Month: October 2019

  • October 30, 2019

    Better leasing or long term rental?

    Choose between car rental or leasing: advantages and disadvantages compared The common feature of long-term rental and financial leasing on vehicles is attributable to the payment of the monthly fee, which must be paid as per the contract and for its entire duration. From the fiscal point of view the differences are not particularly marked, given that the deductibility is the same and follows the same rules in both cases. The only difference concerns the aspect of the production of capital losses or capital gains linked to the sale of the vehicle, given that only in the case of financial leasing is it possible, paying the redemption price, to also become the owner of the vehicle, while with the rental in the long term the vehicle remains the property of the company that offers the service. This difference can however be a watershed for the choice of one or the other vehicle use system. Financial leasing vs long-term rental One of the main differences between the two services lies in the fact that in financial leasing the fee paid serves to cover the cost of car use, and sometimes also includes insurance costs, but all other management and maintenance costs remain charged to the financed. Furthermore, with the leasing contract you agree to agree a purchase price to become the owner of the car or vehicle, at the end of the loan (which can be more or less high depending on the type of contract stipulated, or depending on whether it is a contract was chosen with a higher fee and lower redemption price or vice versa). In any case, you will become the owner of a car that has lost its value over time (loss or capital gain depending on the case). With long-term rental, there is no way...
  • Do you think of a Horry Goldbower car loan, can you see a new car straight from the showroom? Stop! Car credit is also granted for used cars purchased at consignments or at persons bringing vehicles from abroad. Sanbuwan Consumer Bank has prepared a special offer – check it out!   Car loan Horry Goldbower not only for a new car! Interest rates from 2.99%, quick decision, minimum formalities – these are just some of the advantages. The Horry Goldbower car loan , therefore, by accepting various sources of income (including that from work outside the country) , is therefore at your fingertips. Financial Advisor Horry Goldbower Mira Paran will be happy to help you tailor the current offer to your needs. Regardless of whether you are buying a new car or a used one, you can count on the support of a bank and an expert in the field of finance.   Age limit For your vehicle only Are you interested in the Horry Goldbower car loan in the context of buying a used car? Remember that the vehicle cannot be older than 16 at the time of paying the last installment. In addition, the loan is granted for cars up to 12 years for no longer than 8 years, i.e. 96 months.   Horry Goldbower car loan for various forms of income As we mentioned above, to get a Horry Goldbower car loan you can have income from abroad. We also accept other forms of employment than an indefinite employment contract. When considering an application for a loan, a contract for a year, an order or a work is enough. What do we offer to people who are professionals? Check what the expert says on this topic!   Banks care for freelancers For freelancers such as: lawyer, architect,...
  • A great day for most women and a relatively expensive day for most men. Yes, that’s right, we’re talking about Valentine’s Day. It’s still a while for the big day, but it’s important to start preparing well in advance so that everything is perfect. Even if you want to go a little extra on this big day, spend your money wisely. Here are 4 tips for using your credit card on Valentine’s Day:   1. Do not use more than you can afford It goes without saying, but unfortunately, more and more Norwegians are struggling with a lot of debt, whether it is a mortgage or a consumer loan. Valentine’s Day is a big day, but there is no need to take on extra debt. Stick to your budget!   2. Take advantage of rewards and cashback If you have accumulated points with your credit card, you may be able to use these for a gift. Some credit cards will give you discounts at select retailers so it is important that you check with the card issuer so that you know which dealers you should go to to save money.   3. Keep it a secret Do you and your loved one use the same credit card? Make sure your he or she doesn’t read your credit card statement before the big day. If you spend more than you can afford (something you shouldn’t do!), It’s important that your loved one never sees the print.   4. Give up roses and chocolates Use your card to buy something that is more thoughtful and creative. How about preparing a tasty dinner with a nice bottle of wine and a romantic poem? No matter how you choose to spend the day, have a great day and make sure you put in some...