Why do you need so little information?g?
The reason we require so little information for an application is that we work in a different way. Our aim is to make it as easy as possible for the customer. At the bank, you have to supply everything, we request everything.
What is the bank's security with Financial Lease?
The security we have is the car. It forms the collateral for us. If you run into financial difficulties and can no longer meet your payment obligations, we will recover it from the car. This gives you and us security.
Why are you cheaper than other providers?
We conduct as much business as possible by phone and e-mail. This allows us to make substantial savings on offices and reception staff. Of course, we pass this on in order to make you the cheapest offer possible.
Can I repay early?
Yes, you can repay early. This varies from one bank to another.
What happens if I have a BKR code?
A past BKR code need not be a problem, as long as it is resolved. With a pending code, we unfortunately cannot always do anything for you.
Can I make a down payment?
You can pay down as much as you want. The higher that amount, the lower the monthly fee. The prices listed on this website are without down payment.
Can I trade in my current car?
Of course, you can trade in your car. We always offer a fair and good price for your old vehicle.
What is a final term?
A final instalment is the last instalment. This amount is always higher than the monthly amount. You can then, if you want, trade the car back in. The residual value of the vehicle will be about the same as the final instalment. You can also choose to trade in the car and enter into a new contract. You will then not pay the final instalment. Or you can trade in the car if you want so that, based on its current value, you don't have to pay the final instalment at all.
What is the interest rate?
The annualised interest rate is about 9.5%
Is the interest tax deductible?
Interest is indeed tax deductible. The investment deduction is 28% of the interest. Therefore, the actual interest you pay is around 6.2%.
When do I become the owner of the car?
You are the owner from the moment you paid the first instalment. The car is also debit with you on the company balance sheet and the financing credit against it.
Is advertising on the car allowed?
Since you own the car economically, you can sticker it as much as you want.
What are the advantages of Financial Lease?
If you opt for Financial Lease, you pay a fixed amount per month. This means you know what you will spend per month. You also don't have to pay a large amount right at the start and keep your finances in order.
Good news for starters and the self-employed'ers!
As a starting entrepreneur, can I also make use of Financial Lease?
Especially for starters, Financial Lease is the best method to purchase a (company) car. As a starter, you already spend a lot of money on all kinds of other things. With Financial Lease, you have the advantage of not having to pay more large sums at once.
Is Financial Lease also suitable for the self-employed?
For self-employed people, Financial Lease is a godsend. It is never really convenient to incur large expenses. With Financial Lease, you spread your expenses and know what you are paying. This keeps your finances under control.
Why do I have to pay VAT? And can I reclaim this amount?
You get the VAT back on your first tax return. You advance this, as it were, just like the rest of your business expenses.
Do I also pay VAT on the monthly fee?
No, you pay the VAT directly when you buy the car, you then get the full amount back on the first tax return. Since you will have already paid the VAT by then, there is no more VAT on the monthly amount.
Does the price include road tax and insurance?
No, Financial Lease is a bare lease form. This allows you to arrange your own insurance as cheaply as possible and your damage-free years are also taken into account, for example. Holding tax is also your responsibility.
