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Financing
options

We offer
various forms of financing

I. Loan

  • The financed item is your property
  • For consumers, we offer consumer loans.
  • As an entrepreneur or company, you charge depreciation as a fully deductible tax expense and deduct VAT on the purchase price in a lump sum at the start of the financing.
  • The loan repayment is not subject to VAT.
  • Solution when drawing funds from subsidy programmes the provision of which is conditional on the ownership of the object being financed.
  • The minimum repayment period is not limited by law.
  • Possibility of insuring the object in instalments.

II. Financial leasing

  • At the end of the financing facility, you have a right of first refusal to purchase the financed item at a pre-agreed price.
  • As an entrepreneur or company, you charge the instalments as a fully deductible tax expense.
  • We depreciate the subject of financing (we have it on our balance sheet).  For you, the lease is an off-balance sheet item.
  • The minimum repayment period depends on the depreciation group of the object of financing.
  • Possibility of insuring the object in instalments.

III. Operating leasing with the purchase of the object at the end (by the client or another party)

  • As an entrepreneur or company, you charge the instalments as a fully deductible tax expense.
  • For selected items (e.g., handling equipment), you can arrange for servicing during the lease period.
  • We depreciate the subject of financing (we have it on our balance sheet).  For you, the lease is an off-balance sheet item.
  • The minimum financing period is not limited by law.
  • Possibility of insuring the object in instalments.

IV. Operating leasing with services for cars and fleets

  • We provide the product to entrepreneurs and companies for passenger cars and commercial vehicles of up to 3.5 t (also for small fleets starting from 1 company car)
  • A number of optional services related to the operation of the financed vehicle are included in the regular monthly instalments.
  • The instalments are a fully deductible tax expense.
  • As a rule, you do not pay a down payment.
  • At the end of the lease term, for which you use the vehicle without worry, you simply return the vehicle to us.  
  • Financing period from 24 to 60 months.
  • 24/7 assistance service.
  • More
  • We offer insurance of the financed items in instalments – car insurance and various types of property insurance from our contracted insurance companies.
  • Through Raiffeisen Broker, s.r.o., we offer insurance outside of financing – car insurance, property insurance, travel insurance, liability insurance, and more.
  • We offer subsidy consulting for funded courses
  • We fund a wide range of items:
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