Leasing in Spain
Businesses can typically deduct leasing payments as an operating expense, and VAT is recoverable when the boat is used for business activity.
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Leasing in Italy
Locazione finanziaria is common for both private and commercial buyers, with the option to purchase the boat at the residual value at the end of the term.
Documents you'll typically need
- Valid ID or company registration
- Proof of income or company accounts
- Boat listing or purchase agreement
- Bank statements from the last 3 months
Common questions
Can I finance a used boat?
Yes — used boats can be financed, though the loan term is usually capped so the boat's age plus the term doesn't exceed a set limit.
What's the difference between a loan and leasing?
A loan transfers ownership immediately with no residual value. Leasing usually has lower monthly payments and a residual value due at the end, and can be more tax-efficient for companies.
Does financing work the same in Spain and Italy?
The core structures are similar, but rates, VAT treatment and paperwork differ by country — your study will reflect the country you select.