What is car leasing for individuals? Registration of a car in leasing for SP.

Many are interested in whether it is possible for an individual to take a car on a financial lease without an initial payment? Yes it is possible. However, it is important to know that paying upfront can make subsequent payments much easier. Since the higher the advance payment, the lower the amount of payments under the contract with a private person.

The leasing company charges interest on the purchase amount of the car. This value is calculated as the cost of the subject of the transaction minus the initial payment. Therefore, when making a large initial amount, the amount of financing decreases. This means less interest and an increase in the price of the contract.

However, not everyone has the opportunity to pay the down payment. Therefore, many financial institutions are increasingly offering individuals to lease a car without this condition. It is wrong to assume that through leasing only freight transport and special equipment. Now cars are leased out. It is called car leasing For individuals.

Leasing a car for individuals without a down payment

You have decided to lease a car for individuals without a down payment in Moscow to work in a taxi. What happens next? You choose a car in the showroom of an automaker's dealer. Your lessor buys this car, registers it with the traffic police, insures it and gives it to you for several years.

Every month, an individual transfers the difference between the purchase price of a car and its residual value, which is written in the contract. When the contract expires, the vehicle is transferred to the leasing company or redeemed at a fixed purchase price.

Car leasing for individuals has its advantages:

• there is no down payment;
• regular payments are lower than with car loans;
• the lease payment often includes all expenses for insurance, scheduled maintenance, tire fitting, seasonal storage tires, etc.);
• the application is considered quickly (in comparison with a bank loan for an individual);
• minimum documents are required for registration.

Conditions for obtaining a car on lease and necessary documents

There are certain conditions for obtaining a car on lease for individuals. This:

• reliable financial condition of the lessee;
• high level of car liquidity;
• clean name in credit institutions;
• good credit history of an individual;
• the ability to issue a property pledge or the presence of guarantors.

To apply in Moscow, St. Petersburg, any other city, you need to fill out and take Required documents to purchase a car on lease without a down payment.

• questionnaire of an individual in the form of the company of the lessor;
• a copy of the Russian passport (all pages);
• copy of the second document ( driver's license, international passport);
• document on income for the last six months (certificate 2-NDFL, certificate of employment);
• a certified copy of the work book (employment contract, other documents confirming income);
• other documents as requested by the lessor.

When you go to the office of the leasing company, do not forget to take all the above documents with you.

Where to get a used car for leasing for individuals?

In addition to a brand new car, you can rent used vehicles. Offers of companies to purchase a used car without a down payment are updated regularly. Since many lessors work with such cars. Often they offer the sale of a car without a down payment from the so-called leasing confiscation. These are cars that are confiscated from customers as a result of non-fulfillment of obligations under transactions. You can rent them at the most favorable terms.

It is profitable to rent used cars. That's why:

• only checked cars in the park;
• guarantee legal purity transactions;
• full car diagnostics;
• certified technical condition;
• one owner.

Truck leasing

Today, trucks under financial lease without an advance payment are purchased not only legal entities and entrepreneurs. Leasing possible trucks for individuals without a down payment. To do this, many companies request only two documents:

• driver's license (passport, international passport);
• certificate of state pension insurance.

In general, less stringent requirements are imposed on the rental of trucks and special equipment. This is due to a number of reasons. Compared to a car, the difference is obvious. Cargo one way or another, use to do business. Therefore, it will generate income. The lessor may adjust the payment schedule in accordance with seasonal changes that have a direct impact on the business. It is possible to take a deferment on the payment of the debt.

How to buy a used car on lease - the cost of a car loan for a used car?

Many people prefer not to take a car loan, but to rent a used car. This is a simplified transaction approval procedure and lower interest rates. And besides:

• purchase without a down payment;
• fixed monthly fee;
• personal approach to each borrower;
• minimum documents;
• no additional fees;
• risk minimization.

It takes a long time to get a car loan. Some find it difficult to meet all the requirements of a credit institution. Therefore, buyers of cars began to turn to lessors more often.

Buy a car immediately full cost pretty cumbersome. And in some situations, taking out a loan is not entirely profitable. Therefore, future car owners spend a lot of time evaluating and comparing all available purchase options and learn about the possibility of leasing a car for an individual entrepreneur.

Leasing: what is it?

Leasing means the use of a car for a certain period of time by agreement. In terms of its characteristics, it is very similar to a rental. But the main difference is that at the end of the contract, the vehicle becomes the property of the buyer.

Not everyone knows how and where to rent a car for individual entrepreneurs. Similar services are provided by companies that act as intermediaries between buyers and sellers of cars. Such activities are carried out not only by individual financial institutions. Leasing agreements are very often concluded in branches and departments of large banks.

Do you know that the first leasing companies appeared abroad in the mid-1950s. And in Russia, commercial banks began to establish such organizations only in the early 90s.

What requirements must be met

Not every merchant can quickly find out how to get approval for a car lease for an individual entrepreneur. First you need to fulfill all the requirements that serve as a kind of guarantee for the leasing company.

Requirements for clients

To buy a car on lease, an individual entrepreneur must meet the following conditions:

• be over 21 years old (in some cases 23 years old);
• have the appropriate IP registration;
• engage in business activities for 6 months, the last three must be break-even;
• make a down payment within 15% -25%.

The leasing company carefully checks the accounts of the private trader. Therefore, the lack of profit leads to the refusal of the individual entrepreneur to buy a car on lease. It is also important to have a good credit history.

