When you want to buy one or more vehicles as a self-employed entrepreneur, you can opt for a car loan, a Business loan or a car lease.

• Car loan: an instalment credit, intended to buy a car.
• Business Loan: a mid term credit intended to buy goods for professional use.
• ING Lease 3%: ING Lease 3% is a low residual value financing, offered to professionals as a renting agreement with purchase option of 3%. The leased vehicles are included in your balance sheet and written down according to the existing rules. ING Lease 3% is a financial leasing, i.e. costs for maintenance, fuel, repairs... are not included in your lease contract.
• ING Optilease: ING Optilease is the collective name for financing with residual value offered to professionals as a renting agreement with a purchase option of more than 15%. The vehicles are not included in the balance sheet. You can book the renting invoices as expenses. The formulas of ING Optilease are governed by financial leasing rules, i.e. the costs for maintenance, fuel, repairs... are not included in your leasing contract.
• General information about ING leasing formulas and ING Car Lease. ING Car Lease will also inform you about operational leasing formulas (Full operational renting), these are formulas in which the costs for maintenance, fuel, repairs... are included in your leasing contract.