Mobile home leasing – how to finance a mobile home?
Mobile homes have gained immense popularity in recent years. More and more people are choosing to relax in peaceful surroundings, away from crowds and large hotels. This makes investing in a mobile home an interesting business idea. However, purchasing such a property is a significant expense – prices range from 100,000 to as much as 400,000 PLN. Is leasing a mobile home a good solution? What are the terms and conditions, and is this form of financing worthwhile?
Can a mobile home be leased?
While leasing mobile homes isn't as common as leasing cars or machinery, it is still possible. It's crucial that the mobile home isn't permanently attached to the land – only then will lessors treat it as a mobile facility, not real estate.
The houses with the greatest chance of acceptance are:
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mounted on a steel frame,
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equipped with wheels or foundation points enabling quick disassembly,
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easy to transport and move.
The most important advantages of leasing mobile homes
By choosing leasing instead of purchasing for cash, entrepreneurs gain many benefits. Here are the most important ones:
1. Low initial investment
To get started, you only need to pay a portion of the home's value—usually 10 to 30%. The rest is paid in leasing installments.
2. Possibility of tax deductions
Leasing payments can be included in business expenses, and VAT can be deducted from each payment.
3. Access to modern houses
Leasing makes it easier to use better-equipped and more expensive models that would be more difficult to purchase for cash.
4. Flexible installments
Many leasing companies allow you to adjust the installment amount to the seasonality of your business (e.g. higher in summer, lower in winter).
5. Leasing does not affect creditworthiness
Thanks to this, you can simultaneously apply for a bank loan for other investments.
Mobile home leasing terms and conditions
Lease terms vary depending on the lessor, but most often include:
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own contribution: 20–40% (for large companies even from 10%),
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repayment period: 4–5 years,
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final purchase: 15–25% of the house value,
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currency: leasing in PLN or EUR,
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interest rate: fixed or variable.
It's worth remembering that leasing companies prefer companies with a track record and a track record of profitability . New businesses have less of a chance unless they have a guarantor or additional security.
Mobile home leasing or cash purchase?
Purchasing a mobile home for cash can be a significant financial commitment, so leasing often proves more beneficial. It allows you to get started faster, and the mobile home itself pays for itself by paying off the installments during the rental season.
FAQ – most frequently asked questions about leasing mobile homes
How much does a mobile home cost?
Prices for mobile homes start at around PLN 100,000, and more advanced models can cost up to PLN 400,000.
Is every house suitable for leasing?
No – lessors only accept objects that are mobile, easy to transport and not permanently attached to the land.
Is leasing a mobile home profitable?
Yes, if you don't want to invest the entire amount at once, leasing allows you to spread the costs over time and provides tax benefits.
Summary
Mobile home leasing is a practical solution for entrepreneurs who want to develop a tourism business or invest in accommodation. The requirement is that the home is mobile—not permanently attached to the land. With leasing, you can start earning money from rentals immediately without tying up a large capital investment.
👉 Check out the mobile home offer at freedomhouse.eu and find out which models are best for leasing.