What vehicle is being leased

It is beneficial for the lessor to conclude an agreement, the subject of which will be a new car. If you plan to buy a used car, the conditions for leasing a car for individual entrepreneurs become tougher:

1. The maximum term of use is only 5 years.
2. Mandatory overhaul.
3. The presence of a valid contract with a car service for servicing the selected car.
4. Documentary evidence that the machine foreign production passed the customs clearance.

A big plus for both parties will be a guarantee from the car factory for the entire duration of the agreement.

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Validity

In practice, the duration of the transaction is rarely more than 5 years. In leasing cars for individual entrepreneurs, the same rules are defined as in a car loan. When the agreement is concluded for a longer period, the amount of the monthly fee automatically becomes less. In each case, the term is selected individually. Therefore, the entrepreneur immediately needs to estimate his financial capabilities, so as not to violate the terms of the contract later.

The first installment under the leasing agreement

When the buyer transfers the initial payment, then leasing company sees that a small business is serious about long-term cooperation.

But there are situations when there is no specific car in the fleet of a financial institution. Then the lessor can buy such a car and lease it to the individual entrepreneur.

Overpayments and commissions

For individual entrepreneurs, the leasing agreement for the purchase of a car stipulates the condition that the cost of the object will rise over the entire period, the indicator of which is calculated as a percentage. In the end, the entrepreneur will significantly overpay for the car. These costs are affected by:

• financial policy of the leasing organization;
• the size of the down payment;
• monthly payment accrual scheme - annuity or differentiated.

Lessors are allowed to charge a fee for the preparation of the contract and other documentation, which must be confirmed by the relevant papers. At the same time, they have the right to direct the payment of an individual entrepreneur to pay off the commission. If later it turns out that the amount is insufficient for the monthly installment, then the leasing company may also charge a fine. Therefore, it is recommended that you read the contracts carefully.

Did you know that the car manufacturer Henry Ford sold cars using interesting scheme payment. According to her, buyers received a delay for the final payment. They regularly made payments, gradually returning the cost of the car to the entrepreneur in parts and paying interest.

List of documents for leasing for legal entities

Individual entrepreneurs are required to submit an application and financial statements. If the company gives permission, then for the conclusion you need to bring:

• passport;
• information about existing debts;
• certificate of status of individual entrepreneur;
• extract from the EGRIP.

Lessors have the right to request additional documents.

How the deal goes

The process looks like this:

1. The entrepreneur makes a choice of a car model, after which a package of documents is provided to the leasing company.
2. In case of a positive decision, a contract is concluded with the buyer.
3. The initial payment is made, the car is issued for use.
4. During the term of the agreement, a fixed payment is transferred every month.

After the termination of the contract, the vehicle is transferred to the property.

Where is car leasing issued?

Long-term car rental is included in the activities of many well-known banks. You can learn more about how to lease a car for a novice entrepreneur in any of the companies below.

VTB 24

The following programs are offered to private traders:

1. Minimum advance. The contribution amount is from 10%.
2. Minimum price increase. Here you can buy cars with almost no overpayments.
3. Minimum payment. The company approves the reduction of monthly payments by extending the term to 5 years.
4. Operational leasing. The essence of this program is that an individual entrepreneur draws up a contract for car maintenance with management company thereby reducing their costs.

Each of these proposals is somewhat favorably different from the other. In any case, the businessman chooses the one that he can pull during the term of the contract.

Sberbank

An individual entrepreneur can take one of four programs that differ only in the type of vehicles: cars or commercial vehicles, special equipment, trucks. Contracts are concluded for a period of 1 to 3 years. The total amount is up to 24 million rubles.

Europlan

In this company, you can easily buy a car on lease for individual entrepreneurs. She's got enough big choice special programs:

• passenger cars from manufacturers with discounts:
• rally cars;
• large purchase of cars with a 10% profit;
• taxi leasing;
• commercial and cargo vehicles with the possibility of seasonal contributions;
• construction and special equipment;
• operational leasing;
• offers from dealers.

Europlan draws up leasing agreements with individual entrepreneurs, for which there are no overpayments. In order to purchase a car in this way, certain conditions must be met.

Do you know that modern leasing is practically the most effective method in order to acquire expensive fixed assets. In developed countries, the level of investment in the economy reaches 40% of leasing operations.

For the owner of a small company, it is important to know what is the benefit of leasing a car for an individual entrepreneur. There are a number of undeniable advantages that are not available in car loans:

1. paid by the lessor, as it is listed on its balance sheet.
2. There are no commission fees for account maintenance.
3. Leasing payments in full in IP accounting are charged to costs. In the case of a car loan, only interest is posted.
4. The payment schedule is tailored to the entrepreneur.

It turns out that it is more profitable for an individual entrepreneur to draw up a leasing agreement. You can choose a program with or without a down payment.

Can an individual entrepreneur lease a car from a manufacturer? Of course. And it will profitable investment. Many foreign and domestic car factories offer the use of their products in leasing at special prices. As soon as the term of the contract expires, the cars are transferred to the property. Among entrepreneurs, there is a demand for cars from the following manufacturers:

• Lada;
• Kamaz;
• Mercedes.

Contracts are drawn up with intermediary companies. You don't need to provide a lot of paperwork. The transaction is carried out in a very short time. Also, the lessee has the opportunity to independently choose a program and learn in practice how car leasing for individual entrepreneurs works.

