Car leasing for individuals and legal entities - what is it and what are the conditions for obtaining a car lease + step-by-step instructions for buying a car for leasing

Good day, dear readers of the financial magazine "Rich Pro"! The article presented to your attention is devoted to car leasing. We will talk about car leasing for individuals (private buyers), and also describe in detail the conditions for buying a car on lease for legal entities (commercial and non-profit organizations).

From the article you will learn:

• What is car leasing in simple words;
• What features does car leasing have, what are its advantages over a car loan;
• How to buy a car leasing to an individual or legal entity (step by step instructions);
• The main programs of leasing operations;
• How to choose a lessor;
• Which companies are the largest in the leasing market.

In addition, at the end of the article are given the answers to frequently asked questions.

This article should be read to everyone who wants to buy a car, but he does not have enough money for this. It will be useful to both individuals and legal entities.

If you belong to this category or are just interested in the concept of leasing, read the article right now!

What is car leasing, what are the advantages and features of car leasing, what are the conditions and requirements for individuals and legal entities, and how it is profitable to take / buy a car on lease - this and more ... this article will be discussed in this issue

1. What is car leasing - the essence of leasing, its advantages

A large number of people dream of buying a car. But not everyone has the means to do so. Some even believe that such an investment may be unprofitable. Therefore, before making a purchase, future car owners evaluate and compare all the options available for purchase on the market - car loan or cash deposit immediately. Also, in some cases, you can use the services car rental.

Not so long ago there was another way to buy a car called leasing. Almost everyone can use this option - companies, as well as private clients. Let's try to understand what leasing is in simple words.

Definition:

Leasing represents a long-term lease of any property with the possibility of its redemption in the future. That is, at the end of the contract, the person who received the lease has the right to pick up the subject of the agreement.

In principle, any property can be leased. But most often, long-term finance leases are used upon acquisition. all types of carsStarting from cars to heavy trucks. Leasing is ideal for the purchase of expensive specialized equipment.

Organizations most often use financial leases to expand the number of cars that make up their fleet. Individuals can purchase a means of personal transportation on a long-term lease; often they use purchased cars at work. At the same time, companies providing leasing services consistently have considerable profits.

The main advantages of leasing for lessors and lessees

It can be noted that leasing - unique economic category. It is beneficial for both parties to the transaction. There are many pluses financial lease.

Lessors believe that the sale of cars on lease is associated with minimal risks.

This is due to the following objective reasons:

1. Cars are high liquidity assets. In other words, if necessary, it can be quickly sold in the secondary market.
2. During the term of the financial lease, the car is owned by the lessor. That is why in case of problems with payments, the company does not need to sue and wait for its decision to return the car.
3. Vehicles leased out are subject to state registration. Therefore, at any time, the leasing company can find out where the car is.

All of the above reasons lead to the fact that among companies engaged in financial leasing, it is particularly popular car leasing. Moreover, a number of lessors provide only this type of property.

Contrary to popular belief, not only companies that provide cars for financial rent, but also those who take them, get a huge number of advantages.

Among them are the following:

• money is paid for the car in parts in the amount and terms specified by the contract;
• the lessee may use the machine immediately after conclusion of the transaction and payment, if necessary, an initial payment;
• usually at the conclusion of the transaction the client is provided individual conditions. He can negotiate with the leasing company a convenient option for making payments;
• at the end of the contract, the client himself decides to pick up his car, paying the required amount or refuse it;
• legal entities at the conclusion of a leasing agreement are provided tax incentives;
• leasing a car is usually much easier than buying on credit. Leasing companies do not need collateral and guarantors; they do not require to collect a huge package of documents;
• a car for financial rent is issued quickly enough. Many companies agree to sign the contract within one day from the moment the client came to them.

In this way, car leasing as a type of financial lease is beneficial for both the lessor and the lessee. That is why financial car rental is becoming increasingly popular.

However, Russia has not yet achieved the same level of popularity as in Europe. In European countries, leasing is acquired each the third the car.

Russian consumers are poorly informed about the features of leasing. In addition, motorists in our country are wary of a new financial service unfamiliar to them. Nevertheless, slowly but surely the share of people who bought a car on lease in Russia is growing.

Gradually, the number of people who appreciated the benefits and advantages of a financial lease and preferred it to buying on credit and for cash was gradually increasing.

Car leasing for individuals persons - what is it, what are the pros (+) and cons (-), which is more profitable - a loan or car leasing for a private buyer + stages of a leasing transaction

2. Car leasing for individuals - features and benefits + step-by-step instructions for car leasing buyers 🚗

Car leasing appeared relatively recently, so not all individuals are aware of its features.

