Real estate leasing

This modern and multi-purpose financing technique is a budget-friendly and tax-advantaged way to finance the purchase or construction of your commercial premises.

Industrial business premises, offices, storage spaces, etc. are eligible for this type of financing.

Real estate leasing works in exactly the same way as movables leasing. Upon your instruction, KBC Lease will buy an existing building or construct a new one. You can then take out a long-term lease on the building in question (usually 15 to 20 years). At the end of the lease, you can acquire ownership of the building by exercising the purchase option.

Features:

leasing and renting options
old and new buildings covered
subject to VAT and registration duties
with or without land

Real estate leasing offers a number of advantages:

100% financing
The investment amount does not have to be limited to the price of the building. It can also cover notary's fees, etc, and even the land on which the building has been built.
Pre-financing VAT

In this regard, real estate leasing differs fundamentally from an ordinary lease in that the VAT on rentals can be reclaimed (only applies to new builds that are subject to VAT).
Advantages compared to renting

Unlike when you rent, you can acquire ownership of the building (and also any land) at the end of the contract, provided you pay the pre-agreed purchase price.

With a leasing contract, you can choose a tailored payment schedule. This means that, instead of having to pay a fixed rental, you can spread your payments so that they take account of your individual needs. Moreover, these payments are not indexed and the contract may not be terminated unilaterally.
Transfer option

Transferring the leasing contract to a new lessee is straightforward and inexpensive. For buildings subject to VAT, you will not have to refund any VAT, since KBC Lease owns the building.
No collateral

Via leasing, you can save your collateral for taking out commercial loans from the bank. This gives you extra opportunities for financing your working capital and other investments.
Government aid
If your building qualifies for subsidies, they can still be obtained under a leasing contract.

Real estate leasing contracts are tailored to meet individual needs!

You want to buy some land and build on it.

You are looking to buy an existing building and accompanying land.

You already have some land and want to build on it.

You already own some land and have just built on it.

An associated company has some land and you want to build on it.

You want to build on concession land.

A suitable tailored solution can be offered for each situation. Just contact the specialists at KBC Lease and arrange a no-obligation introductory meeting. On the basis of this meeting, we can come up with a formula that is most beneficial to you.

If you would like to arrange such a meeting, contact a KBC Bank branch close to you.