The financial leasing or operational leasing service enables you to replenish your car fleet with new or second-hand commercial or non-commercial passenger cars.
Buying on lease is available for commercial (class N1*) or non-commercial (class M1*) vehicles:
* According to the applicable EU classification.
Financial leasing
You can buy a car once you have signed a financial lease agreement. Under this agreement payments can be made in two ways:
In both cases the purchased property is included in the company’s balance sheet and is subject to depreciation.
Operational leasing
When you sign an operational lease agreement, for the defined term you are using the vehicle of your choice and pay the lease. Once the agreement has expired, you can either:
The lease you pay to the leasing company is included in the company’s costs.
For new cars | For second-hand cars* |
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Lease term:
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Down payment (deposit) starts from 10% of the car’s market price. | |
The residual value of property at the end of the lease term is established after an analysis of the leasing deal (property, down payment, term and other conditions). | |
You need to get CASCO (Casualty and Collision) insurance coverage for the car you are buying on lease from an insurance company acceptable to SEB Bank. The leasing plus insurance services saves you time and money because we and the insurance company will take care of your car insurance. | |
Repurchase guarantee (compulsory for operational leasing). |
* A second-hand car must be in good technical shape and meet the natural depreciation requirements for property.
For more information about leasing, operational leasing or related services, terms and rates please call
Fees for arranging documentation of a lease agreement | |
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Leasing agreement fee | 1% of the asset value, but not less than EUR 200 |
Additional fee for drawing up an agreement (finance lease, operating lease, purchase and sale, repurchase, etc.) in the English language. | 150 Eur |
Change of the debt roll-over agreement / leasing agreement term | 1% of the outstanding asset value, but not less than EUR 200 |
Agreement amendment or payment schedule change at the customer’s initiative fee or resumption of an agreement | EUR 100.00 |
Change of the leasing payments date | EUR 30 |
Agreement termination and sale of assets fees in the event of termination or expiry of a finance lease or an operational lease agreement | |
Agreement termination fee | 1.5 per cent of the residual value, but not less than EUR 150 |
Sale of assets to the lessee (in case termination or expiry of an operating lease agreement) | EUR 300 |
Sale of assets to the repurchase entity (in case of termination of an operating lease or a finance lease agreement) | EUR 300 |
Sale of assets to a third party in Lithuania | 1.5 per cent of the residual value, but not less than EUR 300 |
Sale of assets to a third party outside Lithuania or sale of assets in case of complete damage | 1.5 per cent of the residual value, but not less than EUR 500 |
Certificate issue and other fees | |
Drawing up of additional documents (sublease, lease, access and other consents, official letters, authorisations, document copies, statements of annual turnover, etc.) or reissue of previously drawn up documents at customer’s request | EUR 20.00 |
Handling of administrative penalty documents as well as other documents received in customer’s name | EUR 10 per each document received |
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compensated by the customer |
For more information about leasing, operational leasing or related services, terms and rates please call
You need to get CASCO (Casualty and Collision) insurance coverage for the car you are buying on lease from an insurance company acceptable to AB SEB bank.
We suggest you choose the leasing plus insurance service, which saves you time and money because we and the insurance company will take care of your insurance.
For more information about leasing, operational leasing or related services, terms and rates please call
You must take care that for the entire lease period the purchased car or other property is in good technical shape and of the same level of delivery (including all accessories) as it was on the date of signing the agreement and that its condition meets the natural depreciation requirements for property.
For more information about leasing, operational leasing or related services, terms and rates please call
Choose a car, obtain a sales offer from the seller and file a completed lease application and other below-listed documents at a SEB bank unit of your choice.
For more information about leasing, operational leasing or related services, terms and rates please call
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