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To meet all your asset fnance needs

Our team o ully trained Finance Managers are dedicated to providing you with any assistance

or advice you require, whether over the phone or ace to ace on your property.

Our Customer Assist team are trained to give you assistance by phone and email, such as providing

you with nance quotes, updates on the status o your loan, inormation on new nance options,

as well as many other services.

Through the New Holland Finance team, we provide a ull range o fnance options or all your business

assets such as Utes, Trucks, Silos, Sprayers, Fork Lits, Farm Equipment and so on.

For a fnance quote or more inormation regarding Asset Finance, please contact

New Holland Finance Customer Assist on 1800 807 934 [email protected]

TRUST THE NEW HOLLAND FINANCE TEAM

TRUST YOUR LOCAL NEW HOLLAND DEALERSHIP

To meet all your equipment and fnance needs

Your local New Holland dealership provides easy access to owning or leasing agricultural equipment.

Your dealer is not only an expert in New Holland equipment, trained to advise you on the most

appropriate equipment or your arming needs, but they can also provide access to the most appropriate

type o nance that will suit your business needs. Through your local dealership, New Holland Finance

provides a ull range o nance options or all your equipment purchases.

Finance available or:

New and used New Holland equipment

New and used other branded equipment

For a nance quote or more inormation, please contact yourlocal New Holland dealership

orNew Holland Finance Customer Assist on 1800 807 934 [email protected]


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WILSONMKTGNHF009

QUICK GUIDE TO NEW HOLLAND FINANCE

^Upront payments are permitted under certain conditions.

*No deposit is required, however, an initial payment must be made at the start o the contract.

New Holland Finance is a division o CNH Capital Australia Pty Ltd. ABN 71 069 132 396. Full details o the terms and conditions o the nance will be made

available on application. The details in this brochure may be subject to change without notice. Any advice given in this brochure is o a general nature only,

does not constitute nancial or tax advice, and is not based on any consideration o your objectives, nancial situation or needs. To decide i a nance

product is right or you, it is recommended that you seek the advice o a qualied advisor.

For more inormation contact New Holland Finance Customer Assist

on 1800 807 934 [email protected]

Loan and GoodsMortgage

Finance LeaseCommercial Hire

Purchase

This option is best or

Borrowers wantingimmediate ownershipand the ability to build

asset equity

Borrowers wanting topreserve working capital

without the need or

ownership title

Borrowers looking topreserve working capital

and attain ownership when

all payments are made

Ownership Title

Passes to you immediatelywith a mortgage held overthe goods by New Holland

Finance.

Remains with New HollandFinance. You can apply to

purchase and own at the endo the contract period.

Passes to you upon nalpayment

Finance AmountAny amount up

to 100%100% nanceis mandatory

Any amount upto 100%

Interest RateFixed or the term

o the loanFixed or the term

o the loanFixed or the term

o the loan

Deposit Flexible None* Flexible

Payment Schedules Tailored to your needs Tailored to your needs Tailored to your needs

Terms 12 60 months 12 60 months 12 60 months

Balloon Payment/Residual Value

OptionalMandatory and is anestimate o the valueat the end o the term

Optional

Early Payout Penalties None None None

Creates equity in theequipmentYes No Yes

Possible to claimpayments as tax

deductions

No Yes No

Possible to claimdepreciation and

interest as taxdeductions

Yes No Yes


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NEW HOLLAND FINANCE :WELL HELP YOUR BUSINESS GROW.

Financial

SolutionsTailored

For You


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Experience is our edgeWith nearly 50 years in the global equipment nance business, our team o proessionals have the industry

knowledge and expertise to help you succeed. As the sole nancial services provider or New Holland global,

we serve some hal-million customers in 160 countries worldwide.

Equipment and nance teams serving your needsYou can always count on both the New Holland dealership team and the New Holland Finance team who work

together to provide you with the ideal equipment and most eective nance plan to suit your business needs.

Strong relationships are the key to our successRelationships that remain solid throughout the inevitable ups and downs o lie on the land. Our teams work hard

to make it easy or you to buy or lease the worlds best equipment and continually look or new and better ways

to meet your changing nance needs.

We take a fexible approach

You can select fexible payment schedules timed to your cashfow. And you can choose rom a wide range o loanoptions with competitive interest rates, no early payout penalties and fexible deposits.

Conserve your capitalWith up to 100% nance available to approved applicants, your capital can be conserved and retained or investments

such as arm improvements to increase productivity or the day to day expenses o running your business.

Protect yoursel against rate risesNew Holland Finance provides competitive interest rates, xed or the duration o the contract. Feel certainty when

budgeting by being immune to any subsequent rate rises.

No early payout penaltiesNew Holland Finance rewards you when you experience a better than anticipated season or a change in your

circumstances. New Holland Finance does not charge any early payout penalties.

We can come to you our on-arm serviceYour New Holland dealer can discuss your nance options* with you or arrange or a New Holland Finance

representative to contact or visit you on your property.

*New Holland Finance recommends that advice should be sought rom your accountant or nancial advisor on which orm o nance best suits your currentrequirements and on any tax implications.

