How does financial leasing work?
Financial leasing offers more advantages than you think. Here are the main characteristics.
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Borrowing money also costs money
Borrowing money also costs money
- Discover the personal instalment loan to also finance higher education
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Financial leasing
Advantages of financial leasing
- In most cases, you don't need to use your own funds.
- The administrative formalities are simple and limited.
- You can lease equipment that you use for professional purposes: cars, bicycles, production machines, computer equipment, etc.
- The leasing period depends on the economic life of the equipment.
- At the end of the rental period, you can either buy the equipment thanks to the purchase option or extend your leasing by 1 or 2 years.
Purchase option
If the purchase option price is high, the rental cost decreases, as the residual value is significant. With a purchase option of 4 to 15% of the purchase price, you can record the leasing in your company's balance sheet. From 16%, the leasing is treated as a professional expense.
Full financing
Leasing is 100% financing that allows you to save your working capital.
VAT recovery
As a lessee, you can recover the VAT on the rents and the purchase option if you are subject to VAT.
Omnium
The leasing company remains the legal owner of the vehicle. As the economic owner, you are responsible for its registration and omnium insurance.
Higher first rent
You can choose to pay a higher first rental amount to reduce subsequent invoices. A personal investment is also possible.
Not happy?
You can address all your questions to your advisor or read Article 21 of the bank's general terms and conditions.
If you have a complaint, you can address it to BNP Paribas Fortis SA, Complaint Management Service JQABD, Montagne du Parc 3, 1000 Brussels, Tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via www.bnpparibasfortis.be > suggestions or complaints > online form.
If the proposed solution does not satisfy you, you can address your complaint by mail to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels – BCE: 884.072.054, Tel.: 02 547 58 71, info@ombudsman-insurance.be – www.ombudsman-insurance.be.
Is financial leasing a solution for you?Are you already a customer? Log in, simulate your leasing, and submit your application.
Other financing options
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Instalment Loan
Need to develop your business? Unforeseen expenses to settle? With an instalment loan, you can continue your activities with full peace of mind.
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Investment Loan
With the investment loan, you benefit from attractive conditions to purchase the equipment that guarantees your future growth. It's a flexible and effective solution that also allows you to benefit from a tax advantage.
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Operational Leasing
An all-in solution for a fixed monthly amount, without additional fees or administrative charges. For new and used vehicles.
Legal information
Lessor: ES Finance SA (trading name: BNP Paribas Leasing Solutions), Chaussée de Gand 1440, 1082 Brussels, RPM Brussels, VAT BE 0430.506.289.
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