Are you expanding production and you need to buy a new or used machine? At VÚB Leasing we will be happy to advise you and we will prepare a tailor-made offer just for you.
What is financial leasing?
Financial leasing is a long-term contractual relationship (lease agreement with subsequent purchase) with a fixed-term lease, in which the owner (the lessor) leases 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.
The subject of the lease
- woodworking machines (including the furniture and paper industry)
- material handling equipment
- machines for printing
- construction machinery
- mechanical engineering (e.g. metalworking machines)
- healthcare - machinery and devices
- other equipment and technology
- computers and office technology
The possibility of financial leasing
| The length of the lease | 29 - 60 months |
| Initial installment | 15% - 80%, or by individual assessment |
| Redemption value | € 100 excl. VAT |
| Processing fee | depending on the product you require |
Which documents do you need to conclude a Lease agreement?
Natural persons - entrepreneurs
- application for financing
- 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,
- information regarding the Tax ID No. and VAT No.
- 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 entities
- application for financing
- 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,
- information regarding the Tax ID No. and VAT No.
- 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 financing terms can be found here.
The decisive factors for determining the price of the used item
- the age of the subject
- the number of hours of operation, or other method of determining the state of wear
- Technical condition
- photo documentation and the precise technical specification of the whole subject as well as the separate parts
Leaseback leasing
- document confirming the acquisition of the subject of the lease (invoice, sale/purchase contract),
- other conditions than with 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 financing immediately, choose a loan from VÚB Leasing. The loan is suitable for entrepreneurs and companies.
The subject of financing
- machinery and industrial equipment:
- woodworking machines (including the furniture and paper industry)
- material handling equipment
- machines for printing
- construction machinery
- mechanical engineering (e.g. metalworking machines)
- healthcare - machinery and devices
- other equipment and technology
- computers and office technology
Loan options
| The length of the lease | 6 - 60 months |
| Initial installment | 15% - 80%, or by individual assessment |
| Redemption value | € 0 excl. VAT |
| Processing fee | depending on the product you require |
Which documents do you need to conclude a Loan agreement?
Natural persons - entrepreneurs
- application for financing
- 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,
- certificate of VAT registration and VAT number
- 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 entities
- application for financing
- 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,
- certificate of Tax registration and VAT number
- 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 financing terms and conditions can be found here.
The decisive factors for determining the price of the used item
- the age of the subject
- the number of hours of operation, or other method of determining the state of wear
- technical condition
- photo documentation and the precise technical specification of the whole subject as well as the separate parts
What is an operative leasing?
An operative leasing is intended for business entities and concerns the lease of tangible assets, i.e. machinery and equipment, agricultural equipment (both not registered in the transport register), technology and office equipment for a period agreed with the client. During the term of an operating lease, the lease of the item is realized without providing any services to the subject of the lease. The client is required to use the services of an authorized supplier for the subject of the lease for the maintenance of the item and these costs are not included in the lease payments; these costs are paid directly by the client to the service provider.
The subject of financing
- tangible fixed assets (items not registered in the transport register)
- Machines and equipment
- agricultural equipment
- technology, computing
- items easily dismountable and usable for possible leasing
The advantages of an operative leasing without services
- off-balance sheet bookkeeping - the client does not enter the property into the accounting, only the rental payment
- the lessee - VAT payer can apply VAT from individual lease installments
- the possibility of short-term leases from 6 months up to 60 months with a uniform monthly repayment
- the client also takes advantage of favorable insurance rates in the context of the lease
- the subject of the lease is disposed of to a third party after the lease has been terminated at a predetermined residual value
- Documents needed to conclude the Non-Service operative leasing agreement
Which documents do you need to conclude a Lease agreement?
A natural person, entrepreneur:
- application for financing
- a copy of the ID 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,
- information regarding the Tax ID No. and VAT No.
- 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:
- application for financing
- a copy of the ID 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,
- information regarding the Tax ID No. and VAT No.
- 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.