Financing a boat in leasing: what are the advantages?

Leasing with a purchase option is a financing solution that lets you lease a new sailboat or motorboat, with the possibility of purchasing it at the end of the contract, at a price agreed at the outset.
Are you planning on having a boat? Here are the main benefits of choosing boat leasing with a purchase option.

• Key tax benefits

For outfitted vessels in the deep-sea navigation category, the French tax authorities allow a 50% VAT exemption on leasing fees(1).
This advantage often offers you a total cost of financing that is lower than the purchase price incl. VAT.

• Full funding

To maximize the benefits of the leasing contract, you can also finance the sails, fittings or on-board electronics.

• More control and flexibility

Depending on your situation, we establish with you a tailor-made financial package. Together we determine the amount and duration of your repayments, depending on your project and your resources. Your rents are flexible and optimized for your personal situation.
> You choose the duration, from 4 to 12 years.
> You determine the type of rents: linear, degressive or incremental.
> You can contribute a higher initial payment up to 50%.

• Preserving your wealth and savings

You do not need to disinvest your savings, which stay available for other investments or unforeseen expenses.

• Transfer facilities

When selling your boat, you can transfer the leasing contract to the person of your choice(2). Thus, the new tenant benefits from the advantage of reduced VAT on rents(1) and all the advantages of leasing. The resale of your boat is facilitated.

A concrete example:

Example of leasing with a purchase option financing under French law for a new boat with a selling price of 150,000 Euros, outfitted in the deep-sea navigation category:

Cash contribution of 75,000 Euros allocated as 1st rent followed by 59 rents incl. tax of 1,140 euros (excluding optional insurance).
Final purchase option incl. VAT in case of acquisition: 15 Euros.
Total duration: 60 months.
Total cost in case of acquisition: 142 275 euros,
EUR 7,725 : savings thanks to the VAT reduction.




With boat leasing, keep the right course!

Interested ? Find out more about how it works.

A credit commits you and must be repaid. Check your repayment capacity before you commit. 

(1) Exemption of 50% of VAT on rents under certain conditions, according to the applicable tax legislation
(2) Subject to acceptance of your application.

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