FAQ

What is the difference between a Finor's finance and operating lease?
Finor financial leasing is very similar to hire purchase, while Finor operating leasing has many things in common with renting and is suitable especially for legal persons. At the end of a Finor finance lease and after all lease payments are made in full, you can acquire ownership of the asset, while at the end of a Finor operating lease you simply return the asset.

How do I choose which type of Finor leasing is best for me?
The selection of a Finor leasing depends mainly on how you intend to use the lease asset. If you wish to acquire ownership of the asset, Finor finance lease is the right choice and is similar to hire purchase. Finor operating lease is intended for those interested in the use rather than purchase of the asset (e.g. business premises or company car). If you have a company or are a sole trader, you can obtain the use of an asset by paying monthly instalments during its use and record them in the accounts as leasing costs.

What are the advantages of Finor leasing over a bank loan?
Leasing offers considerably more advantages compared to loans since is not conditional on creditworthiness. With a lease you can choose higher lease payments than with a loan and the asset is used as collateral to secure repayment of financing. Instalments do not vary. Along with competitive interest rates, we at Finor Leasing provide legal security and expert advice on the purchase of an asset.

How does a purchase by Finor leasing work in my specific case?
For a detailed calculation and outline of the lease process, come visit us at Banka Koper's branch offices or at Finor Leasing's registered office, and ask for an informative calculation. Or simply call us on 05 666 1361, from Monday to Friday 8 am to 4 pm, and arrange a personal meeting with one of our specialised finance experts.