Leasing
Finance your business investment without an initial outlay
Financing¹
You can obtain up to 100% of the investment in movable and immovable assets that your company needs.
Cost saving
Save yourself the big initial outlay and do not pay VAT on the purchase.
Taxation
The interest payable can be deducted for Corporate Tax or Personal Income Tax (sole-owner companies or self-employed individuals).
Option to purchase
You have the option to purchase the leased goods at the end of the contract.
Lease with purchase option
Leasing allows you to make use of the movable and immovable assets that Unicaja acquires for you according to the needs of your company, in exchange for regular installments over a certain period of time.
Adapted financing
We finance the productive asset that you need, be it furnishings or a property.
Tax advantages
The recovery of the cost of the assets is also a deductible expense for Corporate or Personal Income Tax purposes with certain limits2: double the tax depreciation for large companies, and triple for SMEs. The total depreciated amount may not exceed the amount paid to recover the assets during the financial year.
Duration of the contract
You have a maximum term of 7 years and a minimum of 2 years for movable assets such as machinery, industrial vehicles, office furniture or computer equipment, among others.
To apply for Leasing, you can go to any of our Unicaja branches, where we will be delighted to attend you.
If you prefer, you can also apply for Leasing by filling out an application form and indicating at which branch you'd like to process it. We will contact you shortly.
Remember, if you have any questions or queries, you can call our customer service team on: +34 952 07 62 24.
(1) Granting subject to the bank's criteria.
(2) The tax benefit indicated is general and may be subject to future changes in tax legislation.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).