Boat financing for individuals<\/h1><\/div>How does a Leasing work?<\/h2><\/div><\/div><\/div><\/div><\/div>The principle is simple: the bank owns the boat, and you lease it. At the end of the leasing period, between 5 and 12 years, you become the owner by exercising a symbolic purchase option. The popularity of LOA is explained by the VAT savings it offers.<\/h3><\/div>As long as your boat is outside European waters, the monthly rent invoiced by the bank is tax-free. So you only pay VAT on payments made while your boat is in Europe. In concrete terms, for a long-distance cruise to Polynesia, taking the example of a boat valued at 100 :<\/p>\n
\n\n\nClassic Purchase <\/span><\/strong><\/td>\n<\/td>\n Leasing Purchase<\/span><\/strong><\/td>\n<\/td>\n<\/tr>\n \nValue excl.VAT<\/span><\/td>\n 100<\/span><\/td>\n Value incl.VAT <\/span><\/td>\n 100<\/span><\/td>\n<\/tr>\n\nVAT<\/span><\/td>\n 20<\/span><\/td>\n Down Payment excl VAT<\/span><\/td>\n 20<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n 3 first installments<\/span><\/td>\n 3<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n Total excl VAT paid in Europe<\/span><\/td>\n 23<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n VAT<\/span><\/td>\n 4.6<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n Total paid outside Europe<\/span><\/td>\n 77<\/span><\/td>\n<\/tr>\n\nTotal Price incl VAT<\/span><\/td>\n 120<\/span><\/td>\n Total Price exl VAT<\/span><\/td>\n 104.6<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nIn reality, LOA rents include interest: you don’t save 15%, but the VAT savings will finance a large part of the interest.<\/p>\n
\nLOA or leasing has a second advantage: at any time you can exercise a purchase option to buy your boat back from the bank, or transfer the LOA to someone else with the bank’s agreement<\/strong>. This is very advantageous when it comes to selling your boat, as you provide the future owner with turnkey financing. If you’re selling your boat outside mainland France, we advise you to work with a professional dealer or broker who is in contact with the financing organizations to facilitate the process, including fund transfers and legal formalities. Find out more about our boat sales service<\/a><\/p>\nLast but not least, the LOA offers you great flexibility<\/strong> when it comes to financing your boat: depending on the amount you have available for your monthly boat budget, you can negotiate a higher or lower initial contribution and purchase option value, as well as a longer or shorter financing term, so that your monthly rental payments fall within the limits you’ve set yourself.<\/p>\nLOA is therefore particularly well suited to sabbatical-year boating projects<\/a>, as you can control your budget, as well as suited to rental-management projects, where you can compare the monthly rental payments with the income you will earn from your boat leased with Sail Tahiti.<\/a><\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>
How does a Leasing work?<\/h2><\/div><\/div><\/div><\/div><\/div>The principle is simple: the bank owns the boat, and you lease it. At the end of the leasing period, between 5 and 12 years, you become the owner by exercising a symbolic purchase option. The popularity of LOA is explained by the VAT savings it offers.<\/h3><\/div>As long as your boat is outside European waters, the monthly rent invoiced by the bank is tax-free. So you only pay VAT on payments made while your boat is in Europe. In concrete terms, for a long-distance cruise to Polynesia, taking the example of a boat valued at 100 :<\/p>\n
\n\n\nClassic Purchase <\/span><\/strong><\/td>\n<\/td>\n Leasing Purchase<\/span><\/strong><\/td>\n<\/td>\n<\/tr>\n \nValue excl.VAT<\/span><\/td>\n 100<\/span><\/td>\n Value incl.VAT <\/span><\/td>\n 100<\/span><\/td>\n<\/tr>\n\nVAT<\/span><\/td>\n 20<\/span><\/td>\n Down Payment excl VAT<\/span><\/td>\n 20<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n 3 first installments<\/span><\/td>\n 3<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n Total excl VAT paid in Europe<\/span><\/td>\n 23<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n VAT<\/span><\/td>\n 4.6<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n Total paid outside Europe<\/span><\/td>\n 77<\/span><\/td>\n<\/tr>\n\nTotal Price incl VAT<\/span><\/td>\n 120<\/span><\/td>\n Total Price exl VAT<\/span><\/td>\n 104.6<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nIn reality, LOA rents include interest: you don’t save 15%, but the VAT savings will finance a large part of the interest.<\/p>\n
\nLOA or leasing has a second advantage: at any time you can exercise a purchase option to buy your boat back from the bank, or transfer the LOA to someone else with the bank’s agreement<\/strong>. This is very advantageous when it comes to selling your boat, as you provide the future owner with turnkey financing. If you’re selling your boat outside mainland France, we advise you to work with a professional dealer or broker who is in contact with the financing organizations to facilitate the process, including fund transfers and legal formalities. Find out more about our boat sales service<\/a><\/p>\nLast but not least, the LOA offers you great flexibility<\/strong> when it comes to financing your boat: depending on the amount you have available for your monthly boat budget, you can negotiate a higher or lower initial contribution and purchase option value, as well as a longer or shorter financing term, so that your monthly rental payments fall within the limits you’ve set yourself.<\/p>\nLOA is therefore particularly well suited to sabbatical-year boating projects<\/a>, as you can control your budget, as well as suited to rental-management projects, where you can compare the monthly rental payments with the income you will earn from your boat leased with Sail Tahiti.<\/a><\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>
