An Overview of the Three Variants
Depending on your clinic setup and tax situation, the optimal financing variant can vary significantly.
- Hire Purchase – Ownership remains with the bank, transferring after the final installment; must be capitalized as an asset.
- Leasing – The device remains with the lessor; installments are fully deductible as operating expenses.
- Purchase – Highest financial burden in year 1, but allows for full depreciation and immediate ownership.
Sample Calculations
Example: Triple-Wavelength Diode Laser at 22,000 EUR, 60-month hire purchase, effective interest rate 5.9%. Monthly installment approx. 425 EUR. With 18 treatments per week at 90 EUR each, the device pays for itself economically after approx. 14 months.
FAQ
Frequently asked questions
Hire purchase or leasing?
Rule of thumb: Those who want to keep the device permanently are better off with hire purchase. Those who want to upgrade regularly to new technology benefit from leasing.
Do I need collateral?
With reputable providers, the creditworthiness of the clinic or the owner is usually sufficient – often no additional collateral is required.
Matching systems from the ALIX range
- Alix Secret Twin – Twin platform
- Alix Secret Twin C – Twin platform, compact version
- Alix Blueice Hybrid Red – All-in-one system
- All systems for this treatment goal
- Arrange a consultation appointment – system selection based on your utilisation
- Compare systems side by side
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