2.1. What is car leasing for individuals - an overview of the concept in simple words + types of car leasing

More recently, there were only two main ways to get a car into use: to rent or buy. In the latter case, two calculation options are possible: in cash and by installments.

Recently, there is another way that combines rental and purchase - this is car leasing. Its popularity is growing steadily.

Car leasing is a special type of rental. In this case, the machine is not just transferred for a while to use. At the end of the contract, the lessee has the opportunity to pick up the car in the property. This is important a hallmark of such a financial concept as leasing.

Just like when renting a car during leasing does not belong to the one who uses it. Therefore, it is impossible to sell a car, transfer it to another person, and give it away.

Nevertheless, the lessee is obliged to ensure that the car remains in good condition, arrange for compulsory motor third-party liability insurance, change tires on time, regularly undergo technical inspections, and refuel.

As well as when buying on credit in case of registration of a car on lease, payment for it is paid in parts. In this way, such acquisition methods differ from cash purchases when payment is made at a time.

However, there is a significant difference between leasing and credit: in the second case, the acquirer immediately becomes the owner of the car, in the first - only after the expiration of the contract.

Despite the fact that leasing is often more beneficial for an individual than a loan, it is still rarely used. This is especially true of the domestic automobile market.

Types (types) of car leasing - 2 main

Two main types of car leasing can be distinguished:

1. With the transfer of ownership. In this case, the lessee after the expiration of the financial lease is obliged to redeem the car. Moreover, despite the fact that the lease payment may be less than the loan, the total cost is approximately the same.
2. No transfer of ownership. In this case, after the contract expires, the buyer returns the car to the leasing company. This option is an ideal solution for those who want to get a status car for a while. Using this scheme, the lessee, after a couple of years, when the contract expires, can easily change the car to a newer one, without thinking about the quick sale of a used car. Thus, when leasing without redemption, this service is akin to renting for a long period.

2.2. Advantages and disadvantages of leasing for individuals - calculations, which is more profitable: car loan or leasing + visual table

Trying to determine what exactly - leasing or credit is more profitable for a private buyer, you should understand what they are similarities and differences these financial instruments.

Leasing and credit: differences

The main difference is that when leasing the owner of the car until the end of the contract remains the leasing company. In case of registration loan ownership passes right away, the car is simply pledged by the bank.

It turns out that the lessor risks much less than the lender. Therefore, when buying a car on lease, the requirements for an individual are less stringent.

It is the peculiarities of the transfer of ownership that explains the low popularity of leasing. Many potential buyers are afraid that the lessor may at any time return the car to itself in the event of payment delays or other force majeure situations.

Some are bribed by the fact that in the case of leasing, payments are usually less than with a loan. But they do not take into account that the so-called residual value. It should be paid to the lessor after the end of the contract. Only in this case, the car becomes the property of the lessee. Also, the size of payments may depend on the size of the down payment.

It turns out that when making a lease, the buyer often pays less monthly. In this case, large amounts are paid at the beginning and end of the contract. Traditionally this period varies from 1 of the year before 5 years.

The main advantages of (+) car leasing

Thus, we can distinguish a number the benefits leasing a car:

1. a payment schedule can be selected, guided by the real capabilities of the buyer;
2. fewer documents are required to complete the transaction;
3. the application is considered much faster than for a loan;
4. no collateral and sureties are needed;
5. the buyer decides whether to issue the car to him or return to the leasing company;
6. lower than with a bank loan payments made every month.

Financial rentals allow motorists to get rid of a large number of problems and significantly save time. This advantage is especially important when conducting business by individuals (that is, as an individual entrepreneur) - about the registration and registration of individual entrepreneurs, we have already described in a previous article).

The main disadvantages of (-) car leasing

Despite a fairly large number of advantages, leasing has a number of disadvantages:

• the car belongs to the lessor until the very end of the contract, therefore, even with small delays, the leasing company can pick up the car from its client;
• individuals do not have any tax benefits for leasing transactions;
• the lessee cannot sublet the car.

It should be understood that there is no unequivocal answer to the question of which is more profitable - credit or leasing. Calculations should be made in each case and based on the goals set by the buyer.

We can definitely say that financial rent (leasing) more profitable in cases where after the expiration of the contract the car owner plans to return the car. In this case, he can easily buy a new car without thinking about selling the old one.

Comparison table: “The difference between leasing and car loans for individuals”

Comparison of car loans with leasing is most advisable to carry out, including all their features in the table.

Case Studies

Suppose you decide to buy a car brand Mitsubishi lancerwhich is worth 700 000 rubles. Calculating the amount of the monthly payment is not difficult - just find someone working online loan calculator and enter all known parameters. About how to calculate car loans online, read the hotel article in our magazine.

