Finance machines, vehicles and technology quickly and easily

adminonMay 17, 2022February 11, 2022Leave a Comment

A object financing with installment plan offers you the possibility to sell objects such as agricultural machines, transporters, forklifts or construction machines quickly to your property to make: secure, plannable and individually tailored to your needs. No matter new or used, whether planned purchase or object already purchased – with our solutions for installment plan you finance simply and unbureaucratically commercial objects (except real estate) up to 750.000 euros for your company.

Your advantages with lease-purchase

Transfer of ownership with payment of the last installment
New and used properties up to 750.finance 000 euro
Quick financing decision and payment
12 to a maximum of 120 months, co-financing of sales taxpossible
Financing of already purchased objects possible

You prefer to lease?

For off-balance-sheet financing without transfer of ownership.

Learn more about leasing.

Object financing with VR smart finanz

There are many options for financing objects through installment plan. as a partner of the volksbanken raiffeisenbanken we offer you the right solution for your needs. you can finance a wide range of different objects – up to a value of 750 euros.000 euro. For a property value up to 250.000 euro the installment plan is even particularly fast with us: with our solution VR smart express the financing decision is made during the bank term.

Up to 250.finance 000 euro in few minutes

With VR smart express, the financing of your desired object takes place at top speed. Unbureaucratic – for the success of your company.

VR smart express is an installment plan comparable to a classic bank loan for financing objects – new or used. Your credit line is not burdened. In addition, as an entrepreneur you can take advantage of corresponding depreciation options, because the lease-purchase object is capitalized in your balance sheet.

Installment plan with VR smart express:

Individually: benefit from a solution that fits your investment needs.

Flexible: installment and term structure according to your wishes (from 12 to a maximum of 96 months).

Smart: take advantage of depreciation options, investment subsidies and tax benefits.

Secured: add suitable insurance cover from R+V on request.

Did you know: with VR smart express, you can also finance properties that you have acquired in the past 6 months – simply and quickly at your volksbank raiffeisenbank.

Installment plan as a leasing alternative:

1. Arrange a bank appointment for the conclusion of the contract.

2. Realize your dream object up to 250.000 euro gross.

3. Ownership is transferred when the last installment is paid.

R+V installment protection policy

The installment protection policy from R+V offers you a sensible supplement to the VR smart express installment plan. No health check is required. In this way, you are comprehensively protected against the following financial risks in the event of a serious incident:

Disability: guaranteed financial relief in the event of illness or accident
unemployment: security in case of loss of earnings
Divorce: bridging financial bottlenecks
Death: no additional burden on the heirs or. Legal successor

Find your volksbank raiffeisenbank now!

Quick and uncomplicated to your desired object: contact your volksbank raiffeisenbank right away and arrange an appointment.

Frequently asked questions about installment plan

Which properties can be financed with VR smart express??

With VR smart express, numerous properties with a value between 5.000 and 250.000 euros can be financed. It is important that these are commercially used and so-called "mobile objects" trades – from commercial vehicles to agricultural and forestry machinery, processing machines, medical technology, EDP systems to store fittings and many, many more. Real estate, for example, is not included.

What is the difference between installment plan and leasing??

With lease-purchase, the lease-purchaser is the economic owner of the property. It is encumbered with a reservation of title in favor of the rental seller. In leasing, the lessor is the economic owner of the object. The property is part of the lessor’s investment assets. In the case of a lease-purchase, the property is included in the lease-purchaser’s fixed assets for accounting purposes. This increases the fixed assets and therefore the balance sheet total of the hire-purchaser. The equity ratio becomes lower. With leasing, on the other hand, the balance sheet total remains low. Thus the equity ratio improves.

object of the month:

immediate financing via your volksbank raiffeisenbank is the solution to this problem. Your bank advisor will immediately calculate an offer for you and can give you a financing commitment during the meeting. Our instant financing is available for many new and used properties. And every month, we will present you with an interesting property that is suitable for financing:

