Leasing a car ZZP without BKR
Leasing a car ZZP without BKR
Do you want to lease a car as a self-employed person without your lease contract being registered with the BKR? Or do you want to lease a car as a self-employed person without a BKR check? At Shortleaseland you can lease a car as a self-employed person without a BKR check and without obtaining a BKR registration.
Leasing a car self-employed without a BKR check
Most leasing companies assess your financial situation before you can lease a car, by means of a BKR check or by looking at the annual accounts. If you have a negative BKR registration or cannot yet show annual figures, it can be difficult to conclude a lease contract. At Shortleaseland we do not do a BKR check and you do not need annual figures. Our specialists will assess your current situation themselves. We believe that trust is more important than figures and we believe that as an entrepreneur you can accurately assess whether you can meet your payment obligations. For this reason you can lease a car ZZP without a BKR check at Shortleaseland. Do you have a negative BKR registration? Leasing a car self-employed with a negative BKR registration is also possible. Read more about short lease with negative BKR registration here.
Leasing a car self-employed without BKR registration
With most leasing companies, a new lease agreement is registered with the Central Credit Registration Office (BKR), with the result that in many cases you can take out no or less new credit. This includes applying for a loan, taking out a mortgage or taking out a telephone subscription. This is because when you lease a car you normally enter into a financial commitment for a long term. As a result, a lease contract is seen as a kind of personal loan. This is not the case at Shortleaseland – At Shortleaseland you can lease a car ZZP without BKR registration. This is because there are fewer risks associated with a short-term lease than with a long-term lease contract.
In this white paper
- What is a BKR registration and when do you receive a BKR registration?
- How long does a BKR registration remain visible?
- How can you delete a BKR registration?
- How does leasing work with a negative BKR registration?
- What amount is registered with the BKR in case of leasing?
- The benefits of leasing with a negative BKR registration
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Can you short lease with a negative BKR registration?
At Shortleaseland it is possible to lease with a negative BKR registration. With a short-term lease you are provided with comfortable transport in the short term, without having to enter into a long-term commitment.
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Why is it often not possible to lease with a BKR registration?
If you lease, the leasing company often assesses your financial situation in advance. If an external credit rating agency sees a negative BKR registration, your lease application will be rejected.
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Why doesn't Shortleaseland do a BKR registration?
With most leasing companies you enter into a lease agreement for a longer period. Since short-term leasing involves an agreement for a shorter period, this is not the case with short-term leasing. In addition, your contract can be canceled monthly after the agreed term. This allows you to immediately avoid your payment obligation when your financial situation has changed or when you no longer need the lease car and you can take out a short lease without BKR registration and annual figures.
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What is the short-term lease contract?
Short lease is an attractive alternative to leasing or renting if you need a passenger car or commercial vehicle for a shorter period. At Shortleaseland it is possible to conclude a short lease contract for a period of at least one month to a maximum of 24 months. If you want to lease for a longer period, it will be a 'regular' operational lease contract. Short lease is a lot more flexible than long-term leasing and often cheaper than renting. After the agreed term of your contract, it can be canceled monthly.
Private lease vs. Business lease
As a self-employed person you can lease for both business and private purposes. But what's the difference? With a business lease you can benefit from tax benefits, including VAT deduction and reduced income tax. The disadvantage is that with a business lease car you can drive a maximum of 500 kilometers privately. Do you drive more than 500 kilometers privately? Then you have to pay additional tax. This is generally 22% over the list price of the car, unless you lease an electric car. In that case it is 16% addition. This is a fixed amount and does not change as you drive more private kilometers. If you drive less than 500 kilometers per year privately, you must keep your trip registration to avoid having to pay additional tax. In addition, it is possible to lease a car ZZP without a BKR check, without a BKR registration and without annual figures.
With a private lease you do not have to pay any additional tax, so it does not matter whether you use the car for business or private purposes. This means you don't have to keep trip registrations anyway. In addition, with a private lease you can declare €0.21 per kilometer for business trips. You cannot claim other costs you incur on the car. When choosing a private lease or business lease, it is therefore wise to check in advance how much you want to drive the car for private and business purposes, so that you can make a well-considered decision.
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Do you want to lease a car ZZP without a BKR check and without a BKR registration? Then view our full range of vehicles on the website. This gives you a good impression of the possibilities at Shortleaseland. Would you like to know what we can do for you or do you have any questions? Then take Contact with us. Our advisors are happy to think along with you.
