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Evaluation of financial opportunities
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The first step is an assessment of needs and financial possibilities. It is important to remember that in addition to leasing payments, vehicles will also have other related costs, for example, the car will have to be insured and an annual operating tax must be paid back. Their amount depends on the car’s year of manufacture, make and model, engine capacity. You must also take into account the recent increase in the Euribor rate, which can increase the monthly payments.
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We should not forget about car maintenance, which directly depends on the car model, for example, for different vehicles it should be done more often – every 15,000 kilometers driven.
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Regarding car leasing, it is recommended to consult a leasing specialist, as it will be easier to choose both the car model and the most suitable type of leasing.
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The leasing process is not complicated – if the dealer has concluded a cooperation agreement with the leasing company, then the client can also conclude a leasing agreement for the purchase of a new car at a car showroom. It should be taken into account that for the purchase of a used car, a vehicle appraisal will be required for leasing, which can be provided by appraisers accepted by the leasing company. For the purchase of both new and used cars, you will also need to fill out a leasing application and present a valid identity document – passport or ID card. If the car is purchased by a legal entity, it will be necessary to attach the previous year’s financial statement for both used and new cars for leasing.
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According to R. Bāle, the leasing review process is very fast – often the answer is received already on the same day. If a more expensive car is chosen or the client has other credit obligations, the review period may be a little longer.
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