy of the confirmed tax return for the last or the last 2 completed accounting periods,
  • financial statements for the last or the last 2 completed accounting periods.

Legal entity:

  • a request for funding,
  • a copy of the ID card/passport of the authorized agent/s entitled to act on behalf of a legal entity,
  • a copy of the current valid extract from the Commercial Register of the SR for legal purposes (not from the Internet) irrespective of the date of issue,
  • Tax ID and VAT ID,
  • the first page of last month's account statement,
  • a copy of the confirmed tax return for the last or the last 2 completed accounting periods,
  • financial statements for the last or the last 2 completed accounting periods.

The full financing terms and conditions can be found here.

What is an operative leasing?

An operating lease is a modern form of financing. The biggest advantage is the zero-entry investment. Under an operative leasing, you pay only a monthly installment, which includes comprehensive services such as insurance, service including tire service, assistance services, replacement vehicle supply and more.

 

This product is suitable for both individuals and businesses.

What kind of vehicles can we provide financing for?

  • we will finance new motor vehicles with official representation in Slovakia for you,
  • in the framework of the financing, you benefit from the comprehensive service of an operative leasing including insurance in installments (favorable insurance rates, CASCO, compulsory contractual insurance, GAP, windshield, and others).

We provide calculations of these operative leasing:

  • a closed calculation,
  • partially closed calculation,
  • open calculation,
  • fleet management services,
  • leaseback operative leasing

What are the possibilities and benefits of an operative leasing?

A simple way to a new vehicle

  • just select the make and model of the vehicle

Without an initial installment

  • you do not need to have your own funds to pay the initial installment (down payment)

Worry-free ride

  • You pay only a regular monthly installment and pump your gas. We'll take care of everything else

All in one installment

  • vehicle registration
  • preferential rates for CASCO and compulsory contractual insurance
  • resolution of insurance claims for you
  • tire service (purchase, replacement and storage of tires)
  • vehicle service
  • assistance services (e.g. in case of vehicle failure)
  • free VÚB Leasing Assistance mobile app
  • Call Center

Always a new car

  • after the end of the period, you choose from the following options
    • we will exchange your car for a new one,
    • you can buy the vehicle at a discounted price in cash or through financial leasing,
    • you return the vehicle to us free of charge.

Which documents do you need to conclude a Lease agreement?
 

A natural person, consumer:
 

  • an application for Operative leasing with services for non-entrepreneur natural persons,
  • granting consent under the Consumer Protection Act,
  • a copy of the ID card/passport,
  • confirmation of income/pension
  • a complete statement of account for the last 3 months with a proven amount of income and with most of the household expenditure.

A natural person, entrepreneur:

  • an application for an Operative leasing with services for natural persons of entrepreneurs,
  • a copy of the identity card of the owner/s
  • a copy of the current valid extract from the Trade Register of the SR for legal purposes (not from the Internet) irrespective of the date of issue,
  • Tax ID and VAT ID,
  • the first page of last month's account statement,
  • a copy of the confirmed tax return for the last or the last 2 completed accounting periods,
  • financial statements for the last or the last 2 completed accounting periods.

Legal entity:

  • an application for an Operative leasing with services for entrepreneurs,
  • a copy of the identity card of the authorized agent/s
  • a copy of the current valid extract from the Commercial Register of the SR for legal purposes (not from the Internet) irrespective of the date of issue,
  • Tax ID and VAT ID,
  • the first page of last month's account statement,
  • a copy of the confirmed tax return for the last or the last 2 completed accounting periods,
  • financial statements for the last or the last 2 completed accounting periods.

 

We will be happy to provide you with the financing terms and conditions at the number +421 (0) 2 485 536 54/93 or by email: fleet@vubleasing.sk