Passenger Cars and light commercial vehicles

Your dream car, only a step away from you

Choose your dream car, new or used, and calculate the installment from the comfort of home.

Financing opportunities for:

  • Private individuals
  • Micro Businesses
  • Small and Medium businesses
  • Corporates

General information

A financial leasing contract indicates a commercial arrangement where the lessee (customer) selects an asset and lessor  will purchase the asset, which asset the lessee utilizes in exchange for a series of instalments paid to the lessor for a specific amount of time. Once the lessee fulfils all the contractual obligations, acquires full ownership of the asset.

The Financial Lease includes three main stakeholders:

  • Lessor - leasing company
  • Lessee - Customer/The user of the asset
  • Vendor of the leased asset - asset manufacturer or seller

Advantages of leasing:

  • Financing without collateral or additional mortgage
  • No need for guarantor
  • Quick approval procedures
  • Competitive interest in the market
  • Automatic transfer of ownership rights after final installment payment

General terms and conditions

For new cars and light commercial vehicles:

  • Down payment: 18% (minimum)
  • Duration of the leasing contract: 72 months or 6 years (maximum)

For used cars and light commercial vehicles:

  • Down payment: 20% (minimum)
  • Duration of the leasing contract: 60 months or 5 years (maximum)

For motorcycles:

  • Down payment: 35% (minimum)
  • Duration of the leasing contract: 36 months or 3 years (maximum)
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Documents required to apply for leasing

For private individuals:

  • Vendors' Offer / Pro-Invoice/ Pre-contract of purchase-sell for the leased asset (in the name of Raiffeisen Leasing)
  • Leasing Application (completed and signed)
  • Valid Identification Document: Identity Card or Passport issued by the MIA of the Republic of Kosovo 
  • Driver's license (only for cars)
  • Verification by the employer that determines the gross monthly payment, position and duration of work (Lien on salary)
  • The contract of employment issued by the employer
  • KEK electricity bill, not older than 3 months (If the bill is in the name of another person, then the identity card of the person in whose name it was issued is also required).
  • Current bank account balance (6 months)

For legal entities (businesses):

  • Vendors' Offer / Pro-invoice for the leased asset (in the name of Raiffeisen Leasing)
  • Leasing Application (completed and signed)
  • Valid Identification Document: Passport, Identity card issued by the MIA of the Republic of Kosovo for owners and authorized persons
  • Driver's license (only for cars)
  • Business Registration Certificate issued by the Ministry of Trade and Industry (not older than 3 months)
  • Information on registered Business in the Ministry of Trade and Industry www.arbk.org (not older than 3 months)
  • VAT registration certificate (if the company is registered with VAT)
  • Statute of the company (signed and stamped, if the company is registered as an LLC or JSC)
  • Financial Statements (1. Balance sheet and 2. Income statement for the year 2018, 2019 and 2020)
  • Description of the business (operations, clients, activities, competition, etc.)
  • Loan contracts with other banks (if any)
  • Current contracts and References
  • Current account balance in other banks you cooperate with (last 6 months)
  • Taxpayers status, issued by Tax Administration of Kosovo.
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Leasing Calculator

This calculator is for illustrative purposes only and does not include administrative costs and asset insurance costs. For more detailed information about the leasing terms please contact us at 038/222 222 ext. 340/341 to schedule an appointment with one of our sales agents.