What is car leasing. Car leasing for taxi organization

27.04.2019

When it is not possible to pay high interest on a loan or monthly rental payments, but it is necessary to use services and transport for business, LLCs and individual entrepreneurs use leasing. It is a merger of a loan and a lease: by paying the installments for the transport/property, the lessee becomes the owner of the property after the full payment of the amount.

It will be useful for small and large individual entrepreneurs and LLCs, as well as individuals interested in business development, to find out information on where to apply for leasing, and what are the advantages of the service.

Benefits of leasing for sole proprietors and LLCs

Unlike a loan and a lease, leasing for an LLC has practically no disadvantages:

For registration, fewer documents and reports are required, there is no need to provide a business plan and comply with the “statute of limitations”.
The lessee actually makes an installment plan for the acquisition of business units: after payments, the property passes to him.
Commercial benefits and the ability to use the object for business purposes arise immediately after the conclusion of the leasing agreement.
Pledge and guarantee are not provided for when drawing up a leasing agreement.

When choosing between a lease and a loan, individual entrepreneurs and LLCs can stop at the best option. Even if the interest on the loan or the rent is low, if possible, it is better to arrange a lease and use the resources here and now, counting on the further transfer of the leased object into ownership.

The best companies for leasing

The leasing market is undergoing changes: if earlier only large organizations used the service, now the conclusion of lease agreements (with transfer to ownership) is also found among small businesses. Small companies in 75% of cases are interested in transport: where to rent a car without going broke on mandatory contributions?

Europlan - leasing for businesses and individuals

The leasing company specializes in vehicles. To conclude an agreement, customers must fill in the data on the site - full name and phone number. The operator will contact the lessee and clarify the details of the contract. The procedure takes no more than 15 minutes.

The advantages of "Europlan" is a low advance payment (10-49%) and registration of CASCO as a gift. At the choice of the lessee - cars from 480 thousand rubles to 15 million rubles.

It is not necessary to go broke to buy a new, "salon" car - used cars are successfully issued under Europlan's leasing.

If there is a financial opportunity, then you can fully redeem the car after six months after the execution of the leasing agreement.

Important: the company does not require any certificates, declarations and financial statements to confirm and formalize leasing. It is enough to be registered as an individual entrepreneur for at least 12 months.

Sberbank Leasing - leasing from the largest bank in the country

The subsidiary of the largest bank in the country, Sberbank PJSC, is in the TOP-3 leasing companies in the country.

The lessor cooperates both with small businesses, providing cars and trucks, property, special equipment as leasing objects, and with the largest holdings (including the defense industry).

Sberbank Leasing supports domestic auto industry, providing a discount on the advance payment of Russian transport under a leasing agreement: 10% - the minimum installment. For other categories of cars, property and real estate, the advance is 15% (foreign truck manufacturers) and 20%. The lease term is 13-48 months.

You can conclude an agreement within a day (from 8 hours) by leaving a request on the website. If you have any questions about filling in the data or clarifying the terms of the contract, then there is a Contact Center especially for customers.

VTB Leasing - favorable conditions from the "daughter" of VTB

A significant advantage of leasing to VTB is associated with a business that requires the use railway transport. The lessor is ready to provide the object with an advance payment of 0%!

The currency for any type of leasing (energy equipment, aircraft, railway transport, special equipment and cars, river and sea) is rubles, dollars and euros.

The company approaches each client individually, therefore, advance conditions, terms of the transaction and payments are calculated according to the financial capabilities of the individual entrepreneur or LLC. Financing of sea and river transport is not limited. No collateral is required as proof of the lessee's solvency. VTB Leasing supports state program subsidizing by leasing Russian vehicles with an advance payment of 10% and discounts from the manufacturer for a period of 13 months or more.

Alfa Leasing is a reliable company for leasing

The largest non-state leasing company in Russia is a universal company, providing services throughout the country in 8 directions.

An unprecedented offer: leasing of light vehicles with an advance payment of 5%, up to 4 years, up to 40 million rubles.

