It is a smart and reliable financial leasing solution for companies to acquire real estate properties in order to develop businesses with long terms and flexible fees. Bancoldex finances the productive property or the real estate project of any nature (commercial premises, warehouses, lots, offices, clinics, industrial plants), as well as reforms or improvements in real estate properties related to its corporate purpose
Benefits
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Advice and support when processing any type of real estate leasing.
- No structuring fees or title searches are charged.
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Advance payments are made to the construction company / supplier of construction services.
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Advances are deemed as a capital grace period. Until its activation, only the corresponding financial cost of paid-in capital will be paid.
- Financing up to 100% of the asset value.
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Financing terms from 60 to 180 months.
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Adjustable leasing fee on your cash flow, with increasing or decreasing fees, capital grace periods and various purchase options depending on the marketability of the asset.
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Once the 10% of the real estate leasing has been amortized, companies can have new resources available quickly with our rollover modality.
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The contract may be assigned without creating costs of deeds and registration.
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Access to our collective policies to insure assets financed with preferential conditions and monthly payments.
Features
- The fee involves financial cost payment and capital amortization.
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The fee is not subject to VAT.
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An asset capital percentage is amortized in each fee; only the purchase option is paid in the end.
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The depreciation expense over the useful life of the asset and the financial expense component generated are deductible from the income tax.
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Payments and early cancellation without penalties are allowed.
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It is recorded as debt.
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The real estate property cannot be seized as it is owned by the lessor.