Pros and cons of car leasing for sole proprietorship

There are the following advantages of car leasing:

• fewer documents are provided, in contrast to obtaining a loan;
• no need to pay taxes for the car until the end of the contract (see Which ones exist?);
• if the car is damaged, the lessor deals with the insurance company.

Despite the fact that leasing is clear benefits, such transactions also have disadvantages:

• overpayment for a car;
• the right of the leasing company to impose a restriction on the use of the car, for example, setting a mileage limit for the year;
• the possibility of terminating the contract without a refund of the money paid by the individual entrepreneur.

What is car leasing for an individual entrepreneur? This is, first of all, a simple design and the presence of completely non-risk programs, unlike car loans. Therefore, the lessor can approve the application even with a zero balance.

In the event that it is not possible to purchase a car immediately for cash, individuals have to look for other ways to get what they want. Recently, the scheme of buying a car on lease is gaining popularity.

Long time ability to use lease agreement existed only for legal entities. Today, this way of acquiring a car is becoming real for individuals.

Previously, citizens could quickly get a car at their disposal only by buying or renting it. Now everyone has the opportunity to purchase a car on credit or leasing. The only difference is that under a loan agreement, a person uses his own car, and under a leasing agreement - a vehicle rented from the lessor.

What is car leasing for individuals?

Let's look at this issue in more detail. To understand what car leasing for individuals is, you should refer to the legislation. Federal Law No. 194 “On Financial Leasing (Leasing)” offers the following definition: this is such a scheme in which the lessor undertakes to buy into his own possession the property indicated by the lessee (in our case, a car) from the seller chosen by him, and also provide this very property for possession and use for a previously agreed fee with the right of subsequent redemption. It is possible to indicate in the contract that the choice of the seller and the acquired property can be carried out by the lessor.

Thus, the leasing agreement is tripartite. But the main actors between whom long-term relationships arise are the lessor and the lessee. Previously, such an agreement was popular with legal entities and individual entrepreneurs who applied it for the purpose of making a profit during the lease. vehicle. Now it has become convenient for individuals to use it.

Advantages of leasing for individuals

Buying a car on lease for individuals has a number of advantages compared to other forms of purchase with deferred payment. Among the main positives are the following:

• more loyal than with car loans, requirements for the borrower, often the credit history is not checked;
• a minimum package of documents is required for registration;
• the lessor is responsible for passing the technical inspection of the car, its insurance, registration (including the corresponding costs);
• not interested in the credit history of the lessee;
• more loyal lending conditions, including the opportunity to receive a deferred payment or extend the contract if necessary;
• the ability to cancel the car at any time.

Cons of buying a car on lease

In addition to the advantages of buying a car on lease, there are also disadvantages of such a scheme. Moreover, the cons of leasing a car of individuals are usually much more interested. After all, everyone wants to know what pitfalls can await with such a transaction. The disadvantages of leasing include the following:

1. An individual is not the owner of the car, but only uses it by proxy. The car in this case belongs to the lessor.
2. An individual who has leased a car does not have the opportunity to change anything in the vehicle in any way, to operate it at 100%. Under the contract, the lessor firm prohibits any actions to be applied to the collateral, such as painting, driving it abroad, etc. In addition, from time to time, the lessee will need to appear to inspect the car at the office of its owner, as well as coordinate each action planned for the car.
3. In the event of an accident or if there are problems with driving, the leasing company has the right to apply penalties.

It turns out that in some cases it may be preferable to take a car loan than to buy a car on lease for individuals.

Requirements for the lessee

There are a number of requirements for the lessee, which are presented in almost all companies that provide a car for leasing to individuals:

• you need to have a driver's license to sign the contract;
• the requirement to have Russian citizenship and registration;
• should be permanent place work and seniority, respectively, and permanent income;
• the preferred age of an individual is 20-60 years.

by the most simple requirement when concluding a leasing agreement, it will be the provision of a citizen's passport Russian Federation and driver's license. The certificate of permanent income is quite reasonable, since the lessor needs to be sure that he will receive the amount due to him. But the latter is insured against non-payment by the fact that the property belongs to him completely, up to the final settlement. Therefore, if payments stop coming, the car will be returned to the lessor, and the payments made before that cash will be accounted for under the contract as payment for rent.

Agreement conditions

Depending on the company with which cooperation is carried out, the conditions under which a car leasing agreement is drawn up with an individual may vary. However, there are a number of points that are always taken into account.

Payment order

One of the important sections that everyone is interested in in a leasing agreement is the payment procedure and the timing of payments. All schedules and conditions are determined by the leasing company itself, and it is they who decide what will be the terms of leasing for individuals for a car.

Most often, the time to buy a car is given from two to five years. Naturally than longer term the lower the monthly payment. A schedule is agreed between the parties, according to which the lessee undertakes to pay the amount due.

The contract also specifies the possibility of early redemption of the car. This procedure will help save some money. You should be careful when signing documents: often the lessor indicates in them penalties for early repayment.

Prepayment

The contract sets the prepayment amount, which can vary from 0% to 50%. Making such a payment is beneficial due to the fact that the more the lessee pays in advance, the less he will subsequently have to pay every month. The minimum prepayment is beneficial for those who have little money to buy a car.

In addition to those mentioned above, there are other significant:

• procedure for obtaining a car;
• how the car will be checked, the maintenance schedule is negotiated;
• penalties for non-compliance with the terms of the contract;
• car insurance policy.