As a result, using the average parameters of leasing and car loans, we get that payments in the first case will amount to 15 000and in the second about 23 000 rubles. It is seen that with leasing the amount of payments is significantly below. However, this rule only applies if, after the expiration of the lease agreement, the car should be returned.

The example presents calculations for 3 years.

If the purpose of the acquirer is exclusively rental, then, of course, leasing will be more profitable. However, if you want to buy a car through 36 months will have to pay the residual value of the leasing company. As a result, the cost of the car will exceed 1 000 000 rubles.

At the same time, when purchasing on credit, it will be equal to 828 000 rubles, which is significantly less.Therefore, if you want to leave the car at home, you should choose a car loan.

So what to choose?

Before choosing between leasing and car loans, you should clearly indicate your goals.

If you want to drive an expensive status car and at the same time regularly change it to a car of the latest modification, the ideal way to purchase leasing without subsequent repurchase.

Conversely, if the goal is to buy a car in the property for a long time, it is better to stop at target loan.

But do not forget that each company offers its own conditions. A situation may arise when a loan in a small bank, taking into account the huge number of additional commissions and payments, is less profitable than leasing in a large company that provides optimal conditions for its customers.

To date, leasing programs are quite profitable. This is connected, among other things, with the fact that the popularity of such a service in Russia is much lower than in Europe.

It is not difficult to explain such a situation: our citizens are afraid when the ownership of the property they use is with third parties. They believe that if problems arise, they can lose both the car and the money paid for it. Therefore, they prefer to take a loan, where the right of ownership passes to the borrower immediately upon conclusion of the contract.

Read also our article on preferential car loans, where we talked about the conditions for obtaining a car loan with state support and provided a list of cars that fall into the program of preferential car loans.

2.3. Car leasing for individuals and individuals - a detailed guide on how to buy a car on lease to an individual (including an individual entrepreneur)

In general, the process of registering vehicles (cars and trucks) for leasing to individuals is quite simple.

Step-by-step instructions for buying a car on lease for individuals - the main steps

If you want to buy a car and the lack of money physical. a person (ordinary citizen or individual entrepreneur) applies to a leasing company. The following is discussed which car I would like to purchase, and an application is submitted. In this case, you will need to provide a minimum of documents.

It remains to wait for the application to be considered and, if the decision is positive, to receive the car for use.

At the same time, more recently, the possibility of acquiring vehicles for leasing only for the purpose of their commercial use was legislatively fixed. Therefore, such contracts were drawn up only for specialized equipment, freight transport and buses.

To date, the opportunity to acquire physical. persons (including IP) on lease and cars.

In any case, in order to arrange a vehicle for a long-term financial lease, you will need to go through several successive steps.

Step number 1. Choosing a car by parameters and price

First of all, you should decide which car the buyer wants to purchase. It should be borne in mind that usually on lease you can buy exclusively new transport of a well-known brand (Mercedes-Benz, BMW, Audi, Ford, Opel, Mazda, Honda, Toyota, Nissan, Kia, etc.)which the manufacturer provides a long warranty.

Step number 2. Selection of a leasing company, study of leasing conditions and prior approval

The modern financial market is characterized by fairly free competition. Therefore, a huge number of companies provide leasing services for cars, both to individuals and individual entrepreneurs.

In this regard, it is very difficult to choose the most favorable conditions and not get caught by scammers. Therefore, it is important to know what criteria you should pay close attention to when choosing a leasing company.

When choosing a leasing company, pay attention to the following criteria:

• how long the company provides services in the market;
• size of organization;
• financial well-being of the company;
• reputation;
• feedback on the activities of the leasing company in the media, as well as on the Internet;
• restrictions on lessees, as well as the subjects of the contract.

When buying a car, the decisive indicator is usually the price of car leasing. However, it is not easy for a person without financial education to understand the specifics of its calculation. The concepts "rise in price", as well as "residual value" can be confusing. Many people completely forget to take them into account.

That is why, in the process of selecting a lessor, it is worthwhile to turn to financial consultants for help. Spending on their services, you can significantly save on the purchase of a car on lease.

Step number 3. Preparation of documents for leasing

To apply for leasing, you will need to prepare a package of documents. In most companies, its composition is identical.

Traditionally, the package of documents includes:

• application for car leasing;
• passport;
• driver's license;
• certificate, declaration or other document confirming income;
• copy of the work book or certificate of registration as an individual entrepreneur.

Usually, when filling out an application, there are no difficulties. This is due to the lack of the need to provide collateral and guarantors. However, most leasing companies do not make high demands on the age of potential borrowers. Most of them allow you to apply for leasing as soon as you reach the age of 18.

