D Leasing
Financial solutions for personal and business customers, with flexible structures, competitive terms and an individual approach to every asset and project.
Leasing Solutions
D Leasing
“D Leasing” EAD is a subsidiary of D Commerce Bank AD, established in 2014 and registered as a financial institution under the Credit Institutions Act.
The company offers a broad range of finance lease products designed to meet the personal and business needs of every customer.
Whether or not you are a customer of the D Commerce Bank AD group, and even if your chosen asset is not among the assets normally financed under a lease, you will receive an individual approach and a suitable financing solution on attractive terms.
An Individual Approach to Every Project
Asset financing for personal and business needs, flexible structures, attractive terms and access to solutions from the D Commerce Bank AD group.
Individual Approach
Solutions tailored to the specific asset, project and customer needs.
Flexible Structures
Financing can be structured to suit the parameters of the transaction.
Broad Scope
Financing for cars, machinery, equipment, property and agricultural land.
Types of Lease
How to Apply
1
Contact us by telephone or through a D Commerce Bank branch.
2
A leasing specialist will prepare a personalised offer and repayment schedule.
3
You will receive a response to your lease application promptly.
4
If approved, the next step is to sign an agreement with D Leasing.
Documents and Fees
Frequently Asked Questions
Lease agreements may be concluded in EUR or BGN, depending on the customer’s needs. Under an agreement in EUR, customers may make payments in BGN at the Bulgarian National Bank’s fixed exchange rate.
The interest rate is calculated on the basis of the leasing company’s assessment of the project risk. The available leasing structures have a variable interest rate comprising a base rate and a risk margin.
The initial payment is the customer’s own contribution to the transaction and is payable when the lease agreement is signed. It is a percentage of the value of the leased asset and no interest is charged on it.
The leased asset covered by the agreement serves as security. Additional security may be required for a project financing specific or highly specialised equipment.
VAT may be financed by the leasing company. Where VAT is deferred and paid together with the lease instalments, the lessee pays interest on it.
VAT is charged only on the principal under the lease agreement. No VAT is charged on interest under the agreement.
D Leasing EAD’s policy is for the asset to be insured through D Insurance Broker for the entire term of the agreement, with full insurance cover and preferential rates.
No power of attorney is required within Bulgaria. To drive the vehicle outside the country, a notarised power of attorney issued by D Leasing EAD must be requested at least 2 business days in advance.
The lessee must immediately notify the insurer and the relevant law-enforcement authority, depending on the type of event, and must also notify D Leasing EAD as soon as possible.