Before leasing a car, individuals should carefully study the terms of the contract. If you disagree with some points of the document, you should immediately discuss them.

Choice of lessor

Some precautions should be taken when choosing a company for leasing a car. It is important to responsibly approach the verification of the company with which the contract will be concluded.

The lessor must have a certain reliability and work in the market for some time. If such a company is part of a large holding, this is an undoubted advantage.

A reliable organization has some list of supplier companies with which it works. It must also provide leasing services to individuals and have prices for its services freely available.

To understand whether a deal is profitable, it is important not only to know what car leasing for individuals is, but also to choose the right lessor. For this purpose, it is necessary to collect maximum amount information about companies providing such a service.

Car leasing in Minsk for individuals provides a huge number of organizations. How not to make a mistake with the choice, not to stumble upon scammers? What to pay attention to?

There are several rules that will help you choose a reliable lessor:

1. A company's experience can be judged by how long it has been in the market. It is this period that makes it possible to judge that the lessor is quite reliable and is not a one-day company.
2. The presence of a filled Internet site at the organization is a sign of the seriousness of intentions. In this case, it is worth carefully studying the resource. It is desirable that there be not only information about the organization, but also useful articles on the topic, a pre-calculation calculator.
3. It is important to check the contacts for communication with the lessor. It is desirable that there is a possibility of a round-the-clock consultation. In the future, when a non-standard situation arises, this can be very useful.
4. Prior to the conclusion of the contract, the lessee must be provided with all the necessary information (for example, a payment schedule), explain all incomprehensible points. IN without fail the client should be told where and under what conditions the car will be serviced.
5. Having chosen the preferred lessor company, the buyer should study reviews about it on the Internet. But don't blindly believe any of them. Very often, reviews are written to order by the organization itself or its competitors. Usually truthful opinions are written in simple language, without abstruseness, with a specific description of the situation.

Registration stages

The procedure for leasing cars for individuals usually includes the following steps:

1. The vehicle is being selected.
2. The lessee submits an application to the lessor's company. In this case, applications can be submitted to several companies.
3. Companies give their answer to the application with the calculation of the cost and payment schedule. That is, they make their offer on a specific occasion. The lessee at this stage has the opportunity to choose the prices and terms provided.
4. Upon receipt of a positive decision, an individual visits the office of the company to complete the transaction.
5. The office regulates all disagreements, prepares a final version of the payment schedule and the amount of payments.
6. An advance payment is made. The funds are transferred to the seller's account.
7. The car is registered in the ownership of the leasing company and transferred to the use of an individual.

Is car leasing beneficial for individuals?

The purchase of a car on lease is very profitable and convenient for citizens who, according to different reasons do not want to appear in various documents as the owner of the vehicle. There may be several reasons for this. For example, in order not to divide it during a divorce or in order to hide property from bailiffs.

Many leasing companies have partners in expensive car dealerships. Such salons provide their customers with pleasant discounts and bonuses.

If a citizen is going to lease a car that has already been in use, then there are some special moments here. Certainly, given type cars are much cheaper and the age of operation does not exceed 5-7 years. All Maintenance, as in the case of a new car, is carried out at the expense of the lessor. And this is a big plus, since the lessee does not have to worry about how to replace one or another part.

Due to the high cost freight car leasing for individuals is also extremely profitable.

Leasing is also convenient for those who are used to regularly changing cars. At the end of the existing payments under the leasing agreement, the car can either remain in the full possession of the lessor, or become the property of the lessee. A lease agreement, unlike a loan agreement, can be terminated much faster and easier. A citizen acquires the ability to change cars more often without wasting time on resale.

Having carefully studied what car leasing for individuals is and what are its features, everyone should draw conclusions for themselves. The most convenient way to purchase a car depends on the specific situation and personal preferences of the consumer. Moreover, everyone can identify the advantages and disadvantages of such a scheme, which will manifest themselves precisely in his situation. It turns out that it is up to the consumer to decide whether to issue a lease or not. We note one thing: the existence of such methods of acquiring a car has helped many, and more than once.

More recently, only a legal entity had the right to lease a car. But the laws have changed, and now the service is available to everyone. About what is car leasing for individuals, as well as the most detailed information You can read about the procedure for drawing up a contract in this article. Here are all the pros and cons regarding this procedure.

Car leasing

The concept of "leasing" came into use relatively recently. And in Russia, most of the population is just beginning to learn about him. Many confuse it with a loan or a lease and want to know what car leasing for individuals is. Although it is close to the above concepts, its essence lies elsewhere. talking in simple words, this is a combination of two ways to purchase a car: rent and purchase. By concluding a car leasing contract for an individual, you thereby undertake to pay a certain amount every month. And at the end of the contract you get the opportunity to purchase a car in the property. Such a service is used by those citizens who, due to circumstances, are not able to purchase a car immediately, but do not want to take a loan.

There is also a more formal definition of leasing in Federal Law No. 194, according to which leasing is nothing more than an agreement between the lessor and any citizen. The leasing company takes ownership of the car you like and leases it to you. With one caveat - at the end you can redeem it.

Although the system of acquiring a car on lease appeared back in the 70s, in Russia it is just beginning to develop. According to statistics, in Europe, 30 percent of cars purchased were purchased with the help of leasing companies. Our compatriots distrust a foreign word, and the regulatory system at the legislative level is not so well developed.