You can conclude a leasing agreement in less than 1 day. The lease term is from 13 months. Especially for private clients, a car leasing program has been developed (the number of new models is more than 20 thousand). The model selection service is available on the website online. The design scheme is as follows:

customers conclude a leasing agreement for the purchase of a car,
pay an advance;
use the vehicle on the same day.

Additionally: discounts from partner dealers and promotions on the Alfa-Leasing website allow you to save up to 10% on the purchase of an object.

Uralleasing - profitable leasing in the Ural region

With the help of Uralleasing, customers can get vehicles with a 0% advance payment: use the equipment now and pay later. You can fill out an online application on the company's website. To get a car and other objects on lease, it is not necessary to provide financial statements: a 12-month period of existence of the IP is sufficient.

For those who are not used to overpaying, there is the Americano program, which “freezes” the rise in prices to 0%. Important: advance payment for this lease is at least 40%.

Private clients are given the opportunity to purchase a car on lease by paying a 20% advance and collecting a package of documents (passport, copy of labor and 2-NDFL certificate). Available to clients with at least 2 years of experience.

Leasing for individual entrepreneurs in Russia, despite the advantages, is significantly inferior to the lending market. Insufficient advertising and the low prevalence of leasing companies are the main reasons for their unpopularity. Leasing for individuals is even rarer, because individuals “by tradition” apply for a loan or a classic lease. In the first case, you have to overpay the bank for quick financing, in the second, you have to spend money on an object that will remain the property of the original owner. But the acquisition of business units on lease is much more profitable for both individuals and individual entrepreneurs. That is why modern entrepreneurs increasingly prefer to cooperate with leasing companies, acquiring cars and real estate under a lease agreement with a gradual transition to ownership: without risks and overpayments, with instant economic benefits.

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, 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:

The maximum term of use is only 5 years.
Mandatory overhaul.
The presence of a valid contract with a car service for servicing the selected car.
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. On lease passenger cars mobiles 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, the leasing company sees that the 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:

The entrepreneur makes a choice of a car model, after which a package of documents is provided to the leasing company.
In case of a positive decision, a contract is concluded with the buyer.
The initial payment is made, the car is issued for use.
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:

Minimum advance. The contribution amount is from 10%.
Minimum price increase. Here you can buy cars with almost no overpayments.
Minimum payment. The company approves the reduction of monthly payments by extending the term to 5 years.
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:

paid by the lessor, as it is listed on its balance sheet.
There are no commission fees for account maintenance.
Leasing payments in full in IP accounting are charged to expenses. In the case of a car loan, only interest is posted.
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.

Cars under the Major Leasing program, which allows you to lease a used car of any class in Major car dealerships Expert to legal entities and individuals on the most favorable terms.

Conditions for leasing used cars

Advance payment from 20% to 49%
Leasing period from 6 months to 5 years
Payments equal or decreasing
Compulsory insurance subject of leasing
Rise in price from 4.35%

Buy a used car on lease in Moscow

To buy a car on lease, it must meet the following conditions:

The program applies to cars purchased in showrooms Major Expert
Vehicle age: no more than 3 years from the date of first registration
Mileage: no more than 100 thousand km
Market price: not less than 400,000 rubles.
2 sets of car keys
Technical condition: the car is technically sound, complete, no damage,
At the time of sale, the car must not have encumbrances as collateral.

Used car leasing for individuals

The amount of financing is from 300,000 rubles.
Down payment from 20 to 49% of the cost of the car

Used car leasing for legal entities

Term from 6 to 60 months (up to 36 months for leaseback) (with the right early redemption in 6 months)
Amount of financing individual conditions
Down payment from 20 from 49%
Terms of redemption from 1,000 rubles. up to 10% of the cost of the car with direct leasing; from 1 000 rub. up to 80% of the cost of the car with leaseback

Major Leasing is ready to agree on all the conditions with you as soon as possible, purchase a car for you at Major Expert dealerships and hand over the car key to you.

