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Car lease application

Annual percentage rate

Car leasing (Operational Leasing)

The annual percentage rate is 4,96% on the following (example) conditions:

  • asset price, including VAT, €23 000;
  • down payment of 10%;
  • residual value of 25%;
  • amount of credit available, including VAT, €20 700;
  • floating interest rate 2,29% per annum + 6 months' Euribor (30.09.2025 6-month Euribor rate was 2,096%; the rate set out in your agreement may change every 6 months; negative Euribor equals to zero);
  • contract fee of €230;
  • contract period of 5 years;
  • number of repayments 60;
  • the sum of repayments €17 380,11;
  • the total cost of the credit €2 430,11;
  • the total sum of the credit €19 910,11.

The rate is calculated on the assumption that the basic amount and the interest will be repaid as monthly annuity payments.
In the case of leasing, you must also take out comprehensive and motor third party liability insurance. The cost of insurance and possible costs of asset registration, state fees, and valuation report fees are not included in the rate of charge.

Car leasing (Capital Leasing)

The annual percentage rate is 4,95% on the following (example) conditions:

  • asset price, including VAT, €23 000;
  • down payment of 10%;
  • amount of credit available, including VAT, €20 700;
  • floating interest rate 2,29% per annum + 6 months' Euribor (30.09.2025 6-month Euribor rate was 2,096%; the rate set out in your agreement may change every 6 months; negative Euribor equals to zero);
  • contract fee of €230;
  • contract period of 5 years;
  • number of repayments 60;
  • the sum of repayments €23 127,63;
  • the total cost of the credit €2 427,63;
  • the total sum of the credit €25 657,63.

The rate is calculated on the assumption that the basic amount and the interest will be repaid as monthly annuity payments.
In the case of leasing, you must also take out comprehensive and motor third party liability insurance. The cost of insurance and possible costs of asset registration, state fees, and valuation report fees are not included in the rate of charge.

If you submit a financial lease agreement application, receive a positive decision by 22 December, and make the first instalment in 2023, your contract will be subject to a 20% VAT rate. In other cases 22%.

application-for-modification
  1. Leasing application
  2. Personal data
  3. Income
  4. Confirmation
Type of vehicle
Make *
Model *
Year of first registration *
Cost of the vehicle *
EUR
Down payment
%
EUR
Origin of down payment *
Type of leasing *
Leasing period (in years) *
years
Residual value
 
EUR
Back-buyer
Payment day

Seller’s details

Seller details / Seller name *
Name *
Phone
E-mail
Data processing:
  • To fulfil responsible lending requirements Swedbank will process your personal data based on this application. In addition, for data provided in this application, Swedbank will assess your creditworthiness by processing data from internal sources and external registers. The data controller is Swedbank AS. Swedbank AS performs processing of personal data in accordance with the Personal Data Processing Principles.
  • If according to available information you will meet Swedbank automated decision criteria, an automated decision will be made for the financial product you are applying. You will have the right to ask the automated decision to be reviewed. In such case, the decision will be reviewed by a Swedbank employee.
Data processing:
  • To fulfil responsible lending requirements Swedbank will process your personal data based on this application. Swedbank will assess your creditworthiness by processing data provided in this application and, in addition, data from external registers. The data controller is Swedbank AS. Swedbank AS performs processing of personal data in accordance with the Personal Data Processing Principles.
  • If according to available information you will meet Swedbank automated decision criteria, an automated decision will be made for the financial product you are applying. You will have the right to ask the automated decision to be reviewed. In such case, the decision will be reviewed by a Swedbank employee.

It is best to complete your application while logged in, as many fields are previously completed. The application enables us to find the most suitable solution for you and make you a personal loan offer.

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Completing an application does not oblige you to sign an agreement. This enables us to find the most suitable solution for you and make you a personal loan offer.

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This is a website of companies offering financial services – Swedbank AS, Swedbank Liising AS, Swedbank P&C Insurance AS, Swedbank Life Insurance SE, and Swedbank Investeerimisfondid AS. Before entering into any agreement read the terms and conditions of the respective service. Consult a specialist, where necessary. Swedbank AS does not provide a credit advisory service for the purposes of the Creditors and Credit Intermediaries Act. The borrower makes the decision of taking out a loan, who assesses the suitability of the loan product and contractual terms to his/her personal loan interest, need and financial situation on the basis of the information and warnings presented by the bank and is responsible for the consequences related to concluding the agreement.