Please apply for a free advisory meeting to learn more and to get a leasing offer.
Suitable, if you plan to use the car for a long period of time and receive the car into ownership at the end of the term of the lease.
On your assignment, SEB leasing purchases the car you have chosen from the seller and leases it out to you for a certain period of time; SEB leasing draws up an invoice regarding the lease payment and interest on the loan every month. The financial lease is entered into the balance as an asset. At the end of the term of the lease 100 % of the value of the car has been paid out and the car is transferred into your ownership.
Suitable, if you plan to use the car for a certain period of time and return the car at the end of the term not caring about selling it.
On your commission, SEB leasing purchases the car that you have chosen from the seller and leases it out to you for a certain period of time. SEB leasing draws up an invoice regarding the lease of the car every month. The operating lease is entered into the balance as expenses.
At the end of the term of the lease you shall return the car to SEB leasing by submitting it in a technical condition that conforms to the natural depreciation of the car.
If you wish to use the car for a longer period of time, you may replace the operating lease with a financial lease.
You may review the comparison of the costs of the types of lease. A simplified graph of the costs for the leasing of a car with a price of EUR 10,000 (incl. VAT), the term of lease 5 years, the first deposit 10% and the interest rate 2.5% + 3 months. EURIBOR. The residual value in the case of an operating lease is 25% of the purchase price.
The example has informative significance only.
All numbes are indicated including VAT
*The annual interest rate in the calculated sample is 3.49%
Please apply for a free advisory meeting to learn more and to get a leasing offer.
The minimum sum of funding: | 7 000 EUR |
First deposit: | |
- for new cars | starting from 10% |
- for used car | starting from 20% |
Term of lease: | up to 7 years |
At the end of the lease the car's age cannot exceed 13 years. | |
CASCO insurance is mandatory during the agreement term. |
If you plan to buy or have already bought a new or used vehicle, commercial vehicle, industrial or agricultural machinery for your company with leasing financing, we will take care of its insurance. In cooperation with If P&C Insurance AS Latvijas filiāle we offer special terms for CASCO, MTPL and Special machinery insurance.
CASCO insurance will cover the unexpected costs incurred by your car:
CASCO insurance provides comprehensive protection and allows you to feel safe on the road. Choose the most suitable insurance protection for your car – KASKO SILVER or KASKO GOLD.
If you are using financing of SEB līzings and want to receive CASCO insurance offer from If P&C Insurance AS Latvijas filiāle, please contact our partner If Insurance by calling +371 67094088 or write to seb@if.lv.
Before renewing CASCO insurance policy, please verify that it meets the following criteria:
Please send your CASCO insurance policy to or deliver it to any SEB branch.
In order to participate in traffic, owner of a car needs Motor Vehicle Owners' Compulsory Third Party Liability Insurance or MTPL.
MTPL insurance will protect the owner of the vehicle or its eligible user from unexpected costs and will compensate for the damage caused to the health, life and/or property of third parties as a result of a road accident. The MTPL insurance policy compensates the injured person for both material loss and non-material damage (moral damage) in accordance with the insurance limits specified in the MTPL Law.
If you are using financing of SEB līzings and want to receive MTPL insurance offer, please contact our partner If Insurance by calling +371 67094088 or write to seb@if.lv.
Special machinery is agricultural, construction, forest or industrial machinery with equipment, primarily used in specially designated areas, including outside of road traffic.
Insurance of special machinery will cover the unexpected costs incurred by machinery:
or
If you are using financing of SEB līzings and would like to receive a Special machinery insurance offer from IF P&C Insurance AS Latvijas filiāle, please contact If support team by calling +371 67094088 or writing to .
Before renewing Special machinery insurance policy, please verify that it meets the following criteria:
Please send your Special machinery insurance policy to or deliver it to any SEB branch.
Information about the distributor of insurance products (LAT)
In force from | In force to | |
---|---|---|
Lease application for business (LAT) |
03.09.2019
|
In force
|
Lease guarantor application (LAT) |
25.05.2018
|
In force
|
Lease obligations transfer application (LAT) |
13.02.2017
|
In force
|
Lease agreement termination application (LAT) |
02.10.2018
|
In force
|
Operating lease agreement termination application with a final invoice for a third party (LAT) |
05.06.2018
|
In force
|
Financial lease agreement termination application with a final invoice for a third party (LAT) |
05.06.2018
|
In force
|
Security deposit repayment application |
13.02.2017
|
In force
|
Power of attorney application (LAT) |
19.08.2019
|
In force
|
Power of attorney application for vehicle deregistration (LAT) |
05.02.2018
|
In force
|
Insurance policy termination application (LAT) |
13.02.2017
|
In force
|
Financial lease general terms and conditions (LAT) |
31.05.2019
|
In force
|
Operating lease general terms and conditions (LAT) |
31.05.2019
|
In force
|
In force from | In force to | |
---|---|---|
Financial lease general terms and conditions (LAT) |
25.05.2018
|
30.05.2019
|
Operating lease general terms and conditions (LAT) |
25.05.2018
|
30.05.2019
|
Financial lease general terms and conditions (LAT) |
01.06.2016
|
24.05.2018
|
Operating lease general terms and conditions (LAT) |
01.06.2016
|
24.05.2018
|
Services | Fees |
---|---|
Lease application review | Free of charge |
Fee for the preparation of leasing agreement |
1,5% of the price of leasing object, min 150.00 EUR (incl. VAT) |
Additional commission for preparation of leasing agreement in 2 languages (Latvian and English) | 150.00 EUR (incl. VAT) |
Changes in leasing agreement or payment schedule by clients' initiative | 150.00 EUR (incl. VAT) |
Issuing of documents (accounting statements, etc.) and issuing of document copies from archive by clients' initiative | 34.00 EUR (incl. VAT) |
Issuing statements of paid contract interest (submission to Rural Support Service) |
11.00 EUR (incl. VAT) |
Issuing power of attorney for going outside borders of the Latvian Republic for one person | 30.00 EUR (incl. VAT) |
Fee for sending invoices via post | 3.50 EUR (incl. VAT) |
Fee for leasing repayment before the term incl. additional invoice issuing for partial repayment |
1,5% of the issued outstanding lease amount, min 50.00 EUR (incl. VAT) |
Fee for leasing repayment before the term cancellation | 34.00 EUR (incl. VAT) |
Fee for preparation, formatting or coordination of documents in case of the refinancing of leasing in another finance institution (agreements, contracts and their changes, requests, applications and others) |
1,5% of the outstanding lease payments, min 260.00 EUR (incl. VAT) |
Fee for renewal of lease agreement by the Customer initiative without changes in the leasing agreement1 | 95.00 EUR (incl. VAT) |
Commission fee for giving consent to transfer a vehicle to a trading company | 34.00 EUR (incl.VAT) |
Fee for uninsured Lease object monitoring2 | 12.10 EUR (incl. VAT) |
1 In cases when expropriation process of leased asset is not started.
2 The fee is charged if the Lease object is not insured for more than 30 days.
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