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How can we help with loans and leasing?

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How can we help with leasing?

How does the increase in value-added tax (VAT) affect my lease?

Starting from July 1, 2025, the VAT rate in Estonia is 24%, instead of the previous 22%. 

For finance lease agreements, there will be no changes in the payments due to the increase in VAT if the selling price of the leased object has been paid to the seller and the leased object has been handed over to you by June 30, 2025. 

For operate lease agreements, the new VAT rate 24% will be added to the installment (principal payments), which will affect the monthly payment amount.

When purchasing the leased object (e.g., a vehicle) of an operating lease agreement, the new VAT rate of 24% will be added.

You can find all the details of your lease agreement in the leasing portal.

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