LEASING, RENT PURCHASE AND RENTAL
We think differently than most others
WE HAVE EVERYTHING YOU NEED TO SUCCESS:
- GFL GMBH offers its partners a broad portfolio of financing options.
- Leasing with KM or residual value settlement in the car sector, also for boats, machines, production plants. We always have the right solution for you.
- Hire-purchase is another alternative to leasing and is increasingly desired by corporate customers
- We also offer our commercial customers classic financing at excellent conditions.
- We cooperate with several German and international banks.
- A fast and unbureaucratic processing as well as a fast payment is our top priority
TO MAKE THE RIGHT DECISION
Is leasing or hire-purchase better?
Since on the one hand there are some similarities, but on the other hand there are also few differences, the question arises when comparing hire purchase and leasing as to what is more advantageous for private individuals or companies. Basically, hire purchase is a combination of leasing and credit purchase, so that the corresponding advantages are combined. Nevertheless, leasing is usually the better option for companies and the self-employed, which is mainly due to accounting reasons. The asset is not included in the balance sheet of the customer and lessee, so that no additional debt arises.
However, hire purchase can also be more advantageous, especially for smaller companies. If the equity amounts to no more than 335,000 euros, the special depreciation for medium-sized companies can be used. This is higher in the first year of the respective hire purchase than if a so-called deduction profit is made on the basis of any leasing installments. Another advantage of hire purchase is when companies and the self-employed want to take advantage of certain subsidies, which are particularly available in the eastern federal states. The prerequisite is that you are the owner of the goods, which only applies to hire purchase and not to leasing.
SHORT AND SIMPLY EXPLAINED
What is hire purchase?
Hire-purchase is simply the purchase of an item or service on a credit basis. So you buy a certain object, balance it (as a self-employed person or company) and usually pay off the corresponding purchase price in the form of monthly installments. In this case, the lender is also often a leasing company, whereby a major difference to leasing is that ownership of the item is automatically transferred to the hire purchaser when the contract is due.
What is leasing?
The big difference between leasing and hire-purchase is that with leasing you do not purchase and pay off a corresponding good, but only rent it for use for a certain period of time. This also means that the corresponding material value remains the property of the landlord. As a lessee, you have the opportunity to choose the appropriate item and determine some properties when leasing. A leasing company will then let you use the leased item. If you would like to become the owner of the object after the leasing contract has expired, this must be agreed separately. However, there is no automatic transfer of ownership as with hire purchase.
THIS IS IMPORTANT !
WE OFFER YOU
- Fast and unbureaucratic processing in the field of leasing, hire purchase, financing.
- Investments or participations can also be requested via GFL GMBH, we are open to everything and make quick decisions.
- We have the right financial solution for every industry.
- Use our form to contact us
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