In addition to loans, there is also such an affordable banking instrument as leasing. It is especially common in cars. Leasing skillfully combines such functions as buying and renting. Let's take a closer look at what it is and what are the pros and cons of this tool.

What it is

Leasing as such is the rental of movable or immovable property with the possibility of redemption or the step-by-step acquisition of this property. In other words, a person or company can use either the equipment, building and other property for some time, paying certain money, and as a result it becomes the property of this person or organization.

Car leasing dates back to 1954. But until now, many people have the question of how it differs from a loan or a lease. A loan is a transfer by a financial institution of goods in installments for a certain percentage with an obligation from the credited to pay the cost on time without delay.

Lease is the temporary use of goods or property, where monthly payment is required. rent and, as a result of use, return or hand over the goods to the lessor. A financial lease is a kind of hybrid of these two forms.

At the same time, several parties interact here at once: the buyer, the seller and the supplier.

How does it work

Scheme of obtaining a car in financial lease roughly looks like this:

The person or organization (customer) selects the machine that meets the requirements;
The leasing company buys this car, concluding an agreement with a car dealership, and transfers the transport to the customer;
At the first stage, the customer has the following obligations: payment of the obligatory notary registration of the sale and purchase agreement, transfer of the down payment for transport;
The following obligations fall on the leasing company: incurring financial costs for maintaining the car during operation, insurance, passing technical inspection, paying transport taxes and fees for registering vehicles with the traffic police;
All these responsibilities are transferred to the customer only when he has completely redeemed the vehicle.

If a person or company fails to pay monthly payments, the vehicle becomes the property of the leasing company.

Pros and cons of car leasing

There are many reasons why car leasing can be more profitable than car loans. At the same time, there are benefits for ordinary citizens, and for individual entrepreneurs, and for large organizations.

Let us consider in more detail what are the benefits, and possibly negative sides have leasing for each group.

For individuals

The positives include:

When concluding a contract, there are no hidden fees;
All emerging issues with insured events are decided by the leasing company, and not by the owner of the car;
The initial stage for the end user of a car is less painful regarding financial issues. For example, a person pays only for the services of a notary for the certification of a lease agreement;
The end user does not pay Maintenance cars until the moment of its full redemption;
At the time of full payment, the value of the machine may decrease significantly, in connection with which the end user can buy it back for less money.

However, there may be negative sides:

Overpriced for individuals interest rates regarding car loans;
Pretty high down payment
The financial burden increases due to the shorter term of the leasing agreement: no more than five years;
Due to the fact that in fact the car is owned by a leasing company, an individual may suffer losses if it is ruined. Apart from lost car, the end user loses and cash paid for the car.

For LLC

It is much easier for large companies that have existed on the financial market for a long time to do business with both partners and credit institutions.

But what about just start-ups? For example, not all banks want to cooperate with young companies. And what to do if for such an organization you need to purchase a car, and required amount No? Leasing companies can help. There are pros and cons to working with them. .

Consider the pros:

The lease agreement can be drawn up on the financial preferences of the organization. That is, both parties stipulate the conditions under which the amount can be reduced or the terms of payments changed;
The debt to the leasing company can be repaid both in installments and in equal amounts. At the same time, there is the possibility of early repayment without commissions and fines;
Financial lease takes into account the depreciation of the purchased car, which allows you to reduce its value when repaying the debt;
LLC can insure the car and in the event of a breakdown it will receive insurance funds for repairs;
If the business is built on car ownership, then with the help of leasing you can significantly expand it;
For LLC, many leasing companies work without a down payment, which allows you to purchase a car without spending money.

But despite such a vast number of advantages, there are also disadvantages:

High tax;
A small number of leasing companies are ready to work with "young" companies.

For IP

For individual entrepreneurs, car leasing is practically no different from the conditions that campaigns offer to large organizations.

The only and important condition is the provision of reports for the past period and fully collected and prepared accounting documentation.