Step number 4. Leasing Transport Insurance

An obligatory step in the procedure for registering a car for leasing is insurance. Mandatory conclusion of two types of insurance: CTP and CASCO.

Theoretically, CTP can be issued immediately for the entire duration of the lease agreement. However, experts recommend getting a new policy annually. The advantages of this option are to receive discounts when re-issuing a policy from one insurer or the ability to search for a company with more favorable rates.

When applying for CASCO insurance, each moment should be agreed with the lessor. He can go to meet the client and agree to exclude unlikely risks from the policy. At the same time, the cost of obtaining an insurance policy will decrease significantly.

Step number 5. Conclusion of a lease agreement

In the event that both parties to the car leasing transaction agree with the terms of the contract, it is signed.

Such an agreement may include the following rights and obligations:

• the client receives the car for use;
• every month, the lessee must transfer to the lessor a certain amount of cash;
• if it is stipulated by the contract, the client is obliged to pay the down payment;
• the car can be used for any purpose that does not contradict the current legislation;
• the lessee is required to monitor the condition of the vehicle, undergo regular technical inspections, and ensure proper storage conditions.

You can also download a sample lease agreement from here.

Thus, there is a traditional scheme for car leasing. It is important to know the nuances of each stage of the transaction in order to get the maximum benefit from it. We also recommend that you read the article “How to get a loan for an individual entrepreneur without collateral and guarantors”.

Car leasing for legal persons - what is it, what are the advantages and disadvantages, what is more profitable - a car loan or car leasing for an organization + the main stages of a leasing transaction

3. Leasing a car for legal entities - conditions for acquiring a car on lease + step-by-step instructions for buying a car for legal entities 🚕

The reasons why a legal entity may need to buy a huge amount of car. This may include the need to expand the fleet with an increased number of customers, the organization of a delivery service, the need for a representative car for the manager.

At the same time, the company has several options for obtaining a car: you can rent it or buy it. Both of these methods require large financial investments.

There is another more profitable option, which, however, is still fairly new in the domestic market - car leasing. This service is also called long term finance lease.

Today, leasing is in demand in all regions, experts predict it will grow in popularity in the near future.

3.1. Car leasing for legal entities - the essence and features

For legal entities, leasing is the most effective and fastest way to purchase a car. It is important to note that companies using it receive tax incentives. Moreover, with the right choice of the transaction scheme, you can get economic benefits.

It is leasing that allows companies to realize the most difficult undertakings. Thanks to traditionally used schemes, you can very quickly by investing a minimum of money, buy the following types of equipment:

• new cars, including executive class;
• used cars;
• freight vehicles, including tractors, trucks, trucks of any carrying capacity, trailers and semi-trailers;
• Buses
• specialized equipment - graders, truck cranes, excavators.

What is car leasing for legal entities - description

We have already said what leasing is.

The following definition is officially accepted:

Leasing - This is a type of investment activity that is aimed at leasing property for a specified period with the possibility of redemption in the future.

In other words, leasing is a special type of long-term lease. When it expires, the lessee has the right to redeem the leased property.

Traditionally, three parties take part in a leasing transaction:

1. lessor may be a leasing company or a credit institution;
2. lessee can be both a legal entity and an individual;
3. supplier of leased property. It may be the seller, manufacturer or its official distributor.

In some cases, the fourth participant can be distinguished in the transaction - insurer. Most often, he represents the interests of the party transferring the property.

The terms of the leasing transaction are established in the contract. Here may be indicated:

• payment schedule;
• amount of monthly installment;
• down payment amount.

For legal entities, large leasing companies most often offer several schemes for acquiring property on lease:

• with the return of the car;
• with the purchase of a vehicle when the contract expires;
• operational leasing, which is a long-term rental car with its maintenance and the provision of other services;
• other types of leasing programs.

The use of motor vehicle leasing helps organizations improve the efficiency of their operations, as well as the use of cash, and increases the speed of development.

At the same time, leasing companies offer to complete the transaction as soon as possible, do not delay the consideration of the application.

Note! In connection with the registration of car ownership for a leasing company, the lessee company is exempt from paying taxes on it.

It is important to remember that individual entrepreneurs do not belong to legal entities. Therefore, registration of cars on lease for them is carried out according to the schemes used by individuals (this was discussed above).

