Into fixed assets and development
depending on needs and capabilities.
Simple and quick approval process
where you choose the leasing provider of the leasing subject.
Payment depending on the actual needs
even during the validity duration of the contract.
Possibility of claiming tax deductions
for VAT and corporate income tax(asion) on income.
FEATURES OF LEASING
Leasing is intended for domestic corporate clients, professionals, sole proprietors and spending authorities, who have longterm investment plans and are looking for alternative options for financing.
Conditions for acquisition are more simple and less demanding compared to loan; monthly instalments, financing period and starting obligations can be adjusted to financial capabilities of the company. When signing the contract the company becomes the beneficial owner of the leasing subject and gets the right of use; after fullfiling the obligations and based on the statement of repayment of all claims the company becomes also the legal owner of the leasing subject.
With operational leasing the company gets the right of use, but not also the right of ownership over the leasing subject. It enables off-balance-sheet financing and the use of leasing subject for the agreed term. The sum of the lease depends on the set rest of the values of the leasing subject, which is formed by market price, depreciation period and operational life of the leasing subject.
»SELL AND LEASE BACK«
This is a special form of leasing, where the company owns the leasing subject and sells it to the bank. The bank gives then the leasing subject on lease or in beneficiary ownership to the company in accordance with financial leasing. By doing that the company gets additional funds for growing business, new investments or refinancing of other financing sources with unfavourable price or maturity.
Possibility of on/off-balance-sheet dissemination of investments into fixed assets (the form of the investment depends on whether the company decides on financial or operational leasing).
The possibility of adjusting the leasing payment based on actual needs and wishes of the company even during the validity duration of the contract (deferred payment, early repayment …).
Sisbiz is an information system for the exchange of data and information on the indebtedness of legal entities. Members of the system are granted access to individualised data on the indebtedness of a particular legal entity.
Frequently asked questions
The difference between a loan and a lease is that when you buy a vehicle with a loan, you acquire ownership of the vehicle immediately, while with a lease, the lessor remains the owner of the car until the lease is repaid.
The lessor will grant you a lease in the amount and with a monthly installment corresponding to the inflows into your personal account. The lowest monthly installment is 100 EUR.
- The repayment period for a car lease can be up to 7 years,
- the option to buy a used or new vehicle,
- in most cases the deposit is at least 20% of the value of the vehicle,
- the option of choosing between a fixed or variable interest rate,
- the cost of approval is comparable to the cost of getting a loan.
To obtain a lease, the client must submit proof of regular income (salary, pension or other income). Foreign citizens are additionally required to have a guarantor. Leasing insurance is the object of the lease itself, i.e. a vehicle that remains the property of the lessor until the last installment has been paid. Additional leasing insurance is usually not required, but the vehicle must be insured.
It's good to know
who you trust with your finances
- Excells in safety, stability and reliability in Slovene banking space.
- Part of OTP Group, one of the biggest and most stable financial services providers in Central and Eastern Europe.
- Trusted by more than 200.000 clients.
What do our clients say about us?
SKB bank keeps pace with the trends. It provides its users with online and mobile banking which makes our business easier and also simplifies dealing with our personal account, while paying invoices is quick and easy. Employees in bank branches are nice, helpful and willing to solve every issue.
I have been a satisfied client since 2003. What I like most are personal approach and responsiveness – my individual relationship officer instantly finds a favourable solution for each of my financial challenges. I would also like to point out the mobile bank; these days I could not imagine my everyday life without it.
With mobile and online bank, you can arrange as many as 53 different tasks without visiting the bank.:
- Submitting application for approval of extra overdraft facility.
- Submitting application for order of consumer loan.
- Submitting application for obtaining Visa credit card.
- Paying and receiving invoices and e-invoices.
- Overview of balance and spending.