Positive aspects of leasing for individual entrepreneurs:

An opportunity for a small organization to expand its activities by investing minimal amounts;
Simplicity and speed of registration;
Lack of guarantors and collateral;
In the presence of financial difficulties the leasing company may revise the payment schedule;
Substantial savings. It is much easier for individual entrepreneurs to keep this type of expenses on the balance sheet.

The disadvantages include the following:

Mandatory first installment;
Compulsory insurance of a car received on a financial lease;
Ownership of an individual entrepreneur arises only when the debt to the leasing company is fully repaid.

Video: Firsthand

Kinds

Leasing instrument can be divided into four components:

Financial. The most common type of leasing. There are three parties involved: the buyer, the seller and the supplier. The leasing organization purchases the machine from the supplier and transfers it to the end user. After the expiration of the contract, the car becomes the property of the end user;
Operating. This type is not common in our country and leasing companies are reluctant to work with this form. The essence of such leasing is that at the end of the leasing agreement, the car is returned to the leasing company
Returnable. IN this case supplier and end user are one person. Here the company sells the existing car to a leasing company, and then takes it on a financial lease. In this case, all the advantages of this form of lease and tax benefits can be used, as well as the money received from the sale can be put into the company's turnover;
International. In this case, one of the parties is a non-resident of the Russian Federation, and otherwise the schemes are similar to financial leasing.

Why is it popular

Why has leasing become such a popular tool among legal entities, and among ordinary citizens?

There are several reasons:

A car is a commodity that is used by everyone without exception;
Car leasing is profitable and less risky as a type of deal;
Developed secondary market buying and selling a car;
The car must always be registered after purchase with the traffic police, so if it is lost or stolen, the vehicle is easy to find;
A low percentage of delays in payments, since few people want to say goodbye to their pet;
Extensive range of auto leasing programs.

How to buy a car for a sole trader

For individual entrepreneurs, the leasing program will look like something between a loan and a lease.

Giving preference to leasing, an individual entrepreneur receives, firstly, a simple and quick registration, and secondly, low requirements for the solvency of the end user, since the car will be purchased by the leasing organization and until the person pays off the debt for the car, it belongs to the organization.

Thus, the acquiring company can provide its services even to newly baked entrepreneurs.

Vehicle selection

First you need to decide for what purposes the car is needed: for personal use, for company personnel, or it will be special equipment for business development: a truck, tractor, excavator, etc.

Now almost all leasing organizations are ready to provide cars for financial lease, since this is a product that, if the end user is unable to pay the payments, can be resold in the secondary market.

Choosing a company and studying the conditions

Finding and choosing a company that will provide a car for rent is not difficult. The question will be who to trust.

If a reliable and honest partner is successfully found, you should pay attention to the conditions for leasing a car. The expediency and economic benefit of the transaction will depend on a thorough study of the conditions of the company.

What conditions to pay attention to:

Interest rate of the leasing organization;
Amount of monthly payments;
Detailed payment schedule;
The amount of the first installment.

Most importantly, what distinguishes leasing from other banking products is that the end user can choose the most suitable option for him and draw up an agreement with benefit for himself.

Preparation of documents

Those who have superficially dealt with leasing can say that the process of preparing documents is endless. But it's not.

To lease a car, an entrepreneur needs to prepare the following package of documents:

Application for leasing;
Passport of the Russian Federation and its copy, TIN, certificate of registration;
Accounting documentation for the last six months of the activity of the IP;
At the discretion of the leasing company - information about accounts payable.

It is worth saying that this list is very rarely requested by organizations or banks. Mostly require the first two.

Insurance

Insurance is an obligatory stage of the transaction. All motorists know that OSAGO is necessary for any transport that is purchased for long-term use, and CASCO can be purchased by mutual agreement of the parties.

Lawyers advise to insure the car not for the entire term of the leasing agreement, but to renew it annually. With this step, you can receive discounts as a regular customer or even change the insurance company with the most favorable conditions.