The principle is simple: the bank owns the boat, and you lease it. At the end of the leasing period, between 5 and 12 years, you become the owner by exercising a symbolic purchase option. The popularity of LOA is explained by the VAT savings it offers.<\/h3><\/div>As long as your boat is outside European waters, the monthly rent invoiced by the bank is tax-free. So you only pay VAT on payments made while your boat is in Europe. In concrete terms, for a long-distance cruise to Polynesia, taking the example of a boat valued at 100 :<\/p>\n
\n\n\nClassic Purchase <\/span><\/strong><\/td>\n<\/td>\n Leasing Purchase<\/span><\/strong><\/td>\n<\/td>\n<\/tr>\n \nValue excl.VAT<\/span><\/td>\n 100<\/span><\/td>\n Value incl.VAT <\/span><\/td>\n 100<\/span><\/td>\n<\/tr>\n\nVAT<\/span><\/td>\n 20<\/span><\/td>\n Down Payment excl VAT<\/span><\/td>\n 20<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n 3 first installments<\/span><\/td>\n 3<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n Total excl VAT paid in Europe<\/span><\/td>\n 23<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n VAT<\/span><\/td>\n 4.6<\/span><\/td>\n<\/tr>\n\n<\/td>\n <\/td>\n Total paid outside Europe<\/span><\/td>\n 77<\/span><\/td>\n<\/tr>\n\nTotal Price incl VAT<\/span><\/td>\n 120<\/span><\/td>\n Total Price exl VAT<\/span><\/td>\n 104.6<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\nIn reality, LOA rents include interest: you don’t save 15%, but the VAT savings will finance a large part of the interest.<\/p>\n
\nLOA or leasing has a second advantage: at any time you can exercise a purchase option to buy your boat back from the bank, or transfer the LOA to someone else with the bank’s agreement<\/strong>. This is very advantageous when it comes to selling your boat, as you provide the future owner with turnkey financing. If you’re selling your boat outside mainland France, we advise you to work with a professional dealer or broker who is in contact with the financing organizations to facilitate the process, including fund transfers and legal formalities. Find out more about our boat sales service<\/a><\/p>\nLast but not least, the LOA offers you great flexibility<\/strong> when it comes to financing your boat: depending on the amount you have available for your monthly boat budget, you can negotiate a higher or lower initial contribution and purchase option value, as well as a longer or shorter financing term, so that your monthly rental payments fall within the limits you’ve set yourself.<\/p>\nLOA is therefore particularly well suited to sabbatical-year boating projects<\/a>, as you can control your budget, as well as suited to rental-management projects, where you can compare the monthly rental payments with the income you will earn from your boat leased with Sail Tahiti.<\/a><\/p>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>
As long as your boat is outside European waters, the monthly rent invoiced by the bank is tax-free. So you only pay VAT on payments made while your boat is in Europe. In concrete terms, for a long-distance cruise to Polynesia, taking the example of a boat valued at 100 :<\/p>\n
Classic Purchase <\/span><\/strong><\/td>\n| <\/td>\n | Leasing Purchase<\/span><\/strong><\/td>\n | <\/td>\n<\/tr>\n | Value excl.VAT<\/span><\/td>\n | 100<\/span><\/td>\n | Value incl.VAT <\/span><\/td>\n | 100<\/span><\/td>\n<\/tr>\n | VAT<\/span><\/td>\n | 20<\/span><\/td>\n | Down Payment excl VAT<\/span><\/td>\n | 20<\/span><\/td>\n<\/tr>\n | <\/td>\n | <\/td>\n | 3 first installments<\/span><\/td>\n | 3<\/span><\/td>\n<\/tr>\n | <\/td>\n | <\/td>\n | Total excl VAT paid in Europe<\/span><\/td>\n | 23<\/span><\/td>\n<\/tr>\n | <\/td>\n | <\/td>\n | VAT<\/span><\/td>\n | 4.6<\/span><\/td>\n<\/tr>\n | <\/td>\n | <\/td>\n | Total paid outside Europe<\/span><\/td>\n | 77<\/span><\/td>\n<\/tr>\n | Total Price incl VAT<\/span><\/td>\n | 120<\/span><\/td>\n | Total Price exl VAT<\/span><\/td>\n | 104.6<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n | In reality, LOA rents include interest: you don’t save 15%, but the VAT savings will finance a large part of the interest.<\/p>\n \n LOA or leasing has a second advantage: at any time you can exercise a purchase option to buy your boat back from the bank, or transfer the LOA to someone else with the bank’s agreement<\/strong>. This is very advantageous when it comes to selling your boat, as you provide the future owner with turnkey financing. If you’re selling your boat outside mainland France, we advise you to work with a professional dealer or broker who is in contact with the financing organizations to facilitate the process, including fund transfers and legal formalities. Find out more about our boat sales service<\/a><\/p>\n Last but not least, the LOA offers you great flexibility<\/strong> when it comes to financing your boat: depending on the amount you have available for your monthly boat budget, you can negotiate a higher or lower initial contribution and purchase option value, as well as a longer or shorter financing term, so that your monthly rental payments fall within the limits you’ve set yourself.<\/p>\n LOA is therefore particularly well suited to sabbatical-year boating projects<\/a>, as you can control your budget, as well as suited to rental-management projects, where you can compare the monthly rental payments with the income you will earn from your boat leased with Sail Tahiti.<\/a><\/p>\n<\/div>\n<\/div><\/div><\/div> |
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