What is car leasing for individuals?

All more it becomes clear to people that this type of service is more profitable than the same loans. After all, when there is no opportunity to purchase a car right away, many people know only one way out - to contact the bank for the required amount at extortionate interest. The concept of leasing is more known and widespread in Europe, but companies providing such services have recently begun to appear on the territory of Russia.

There are two types of car leasing for individuals:

• After the end of the contract, the car becomes the property. Such leasing is called financial leasing with full payback. The contract usually contains the following conditions: the company providing the service undertakes to buy the car from a third party and lease it to the recipient of the service. The recipient is obliged to pay the full cost of the car before the end of the contract. The amount is usually calculated from the price of the car and depreciation costs.
• The car remains the property of the lessor. In this case, the vehicle is not redeemed by the leasing recipient, but remains the property of the company.

Thus, car leasing for individuals is a compromise solution for those who do not want to take a loan or installment plan from a bank. The multitude of payment options and their flexible schedules make it easy for just about anyone to pick up any car, get in and drive. The main thing is not to forget that in case of default, the contract can be terminated and the car returned.

Leasing conditions for a car for individuals

As with the conclusion of any contract, all participants must comply with a number of requirements. The conditions for leasing a car for individuals are as follows:

1. A mandatory document is a certificate of the ability to pay monthly payment. For these purposes, an extract from the place of work in the format of 2NDFL is suitable.
2. A citizen seeking to conclude an agreement with a leasing company must be of age and capable.
3. Insurance is also a mandatory element of the contract. As a rule, this is OSAGO, which must be issued every year. Thus, the rental company seeks to protect itself from causing harm to the car, because there are many accidents on the roads.

Getting a loan from a bank is now quite problematic. The number of borrowers is increasing, and the percentage is growing along with them. Leasing can be used by those who for some reason could not get a loan for a new car. Bad credit history, age, lack of savings are often the reasons for refusing a loan, but not leasing. It is also useful because you do not purchase a car, that is, it is not indicated as a property, which greatly simplifies the life of many people.

Difference between leasing and loan/rent

After the question of what leasing is, another one follows - how does it differ from a loan or a lease? If you enter into a car rental agreement, it does not become your property at the end of the agreement. Yes, as a result, payments are less, but this option is only good as a temporary measure. In addition, when renting a car, you are responsible for maintaining, repairing and insuring the car. Leasing involves the transfer of all these concerns to the company that owns the car. This does not mean that they will pay for OSAGO from their wallet, but the payments will be included in the total amount and stretched over time, so they will not be so noticeable.

Leasing a car to an individual is much easier than taking a loan. The differences between these types of purchases are small, but still there. Taking a loan from a bank, you immediately get a car in the property. But with leasing, you can register the property for yourself only at the end. For some this is a plus, for others a minus. But consumers are most interested in the final difference in the final purchase price. For maximum benefit it makes sense to choose a premium car category. For budget models leasing will most likely not make sense. For more full understanding Let's give an example of the benefits of leasing in comparison with a loan.

Taking a car worth about 1,200,000 rubles from a bank with a minimum interest rate, you make a down payment of 240,000 rubles. In this scenario, the monthly payment will be 47,000 rubles, and the overpayment will be 162,000 rubles. In addition, you will immediately have to pay for expensive insurance and maintenance yourself. If you are leasing a car of the same value, your monthly installment will be 42,000 rubles. At first glance, not much less, but in the end you can save more than 120,000 rubles. And it is perfectly logical that, than less cost car, the smaller the benefit. After learning about what car leasing for individuals is, many decide to make a choice towards long term lease and not a loan.

Step-by-step instruction

How to lease a car to individuals? This procedure practically no different from buying on credit. First you need to choose a car. Currently, residents of large cities have a large selection of leasing companies. Some work with major suppliers, others are engaged in used cars - you just have to choose the right car.

After choosing a company and a car, the turn comes to signing a car leasing agreement with an individual. You need to familiarize yourself with it in advance and clarify all incomprehensible points. As a rule, the contract for the provision of leasing services is tripartite. By agreement of the parties, you will have to pay a fixed amount for a period of 6 to 60 months. The first payment (advance) is usually the largest. During the entire rental period, the buyer undertakes to properly care for the car. A necessary element is also OSAGO insurance, which protects all parties from unforeseen losses in case of damage to the car.

Used cars

A truck can be leased for individuals in the same way as a passenger car. Used cars are especially in high demand. Is it realistic to lease such a car, because the risks are much higher here?

The procedure for acquiring a used car on lease differs little from the standard one. Most likely, you will be offered to choose a car in a proven salon, where all cars are serviced and pre-sale preparation. It makes sense to take a car that has been in use for no more than 10 years. Individual entrepreneurs take advantage of this opportunity and quite often acquire freight transport on lease for the needs of the enterprise. If you also want to buy a used car, we advise you to pay attention to some details:

• Choose quality salon with good reviews.
• Check the VIN code of the car, which will show specifications cars and accidents.
• Legally draw up all the details of the purchase agreement.

After completing all the points, you can be sure that your car will not let you down. Buying a used car on lease can be more profitable than buying new car on credit.

