Overview

A lease is an agreement under which the lessor transfers to the lessee the right to use the leased asset for an agreed period against payment of agreed lease installments.

Yes, you can of course conclude further leasing contracts with us or add an asset to your existing contract.

Leasing can help you to be more attractive to traditional lenders. Operating leases are not recorded as long-term debts or liabilities in the balance sheet but as expenses.

With us, you will get precisely the contract that meets your needs and requirements, – depending on your order situation, cash flow, budget, seasonal fluctuations, etc.

The expenses are constant and can be calculated precisely.
Leasing preserves liquidity.
Leasing keeps the equipment up to date.
The bank credit line is maintained.
A leasing contract allows flexibility.
Leasing enables companies to invest, even with a low investment budget.
In addition to financing, service components are also offered.

Costs of the leased object and all expenses are only partially covered during the term of leasing contract.
Full coverage of the acquisition costs (= amortization) is only achieved by exercising the put option or by selling the object to a third party.
A right of first refusal at a residual value by the dealer is possible.
Tax effect at the lessee: no capitalization in the balance sheet, instalments are operating expenses in the profit and loss accounts.
Limitation of the contract term: minimum 40% and maximum 90% of the asset depreciation rate.

Costs of the leased object and all expenses are fully covered by the leasing installments during the leasing contract.
However, there is no transfer of ownership.
A right of first refusal by the dealer is possible.
Tax effect for the lessee: no capitalization in the balance sheet, installments are operating expenses in the profit and loss account.
Limitation of the contract period: minimum 40% and maximum 90% of the asset depreciation rate.

The costs of the rented good and all expenses are fully covered by the hire-purchase instalments during the term.
The transfer of ownership to the hire-purchaser takes place upon payment of the final installment.
VAT on all hire-purchase installments must be paid with the first installment.
For terms of up to 48 months and a financing value of more than 5,000 euros, a balloon rate (up to 20%) can be included at the end of term to lower monthly installments.
Tax effect for the lessee: capitalization in the balance sheet at the beginning of the contract, interest and depreciation are regarded as expenses in the profit and loss accounts.
No restrictions in term.
According to HGB Germany

In this table you can see the differences between leasing and hire-purchase.