3.2. The advantages and benefits of leasing for legal entities - visual calculations, which is more profitable: leasing or credit + comparative table

You can highlight a number the benefitsinherent in leasing for legal entities:

1. High speed design. A legal entity will not have to wait long for an answer to its application; moreover, it will not be necessary to provide a security deposit.
2. Tax exemptions. There is an opportunity to refund the VAT paid as part of lease payments in full.
3. Ability to use accelerated depreciation. Some lessors offer their customers the option to apply quick depreciation. As a result, tax paid on profits is reduced.
4. The investment attractiveness of the organization remains at a consistently high level. Leasing payments do not affect the balance sheet, do not increase the company's debts.
5. More favorable prices and tariffs for the buyer. This fact is explained by the fact that leasing is usually stimulated by companies that produce vehicles, sell them and other interested parties. They seek to increase sales, so they encourage the transfer of cars to leasing, provide discounts and various benefits.
6. Convenient payment schedule, which is compiled individually in each case.
7. No restrictions by brand, year of manufacture, type and modelpresented to the purchased car.

Thus, leasing combines tax savings with the speed of processing and the variety of options offered. Often, as an additional service, a client can use free of charge technical inspection, seasonal change of rubber, and repair.

High-volume vehicles are often depreciated by accelerated principle. As a result, they are transferred to the balance sheet of the organization with a low residual value.

Conditions leasing Unlike loan always individual. It is allowed for the client to add additional conditions to the contract or to exclude from it certain clauses at the discretion of the lessee.

It turns out that leasing differs from a loan in almost all respects of its advantages. The most attractive difference is that when applying for leasing, the client has much less stringent requirements than when lending.

This situation is explained quite simply: the activities of banks are strictly regulated Central bankThey are required to maintain liquidity and risk indicators at a certain level. As a result, banks are limited in decision making. This is especially true for the issuance of loans.

Leasing companies work on other principles. When making a decision, they are based solely on the current state of the company’s business, as well as on its prospects, taking into account the statements of the company.

Table: “Comparison of leasing and credit for legal entities”

The main differences between loan and leasing are summarized in the table below.

When buying a car on credit, discounts are usually not provided. If you prefer leasing, almost in 90% cases, you can expect a significant reduction in prices. This is especially true of transactions in which interested parties participate - suppliers or dealers.

Sometimes this price reduction is very noticeable. So, legal entities can be offered leasing under programs in which there is no appreciation. At the same time, the cost of a leased vehicle will not differ from the price provided for purchase in cash.

But despite the fact that the purchase of a car has a fairly large number of advantages, we can distinguish limitations such transactions. The main one is that the car received on lease belongs to the lessor on the right of ownership until the expiration of the contract.

One more important disadvantage Such a transaction is the fact that the lessor has the right to pick up the car without resorting to court assistance. To do this, it is enough to allow a violation of the terms of the lease agreement. There are also cases when property is seized when financial difficulties arise directly from the lessor.

Calculation example

Consider the calculations by example. Supposethat a car worth one million rubles was bought on lease. In this case, each month you will have to pay 20,000 rubles. If you buy the same car on credit, the payment will be almost 40,000 rubles.

• The advantage of leasing in the example is not in doubt. But there is one condition - the calculations are given for those cases when, at the end of the contract the car returns to the leasing company. This is beneficial when in the future it is planned to replace vehicles with a newer one.
• If it is planned leasing acquisition with subsequent transfer of ownership to the lessee, the total amount paid will be almost equal. At the same time, the only advantage of a long-term lease is the opportunity to receive tax benefits and also save a significant amount of time.

It turns out that to identify which is more profitable - a loan or leasing is possible only for certain cases. In this case, you will have to calculate the amount of payments, as well as the full cost of the car for each of the schemes.

Detailed instructions for buying a car leasing for legal entities from 5 simple steps

3.3. How to buy a car leasing to a legal entity - a detailed guide to buying a car for legal entities

When registering a car for leasing, it is considered ideal to involve a specialist who has there is legallye either financial education. He will be able to take into account all the nuances of the transaction. In addition, such a person will help to achieve better conditions in the process of registration of the contract.

In large companies, such a specialist is most often listed in the state. For companies in which there is no such specialist, it is advisable to seek help from third-party financial organizations.

Regardless of whether the transaction is completed with the assistance of a specialist or not, during this procedure the lessee without fail overcomes a number of steps.

Step number 1. Competent choice of car and leasing company, familiarization with the terms of the leasing agreement

In the process of choosing a car, the needs and requirements of the lessee's company are taken into account. Most often, at this stage, the lessor provides its client catalog, which contains possible options for vehicle brands, models, and even modifications.

Despite the fact that most often the lessee already knows which vehicle he wants to buy, nevertheless, at the initial stage, it is necessary to determine the necessary modifications, as well as additional services.

It is important to choose not only the best option for the car, but also lessorwith which cooperation will be made. In this case, one should take into account the reputation of the leasing company, how long it has existed in the market.

