Monthly lease payment. Leasing VTB24: what is it, advantages, types, calculator

Please note that the information posted on the site is for informational purposes and is not a public offer.

Leasing under the program "4:0 in your favor"

The unique joint program of Major Leasing LLC together with AA Major Auto "4:0 in your favor" allows you to purchase the most popular cars no down payment!

Program Benefits

1. 0% advance! Clients get the opportunity to save on initial investments and not be distracted cash from turnover. To purchase a car, you only need to pay for insurance.
2. The speed of buying a car! There is no need to raise funds for the purchase. I liked the car - we got approval from Major Auto's credit and insurance department and left by car!
3. The easiest product ever! No complicated calculations, all conditions are simple and transparent: 0% advance, equal payments, 48 ​​months. A clear fixed payment for the entire term.

What do you need to do

1. Choose your favorite car.
2. Submit documents for consideration to the credit and insurance department of Major Auto.
3. To get approval.
4. Arrange insurance.
5. Leave in your own car.
6. Make a fixed monthly payment.

Subject of leasing

New vehicles from the list of vehicles under the program.

Term

48 months

Funding volume

An initial fee

Vehicles on the program

	A3/S3 (8V), A4/S4 (B9), Q3 (8U), Q7 (4M)
	1 (F20/F21), X1 (F48), X3 (G01), X4 (F26), X5 (F15/F85)
	Grand Cherokee IV (WK2)
	Rio IV, Rio X Line, Picanto III, Sportage IV, Optima IV, Sorento III, Soul II, Mohave, Sorento II
	RX IV, NX, GX II, LX III
	3 (BM), 6 (GJ) , CX-5 II, CX-9 II
	GLC (C253), GLE (W166), GLA (X156), C (W/S205)
	RAV 4 IV, Corolla XI, Camry VII, Highlander III, Land cruiser Prado 150, Land Cruiser 200, Fortuner II
	Polo Sedan, Jetta VI, Teramont, Tiguan II

Leasing under the program "MAJOR Finance Profitable"

Car purchase program "MAJOR Finance" Profitable" This basic program for all vehicles and only for individuals.

To date, this is the most best way buying a car in the market. Major is the only company on Russian market, which enables customers to simultaneously take advantage of corporate discounts on cars, get discounts on service maintenance, flexible conditions for the execution and maintenance of the contract, as well as obtain economic benefits, including on the total amount of the financing contract.

As part of this program, the cost of financing for the client is reduced, due to which the client receives more profitable proposition than on credit. The client also receives additional benefits due to discounts on service at the Major service station: 50% discount on labor and 10% discount on spare parts during the period of the contract.

Subject of leasing

New and used vehicles purchased from Major Auto.

Term

6 to 60 months

Funding volume

The minimum amount of financing is 300,000 rubles.

An initial fee

from 20% of the cost of the car

residual value

up to 80% of the cost

Other benefits

Early dissolution

In case of early termination of the leasing agreement with the return of the car to the leasing company, Major Leasing can offer the maximum residual value due to the Major Group's ability to sell a used car.

Additional Information

Planned Maintenance vehicle must be carried out in service centers Major Auto company on time and in the amount stipulated by the conditions Seller (manufacturer).

Program "Maximum Benefit"

Program "Maximum Benefit" - special offer leasing of individuals for the purchase vehicles With maximum benefit. Such a program allows the client not to immediately divert the entire amount for the purchase of a car and receive a corporate discount on the car. The saved funds can be invested in other areas, for example, a bank deposit.

Financing conditions:

• Advance payment from 49%. The first 2 payments are the repayment of the main part of the debt.
• The minimum amount of financing is 400,000 rubles.
• Financing period from 12 months.
• Early termination of the contract after 6 months.
• Subject of leasing: cars and light commercial vehicles.
• Flexible terms of debt restructuring.

1. Customers who purchase a car for cash. Make a lease - get a discount on a car, which covers the overpayment under the leasing agreement. It turns out the installment!
2. Customers who lack a small amount for the purchase (for example, they chose a more expensive package).
3. A client with uneven income. For example, bonuses are paid every six months.
4. A client who would like to deposit own funds over 49% and get a discount on a car.
5. A client who compares a leasing offer with a loan.
6. Clients who are unwilling or unable to register their property. For example, Mr. employees.

Calculation example, Volvo XC90 Momentum 2.0T/249 8AT 4WD 5S

Purchase for cash

car cost = RUB 4,082,600.
Transport tax for 1 year = RUB 22,254.38
Registration in the traffic police = 2 850 rub. state fee + Independent labor costs
Total cumulative costs to buy a car for 12 months. = RUB 4,107,704.38

Purchase on lease

car cost RUB 3,755,992
Transport tax for 1 year = RUB 22,254.38- Included in payments
Registration in the traffic police = 2 850 rub. state duty - Included in payments
Registration in the traffic police - 12 000 rub.- Included in payments
Advance payment - 49% = RUB 1,840,436.08
1st and 2nd payment = RUB 751,000
Monthly payment for 10 months RUB 136,276.05
Total cumulative costs RUB 3,954,196.58

Purchase on credit, rate 10.6%, life insurance 2.5%

car cost including corporate discount = RUB 4,082,600
Transport tax for 1 year = RUB 22,254.38
Registration in the traffic police = 2 850 rub. state duty
Independent labor costs
An initial fee = RUB 1,840,436.08
Monthly payment for 12 months RUB 203,050
Total cumulative costs car ownership for 12 months = RUB 4,302,140.46

Leasing under the program "AutoClassic"

Financing and purchase of a car and commercial transport and its subsequent transfer to the lessee for long-term use with the right to purchase upon the expiration of the contract.

