Financial lease
Financial Lease or business lease at Van den Hurk is a special product for entrepreneurs who want convenience and security. With Financial Lease you do not have to use your own financial resources and the financing is separate from your other business financing.
You can determine the term yourself that matches the depreciation and lease period of the object. Because the interest you pay for your Financial Lease agreement is determined in advance, you have a fixed monthly lease amount. The interest remains unchanged during the term of the contract. So you know exactly where you stand. Clear and transparent. In short, no opaque financial constructions, but a fixed repayment amount, a fixed term and a fixed low interest rate.
The vehicle to be leased will appear on your balance sheet under the name of Financial Lease. You are the owner of the car from the first lease installment. You pay a fixed monthly amount for your Financial Lease, as the interest rate remains unchanged for the duration of the contract. In other words, it is very transparent.
You can lease the car up to the purchase price excluding VAT. You can reclaim any VAT directly from the tax authorities, as you are the economic owner. Trade-in or partial payment are also possible. Furthermore, you can include a final payment in the agreement equal to the real residual value. This makes the lease term even lower. We do not require any other guarantees than the vehicle that you lease. The car costs, such as repairs, maintenance, insurance and vehicle tax, are for your own account. As the economic owner, you therefore have full control over these.
There is often some confusion about 'lease products'. That is why we have listed a number of frequently asked questions with a clear answer.
Why do you need so little information?
The reason we need so little information for an application is that we work differently. Our goal is to make it as easy as possible for the customer. You have to provide everything to the bank, we request everything.
Why do you need so little information?
The reason we need so little information for an application is that we work differently. Our goal is to make it as easy as possible for the customer. You have to provide everything to the bank, we request everything.
Why do you need so little information?
The reason we need so little information for an application is that we work differently. Our goal is to make it as easy as possible for the customer. You have to provide everything to the bank, we request everything.
Why do you need so little information?
The reason we need so little information for an application is that we work differently. Our goal is to make it as easy as possible for the customer. You have to provide everything to the bank, we request everything.
Why do you need so little information?
The reason we need so little information for an application is that we work differently. Our goal is to make it as easy as possible for the customer. You have to provide everything to the bank, we request everything.
Why do you need so little information?
The reason we need so little information for an application is that we work differently. Our goal is to make it as easy as possible for the customer. You have to provide everything to the bank, we request everything.
Why do you need so little information?
The reason we need so little information for an application is that we work differently. Our goal is to make it as easy as possible for the customer. You have to provide everything to the bank, we request everything.
The reason we need so little information for an application is that we work differently. Our goal is to make it as easy as possible for the customer. You have to provide everything to the bank, we request everything.
The security we have is the car. That forms the collateral for us. If you get into financial difficulties and can no longer meet the payment obligations, we will recover this from the car. This gives you and us security.
We do as much business as possible by phone and e-mail. This allows us to save considerably on offices and reception staff. We of course calculate this to be able to offer you the cheapest possible deal.
Yes, you can repay early. As a penalty you will then pay 10% of the missed interest.
A BKR code from the past does not have to be a problem, as long as it has been resolved. Unfortunately, we cannot help you with a code that is still in progress.
You can pay as much down payment as you want. The higher the amount, the lower the monthly amount. The prices mentioned on this website are without down payment.
Of course you can trade in your car. We always offer a fair and good price for your old vehicle.
A final payment is the last payment. This amount is always higher than the monthly payment. If you want, you can then trade in the car again. The residual value of the vehicle will be approximately equal to the final payment. You can also choose to trade in the car and enter into a new contract. You then do not pay the final payment. Or you can hand in the car if you want so that, based on the value at that time, you do not have to pay a final payment at all.
The annual interest rate is approximately 8.6%
The interest is indeed tax deductible. The investment deduction is 28% of the interest. The actual interest you pay is therefore around 6.2%.
You are the owner from the moment you have paid the first installment. The car is also debited on your company balance sheet and the financing is credited.
Because you are the economic owner of the car, you can put as many stickers on it as you like.
If you choose Financial Lease, you pay a fixed amount per month. This way, you know what you will spend per month. You also do not have to pay a large amount at the beginning and you keep your finances in order.
Especially for starters, Financial Lease is the best method to purchase a (company) car. As a starter, you already spend a lot of money on all sorts of other things. With Financial Lease, you have the advantage that you do not have to pay even more large amounts at once.
For ZZP´ers Financial Lease is a solution. It is almost never convenient to make large expenses. With Financial Lease you spread your expenses and you know what you pay. This way your finances remain under control.
You will receive the VAT back with your first return. You pay this in advance, as it were, just like with the rest of your business expenses.
No, you pay the VAT directly when purchasing the car, you will then get the full amount back with the first declaration. Because you have already paid the VAT, there is no more VAT on the monthly amount.
No, Financial Lease is a bare lease form. This way you can arrange your insurance as cheaply as possible and your claim-free years are also taken into account. The ownership tax is also at your own expense.
Here comes the lease calculator
Here comes the stock module!
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