Advantages of leasing

What is the convenience of leasing? Why is more and more more people runs to him? The advantages of car leasing for individuals include:

• More convenient payment schedule. Unlike fixed loan payments, a leasing company can choose a more convenient schedule and amount. The lease period is 1-5 years, but can be extended by agreement. Leasing companies provide an opportunity to make the first payment (advance) in an increased amount, or make it equal to the rest of the installments.
• To conclude a contract, you need fewer documents: you will not need to run for months trying to collect all the necessary certificates.
• You yourself determine whether to make a down payment or not, and how much it will be.
• You do not need a guarantor and collateral.
• The application will most likely be considered very quickly.
• Leasing is convenient for individuals who work in the service industry.
• You can choose several leasing options: both with the transfer of ownership and without.
• Leasing a car is tax-free, unlike acquiring a car as property.

Cons of leasing

Leasing is very convenient for buyers. It saves not only money, but also time. But leasing a car for individuals also has disadvantages:

• It is profitable to take leasing for cars only over 1 million rubles.
• The buyer does not have the right to dispose of the car as his property: rent it, sell it.
• Until the final buyback, the car remains the property of the company.
• In case of non-compliance with the terms of the contract - delay in payments, damage to property - the car will be seized.

Is leasing a car profitable? The answer to this question can only be given by carefully examining each specific case. If you are going to enter into a car leasing agreement with the transfer of ownership, after the expiration of the agreement, you will be able to sell it and minimize the cost of use.

Where to apply for car leasing?

Choosing a leasing company is very milestone. What criteria should be followed in this case?

There are many car leasing companies for individuals in Minsk. The choice is great. Here are some of them:

• "Infoleasing": Mayakovsky street, 176;
• "AutoTradeLeasing": Nemiga street 3, office. 405;
• "Activeleasing": Logoisk tract, 22A;
• "IdeaBank": Z. Byaduli street, 11;
• "Leasing construction vehicles": Tashkent street 6A.

All of them receive exclusively positive reviews. You should choose a car leasing company for individuals in Minsk in the same way as in other cities. Most importantly, choose a firm that you can trust.

Results

When you want to lease a car to an individual, you need to decide on the purpose of the purchase. If you are buying a budget car or want it to be your property, it is better to take it on credit. If you choose a car worth more than a million rubles in order to maintain status, then it is better to turn to the services of leasing companies. When purchasing a truck, due to its high cost, the services of such a company may also be needed. Are you used to changing your car every 5 years? Most likely, it does not make sense to acquire a car as a property - and leasing can help out here. In other cases, you need to carefully weigh all the pros and cons before entering into a car rental agreement with a subsequent purchase.

At 47% Russian families have a car. According to a VTsIOM survey, this figure has grown by 10% over eight years. In 2006, only 37% of respondents had a car in their family.

According to the Automakers Committee of the Association of European Businesses (AEB), almost three million new cars were sold in Russia in 2013. In 2014, sales decreased by 8%, but there is still demand.

Plans to purchase a four-wheeled iron horse» students (23%) and housewives (25%) build more often than others. It is not surprising that every second new car in Russia is purchased on credit.

The popularity of car loans is explained by the fact that it is difficult to save up and buy a car for cash. But there is another financial instrument that makes the dream of a car come true. This is leasing.

Car leasing is a popular way of purchasing a car in the USA and Europe. There, up to 30% of cars bought by private individuals are leased. In Russia, this figure is negligible. Why?

Let's analyze the mechanisms of car loans and car leasing, weigh their pros and cons and try to understand what is still more profitable.

car loan

A car loan is an interest-bearing loan issued by a bank or other credit institution to an individual for the purchase of a car.

This is a popular type of consumer lending. Peculiarities:

• This is a targeted loan: money can only be spent on buying a car.
• This is a secured loan: the car remains pledged to the bank until the loan is repaid.

Legal regulation of car loans is carried out Civil Code(Chapter 42), the Law "On Banks and Banking Activities" (dated December 2, 1990), the Law "On Consumer Credit (Loan)" (dated December 21, 2013) and other regulatory acts.

Types of car loans

There are various loan programs for buying a car:

1. "Classic" (More details below);
2. Express loan: simplified procedure, but high interest rates;
3. Loan with buyback (BuyBack): part of the loan is “frozen” and paid at the end of the term of the contract either by the borrower or by the car dealer, provided that the proceeds are credited for the purchase of a new car;
4. Trade-in: exchange of an old car for a new one with a surcharge. The cost of a used car is offset by the cost of a new one;
5. Factoring (interest-free loan): 50% of the cost of the car is paid, the rest is paid in installments;
6. Loan with no down payment: when lending from a car dealer, the absence of a down payment can be a bonus.

In addition, we can talk about loans for used cars and loans without insurance as separate areas.

Car loan mechanism

Most often they resort to classic car loans. Let's take a look at his diagram.

You want to buy a car. There is no money for a new "iron friend". You go to a bank or a mortgage broker.

A loan broker is a commercial organization that acts as an intermediary between a borrower and a lender (a bank or a car dealer). Assists in the approval and processing of a car loan.

Car dealers can also act as lenders. They provide loans from their own funds or cooperate with banks.

You choose a bank (or a car dealer), study the terms of credit. Having decided, fill out the questionnaire and collect documents. The bank needs to make sure that you can repay the loan (solvency) and that you have no other debts (credit history). For several days, the bank thinks whether to issue a loan or not.

If the decision is positive, the bank and the borrower (now you) enter into an agreement. It specifies the term, interest, down payment, rights, obligations and responsibilities of the parties.

