 F.A.Q. LEASING
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1. What is the value of the asset?
The initial value is the ingoing value of the asset and includes its purchase price, according to the invoice issued by the supplier or to the customs statement, as the case may be, to which all the relevant costs regarding importation, customs payments, taxes and charges established by the law are added, as well as transportation costs and other additional costs, if they are not paid separately by the user or by a third party, based on a separate convention.
2. What are the payment methods for the leasing installments?
Payments are performed each month, according to the payment schedule attached to the leasing contract. Payment is made by payment order or promissory note.
3. Is it possible to pay the leasing installments in advance?
There can be anticipated payments of the leasing installments. For that purpose, an additional deed to the leasing contract shall be signed and a new payment schedule shall be elaborated for the outstanding leasing installments.
4. Can the asset be purchased before the expiry of the leasing contract?
The user has the right, based on a written consent of Alpha Leasing Romania IFN, even before the expiry of the leasing contract, to purchase the asset, but not earlier than 12 months, according to the legal provisions in force. In this case, the cost of this transaction shall be equal to the amount of the future installments, to which the discount rate is applied, as defined in the annex regarding the asset for which the acquisition right is exercised, plus the corresponding residual value upon the expiry of the leasing contract.
5. Can the length of a leasing contract be changed?
Upon the user’s request, the length of the leasing contract can be changed by shortening or extending it and by consequently rescheduling the leasing installment payments.
6. What happens in case of theft or total destruction of the financed asset?
If the asset is lost, stolen, destroyed or suffered irrecoverable damages, regardless of the reasons, the user shall promptly inform the financer on the occurred situation and shall pay to the financer the entire amount representing the damages caused by this situation. The user shall be able to recover the damages from the insurance company.
7. Can the user drive the vehicle outside the country during the period of the leasing contract?
Upon the request of the Alpha Leasing Romania IFN customer, a statement is issued, expressing the consent with regard to the user’s temporary leave outside the country in that particular vehicle.
The conditions that the user must observe are the following: he must not have delayed leasing installments and the vehicle insurance must be valid for the entire period of the travel abroad (for damages and theft).
8. In case the customer is not in Bucharest, what is the procedure?
The customer must contact any of the Alpha Bank branches in the territory, where he shall receive all the necessary details and find out where can all the formalities regarding the signing of the leasing contract take place.
9. Where can I announce changes of my headquarters address?
You may notify us about your new headquarters address by sending an e-mail to:
marketing@alphaleasing.ro or credit@alphaleasing.ro
10. What are my benefits if I choose a real estate leasing instead of a credit?
The main advantages of a real estate leasing are the following:
- The financed asset represents the only guarantee of the transaction.
- In the financing process the VAT corresponding to the value of the property it is not taken into consideration.
- From the leasing instalment are deductible the following: the value of the depreciation, the value of the interest and also the value of VAT.
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