As our calculation example shows, even double-sided grinding machines be financed via VR smart finanz:

The plans for a new emission standard are making waves. Engine expert thomas koch criticizes the eu for ignoring technology experts and explains why an electric car produces similar nitrogen oxide emissions per kilometer as a diesel.

threatens the end of the combustion engine? This is how the latest proposals of the pan-european "advisory board on vehicle emission vehicles standards" could be described (AGVES) interpret. In addition to renowned developers and the Technical University of Graz, it also includes a Finnish state-owned company and two branches of the University of Thessaloniki. What was hatched there has the potential to explode industrial policy . In an interview, Professor thomas koch of the Karlsruhe Institute of Technology (KIT) urges us to be realistic in our approach – not least so as not to damage the european idea.

FOCUS onlineProfessor koch, how do you classify the proposals of the expert panel on the EU-7 standard??

Professor Thomas Koch is one of Germany's most renowned experts on engines and exhaust gas purification

They oppose any tightening?

Not at all. I welcome the general revision and refinement of the euro 6d standard, which is already excellent, to eliminate a few weaknesses. This would be, firstly, the inclusion of two further emission components, namely nitrous oxide and ammonia, simply in order to achieve a comprehensive consideration. Secondly, the implementation of the tests should be simplified. Today, these standards are far too complex and are no longer comprehensible.

And thirdly, in the interests of continuous tightening, the usual emissions, which are already at the lowest level, should also be reduced again in line with the latest technology, which is also sensible and feasible.

Where are the problems then?

The challenges do not lie in the fulfillment of individual requirements. It is also good to achieve another homeopathic improvement, I welcome that. But the specification calls for multiple overlays of stringent boundary conditions – with no relevant benefit for typical city air. That is pure wantonness.

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What does this mean in practice??

Let’s take the famous nitrogen oxide. Euro 6d-temp vehicles had to comply with a real-world measurement value of 168 milligrams per kilometer at 3°C in a field test, EURO 6d-final vehicles have to comply with 114 milligrams per kilometer even at 0°celsius, and 183 milligrams per kilometer at -7°C. The challenge here has already been that every car can do this even after 160.000 kilometers – regardless of its history – which is generally to be welcomed.

The EU wants to use new RDE (Real Drive Emissions) tests for the Euro 7 emissions standard to reduce pollutant emissions to zero - an impossibility according to engine experts

However, the statistics of the big numbers is the challenge. To be on the safe side, vehicles are therefore already emitting around 5 to 30 mg/km under normal marginal conditions. But now even the millionth vehicle with 197,000 kilometers, in winter, at full throttle with a cold engine and with a caravan on the hook, is supposed to comply with 30 mg/km, a value that is lower than the analyzed measurement accuracy. This is not feasible. Not even as a plug-in hybrid.

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So it boils down to pure E-mobility?

E-mobility can and will make a partial contribution to improving the drive mix. However, the demand is arbitrary to reach the value zero with the combustor. With the German power mix, the nitrogen oxide emissions of an electric car are 80 to 100 milligrams per kilometer, while the most modern diesel contribution is significantly lower. This is so low that, even on busy roads, it only results in total emissions of approx. 1 microgram per cubic meter leads to. This is homeopathy! EU officials have also emphasized that it is no longer a question of air quality, but only of the principle of "zero" in the case of combustion vehicles. But if you really want to set nitrogen oxide emissions to zero, you would have to ban the electric fleet immediately, which of course doesn’t make sense either.

Have a solution?

In terms of nitrogen oxide emissions, the modern combustion engine even has a clear advantage over the electric car. And finally, after the last few years, we are devoting ourselves intensively to the subject of CO2. Here, all electrification technologies – fuel cell, BEV or hybrid vehicles – have challenges in terms of production, service life and disposal, but also potentials that must be exploited.