It is also necessary to study the available reviews, if possible, inquire about the lessor among friends and acquaintances. Experts convince: it is enough to spend a little time checking the lessor in order to avoid serious problems in the future.

However, it is important not only to choose a car and a leasing company, but also to study the main conditions of the contract, which include:

• advance or down payment - in different companies it differs significantly, may be absent or reach half the cost of the car;
• dates of payment, as well as the amount of payments that are required to be paid every month;
• conditions that must be observed at the end of the lease agreement - return of the car or payment of the residual value.

If the conditions that are offered in this leasing company are suitable for the client, he must fill out and send the application to the lessor. After its consideration, a decision will be made within the time period set by the company.

The time period for which an answer will be given differs among different lessors. It may vary from a few days before a few weeks.

Step number 2. Collection of documents for leasing

If a positive decision is made based on the results of the consideration of the application, it will be necessary to provide the lessor with a certain set of documents. It is advisable to prepare it in advance. This will greatly save valuable time.

Traditionally, for a car to be leased by a legal entity, you may need:

1. An application signed by an authorized person of an organization (usually a manager).
2. Questionnaire of the lessee with the obligatory affixing of a seal on it.
3. Copy of the current edition of the Charter.
4. Copy of certificate confirming tax registration.
5. A copy of the decision by which the head of the organization is appointed.
6. Copies of identity documents of the head, as well as the founders of the company.
7. Balance sheet and other financial statements.
8. Certificate of bank accounts.
9. Consent required for smooth data processing.

Example of filling out the lessee's application form (example of an application for leasing)

This indicative list is often leasing companies may require other documents.

Step number 3. Drawing up and conclusion of a contract

After all the preconditions have been agreed, occurs signing a contract. From this moment, the transaction for the financial rental of a car begins.

Important to take seriously to the design of the payment schedule. The state of affairs of the company will depend on how correctly it is selected. Therefore, this moment of concluding leasing transactions is often called the key.

The schedule of payments should be consistent with the rhythm of the lessee's business, with the date of receipt of particularly significant payments. It should not impede the development of business, disrupt the financial condition of the organization.

Some leasing companies provide an opportunity to draw up a seasonal payment schedule, which will be focused on the receipt of funds in companies that are engaged in seasonal business.

Contract signing - A procedure that does not take much time. Moreover, some lessors provide departure service for this purpose directly to the client’s office.

Despite everything, the contract should be treated with maximum attention. It is important that the lessee’s lawyers carefully study it. If there is no lawyer in the state, it will not be superfluous to turn to third-party specialists. This will avoid significant problems and misunderstandings in the future.

Step number 4. Payment of an initial installment under a leasing agreement

After signing the contract, the company makes an advance payment. Usually it is from 5 to 15%. Some leasing companies enter into contracts without prior deposit, in others - the advance amount reaches half the cost of the car.

If an initial payment is stipulated by the terms of the agreement, the machine will not be used by the client until after payment. Traditionally, contracts are concluded for a period from 2 before 5 years.

Step number 5. Getting to use a car

Traditionally, the vehicle is leased through an intermediary - car supplier. This happens at a car dealership or dealership. It should be remembered that the registration of the insurance policy CTP is a must.

In addition, at the request of the lessor, insurance may be provided. CASCO. Mandatory car is registered in STSI.

From the moment of receiving for use, the lessee must take care of the safety of the vehicle, as well as ensuring its functionality. However, a leasing company, as well as a car supplier can help with this by providing all kinds of services, as well as technical support.

Depending on the terms of the agreement at the end of the contract, there are two options for the fate of the car:

1. he returns to the lessor;
2. the vehicle transfers to the lessee's balance sheet.

In the second case, the client must pay extra residual value.

In this way, leasing for legal entities can be a great assistant in business. At the same time, it is important to be extremely careful in the process of processing a transaction.

It will be useful to consult at each stage with the financiers or lawyers who are on the staff of the company. If not, you can seek help from an independent financial advisor.

We also advise you to read our article on how to get a loan for a small business and where you can get it without collateral and guarantors.

Popular car leasing programs

4. Leasing programs for financing vehicles - TOP-3 most popular

Most leasing companies offer the customer a choice of several programs for acquiring cars for financial rent. Usually, all of them imply a loyal attitude towards the lessee, a minimum package of necessary documents, and quick execution of a contract.

Program 1. Leasing a car without a down payment for individuals (IP) and legal entities

Even recently registered organizations can issue a lease agreement, despite the fact that it is traditionally required to wait from six months before of the year. Naturally, young firms have not yet managed to earn money for an advance payment. That is why leasing companies offer a long-term lease program. no down payment.

Most often, leasing under such conditions is offered to be issued directly vehicle manufacturers, as well as official dealers. They are interested in the speedy implementation of cars.

