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Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      BBVA LEASING

      The financing of movable or immovable property through rental payments.

      You can choose to purchase the property after the lease contract has ended.
      • Financing up to 100% of the investment amount.
      • No upfront payment for the asset, so you maintain liquidity.
      • The payments are a tax-deductible expense.
      Apply

      How does it work?

      • Service designed for companies and self-employed workers with business in sales, industry, agrarian or services, which need equipment, vehicles, furniture, an office, warehouse or any other goods. 

        We will buy the asset you specify, regardless of the country where it is located (import leasing) or if it is built or under construction, so that your company can then use it in exchange for convenient rental payments, with no large outlays required. Moreover, when the rental agreement ends, you have the option to purchase it. 

        We help you handle the investments you want to make in movable and immovable property, obtaining the highest tax deductions, depending on your tax regime.

        It has the option of insuring the financed assets while covering the entire capital pending repayment in the event of total loss and theft.

      Benefits

      • For your company
        • It is a medium and long-term financing formula (2 years minimum period for personal property and 10 years for real property).
        • Financing of up to 100% of the amount of the investment without taxes, since the Leasing is constituted for the total amount of the invoice excluding VAT/IGIC.
        • You don't need to have funds available to cover VAT/capital gains tax when the asset is acquired, since it will be paid for by the Bank.
        • Tax:
          • Financial charge is tax deductible (without limits).
          • Cost recovery: tax deductible with an annual limit calculated based on applying the coefficient of linear depreciation according to official tables, to double/triple the cost of the asset. The excess that is financially settled and not tax deductible, due to the limit, is not lost, but can instead be deducted in successive fiscal years, respecting the same annual limit.
          • Defer payment of the VAT/capital gains tax over several years: prevents having excess tax to pay in a single year, which is generally not compensated.
        • Payment of the acquired goods, with the added productivity they generate.
        • It facilitates precise calculation of operating costs.
        • At the end of the lease, you can opt to purchase the asset.
        • Compatible with ICO facilities and other facilities (EIB, etc.).

         

      Equipment Leasing

      • If you need different assets for the development of your business activity, with BBVA's Equipment Leasing you will be able to have all of them from the outset, making a regular payment and with no large outlay.

        Buying the assets you need for your business (equipment, transport elements, private cars, furniture in general, computer equipment and office equipment), in exchange for regular payments, and at the end of the lease, you can purchase the goods for the fixed residual value.

        Advantages:

        • This enables accelerated depreciation of the asset. In other words, you can deduct up to two/three times the cost of the asset by applying the straight-line depreciation coefficient taken from official tables.
        • You will not have to pay large initial outlays and, by paying regular installments, you will be able to add assets to the production processes that increase the returns of your business.
        • Possibility of paying the insurance for the asset together with the leasing fee.
        • Less need for working capital, as the bank will pay the tax (VAT, IGIC) for purchasing the assets.

         

        Leasing with deferral

      Leasing under construction

      • It is intended to finance movable or immovable property that is not manufactured or built (furniture or properties) or in which a deferment period of payment has been negotiated with the supplier of the asset.

        Advantages:

        • During this period of the construction or payment referral period, only interest plus taxes will be paid, depending on the payments made to suppliers.
        • The interest paid during the construction or payment deferral period does not form part of the lease price; therefore, stamp duty is not levied on real estate leasing amounts.
        • Prior determination of the payment schedule planned for the initial period is avoided, as is re-settlement based on deviations occurring in the planned schedule.

      Final payment leasing

      • In this financing formula, the final lease payment is the highest. Therefore, the amount to be paid in the rest of the payments is reduced.

        This lets a wide range of costly equipment be financed: printing of graphic artwork, forklift trucks, dumpers, bulldozers, tunneling equipment, cranes, heavy trucks, trailers and semitrailers, trains and carriages, boats and aircrafts. 

        The minimum term for this operation is 2 years and the maximum will depend upon the type of asset.

        Benefits

        • 100% of the investment is financed, with or without initial disbursements.
        • Convenient payment method during the financing period thanks to lower payments.
        • Tax deductible.
        • Flexibility at leasing expiry:
          • Possibility of paying the installment and residual value, thus acquiring the asset.
          • Possibility of refinancing the pending capital and residual value in a new operation. 
          • You will have the possibility of renewing the equipment through the financing of a new leasing operation, delivering the previous one to the distributor on account.

      Agroleasing

      • This is a financing formula using lease financing with purchase option, intended for all kind of companies dedicated to farming, forestry and cattle-rearing activities, and that allows the leasing of farming and non-farming machinery, photovoltaic installations or stocks of pigs and cows.

        The minimum financing term is 24 months and the maximum is 6 years for machinery, 5 for cattle and 14 for photovoltaic panels.

        Advantages:

        • These production investments can be self-financed by the yields obtained by using the asset, with no initial disbursement.
        • Compatible with government subsidy and grant programs.
        • Lets a formerly unproductive asset become profitable (ceilings or roofing) with earnings guaranteed by law.
        • Investment guaranteed against theft of livestock, accidental death and civil liability, as an owner with the Compulsory Livestock Insurance.

      Property leasing

      • This financial lease formula is designed for companies working in commercial, industrial, farming or services activities, making it possible to finance immovable property linked to their business, whether the property has been built or is under construction.

        After the financial leasing period ends, you can exercise the call option established in the contract.

        Tax benefits

        • Early repayment depending on the size of the business and the tax depreciation of the asset. 
        • For companies that, due to their activity, pass on high taxes to third parties, the tax they bear via leasing payments helps them to offset it.
        • You can save on taxes when purchasing certain properties.

         

        Multi-purpose property leasing final installment

      Apply for Leasing

      Apply

      Are you looking for another type of business loan?
      If this is not the product you were looking for, don't worry. We'll help you choose the one that best suits your needs with our financing adviser.
      Go to the adviser

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      Be a BBVA customer.

      • At BBVA, we want to help you grow your business by offering the financing you need.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Add your banks to the BBVA app

      • I have a company
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      Discover the BBVA Company Aggregator

      Add and manage all your business bank accounts in one place.

      Manage all your accounts, make better decisions, and save time for your business.
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      Your other banks

      Add your other banks to the BBVA app.

      View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.
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      Banco Bilbao Vizcaya Argentaria S.A. 2022

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