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VW has also just emphasized that large batteries for long ranges are not a sensible solution. In the long term, CO2 emissions from the internal combustion engine can be reduced to zero. The problem is today’s fossil fuel, which must be replaced bit by bit by biogenic and synthetic fuel. There is a lot going on in europe, but the federal environment ministry of all people is blocking progress for the benefit of the environment. And, unfortunately, with partly specious arguments.

For example?

In the implementation of the renewable energy directive, the german ministry of the environment, even in its second attempt after massive pressure, is only proposing a 14 percent creditable share of synthetic fuels on CO2 emissions. Why don’t we start the race with an ambitious 20 to 30 percent in 2030, as called for by the national platform for the future of mobility (NPM)?? If we really take CO2 reduction seriously, we can’t use it as a stirrup holder for highly one-sided technology specifications and thus damage all alternative technologies.
Unfortunately, the CO2 potential of regenerative synthesized fuels, for example R33 fuels, is still not recognized in their use. But our 13-year-old passat, for example, has been running on it for years without a hitch.

Why is it blocked?

It has already been confirmed to me that they are afraid that the battery-electric car will run out of arguments if synthetic fuels become available in time. That is why they are now trying with all their might to exclude these re-fuels from individual mobility in the medium and long term. In the deeply ideological debate, which unfortunately now resembles a conflict of beliefs, all tricks are being used to ensure that the internal combustion engine dies at all costs.

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The reasonable argument that there are application-specific different solutions is attacked in the strongest possible terms. Car manufacturers, on the other hand, are currently afraid that their billion-dollar investments in electric cars will not generate any revenue. They also take great care to communicate in a politically correct manner. If we really take the issue of sustainability and the IPCC’s CO2 residual budget admonition seriously, the entire technology discussion would have to be conducted differently.

What could synthetic fuel cost?? And is the poor efficiency not an argument against it??

As far as costs are concerned, depending on the location, 90 cents to 1.30 euros per liter is feasible, while petroleum-based fuel costs 60 to 70 cents. Don’t forget that this will allow people to continue to drive their good, proven cars on a CO2-neutral basis in the long term. A not valid argument against re-fuels is that of the efficiency chain. First of all, the efficiency indicates how far one can drive with the electrical energy generated, either directly in the BEV or via the detour of an "electrically generated" fuel. The route via BEVs does in fact initially permit a three times longer driving distance on average. However, we will not produce the fuel with the help of wind, water and sun in europe, but in many much more suitable regions of the world. In addition to electrical energy, only air components are needed as feedstocks. However, because there is no power cable from australia or south america to idar-oberstein, the fuel is not produced in europe. Thus, the comparison of efficiency does not arise at all. Energy is available in abundance worldwide. But we have an energy storage problem, which will also be solved in this way.

How do you assess the discussion in an international comparison??

We europeans are currently playing a special role in this respect. Economically, some europeans are developing more passion for damaging euro-league primus germany instead of trying to counter world cup winner china. Asia, as the world’s largest economic zone, continues to rely heavily on the internal combustion engine, along with other solutions, because an ecological and economic overall view is taken there. And in north america, and even more so in south america and africa, it will be around for a very long time to come. almost all over the world, internal combustion engines are part of the strategy. But if we want to ban it at all costs, this will of course have an impact on society as well.

They think about the loss of jobs?

artificially maintaining a technology just for the sake of jobs would be wrong, of course, and would mean expensive subsidies in the long term. However, the opposite is the case with the internal combustion engine. With the fight of many politicians against the combustion engine, we are experiencing something else: the centuries-old dream of mankind of individual – automotive, i.e. self-moving – mobility for everyone is being destroyed in secret. the ideologically charged discussion will drive a wedge into society as soon as people realize that range mobility will only be affordable for higher earners. Of course, one can be of the opinion that individual mobility should be massively restricted or banned. But then we should say so openly, and then society can have a fact-based discussion about it.