In addition, a scheme without a down payment can act on the equipment of a particular manufacturer and brand when an agreement is concluded between the lessor and the seller. According to its conditions, when a vehicle is withdrawn from a lessee, a leasing company has the right to return it to the manufacturer.

Program 2. Leasing of cars with zero appreciation

The zero-cost leasing program assumes that the total amount of payments under the contract will not exceed the cost of the vehicle in the cabin. Such an offer becomes possible when the manufacturer offers the leasing company as a corporate client significant discounts to your vehicles.

Often, the purchase of cars on lease (that is, by installments) is initiated by the manufacturer himself. In this case, its purpose is sales promotion.

Thus, the provision of discounts by manufacturers, as well as cheaper financing, enables lessors to offer vehicle sales programs without overpayment.

Program 3. Leasing of vehicles without assessing the financial condition of the lessee (buyer)

The risk of car registration for long-term rent for leasing companies is minimal. There are several reasons for this:

1. The down payment covers subsequent non-payments.
2. Ownership of the car remains with the leasing company until full repayment.

All this leads to the fact that there are leasing programs in which the financial condition is practically not evaluated or checked to a minimum.

Similar programs can be used for long-term lease of cars and trucks, specialized equipment.

Features of programs without assessing the financial condition are the following:

• provision of new equipment;
• the cost of the car should not exceed a certain amount;
• the percentage is higher than under standard conditions.

Thus, there are a large number of various programs for registering a car on lease. It is important to choose the best option in each case, starting from the initial conditions and the ultimate goals of the client.

Leasing companies: how to choose the best (reliable and faithful) - tips and tricks

5. How to choose a reliable leasing company - practical advice from experts

In the Russian market today, leasing provides a huge number of companies. They all lure customers, praising offers, detailing all the benefits. In this case, of course, they do not tell about the pitfalls of the leasing procedureDo not mention its shortcomings.

Each buyer should understand that leasing programs that would not have flaws and would suit absolutely everyone do not exist.

During the selection of a leasing company for cooperation, financial and investment experts recommend that you carefully study the following points:

• how long the lessor has been in the financial market;
• financial well-being of a leasing company;
• what is the reputation of the company in a professional financial environment;
• how private clients and organizations about the lessor respond;
• what restrictions are imposed by leasing programs;
• the size of the lessor - while paying attention to the presence of branches in the country, the size of the regional network;
• An important criterion is the cost of the services provided.

When choosing a lessor, it is important to evaluate all of these criteria together. It should not be forgotten that the effectiveness of the transaction largely depends on the analysis. It is important to understand that the main goal of any organization is buying a car as profitable as possible with minimal problems.

The list of favorites among leasing companies should include organizations that have been operating in the Russian market for a large number of years. Moreover, they must have many completed contracts.

Huge importance is given to other factors. Among them:

• the degree of openness of the company;
• how accessible it is to its customers;
• how the staff of the leasing company is friendly;
• how many employees and what level of professionalism.

6. Where to buy a car (or truck) on lease - list of TOP-6 leasing companies in Russia

Many sites provide an overview of leasing companies, but most often in an advertising spirit. We will provide a list of lessors who are popular because of their reputation, as well as favorable conditions. But you should understand that in different regions the list of companies is different.

The most popular are the following leasing organizations:

1. VTB24 Leasing. This company offers leasing for any type of transport, including railway and aviation. The company represented is a subsidiary of a credit institution. VTB, her head office is in the capital. VTB24 Leasing has a wide branch network, which includes about 35 units.

2. Major Leasing - organization founded in 2008 in Moscow. This leasing company leases vehicles under a variety of programs. Since the opening of the lessor, a huge number of contracts have been concluded, both with legal entities and with individuals. To date, their number exceeded a thousand.

3. Sberbank Leasing - A subsidiary of the largest Russian bank. The size of the leasing portfolio of this company in 2015 made up 370 million rubles. This lessor works with clients across all sizes of business — from small to large. Moreover, it operates on the territory not only of our country, but also of neighboring countries.

4. Europlan - Moscow leasing company. She specializes in leasing new foreign cars. In addition, a unique program is offered for business partners. "All inclusive". It provides for the provision of a large number of additional services.

5. VEB Leasing - Moscow company, which in its activities focuses on legal entities and individual entrepreneurs.

6. Intesa Leasing - a universal leasing company that began its activities in 2001 Now she works with business clients in more than 20 regions of Russia.

Do not blindly trust this small list. In Russia, a huge number of companies provide financial rental services.

When choosing a partner, you should focus on the goals of the business, the location of the lessee and the lessor, as well as other factors.

