What is Financial Leasing?

Leasing is the financial instrument where the Lessor (Intesa Sanpaolo Bank Albania) provides an asset for the client (referred to as Lessee) for a specific time, asset to be used in order to earn income from business operations & with the possibility that at the end of the leasing period the Lessee is going to become the owner of the asset.

Intesa Sanpaolo Bank Albania offers the opportunity to acquire, through Financial Leasing Transport Vehicles, more than 7.500kg.

Which is the purpose of Financial Leasing?

The main purpoe is financing the acquisition of an asset for a certain fee as specified in the lease agreement. The ownership is transferred to the Lessee under certain conditions & for an agreed period, entitling the lessee to purchase the lease asset. With Financial Leasing the legal ownership remains to the Lessor, while the Lessee enjoys the right to economic usage of the asset.

Transport Leasing for Businesses | Intesa Sanpaolo Bank Albania

Transport Leasing Features

Fiscal Advantages

Lease payments are deductible expenses & VAT refunded

Renew your asset

In order to increase the Investment Value & your Business

Your Liquidity is totally safe

You only need to budget the Lease monthly payment

Choose freely the vehicle & supplier

Thanks to the suppliers' independence, You get the best offers

Pay as you earn

Pay your installment using the income generated from lease asset

Financial Leasing

Transport Vehicle Leasing: Trucks, Trailers & all other machines on wheels.

This category includes all vehicles with a Driving License, type C, D, E & F, that can be used for both kind of transportation (goods & people).

Their weight is over 7,500 kg.

Terms & Conditions:

Tenor of the Lease Agreement 24 up to 84 months
Collateral / Co-Borrower / Guarantor Not applicable
Type of Insurance CASCO & TPL
Currency LEK & EUR

How it works?

Choose the asset

You choose the asset & supplier and negotiate the purchase price

Submit the forms

We will process the application as soon as possible

Sign the agreement

Upon approval, we will prepare the necessary documents for signature

We order the asset

Ownership will be transferred by the supplier to the Bank (Lessor)

We pay the supplier

We pay the total bill directly to the current account of the supplier

Delivery

You will take the delivery

Payment method

Pay fixed monthly installment

Learn more about Transport Leasing

Conserve Working Capital or invest in other opportunities.

The business makes money by using the asset – not owning it: As opposed to regular rent operations, on the expiry of the lease term the asset becomes the Lessee’s property.

Buyout symbolic price: The Lessee acquires ownership of the asset upon expiry of the lease term without the payment of any premiums, only EUR 1.

We deliver consultancy services thereby minimizing the acquisition risk and, if necessary offer appropriate payment instruments.

Fiscal advantages: Throughout the financial lease period the asset is carried & amortized in the balance sheet of the company. Improve your balance sheet ratios by holding off asset & lease liability.