Operating Lease

Choose your financing through Raiffeisen Leasing

Operating Lease

Choose your financing through Raiffeisen Leasing

Want to know what an operating lease is? What are the advantages of paying and using leased assets?
An operating lease gives the lessee the option of using the leased asset for the agreed period. An agreed amount is paid for the use of the leased asset which does not have to take into account the full value of the asset. An operating lease does not offer the option of purchasing the leased asset. Upon the expiry of the agreement, the asset is returned to the leasing company, which is its legal and economic owner.
Operating Lease Advantages

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Operating Lease Advantages

Company Balance Sheet

The monthly instalment represents the monthly business expense
Tax Treatment

VAT is calculated monthly on the lease with an R-1 invoice
Asset Hire

Upon the expiry of the agreement, the asset is returned to the leasing company and you can choose a new, more modern asset.

How to get a lease?

It’s simple!

Select the asset you would like to lease with your supplier and submit the asset offer and a filled Lease Approval Application together with the relevant documentation. After an assessment of creditworthiness and approval by Raiffeisen Leasing, we invite you to sign the agreement and the associated documentation, after which you take over the asset!

Compare operating and finance leasing for business operators

	OPERATING LEASE	FINANCE LEASE
Asset	• Depreciation in the accounts of the leasing company • The leasing company is the legal and economic owner of the asset	• Depreciation in the accounts of the lessee • The lessee is the economic owner of the asset, whereas the leasing company is the legal owner of the asset
VAT	• VAT is calculated monthly on the lease with an R-1 invoice	• VAT is calculated on the net value of the asset • Upon delivery by the leasing company, the lessee receives an R-1 invoice and may claim a VAT refund depending on the business and the asset
Expiry of the Agreement	• The asset is returned to the leasing company and a new lease can be arranged for a newer, more modern asset	• Ownership of the asset is transferred to the lessee (after the payment of all instalments)