Financing
options

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:
  • Cars and commercial vehicles on credit and operating leasing
  • Transport equipment
  • Machinery and equipment
  • Commercial properties