All the hassle of car registration falls on your shoulders. Also, most often the loan agreement provides for insurance at the expense of the borrower. And not only OSAGO, but also CASCO.

You are a happy car enthusiast! The main thing is to carefully repay the debt and do not forget that although you are the owner, the car is pledged to the bank. You not entitled to sell, give away or exchange. And if hard times come and there is nothing to pay on the loan, the bank (car dealer) will take your "swallow".

Pros and cons of a car loan

A car loan, as a financial instrument, has its advantages and disadvantages.

• You can have a car without capital. Only a few can buy a car for cash, but saving for a long time and not always works.
• Big choice. You can buy what you like, not what you have enough money for.
• A variety of lending programs: you can choose the most profitable for yourself (with minimum term or, for example, without a long registration).

• Complicated procedure. Strict requirements for the borrower.
• Increase in the cost of a car. You will have to pay interest + compulsory insurance.
• Car deposit.

Car leasing

The word leasing comes from the English lease - "rent". But in Russian law Leasing is not the same as renting. We have it view lease relations. In them, one party (the lessor) invests money in the purchase of property, and the other (the lessee) accepts this financial service and uses the purchased property.

Leasing legal relations are regulated by the Civil Code (Chapter 34), as well as by the Federal Law “On Financial Lease (Leasing)” dated October 29, 1998.

The subject of leasing can be any non-consumable things (except land), including vehicles.

Autoleasing mechanism

Car leasing is the purchase and transfer of cars for temporary possession and use for a fee on the basis of an agreement between the lessor and the lessee.

The general scheme is as follows.

you want a car. There is no money to buy. You apply to a leasing company. You tell them what kind of car you would like to have and show some papers.

Unlike a loan, the package of documents is minimal. As a rule, this is a statement, a passport and a driver's license. From a procedural point of view, leasing is much simpler than lending.

An agreement is concluded between you and the leasing company. From now on, you are the lessee.

Currently, the lessee can be both legal entities and individuals - NOT entrepreneurs.

Until 2010, the Law "On Leasing" contained a clause according to which the leased asset could only be used for commercial purposes. In leasing, they took mainly buses, trucks and agricultural machinery. Financial lease passenger transport practically non-existent.

But now there are leasing programs for citizens, according to which they can get any car for use. Currently, only three companies are engaged in leasing for individuals in Russia.

After the conclusion of the contract, the lessor buys a “dream car” for you and transfers it to you for use.

Keyword - use. The owner of the car is the lessor. In this regard, it is he who is engaged in registering the car, passing technical inspections and other chores.

It should be noted that all additional expenses incurred by the lessor (insurance, taxes, etc.) are ultimately paid by the lessee, as they are included in the lease payments.

Leasing payments are usually less than loan payments. The fact is that they are calculated minus the so-called residual value.

residual value- this is the redemption fee for the car, which the lessee must pay at the end of the lease term in order to get the car into ownership.

Also, the amount of payments is affected by the presence / absence of an advance payment and its size. In other words, the more you pay at the beginning and at the end, the less you have to pay monthly.

During the leasing period (from one to five years) you are a happy car enthusiast. The main thing is not to forget to make monthly lease payments and remember that at the end of the contract you will either have to buy the car or return it.

Types of car leasing

There are two auto leasing schemes:

Pros and cons of car leasing

Car leasing saves you a lot of hassle. For example, you do not need to waste time searching for a seller and car registration. And this is not the only advantage.

• More flexible payment schedule. As a rule, they are lower than loan installments.
• Simplified procedure for collecting documents and concluding an agreement.
• The ability to update the car every few years.

• The car is owned by a leasing company. At the slightest problem with payments, as well as financial difficulties the lessor himself, it can be withdrawn.
• The vehicle user cannot sublease it.
• Individuals do not have tax preferences for car leasing.

Automotive arithmetic

Knowing the mechanisms of car loans and car leasing, the main question still remains: “Which is more profitable?”.

To answer it, we asked Leasing Trade to compare the costs of leasing for individuals and a car loan under equal conditions. Here's what happened.

"Property was chosen - Toyota car Corolla 2014 release, cost 690,000 rubles (sedan; engine power - 1.6; 122 hp).

We took standard car loan calculations: the loan amount is 690,000 rubles, an advance payment of 20% or 193,800 rubles, a period of 36 months. We took the calculation of a car loan from one well-known bank (let's call it X) as a basis. The interest rate on its lending program with a standard set of documents is 15% per annum. The calculation was made without taking into account financial protection programs, OSAGO, CASCO and additional expenses.

The calculation of leasing for individuals is based on the offer of one of the leasing companies (let's call it Y). The monthly payment did not include OSAGO, CASCO, as well as mandatory and related payments (transport tax, vehicle registration with the traffic police, annual maintenance, etc.).

Car maintenance costs will be approximately equal in both cases, are mandatory and calculated separately.

