Financial lease
Finance lease is a form of lease in which the asset remains legally owned only by the lender. With a financial lease, the borrower, the person who uses the good, is the economic owner, which means that they are also responsible for maintenance and any depreciation of the good.
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Financial lease
Finance lease is a way to finance a purchase, such as a car.
In this construction, there is an agreement between two players: the lender (the party that advances the purchase amount) and the borrower (the party that borrows the purchase amount).
Yes. The car is legally owned by the borrower once all financial obligations have been met.
No. The borrower is responsible for maintenance/repair of the car and arranging insurance.
Yes. If you purchase a business car via a financial lease, you may use certain deductions.
Every contract comes with rights and obligations. When concluding a lease contract for financial leasing, it is important to pay close attention to the conditions. This not only determines what is necessary about maintenance and economic risk, but also about the collateral. Similar to a mortgage, the vehicle serves as collateral. If you could no longer pay the monthly installment while a large part of the total debt has not yet been paid, the leasing company usually has the right to claim the vehicle.
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