Summer vacations begin this week in four German states. most vacationers will travel by car this year, as a civey survey for tagesspiegel background shows. One age group is surprisingly car-friendly.

Traffic jam.ADAC predicts a new car boom in the corona year 2020. It will be crowded on the highways during the vacation season

In the past few corona months, there has been a lot of speculation about a possible renaissance of the car and individual transportation in everyday life. if you ask germans what mode of transport they plan to use for their travels this year, the answer is clear: by car. It was popular in previous years anyway, but in 2020 even more people will be getting into their own vehicles (or rental cars) to reach their vacation destinations.

A survey conducted by the opinion research institute civey on behalf of tagesspiegel background shows that almost 70 percent of those surveyed who will be traveling this summer will be doing so by car. For families with children, the share is a good 75 percent. Nearly one-fifth plan to use a different mode of transportation for their summer vacation this year than in previous years. Among 18- to 29-year-olds, who generally travel less by car on vacation, it’s even more than a third.

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civey figures from previous years are not available, but a comparison with the long-term statistics of the travel association DRV shows that 2020 will be an exceptional year. According to DRV data, the share of air travel in vacation travel climbed from 30 percent to 42 percent between 2000 and 2019. The share of the car fell from 55 to 43 percent in the same period. In the corona year 2020, the trend is now apparently turning, the car as a supposed shelter from infections is becoming more important again as a means of travel.

Boom leads to even longer traffic jams

"In 2020, there will be a boom in travel by car or caravan," said ADAC board member dieter nirschl during a webcast. But it remains to be seen whether this will become a long-term trend. Nirschl wants to spend his private vacation in croatia – and arrive by car.

Boom also means more traffic jams on the highways this summer. On the already congested peak travel days, the lines are likely to get even longer than in the past. The German automobile club ADAC recommends that travelers inform themselves in good time on the club’s relevant Internet pages.

Among the 2,500 people surveyed by civey, it was mainly the younger people aged 18 to 29 who wanted to switch to a different mode of transport this year than in the previous year (35 percent). Just under 59 percent of them mentioned the car, only around 17 percent the plane, and the train accounted for a good 22 percent.

Because long-distance travel tends to be postponed and vacationers are hesitant about flying abroad, destinations that can be reached by car are moving closer. the tourism industry advertises "flexibility and independence". "bookings with own arrival have always had a great value," says a tui spokeswoman. This year, however, the range of accommodation on offer is "as large as ever.

Vacation 2020 : car is travel mode number one

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Tui records run on car trips

Germany is the number one vacation destination," said norbert Kunz, managing director of the german tourism association, on the ADAC webcast. Kunz says he will take a private "car tour of germany, austria and switzerland" this summer. This is in line with the trend. in 2019, 45 percent of car trips went to germany, twelve percent to italy and nine percent to austria, according to the vacation and travel research association (FUR).

the tui group, which has been hard hit by the corona crisis, has 2,300 accommodations in its program that can be reached by car in this country alone. "there is a rush especially to destinations on the coasts, in the bavarian alps or mecklenburg-vorpommern," says the spokeswoman. But also austria or croatia are booked with own travel, even northern italy, which was badly affected by the pandemic, is reviving again according to tui.

Memories of the economic miracle years

Instead of luring visitors with far-eastern exoticism, the advertising is down-to-earth: "take a deep breath in the mountains, relax on the beaches of the north and Baltic seas and enjoy la dolce vita on one of the lakes in northern italy," says tui. Among older customers, this brings back memories of the economic miracle years, when many people took their first car of their own – preferably a VW Beetle – on a trip of longing: across the Alps to italy. According to Civey, 74 percent of people over 65 want to travel by car this year.

According to norbert kunz, two-thirds of germans are not taking any vacation this year because of the corona crisis, or are still unsure of their plans. sales in germany’s tourism industry would therefore plummet in 2020. In the months of march, april and may alone, the losses amounted to around 35 billion euros, according to kunz.