$ Buy : 574.00 • Sell : 587.00
BCCR: 576.71 • 583.86
800-1020-300 800-1020-300
Leasing

Los activos que requiere con la agilidad que merece.

BROCHURE LEASING

Improve your customer service • Improve the efficiency of your production • Strengthen your company's image • Broaden your services • Increase your productivity
What is Leasing?

Leasing is a financial operation in which the lessee (a company or individual) uses fixed assets (machinery, vehicles, forklifts, computers, medical equipment, etc.) that are owned by a lessor, making periodic payments. In other words, it allows the lessee to manage and use productive assets without the need to invest large sums of money.

Types of Leasing

According to Executive Decree No. 32876, it is possible to sign three types of leasing contracts in Costa Rica.

  • Operating Lease
  • Finance Lease
  • Operating Lease in Finance Function

Advantages/Benefits

  • When your company decides to acquire a finance or operating lease, it may use the assets required in production or commercial activities.
  • The lease agreement can be adapted to the particular needs of each company, for acquiring motor vehicles, machinery, electronic equipment or others.
  • The leasing option provides financial, tax and technological benefits. The company does not need to use its working capital to purchase fixed assets, it improves its financial indicators, it allows to input different concepts as deductible expenses and helps reduce obsolescence risk.
Assets for Leasing
New vehicles
Automobiles, pick-ups, panel trucks, trucks
  • Deposit /down payment: 15% or more of the vehicle’s value including legal fees
  • Lease term for personal vehicles: Up to 84 months
  • Lease term for commercial vehicles: Up to 60 months
  • Chinese vehicles without the support of a renowned dealership: Up to 48 months and 30% down payment
  • Insurance from INS (National Insurance Institute)
  • Minimum monthly inspection for $60, depending on the location
  • Installation of a location device. The service cost is added to the monthly payment.
Used Vehicles
Automobiles, pick-ups, panel trucks, trucks
  • Deposit /down payment: 20% or more of the value of the vehicle including legal fees
  • 5 years old maximum and must be sold by a new-car dealerships
  • Lease term: 36 – 60 months
  • An appraisal of the vehicle is required if it is not sold by a renowned dealership
Motorcycles
Low and high cylinder capacities
  • Deposit /down payment: 20% or more of the value of the vehicle including legal fees
  • 5 years old maximum and must be sold by new-vehicle dealerships
  • Lease term: Up to 48 months
  • An appraisal of the vehicle is required if it is not sold by a renowned dealership
  • BMW motorcycles can be financed for up to 60 months
  • Used motorcycles: Up to 36 months, 10.5% APR, 25% down payment
  • Quad runners and ATV’s: Up to 60 months, 10% APR
Machinery
For construction, industrial manufacturing, commercial businesses or service providers
  • Deposit /down payment: 20% or more of the vehicle’s value including legal fees
  • Lease term: Up to 60 months
  • Insurance by INS (National Insurance Institute)
  • Biannual inspection depending on the location
  • Installation of an electronic device as value added. The service cost is added to the monthly payment.
Medical Equipment
Ophthalmology, ultrasound, odontology, digital imaging, others from various specialties
  • Minimum cost: $5,000
  • Deposit /down payment: 10% or more of the value of the equipment
  • Lease term: 24 – 60 months
  • Insurance by INS (National Insurance Institute)
  • Minimum biannual inspection for $60, depending on the location
Electronic equipment
Computers, servers, handheld devices, PBX systems, other mobile equipment
  • Minimum cost: $5,000
  • Deposit /down payment: 20% or more of the value of the equipment
  • Lease term: 36 months
  • Insurance by INS (National Insurance Institute)
  • Minimum biannual inspection for $60, depending on the location
Other Assets
SAP or Exactus software, furniture, power generators, others
  • Deposit /down payment: 20% or more
  • Minimum cost: $10,000
  • Lease term: 36 months
  • Term to be defined depending on the asset and company analysis
  • Benchmark interest rate: 12% in dollars and 15.25% in colones
  • Insurance by INS (National Insurance Institute)
  • Biannual inspection depending on the assets and location
DBS | Development Banking System

Leasing for SMEs in colones

Thanks to the new contract conditions, micro, small and medium entrepreneurs can have the opportunity to finance up to 130 million colones for purchasing productive assets (leasing), such as industrial and agricultural machinery, electronic and construction equipment, biological assets, transportation vehicles and other assets necessary for scientific and technological development or needed for improving competitiveness and strengthening the business.

Program

  • Maximum amount for each beneficiary: 130,000,000
  • Minimum 10% down payment depending on the asset and the customer’s assessment
  • Lease term: Up to 8 years depending on the asset
  • Payment form: monthly installments
  • Interest rate: 15.25% APR in colones
  • Commission: 2.5%
  • Biannual inspection: To be defined depending on the location
  • Installation of an electronic device for locating vehicles

The down payment and term will be defined for each case as well as including any special condition for special cases, according to the final approved conditions depending on the risk assessment.

Advantages / Benefits

  • Have cutting-edge equipment
  • Invest your capital in other growth needs
  • Optimize service for your customers
  • Tax benefits

The possibility to finance the down payment at a one-year term* and its commission, terms of up to 60 months according to the Equipment.

Requirements

  • Those set forth in law 8634 and its Regulation
  • Financial statements for the previous two periods and a recent internal statement
  • A photocopy of the company’s legal documents
  • Lease application
  • Know Your Customer form and CIC authorization
  • A copy of a public utility receipt
  • Proforma invoice, quote or offer from the supplier of the asset
  • For natural persons: Bank account statement for the last 6 months where income is deposited, CPA certification, income certification, copy of employer certification.

Requirements for Legal Persons:

  • Articles of incorporation (with shareholding)
  • Recent public utility bill (water, power or telephone).
  • Financial statements (two previous fiscal years and a recent fiscal year to date– not older than three months).
  • A copy of the company’s legal representative’s personal identification, legible and valid.

Requirements for Natural Persons:

  • A copy of your personal identification, legible and valid.
  • Recent public utility bill (water, power or telephone).
  • Employees: employer certification, and salary certificate.
  • Independent professionals: CPA income certification and six months of bank statements.