OUREXPERTISE IS YOUR PEACE OF MIND


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FINANCIAL PACKAGE

LOAN AND GOODS MORTGAGEThe Loan and Goods Mortgage enables you to receive the ull benefts

o ownership immediately as title passes to you upon purchase. New

Holland Finance takes a mortgage over the equipment or the duration

o the loan.

Advantages A fxed low interest rate or the term o the loan that protects you

against rising interest rates Flexible deposit (subject to credit approval) Payment schedules can be tailored to suit your individual

business requirements

Being the owner o the equipment, you may be able to claimdepreciation and interest costs as tax deductible expenses oryour business

You may also be able to claim your GST as an input tax creditin your Business Activity Statement

Fixed repayments or the term o the loan provides certaintyto the budgeting process

Creates equity which you can roll over into your nextequipment purchase

Allows the cost o the purchase to be spread over a manageabletime rame

MASTER GOODS MORTGAGEThis is essentially the same as a Loan and Goods Mortgage with one key

dierence. The Master Goods Mortgage, which links to the New Holland

Finance Credit Line, allows you to purchase equipment at several times

during the year on one original master document.

AdvantagesIn addition to the same advantages as a Loan and Goods Mortgage,the Master Goods Mortgage also has the ollowing advantages: Simplied documentation process and reduced paperwork Ater the initial contract is signed, only 1 or 2 signatories per

equipment purchase are required, i so nominated, rather than

every business partner Speedy draw down process You can make urgent purchases or take advantage

o timely opportunities A dedicated New Holland Finance Manager is always available

to advise on your nance requirements

COMMERCIAL HIRE PURCHASECommercial Hire Purchase is designed or those people looking to

preserve working capital and attain ownership over a period o time.

Much like a Loan and Goods Mortgage, but ownership does not pass

until fnal payment is made.

Advantages As small or as large a deposit as you like (subject to credit approval) For both tax and accounting purposes, you are considered the

owner o the equipment and you may be able to claim bothdepreciation and interest as expenses or your business

Creates equity which you can roll over into your nextequipment purchase

Allows the cost o the purchase to be spread over amanageable time rame

Fixed interest rate or the term o the loan gives you protectionover rate rises

FINANCE LEASEWith a Finance Lease, New Holland Finance is the owner o the equipment

and it is rented to you (subject to credit approval) or an agreed period, at

fxed repayments. At the end o the term you may be able to purchase the

equipment by re-fnancing with New Holland Finance or by purchasing it

outright at the agreed residual value.

Advantages Allows you to expand or update your equipment needs without tying

up working capital Gives you the opportunity o ownership as well as the cashfow

benets o lower payments No deposit requirement, although rental payments are required to

be made in advance Fixed rental payments or the lie o the contract provides certainty

to the budgeting process You may be eligible to claim your regular payments as a tax

deductible expense or your business Fixed underlying interest rate or the term o the loan giving you

protection over rate rises

Structures Payments can be tailored to match your income cycles or anyother seasonal requirements you may have

Payment structure includes a nal residual value Terms rom 12 60 months

Structures Payments can be tailored to match your income cycles or any

other seasonal requirements you may have

Terms rom 12 60 months

Structures Payments can be tailored to match your income cycles or anyother seasonal requirements you may have

Commercial Hire Purchase is a xed term contract The equipment nanced serves as the primary orm o security Terms rom 12 60 months

Structures Payments can be tailored to match your income cycles or any

other seasonal requirements you may have

Terms rom 12 60 months


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S TAILORED FOR YOU

PAYMENT OPTIONS

REDUCED PAYMENT OPTIONS

Equity DownThe more equity down (deposit paid), the lower the scheduledpayments. Equity can be in the orm o a cash payment or a trade-in.

Advantage: Provides a tool to help reduce the scheduled payments

Balloon PaymentA method by which you can have lower payments during thecontract period with a larger nal (balloon) payment at the end othe contract.

Advantage: Lower scheduled payments to match cashfow

Automatic Payment PlanPayments can be automatically withdrawn rom your nominatedbank account.

Advantages: Service is ree Saves time and eliminates

cheque writing

Ensures payment is made on time No concerns over lost mail

FLEXIBLE PAYMENT OPTIONS

Structured Payment PlanA schedule where repayments are structured in line with yourincome patterns.

Advantages: Matches payments with income patterns Aligns payment timing to your seasonal income fow

Flexible DepositAllows you to provide li ttle or no deposit towards the purchaseo your equipment

Advantages: Little or no deposit required (subject to approval) Matches the size o your deposit with your cashfow requirements

CREDIT LINEThe New Holland Finance Credit Line is specically designed to assistyou with business expansion and to take advantage o opportunitiesas they arise. This revolving acility gives you a pre-approved limitthat you can draw down on when making your equipment andbusiness asset purchases (up to your approved limit).

Advantages Oers you access to unds or equipment purchases up to your

approved limit You can determine how much o your limit you want to use, and

when you want to use it Gives you the security o long-term nance

Speedy draw down process The acility is revolving, so once it is established, you wont need

to re-approach your New Holland Finance Manager again oradditional unding i you have capacity available under your limit

Structures Can be used in conjunction with a Master Goods Mortgage, a Loan

and Goods Mortgage, a Finance Lease or Commercial Hire Purchase

Payment schedules are determined at the time o equipment purchase Approved credit limit is reviewed once a year

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