Business green car leasing
Leasing for companies buying new or used electric cars or cars emitting 1–95 g CO₂/km, with a published electric-car margin from 1.49% plus six-month Euribor.
Ta możliwość jest obecnie dostępna po angielsku.
You can finance a passenger car or a commercial vehicle up to 3.5 tonnes. New and used electric cars qualify at 0 g CO₂/km. The reduced-emission offer also covers new and used hybrids and cars with a low-capacity combustion engine emitting 1–95 g CO₂/km. Swedbank uses WLTP vehicle-test data; check the car’s fuel-economy and environmental label for its emissions figure.
With finance leasing, you pay the car’s purchase value and interest over the lease period and become its owner at the end. The page also describes a lease option where you return the car to the buyback provider or buy it for its remaining value.
The minimum financed amount is €10,000 and repayment can run for up to six years. For electric cars, the interest margin starts at 1.49%, with six-month Euribor added. The lease-granting fee is 1.5% of the vehicle price, at least €130, plus VAT. Standard document processing is free; a nonstandard agreement or an agreement drafted in a foreign language costs €213 plus VAT.
Eligibility
- Your company’s equity—the value of its assets minus its liabilities—must not be negative. Swedbank assesses its ability to generate profit, cover additional liabilities and demonstrate sufficient turnover or a future project with good turnover potential. The bank also reviews the payment history of your company, related companies and key officials.
- Keep your anti-money-laundering questionnaire up to date and tell the bank about changes to your company’s name, ownership or business activity.
- The car must meet the emissions criteria above and be no more than 15 years old at the end of the lease.
- The down payment starts at 10%. With the InvestEU Micro Guarantee, it can start at 5%: this guarantee covers financing up to €50,000 for companies with up to nine employees and annual turnover up to €2 million or a balance-sheet total (total assets) up to €2 million. The guarantee is free; request it from your bank contact or in your application.
- You need valid CASCO cover for damage to the car and compulsory motor third-party liability (MTPL) insurance. If CASCO is provided by an insurer other than Swedbank P&C Insurance AS, send a policy copy to naan@swedbank.lv.
How to apply
- Status
- Nabór ciągły
Apply through Swedbank Latvia’s business Internet Banking or request a consultation on its car-leasing page. If you buy a used car from a seller who is not a Swedbank partner dealer, submit a vehicle valuation. Sign the agreement through Internet Banking or at a branch, pay the down payment and fees, and re-register the car with CSDD, Latvia’s vehicle-registration authority. Arrange the required insurance.