CASCO and OSAGO insurance was made based on the following parameters:

• OSAGO: 5,500 rubles; region - Kazan; driver's age - over 22 years; driving experience - more than 3 years; car power - 122 hp One driver is allowed to drive.
• CASCO: 86,000 rubles; place of registration of the vehicle - Kazan; information about an individual: male, 30 years old, marital status - married, one child; driving experience - more than 6 years, accident-free driving. One driver is allowed to drive.

	car loan	Car leasing
car cost	RUB 690,000	RUB 690,000
Interest rate	15%
Term (in months)	36	36
Initial payment 20%	RUB 138,000	RUB 138,000
Payment type	uniform	uniform
Monthly payment	RUB 19,135	RUB 11,790
Interest overpayment	135 000 rub.	no, as the car is being returned
The total amount of payments = the amount of payments under the agreement (credit / leasing) + advance payment	688,860 + 138,000 = 826,000 rubles	424,440 + 138,000 = 562,440 rubles
Security deposit	0	0
CASCO insurance	RUB 86,000	RUB 86,000
OSAGO	5 500 rub.	5 500 rub.
Registration of the vehicle in the traffic police	2 000 rub.	2 000 rub.
Transport tax	4 270 rub.	4 270 rub.
Minimum income to buy	31 900 rub.	31 900 rub.
Market value of the car at the end of payments	RUB 539,000	0
Advance redemption payment	absent	RUB 441,000
The cost of buying a car	RUB 826,000	562,440 + 441,000 = 1,033,440 rubles

»
Thus, if we consider the option in which leasing does not provide for the transfer of the car into the ownership of the client, then the monthly payment under the leasing agreement will be lower by 7,345 rubles (that is, by 38%). Property insurance costs will be equal in both cases and are mandatory.

But if we take a situation in which a car is purchased for the purpose of long-term (up to 5 years) operation, and in the case of leasing an individual and then repurchasing ownership, then, undoubtedly, a car loan will be a more cost-effective and cheaper way to get a car. Since the acquisition costs (excluding insurance and mandatory expenses) will amount to 826,000 rubles for a car loan against 1,033,440 rubles for car leasing.

At the same time, our expert draws attention to the fact that:

• by mass and popular brands(Kia, Opel, Nissan, Mitsubishi, Chevrolet) and premium (BMW, Audi, Mercedes-Benz, Porsche and others) discount of leasing companies can be on average 10%, which allows you to make calculations much lower (often twice) than on a car loan.
• for premium clients high level Income leasing will be a profitable and comfortable service, since it is possible to include insurance, tax payment, car maintenance and repair in the payment.

What to choose?

After the amendments to the Law "On Leasing", many experts predicted a boom in leasing transactions with individuals. After all, it would seem that the benefits are obvious. No guarantors are needed, fewer nerves during registration, and most importantly, lease payments are not so burdensome for the family budget. But the boom didn't happen.

Comparative table of car leasing and car loans:

	car loan	Leasing for individuals
Property	New and used cars	Exceptionally new cars foreign production, except for Chinese cars
Financing term	12-60 months	12-36 months
Prepaid expense	Banks rarely issue car loans without a down payment. Minimum advance from 15%	Advance payment from 0%, but leads to an increase in the cost of monthly payments. Minimum advance payment from 20% to 49%
Package of documents	Standard: passport, income statement 2-NDFL, a copy of the work book. The reduced package is more expensive at rates	Standard: passport, driver's license (sometimes also income statement 2-NDFL)
Car insurance	Mandatory annual insurance OSAGO, CASCO. Optional: voluntary life and health insurance, financial protection programs. It is possible to include CASCO in payments	Annual OSAGO insurance is obligatory. It is not necessary to insure CASCO, but this leads to an increase in the cost of the monthly payment
Ownership	The car is the property of the client, but is pledged to the bank	The car is the property of the leasing company, and the client is transferred for temporary use under the contract
Processing speed	You can buy a car on credit in a short time with a minimum package of documents under the Autoexpress programs. As a rule, interest rates rise by 2%	You can buy a car in a short time in leasing with a minimum package of documents
Mileage limit	Is not limited	Mileage limit up to 25,000 km per year
Other restrictions	–	Departure of the car abroad only with the official permission of the leasing company
Additional services and service	–	The leasing agreement may include full insurance, annual technical inspections, seasonal tire service and storage of tires, accounting features, payment transport tax And so on. All this adds up to higher monthly payments.
Early partial or full repayment	In loyal banks, there is usually no limit on the amount and terms	Strictly not earlier than 6 months
Redemption value	Absent	Adjusted based on the condition of the car, can be calculated in advance at the stage of concluding a contract
Seizure of property	Through the court in case of delay under the contract	According to the agreement, the owner of the property is the leasing company, in case of non-fulfillment of obligations under the agreement, the seizure is made without a court decision

»
According to experts, main reason lack of demand for leasing for individuals in Russia - in the tax system.

In the USA, where car leasing is very popular, there is a so-called “ financial statements households." That is, the budget of an individual is treated in the same way as the budget of an enterprise. In this regard, by leasing a car, a citizen receives the same tax benefits as a businessman. In Russia, only legal entities can return VAT. For them, leasing is really beneficial, as it allows you to minimize taxes. For individuals, VAT is included by the leasing company in monthly payments.

In addition, there is a significant difference in the psychology of domestic and Western motorists. “The car is not mine - they’ll just take something away, and my money was crying.” Such reasoning stops many who are looking at car leasing. Indeed, a leasing company does not even need to go to court to claim a car in case of problems. When paying off a loan, a person perceives it as a contribution to his property.

Thus, when choosing between a car loan and car leasing, it is important to understand your needs well. If you need a status car and you want to update your car regularly, then most likely you will need financial lease without ransom. If you want a reliable “iron friend” for many years, then a loan will be more profitable.

Tell your friends about this article and express your opinion in the comments. What do you think is more profitable: car loan or car leasing?