Basic information and terms 

What is leasing?

• Leasing is based on the leasing of things (automobiles, equipment, ...) at established installments. After a certain amount of time, the lessee may become the owner of the thing by paying the nominal residual fee. Thus, leasing allows business parties to invest completely or partially with outside sources without any direct impact on the amount of its own capital.

Benefits of leasing

• It allows for the possibility of planning long range cash flow.
• Leasing is a neutral balance relating to financial resources which do not appear on balance sheets, but which bring tax benefits – leasing installments are considered business expenses and decrease the tax base.
• Accelerated depreciation of property; accelerated depreciation is considered as a business expense, thus decreasing the tax base and as a result the tax payments themselves.
• It saves the liquid resources of the busness person; leasing installments are paid gradually, allowing the business person to use the majority of its financial resources for other purposes.
• It enables 100% coverage of investment expenses from outside sources.
• It doesn’t tie up operating capital or loans.
• It decreases the lessee‘s investment limitations.
• It prevents cash flows.

• It harmonizes the balance between expenses and yields.

How does leasing work?

• Leasing operations always involve the participation of three subjects: the seller (or producer), the leasing company and the lessee. The standard leasing operation procedure is as follows:
  • The seller and the leasing company conclude a purchase contract upon which the leased object becomes the property of the leasing company, which remains its owner for the lifetime of the agreement.
  • The lessee and the leasing company (the lessor) conclude a leasing agreement which establishes the relationship during the leasing period and usually resolves the situation upon the termination of the leasing agreement (the purchase of the leased object).

What can be a leased object

Passenger and small light commercial vehicles

• leasing of passenger vehicles
• leasing of light commercial vehicles (up to 3.5 t)
• leasing of motorcycles

Transport equipment

• trucks
• semi-trailers and trailers
• communal machinery
• busses
• crane trucks
• cement mixer trucks
• tank-trucks, etc.

Machines and technological equipment

• agricultural machinery
• machines and technological equipment
• computer and office equipment

Real Estate

For more detailed information regarding specific financing possibilities, contact any of the UniCredit Leasing sales offices.

Do I have the option to choose from several alternatives in leasing?

Of course you do. The basic alternative is a form of financing in which you can choose: 

• leasing
  • financial 
  • operative 
  • back 
• installment plans 
• credit

Once you have chosen a suitable alternative, you have other options.

Calculation currency:

• EUR

Frequency of installments:

• monthly
• quarterly

Amount of installments

• fixed – UniCredit Leasing guarantees you the amount of your installments throughout the course of the entire leasing period
• variable – the possibility of additional profit in the case of decreased inter-banking market interest rates