General Information

A financial leasing contract indicates a commercial arrangement where the lessee (customer) selects an asset (vehicle, equipment or real estate) and lessor (RLKO) will purchase the asset, which asset the lessee utilizes in exchange for a series of installments paid to the lessor for a specific amount of time. Once the lessee fulfills all the contractual obligations, acquires full ownership of the asset. During the tenor of the financial lease contract the lessor is the legal owner of the leased asset, where as the lessee has economic ownership.


The Financial Lease includes three main stakeholders:

  • Vendor of the leased asset (manufacturer or seller)
  • The user of the asset, which is the recipient of the lease,
  • Lessor (leasing company).








  Raiffeisen Leasing Kosovo LLC "UCK" Street no. 222, 10000 Pristina, Kosovo   Tel:+383 38 222 222 ext 340/341