Conclusion of an agreement

With a positive decision of the commission of the leasing organization, two documents are signed: a purchase and sale agreement and a leasing agreement. These documents describe the rights and obligations of the end user, the supplier and the purchasing company.

Overview of conditions for large companies and banks

Consider the basic conditions of the most well-known organizations and banks offering leasing services.

Name	Type of transport for leasing	Timing	Possibility of down payment
Baltic Leasing	· A car; · Special equipment; · Freight car; used car.	One to five years	Up to 10% of the cost
Binbank	passenger cars; special equipment for construction; · Trucks.	Up to 3 years	From 20% of the cost
Rosprombank	· A car; · Special equipment; · Freight car.	1-5 years	20-30% of the cost
VTB Leasing	Any type of transport, including ships and aircraft.	11 months - 5 years	From 10% of the cost
TransFin M	Any type of transport.	Up to 5 years	From 10% of the cost
Alpha leasing	A car	Up to 4 years	From 5% of the cost
Sberbank leasing	· A car; · commercial vehicle; · Freight transport; · Special equipment.	Up to 3 years	Minimum 300 thousand.

What is more profitable car loan or leasing

Having considered the nuances of obtaining a car on lease, the pros and cons of which are indicated above, one may wonder what is more profitable loan or this form of lease:

There are three parties involved in a leasing contract: the buyer, the supplier and the end user. Therefore, there are two documents to be signed;
There are no additional commissions for individual entrepreneurs during leasing, and when applying for a loan, a fee of up to 2% may be charged for servicing a credit account;
In leasing, the term of the contract can be up to five years, while in car loans maximum term only 3 years old.

I chose my wife new car. Faced with a dilemma - whether leasing, or a loan. It turned out that with a loan, I have to pay big money for this car per month and the bank announced huge interest for the year. On lease monthly payment almost 2.5 times less and less problems. So we settled on leasing.
Leasing a good thing for commercial organizations. Interest is less, taxes can be taken into account as an expense item, and the attitude of leasing companies is more loyal than that of banks. Therefore, for owners of IP or LLC, leasing is better.

So, knowing now what such a car leasing is, both individuals and legal entities can safely weigh all the pros and cons and make a decision to buy a car. In any case, this is a fairly profitable financial instrument in any circumstances.

Car on lease

Among them, even scheduled maintenance and insurance. Let's find out all the benefits of leasing and the pitfalls of this type of payment.

Situation from life

For example, you decide to buy a car on credit. Having bypassed four banks, you begin to understand that everywhere you are “pointed to the door”. The first bank refused you even without explanation. In the second, they critically examined the document on your income and asked: “Did you specifically agree with the accountant that he would give you such an amount of wages?”

Two other banks, having taken the documents, did not react at all. Indeed, nowadays it is not easy to get a loan. With leasing, oddly enough, there are no such problems. You can take it in a couple of hours.

Do not despair if you have not given a loan - getting a car on lease is much easier

Today there is a significant increase model range leasing cars. Here you can see cheap “Chinese” and expensive “Japanese”. There are also leasing companies that can be bought at 5-45 percent cheaper than new ones.

Therefore, it is worth taking a closer look at renting a car with the right to buy. Moreover, the rules for buying in this way are Last year have changed significantly.

We buy and drive

Unlike banking structures, which have significantly increased the rate on loans, you can buy a car on lease at the old rates. After all, the rates remained the same as last year: up to 18-20 percent in national currency and 11-14 percent in dollars. And the banks will put you in the contract: 20-21 percent in national currency and 14-16 percent in dollars.

The terms of payments in both cases do not differ from each other and amount to 5 - 7 years. There is even a decrease in the amount of the down payment by leasing companies. After all, earlier the lower limit of the advance payment for a car was within 15 percent of its price. Whereas now in some companies you can see a decrease in cost of up to 10 percent.

But many continue to demand 20 - 25 percent of the advance. However, the banks without exception require initial contributions.

