Type of financing with which you can acquire your fixed assets. Leasing is a medium- to long-term financial leasing arrangement under which the bank finances the acquisition of new or user fixed assets that your company or business may need. You pay in periodic instalments and have the option to purchase at the end of the lease period.
Characteristics of leasing
You can enjoy the interesting advantages of this financing system:
- Financing of up to 100% of the amount of the article to be acquired.
- Choice of type of operation: fixed or variable rate.
- It is a deductible expense. Financing your investments under a leasing arrangement signifies tax deducting the investment in approximately half the time for straight-line amortisation of the investment.
- The minimum financing terms are 2 years for machinery and vehicles and 10 years for real estate.
- Financing the VAT of the purchase – sale.
Machinery leasing can be used to acquire all kinds of industrial machinery, as well as installations, furniture, capital goods, etc.
The usual term for this type of operation is from 2 to 7 years, and the financing can reach up to 100% of the cost of the good.
Industrial and commercial vehicles
Vehicle leasing can be used to acquire all kinds of transport items for business use.
This category includes both industrial vehicles (trucks, vans) and commercial ones (cars) as well as yachts and aircraft.
Financing for taxis should be highlighted in this section.
The usual term for this type of operation is from 2 to 7 years, and the financing can reach up to 100% of the cost of the vehicle.
Real estate leasing is a financial leasing operation through which the Bank finances the customer’s acquisition of the property required to carry out industrial or commercial business, by companies, shops or the self-employed.
In the financial leasing contract, the Bank assigns use of the property for a specific period of time, granting a purchase option over this at the end of the rental period.
This can be used to finance real estate intended for industrial or commercial uses (sheds, premises, offices, consultancies, professional practices etc.). These operations can be performed for purchasing finished real estate or properties still to be built.
The minimum term for this type of operation is 10 years.
Furniture:
To finance furniture or computer equipment, amongst others.
Term: 2 to 7 years.
Real estate:
To finance the purchase of hotels, refurbishment of facilities, remodelling, etc.
Term: from 10 to 15 years.
Includes possibility of adapting instalments seasonally.
More information
Agriculture and livestock
Investment in machinery or facilities for the agriculture and livestock sector: tractors, harvesters, land for cultivation, vineyards, cellars and bovine.
Furniture:
Terms: 2 to 7 years.
Real State:
Term: 10 to 15 years.
More information
The solution for annual planning of companies’ fixed asset acquisitions.
At Banco Sabadell we want to help you to simplify your annual investment process. That’s why we are offering you the new Leasing Line, so you can have financing available whenever you need to acquire machinery and vehicles for your business.
What benefits do I get from a leasing line?
It simplifies your management because you have:
- A limit granted in a single risk appraisal.
- The effective term of the line is one year.
- The financial conditions are kept for the whole effective term of the line.
- There is no limit to drawdowns.
- You can choose the form of payment: fixed or variable rate.
- And the financing terms are from 2 to 7 years, with a purchase option of a quota.
More information Leasing line
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