We offer leasing for new and used vehicles. To lease a car, first select the desired vehicle and then submit us your lease application.
Kalkulaatoriga saate arvutada oma maksimaalse autoliisingu summa. Kalkulaatori arvutused põhinevad järgnevatel tingimustel: intressimäär 3%, lepingu periood 7 aastat, sõiduki jääkväärtus 0€.
Kalkulaatoriga arvutatud summa on informatiivne ja võib erineda Teile pakutavatest tingimustest.
Lease conditions depend on the chosen vehicle and your payment ability. To get a personal lease offer, please submit a lease application.
Standard car leasing conditions of SEB | ||||||||
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Type of lease |
Financial lease |
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Operating lease |
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Downpayment | starting from 10% of the cost of vehicle | |||||||
Lease period in months | 12 | 24 | 36 | 48 | 60 | 72 | 84 | |
Maximum residual value | upon expiry of financial lease | 65% | 55% | 45% | 35% | 30% | 20% | 0% |
upon expiry of operating lease* | 60% | 50% | 40% | 30% | 25% | 15% | - | |
Interest rate | Interest rate of a leasing is tied to Euribor. (European Interbank Offered Rate). It is possible to choose the Euribor rate changing either every 3 or every 6 months. A client-based interest margin will be added to the value of Euribor. Your personal offered interest margin considers your solvency, age of the selected car and liquidity, and possible campaign offers. To get a personal offer, please submit a lease application. | |||||||
Contract fee |
Ask for a personal lease offer. |
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Lease payment | Approximate lease payment can be calculated with the help of lease calculator. | |||||||
Insurance |
We offer the PZU motor own damage insurance and motor third party liability insurance with a possibility to pay the insurance premium together with monthly lease payment. Upon request, you can conclude the insurance contract with the insurer of your choice. The motor own damage insurance is mandatory throughout the lease period and must be concluded with the minimal deductible. |
*depends also on the redemption obligation agreed with car dealer
Applying for lease
After you have found a suitable vehicle, submit us a lease application. First we advise you to familiarize yourself with the leasing conditions.
You may find a suitable vehicle from
There are several ways to submit your application
When applying for leasing, present the following documents
Entering into lease contract
Receiving the vehicle
To receive the vehicle, you will be issued an instrument of delivery and receipt from SEB Liising, which must be returned to SEB Liising, signed, after the receipt of the vehicle
If the seller is a private individual, delivery shall generally take place after SEB Liising has made the payment to the seller.
A vehicle engaged in leasing must have a valid insurance cover. Both, the optional motor vehicle as well as motor third party liability insurance contracts must be concluded.
Requirements to insurance contracts of leased property
Should you have any questions during the validity term of the lease agreement or you wish to submit an application, then please contact us via Internet Bank or send a message from our homepage.
All fees, related to the lease agreement, can be found from the price list.
Power of attorney
Power of attorney for using the vehicle
- an unattested proxy to drive within the Republic of Estonia
- a notarised power of attorney to take the vehicle abroad
Power of attorney for procedures at the regional bureau of the Estonian Road Administration (ARK)
A responsible user of the car may apply to SEB Leasing for a power of attorney for necessary procedures at the ARK (e.g. if you would like to add or change users on the registration certificate, need a new licence plate, etc).
Applying for a power of attorney
Please submit us your application for a power of attorney (EST) in good time (for a notarised power of attorney at least three working days in advance), so that we could issue the power of attorney on time.
Amendment of lease contracts
To make amendments to the contract, submit us a written application.
Lease invoices
We shall send the lease invoices to Internet Bank or e-mail. Inform us of your preferred choice in a letter.
For more convenient payment of lease invoices we recommend e-invoice with automated standing order service.
You will find information on your current lease contract and payment schedule in Internet Bank.
Terminating financial lease and hire purchase
Terminating operating lease
Valid from 01.01.2021
Entry into contract | |
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1. Entry into lease contract | Starting from 1% of the acquisition cost of the lease item, min €225 |
2. Conclusion of a new lease contract on the residual value of the ending lease contract | 1% of the acquisition cost of the lease item, min €160 |
Amendment of contractual conditions | |
1. Amendment of contract, incl. change of lease period, change of repayment schedule, transfer of contract to new lessee, other contractual changes | 1% on outstanding residual value (1), |
min €160 | |
2. Amendment of contract due to partial early performance of financial lease contract of a private individual, if ohter conditions are not changed | No contract amendment fee (for fixed interest, interest difference charge shall be paid) |
3. Amendment of payment day of a valid lease contract upon client's request | €30, first amendment free of charge |
4. Reinstatement of contract | € 160 |
Debt notice to the lessee (2) | |
1. Reminder of debt | Free of charge |
2. Debt claim letter | € 5 |
Authorisations, reports, certificates, invoices, other (2) | |
1. Unattested power of attorney, incl. for changing the register entry in the e-service of Road Administration |
€12 Upon expiry / pre-term termination of lease contract, first authorisation free of charge |
2. Notarised power of attorney | € 90 |
3. Change of register data during the lease period by the lessor | €12, state fee to be added. Upon expiry / pre-term termination of lease contract, initiating the change of owner free of charge |
4. Processing a claim arising from the violation of parking conditions, traffic regulations, or other legislation (including moving costs of the vehicle) |
€36 Incurred costs will be added |
5. Consent for subleasing the property | € 42 |
6. Cancellation / amendment of redemption invoice of property upon client's request | € 12 |
7. Confirmation of balance statement presented by the client | Free of charge |
8. Issuing a certificate, consent, copy of contract, duplicate invoice (older than 1 month), fuel card statement or balance confirmation upon client's request | € 12 |
9. Issue of a specific statement or report upon the client's request; confirmation of a period turnover statement provided by the client | € 30 |
10. Sale of the lease object to a third party | € 50 |
11. Contractual penalty for delays in the timely return of the lease object | €50 per day |
12. Releasing additional collateral (surety, guarantee) | € 100 |
Pre-term termination of lease contract (2) | |
1. Pre-term termination of private person's operating lease contract | As per contractual conditions |
2. Pre-term termination of private person's financial lease contract | As per contractual conditions |
3. Pre-term termination of legal person's operating lease contract | Unless otherwise specified in the agreement, the fee for early repayment is 2.5% on outstanding residual value (1), min €225; for operating lease, VAT shall be added (3); |
4. Pre-term termination of legal person's finacial lease contract | Unless otherwise specified in the agreement, the fee for early repayment is 2.5% on outstanding residual value (1), min €225 (3); |
(1) Outstanding residual value is the total sum of unpaid instalments, balance of VAT(loan) and residual value.
(2) Service fees include VAT as per Value-Added Tax Act
(3) In case of fixed interest, interest difference charge will be added in the amount of the costs incurred due to the pre-term repayment of the credit.
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