Make Your Goals Happen About Leasing
Imagine using a vehicle, equipment, machine or boat that will improve your business. Do you want a flexible way of using it and the possibility of exchanging it for a new model after the contract expires?
Choose leasing – a financial model fully tailored to your needs. Pay monthly installments from the income you generate from using the leased asset.
Make your goals happen with our support!
What is Leasing?
Leasing is a term that comes from the English word "to lease", which means to rent. Under leasing financing, you use the leased asset in exchange for a certain fee to the leasing company. After paying the agreed fees, depending on the type of leasing, you may also acquire ownership of the leased asset.
Advantages of leasing
Saving Time and Money
Quick resolution and approval of your application without the obligation to mortgage and with no agreement authentication and additional guarantees required
Simple Lease Cost Management
Customising the lease repayments according to your ability and needs
Special Benefits
Take advantage of the special benefits on the insurance of the leased asset, as well as other benefits in collaboration with our partners
Lease
- Operating Lease
- Finance Lease
Operating lease gives you the opportunity to use the leased asset for a contracted period without the need to acquire it.
Upon expiration of the contract, you have the option of returning the leased asset and choosing a new, more modern model.
Operating Lease Advantages
Flexibility
You pay a certain fee that does not have to cover the entire value of the asset.
Simplicity
There is no option to purchase the leased asset. After the contract expires, the asset is returned to the leasing company, which remains its legal and economic owner.
Financial Performance
The monthly leasing installment represents an expense of your business, which can improve your balance sheet.
Tax Treatment
VAT is calculated monthly on the leasing service with the R-1 invoice.
If you want to make a long-term investment and become the owner of the leased asset, financial lease is the right choice for you.
Upon expiration of the contract, you have the option to purchase the leased asset, thereby becoming its owner.
Finance Lease Advantages
Long Term Ownership
You pay a fee that includes the entire value of the leasing asset and gives you the option to purchase.
Economic Owner
During the lease repayment period, you are the economic owner of the asset, while the leasing company is the legal owner.
Costs of Lease
Depreciation and costs related to the leasing contract (interest and fees) are recorded as an expense in your business books.
Tax Treatment
VAT is calculated on the net value of the leased property and can be used as a prepayment tax, depending on your activity and the type of leased asset.
Seasonal Installments
Choose installments that match the pace of your business.
Raiffeisen leasing continuously adapts to the needs of its clients, following the dynamics of their business. For this reason, we offer financing through financial leasing with seasonal installments and installments that follow the expected payment of incentives from the State.
This type of installment is primarily intended for clients with seasonal business dynamics, such as tourism, agriculture, maritime transport, etc. These are non-standard calculations that are adapted for all client segments and for all types of financing facilities.
Seasonal repayment is the division of the installment into smaller and larger blocks, and the amount of the installment follows the seasonal course of business.
Incentive repayment is one increased installment, in the first year of operation, in accordance with the expected incentives.
- installment amount tailored to your business
- individual leasing conditions
- financial flexibility throughout the business year
- agriculture
- tourism
- maritime transport
- new and used PC/LCV vehicles with all types of fuel, and buses
- new agricultural vehicles and equipment, forklifts, boats, mobile homes, PV panels
- private individuals - new and used PC/LCV vehicles, and new vessels
- business entities - the entire offer
How to Get a Lease?
Select the Asset With Your Supplier
Select the asset you would like to lease.
Submit the Documentation
Submit the asset offer and a filled Lease Approval Application together with the relevant documentation.
Sign the Agreement
After an assessment of creditworthiness and approval by Raiffeisen Leasing, we invite you to sign the agreement and the associated documentation.
Take Over the Asset
After signing the agreement, you can take over your selected asset and start using it.
Who Can Get Leasing?
Basic Leasing Terms
In accordance with the Leasing Act, leasing companies are lessors. In order to perform the business of leasing, they must be approved by Hrvatska agencija za nadzor financijskih usluga. The leasing company purchases the asset from the supplier and gives the lessee the right to use it. Based on the purchase agreement with the supplier, the lessor exercises the right of ownership of the asset.
The lessor is the real (legal) owner of the asset in operating and finance leasing and the economic owner (the asset is recorded and depreciated in the accounts of the leasing company) in an operating lease, whereas the lessee is the economic owner in a finance lease.
Lessee
The lessee is a private individual or business company who, on the basis of a lease agreement, uses the leased asset, selects the asset with a supplier and approaches the leasing company (lessor) for financing.
The leased asset supplier is a business company or private individual who sells the leased asset to the leasing company.
Leased assets are passenger cars, commercial vehicles, machinery, equipment, plants, boats, and real estate. The asset must have use-value for the right to use to be transferred to the lessee in accordance with the lease agreement.
Example From Practice
In this case, the lessor is Raiffeisen Leasing, the lessee is you, our client (private individual or business company) who wants financing for a leased asset (for example, a car), and the supplier is the car dealership.