|
For your convenience, we provide the conditions for the purchasing of goods by installment using leasing services of Ūkio bankas.
|
|
The Buyer requirements to the Seller regarding the Leaseholder and his (her) documents:
|
|
Customer group |
Necessary documents |
Notes |
|
Employed |
1. Passport or personal ID card*
2. Social security certificate*
3000 LTL, it is necessary to submit a reference on the income received during the last three months. |
Age from 21 to 65 years old |
|
Pensioners / Disabled (II-III group) |
1. Passport or personal ID card*
2. Pensioner’s / Disabled certificate*
3. Reference from the Social Security Office (Sodra) on the income received during the last three months. |
Age up to 65 years old |
|
Owners of individual enterprises |
1. Passport or personal ID card*
2. Social security certificate*
Enterprise
4. Income declarations for the current year and the previous calendar year.* |
A separate decision of UAB Ūkio banko lizingas is needed |
|
Farmers |
1. Passport of personal ID card*
2. Farmer’s certificate*
3. Land possession confirming documents (rental, ownership documents)*
4. VAT payer certificate (if available)*
5. VAT declaration (if applicable)*
6. Income substantiating contract (buying up of milk, grain, etc.)*
7. Short business description |
A separate decision of UAB Ūkio banko lizingas is needed | |
*- a copy is needed;
The certificate must be confirmed by the stamp of the Customer’s workplace and by signatures of authorized persons.
UAB Ūkio banko lizingas has a right to require additional documents.
Redemption lease (installment sale) terms (for individuals):
Item: sanitary ware goods
1. Minimal financed amount – 150 LTL;
2. Advance payment – from 0 LTL;
3. Contract fee:
- 1.1%, but not less than 15 LTL, when the redemption period is no longer than 12 months;
- 1.6%, but not less than 15 LTL, when the period exceeds 12 months but is no longer than 24 months.
- 2.1%, but not less than 15 LTL, when the period exceeds 24 months.
|
If the advance payment 0%, contract fee 3%, but not less than 15 LTL.
Appreciation rates
|
Calculation of advance, % |
Appreciation rate % depending on contract period |
|
3 mon. |
6 mon. |
9 mon. |
12 mon. |
18 mon. |
24 mon. |
30 mon. |
36 mon. |
|
0 |
2,33 |
4,09 |
5,88 |
7,69 |
11,36 |
15,12 |
21,99 |
26,57 |
|
5 |
2,21 |
3,89 |
5,59 |
7,30 |
10,79 |
14,36 |
20,89 |
25,24 |
|
10 |
2,09 |
3,68 |
5,29 |
6,92 |
10,23 |
13,61 |
19,79 |
23,91 |
|
15 |
1,98 |
3,48 |
5,00 |
6,53 |
9,66 |
12,85 |
18,69 |
22,58 |
|
20 |
1,86 |
3,27 |
4,70 |
6,15 |
9,09 |
12,09 |
17,59 |
21,25 |
|
25 |
1,74 |
3,07 |
4,41 |
5,77 |
8,52 |
11,34 |
16,49 |
19,92 |
|
30 |
1,63 |
2,87 |
4,12 |
5,38 |
7,95 |
10,58 |
15,39 |
18,60 |
|
40 |
1,40 |
2,46 |
3,53 |
4,61 |
6,82 |
9,07 |
13,19 |
15,94 |
|
50 |
1,16 |
2,05 |
2,94 |
3,84 |
5,68 |
7,56 |
10,99 |
13,28 |
|
60 |
0,93 |
1,64 |
2,35 |
3,08 |
4,55 |
6,05 |
8,79 |
10,63 | |
Notes:
Appreciation rates and contract fee are calculated from the initial item price including VAT.
The minimal financed amount is calculated depending on the redemption period:
|
Redemption period, mon. |
Minimal amount
(price minus advance), LTL |
|
3 - 6 |
150 |
|
9 - 12 |
250 |
|
18 - 24 |
500 |
|
30 - 36 |
3000 | |
- Contract fee is paid in a month together with the first installment.
- The customer’s record of work at the last workplace must be not shorter than 3 months.
- If the advance payment 0%, the customer’s record of work at the last workplace must be not shorter than 6 months.
- If the advance payment 0%, either the place of residence registration stamp in the customer’s passport or declaration of the place of residence is needed.
|
|
