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Commercial Transport Lease

Commercial Transport Lease

Favourable Financing Conditions for Commercial Transport Purchase

  • Cargo trucks, specialised transport, semi-trailer trucks, trailers and semi-trailers
  • Buses, minibuses and small commercial transport
  • Trams and trolley buses

Please apply for a free advisory meeting to learn more and to get a leasing offer.

Financial Lease

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.

Operating Lease

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.

Comparison of the types of 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 - starting with 10 %.

Term of lease - 6-84 months.

At the end of the lease the leasing object's age cannot exceed 10 years.

  1. Selection of leasing object.
  2. Submission of documents at any branch of SEB bank or electronically by mailing to: seblizings@seb.lv.
  3. SEB leasing shall review your application within 1 – 2 business days and inform on the conditions of financing.
  4. Lease transaction documents shall be signed.
  5. You shall perform the payment of the first deposit and the commission fee.
  6. The registration of the leasing object with the Road Traffic Safety Directorate or State Technical Control Agency (for objects that are subject to registration).
  7. Insurance is processed.
    You may inquire regarding insurance on especially advantageous terms by calling on the informative number +371 26668777, writing to seblizings@seb.lv or at any branch of SEB bank.
  8. You receive your leasing object from the seller.
  9. Further on SEB leasing shall send the monthly lease payment invoice electronically or by mail every month.

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