There is currently an increase residual value car, paying for which you can fully redeem the car. If earlier it was necessary to pay 40-50 percent of the price of the car, and then return it to the company. Today you can do it by paying only 30 percent of its cost.

That is, in 5 - 7 years, after driving a certain mileage and paying a third of the price of the car, you can safely return the car back or, by paying 70 percent, buy it out completely.

However, there is a small nuance here. Almost all firms no longer conclude an agreement on operational leasing for individuals, but can only issue a financial one. In this case, the buyer has the right only to buy the car.

Buying Secrets

You can rent a car. After all, the terms of leasing are the same for various classes auto.

To do this, you just need to take your passport, identification number and income statement with you. You don't even need a residence permit. In this case, the buyer signs the leasing agreement, pays the first installment and that's it.

After the conclusion of the agreement, the company prepares the car for the client. This procedure can last from two days and depends on the brand, the availability of the car in stock and equipment. The leasing company registers, buys and insures your car. All you have to do is pick it up at a convenient time for you.

As a result, you are exempt from additional payment of contributions:

to the pension fund, which is 3 percent of the cost of the car;
for insurance (about 8 percent);
in MREO;
for technical inspection;
to pay vehicle tax.

The leasing company will then make these payments into a monthly fee or advance. However, in order to, you still have to pay 1 percent of the cost of the car.

When you apply for a loan, in addition to the above, you will also need to pay:

0.1 - 2 percent commission;
0.1 percent of the price of the car for the state duty;
to the notary for the works;
to the creditor (1 - 2%) for the service;
0.3 - 0.5 percent for converting money into the national currency.

At the same time, leasing companies can provide the client with free Additional services, among which:

information support and consultation;
calling an ambulance and traffic police inspectors to the scene of an accident;
ordering a taxi and a tow truck;
payment for accommodation in a hotel up to 2 days;

Do not forget that the leasing of passenger cars is carried out with the provision of the client (for the entire duration of the contract). That is, in fact, you are not the owner of the car.

Such “draconian” rules are not very popular with tuning enthusiasts. After all, in this case, they will no longer be able to install flaps and nozzles from the Buran rocket on the car. Because of this, the company can easily terminate the contract and even demand compensation for your “efforts”.

In this case, all funds deposited by you will be canceled and you will simply lose everything. Therefore, immediately when registering a car, you need to do all the “bells and whistles” you need in order not to get into trouble later.

If you want to terminate the contract ahead of schedule, then you won't be able to. According to the legislation, a car is leased to individuals for a period of more than one year. If you decide to return the car after four months, then you will need to pay the entire amount of the payment for the whole year.

After a year or two, the car can be returned by paying a fine of five installments (monthly). After three years- four payments, and more than this period, penalties are reduced to three such contributions.

However, if you do not take into account some inconveniences, then leasing is much more better credit. Its advantages include:

lack of penalties for the solvency of the buyer;
efficiency of work;
transparency of regular contributions under the agreement (principle - all inclusive);
the ability to easily choose a car dealership;
getting a good discount on fuel, etc.

After all, if you saw an ad somewhere: “I will buy a car on lease”, this does not mean that a person is ready to overpay for his car, rather the opposite. After all, many people forget that with a loan you will need to pay:

absolutely all taxes;
insurance;
repair;
maintenance, etc.

As calculations of "money" show, leasing is cheaper than loans. When you are at 1% of the residual value, then the entire payment will cost you 4 percent less.

Cons of leasing

Before leasing a car, let's summarize all the disadvantages of such a purchase. So, you are waiting for:

attachment to certain service points of the lessor;
restrictions in the modernization or tuning of the car;
“hard” conditions for terminating the contract in the wrong time;
down payment obligation.

So, leasing is well suited for those who value their time, because with this form of purchase, the buyer takes on all the trouble. But be prepared for the fact that you will receive your car in full ownership only at the end of the contract. So I want to ask you, are you ready for such conditions? I look forward to your responses in the comments.

Video: about leasing

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