Operating Lease
Below you will find some information about the rental and, at the bottom of the page, the button to start the formal request.
Operating Lease (rental)
Terms starting from 15 months (24/36 recommended for the best instalment/renewal ratio)
Frequency: monthly, quarterly or longer instalments, on request
Eligible products: hardware, software and various services
The advantages of an operating lease over financial leasing are many and interesting:
Possession and use of the asset, not ownership of the asset
Payment of a monthly fee for the whole duration of the contract (12-48 months),
possibly including support services
Full tax deductibility of the fees paid in the year, regardless of the contract duration
Full deductibility for IRAP purposes as well (unlike financial leasing there is no capital/interest split)
No reporting to the central credit bureau.
Renting is economically more convenient than buying outright: given fast technological obsolescence,
IT equipment depreciates faster than its fiscal and statutory amortisation.
The result is a slower technology renewal process, which worsens the user's efficiency and competitiveness.
Buying outright has a negative impact on liquidity, budget, credit lines, disposal costs and tax treatment.
Renting is economically more convenient than leasing, because leasing does not allow replacing or
adding equipment during the contract to keep the IT system up to date:
it is simply deferred payment, with the disadvantage that at the end of the contract the user redeems equipment that is by then obsolete.
At the end of the rental the user has the following options:
- continue renting at reduced fees
- start a new rental
- return the rented equipment
- purchase the rented equipment
Rental fees also include spare parts
(if the rental includes support contracts)
and
All Risk insurance (theft and fire)
Here you can find a non-binding example of an instalment on a €4,000 financing
To access the operating lease you need:
a copy of the legal representative's identity card
tax code
company details (VAT number, IBAN for direct debit)
the VAT number must have been active for at least 3 years
NB:
the rental application and the rental itself are managed by third-party companies.