You should also not completely trust the opinion of Internet users. It is best to collect the maximum information about leasing companies.

In addition, it will be useful to conduct a detailed analysis of all the offers on the market. If you can’t do it yourself, you can use the help of financial advisors.

7. Frequently asked questions on car leasing

Question 1. How to rent a car to an individual without a down payment?

It is quite possible to buy a car (or truck) on a lease without the means to pay the down payment. To do this, you must find a lessor who offers programs with such conditions.

Most often offers with no down payment offer major lessors. They carry out various promotions. However, small leasing companies offer financial lease without advance payment in order to increase competitiveness.

Such options beneficial not only to individualswho do not have money for a down payment. Non-down payment programs also help newly created organizations. They are just starting to work, and therefore have not yet managed to earn money for advance payments.

You may be interested in our article “Step-by-step instructions on how to open an LLC yourself,” where we examined step by step the process of registering a Limited Liability Company.

Question 2. Can I buy a used car on lease?

Finding companies that offer to lease used cars is quite difficult. Most lessors offer exclusively new vehicles. This is immediately specified in the conditions for the proposed programs of leasing companies. Moreover, often leasing is given only to certain brands of cars.

Nevertheless, there are companies that nevertheless go to meet the client and arrange leasing for used cars. In this case, the lessor usually buys the car and takes ownership of it, then transfers it to the client for use. At the end of the contract, the car is redeemed without fail.

P.S. You can also purchase used cars on credit.

Question 3. What are the features of leasing of trucks (trucks) and special equipment?

Leasing of trucks and construction equipment - features and specifics

A truck (including special equipment) is quite expensive, so it can be quite problematic to purchase it for a legal entity. therefore leasing of trucks is an excellent opportunity to get expensive equipment for use without incurring large one-time costs.

Most major lessors provide the opportunity to use programs to buy trucks and special equipment. At the same time, applications are considered quickly enough, a little documents will be needed, and the cost will not be too big.

Leasing programs for the purchase of trucks allow you to get at the disposal of various types of equipment:

• dump trucks;
• trucks of various carrying capacities;
• tractors;
• trailers, as well as semi-trailers.

In addition, large equipment manufacturers offer profitable leasing programs. They do this through subsidiaries.

Thanks to the financial rental service of freight transport, legal entities get the opportunity to use freight transport and subsequently redeem it in the property, even if they do not have their own fleet. Trucks purchased on leasing terms must be registered with the STSI.

As an owner is registered lessor, It is he who organizes the registration, as well as passing the technical inspection. In addition, it is the leasing company that is the payer of the transport tax, on it is the obligation to submit the appropriate declaration.

Often, lessors offer all kinds of discounts and benefits if confiscated freight vehicles are purchased. In this case, the client can choose a car from the available confiscation.

Question 4. What can a leasing company do in case of late payment under a leasing agreement?

Leasing is very different from a loan. In the second case (with car loan) immediately after paying the advance payment, the ownership of the car passes to the client. In contrast to this when leasing the car until the end of the contract belongs to the leasing company.

The lessor has the opportunity, if the client violates contractual obligations, to return the car to himself. In this case, it is not necessary to bring a court, property can be seized very quickly.

Therefore, there is no need to allow late payments when registering vehicles for leasing. This is fraught with unpleasant consequences.

If, nevertheless, any problems arise, it is better to immediately warn the leasing company about this. In this case, it will be possible to reach an agreement and avoid taking the car.

8. Conclusion + video on the topic

We hope that after reading the article you will better understand what car leasing is. We also tried to explain in simple and understandable words how car leasing differs from a car loan, in which cases it is worth resorting to the services of leasing companies, and in which it is better to take a loan from a bank to buy a car. In addition, we talked about the stages of processing a leasing transaction for individuals and legal entities (we gave step-by-step instructions).

Do not forget that before agreeing to the terms of the lessors, you should carefully study all the offers on the market. You need to not only weigh everything pros and cons, but also make calculations for various programs. Do not ignore car loans.

This is the only way to choose the really most profitable option.

We also advise you to watch a video about leasing - what is it and how to rent a car for individuals and legal entities:

And a video on the topic "Car leasing for private clients (individuals)":

It should be remembered that the average buyer(not to a specialist) it is quite difficult to independently carry out all the calculations for the purpose of a detailed analysis. Therefore, it will be useful to turn to a financial advisor. An independent specialist will be able not only to make all the calculations, but also to carry out a comparative analysis.

Our Rich Pro project team hopes this article was helpful to you. We wish all our readers financial prosperity and good luck in business. We will be grateful if you rate our article. We also welcome your comments and questions.

Watch the video: How to Calculate Car Payments (November 2024).