Boats

Boat financing

Do you long for some relaxation after a busy working week? Has it crossed your mind to spend a nice, sunny weekend at the seaside? Do you like spending you free time actively? Would you like to visit new places and meet new people? Would you like to wake up on your own beach? If you answered yes to the questions above you have certainly already been thinking about the possibility of a boat or a yacht.

Stop with a long term planning of your future holidays, with your own boat you will be spending your holiday anywhere and anytime you desire.

When you do not use your boat, you may let it out for rent and thus partly cover the costs of leasing, marina and maybe part of the costs of your holiday.

We are offering financing of boats sailing under the Slovene flag for individuals and companies. Do not hesitate to call us for further information. We will be happy to offer you our advice.

What is leasing?

The term "leasing" is derived from the English verb "to lease", meaning "to let out on hire" or "to take rent of, or to hire ". In Slovenia the word "leasing" has different connotations. The accountants call it "najem – rent", while the Decree on the standard classification of activities refers to it as "zakup – a lease".

In each case the term designates a special form of financing for the usage of equipment and immovable property. It is neither strictly rent nor strictly a loan, although it comprises the elements of both. The subject matter of the agreement is transferred for use to the lessee (upon the receipt of certain compensation and for a limited period of use). The lessor thus buys the subject matter of the agreement and rents it for the use of the lessee. The latter pays rent for its use according to the leasing agreement. The lessor is the owner of the subject matter throughout the entire period of the leasing agreement. With the expiry of the contractual relationship, the lessee has the option to buy the subject matter.

The difference between leasing and credit

The difference between leasing and credit is in the collateral on the creditor's claim. In principle leasing does not require the acquisition of additional sureties or collateral, since the guarantee for the movable or immovable property, which is the subject matter of the leasing agreement, is itself the lessor’s property right.

Advantages of leasing

The approval procedure is quick and simple, while applicants with poor creditworthiness stand a chance as well. The leasing instalment can be adapted to the cash flow of the lessee.

Leasing facilitates the faster upgrading and replacement of equipment and vehicles with new ones with no "financial shocks" and does not have a negative effect on the credit standing and credit worthiness in the company's balance sheet.

Upon signing the leasing agreement the lessee receives certain benefits (favourable insurance with a 50% commercial discount and commercial campaigns with additional discounts from vehicle suppliers).

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