Terms and conditions, Procedures and Documents
Terms and conditions for financial lease:
- Financing currency is in EUR and ALL.
- Financing u to 90% of purchase value of the asset
- No limit in financing value
- Tenor of financial lease varies from 12 months up to 120 months.
- Competitive interest from 4% up to 6.5% in EUR ccy.
- Monthly installments is compound from principal and interest
- Asset financed serves as collateral for securing the financial lease, being purchased with full casco insurance.
- Flat fee up to 1.5% of financed value.
Procedures:
Procedures for realizing a financial lease agreement is very simple and quick one, and does not required additional collateral as in Bank financing cases. It consists as following:
- You select the asset, subject of financing near the producer or authorized dealer.
- You provide the required documents needed for financial lease approval, as per request and procedures in place of Raiffeisen Leasing Sha.
- After the approval of financial lease and signing of leasing contract, ju should make the payments for: Down payment, flat fee, casco insurance and other expenses related to the transaction.
- During the asset handover of the financed asset, you will sign the acceptance protocol for the asset.
Documents for all applicants:
- Offer form seller ./ dealer
- Application form for financial lease, fulfilled and duly signed from the applicant (at Raiffeisen Leasing Sha premises)
- Identification document
- Driving licenses (for cars)
- Family certificate
List of Documents for Employees
- Salary declaration from employer
- Same documents for the co-lease/s.
List of documents for Physical & Juridical Persons (Copy)
- Financial statements and monthly sales declaration.
- For Physical Persons that do not deliver Financial statements, annual declaration of profit tax
- Statement form e-albania related to the tax obligation of company.
- Identification documents for administrator and owner/s of the company
- NCR copy, Statute and Foundation Act.
- Copy of business licenses/ if applicable
- Other documents that can be requested from RLAL during decision process.