Subject of leasing*

• new cars
• commercial transport

Term

6 to 60 months

Funding volume

The minimum amount of financing is 300,000 rubles.

An initial fee

from 20 to 49% of the cost of the car

Buyout conditions

from 1,000 rubles to 10% of the cost of the car

Other benefits

Possibility to include the cost of insurance and additional equipment in leasing payments

Average annual price increase**

Term	Fee 20-30%	Contribution from 30%
12 months	6,16%	4,84%
24 months	6,52%	5,13%
36 months	7,07%	5,56%

* compliant Major Leasing
** these rates are indicative, their calculation depends on the combination of all transaction parameters

Leasing under the "Buy Back" program

Car leasing to individuals can be issued without transfer of ownership. In this case, the terms of the contract are slightly different. With the same terms and amount of financing, the client must make a smaller down payment: from 0% of the original cost of the car. Its residual value is calculated in the amount of up to 80%.

Subject of leasing

• new cars
• commercial transport

Term

6 to 36 months

Funding volume

The minimum amount of financing is 300,000 rubles.

An initial fee

from 0% of the car value

residual value

up to 80% of the cost

Other benefits

Possibility of including the cost of insurance and additional equipment in leasing payments.

Both small and large-scale enterprises often purchase equipment on lease. There can be many reasons. This is the lack of free funds for the purchase of expensive equipment or technology. It may also be a reluctance to apply to a bank for a loan. For large holdings, it is important to save on taxes, which occurs during leasing.

What is leasing? talking in simple words, leasing represents the use of machinery or equipment with the right to repurchase it in the future. You choose the right object leasing company buys it, enters into a contract with you. After that, you receive the object of leasing for your use. For the duration of the contract, you need to pay a monthly usage fee (similar to rent). If you want to later purchase it for full use, you can redeem it. If you do not want to purchase it, then after the expiration of the term lease agreement you will be required to return the equipment or machinery to the leasing company.

Thus, this is an optimal financial mechanism, which differs from both a lease agreement and a loan agreement.

Varieties of leasing

There are several types of leasing in Russia. Their main difference is in the useful life. We list the types of leasing:

• Financial leasing. The term of such a lease agreement is equal to the useful life of machinery or equipment. Most often, at the end of the contract, the residual value of the object is close to zero. The object of leasing becomes the property of the client. If you want to get the property before the end of the contract period, then you will need to make payments to the leasing company ahead of schedule;
• Operational leasing. The term of this type of leasing agreement is less than the useful life of the leasing object. The leasing company buys machinery or equipment, and after that transfers it to the client. When the term of the contract comes to an end, you will have a choice: extend the term of the contract or buy the equipment.

Directions of leasing

Directions of leasing can be very different. This is all that contributes to the development of business. Typically, leasing companies distinguish the following areas:

• Passenger vehicles
• Freight transport
• Buses
• Special equipment
• Equipment
• commercial real estate

Leasing and taxes

Lease payments are expenses, not profits. That is why enterprises can significantly reduce their tax payments by acquiring equipment in the form of leasing. An accelerated depreciation rate may be used. So the difference full cost credit and leasing is most often 12-14% in favor of leasing.

The property tax is paid by the owner organization, and since the property or equipment is owned by the leasing company during leasing, customers do not pay this type of tax.

Value Added Tax (VAT) is already included in the lease payments. The basis for calculating this tax includes both the value of the property and the services of the lessor, so VAT under a leasing agreement will always be higher than VAT under a loan agreement.

Initial payment

According to a leasing agreement, by analogy with a loan, there is the concept of a down payment or advance payment. Typically, the conditions of leasing companies require an advance payment in the amount of 10 to 20% of the value of the object. With a small initial investment, your company will retain the initial capital, but increase overall costs. The size of the first payment directly affects the ratio of future payments.

For a real assessment of the feasibility of using leasing, it is best to use a calculator. You need to enter the initial data in the form fields, such as:

• Currency;
• Payment types. Differentiated (decreasing) or annuity (equal);
• The cost of equipment or property;
• The amount of the redemption payment. A redemption payment is a payment after which the leasing object becomes your property;
• The amount of the first payment;
• The period for which the lease agreement is concluded.

By using leasing calculator you can calculate several options to choose the most suitable leasing payment plan.

To start the calculation, enter the parameters of the leasing agreement in the form and click "Calculate".

Saint Petersburg - Moscow

Leasing a car is a profitable way to acquire without the need to withdraw large sums from the company's turnover, as well as an opportunity to significantly save on taxes. Specialists of the company "CONTROL Leasing" have simplified the procedure for registering a car on lease for legal entities. We are partners with most official car dealers in Moscow, St. Petersburg, Kazan and Yekaterinburg. We are ready to offer you cars with special discounts from manufacturers.

If you want to take a car lease, use our calculator to calculate lease payments.

To start leasing calculation you need:

1. Select city
2. Select the type of transport above the list on the left (passenger or commercial)
3. Select a car brand from the list
4. Select the desired car model

Our service will allow you to find out and compare the terms of leasing cars of any brand and model presented in our extensive catalog. To save your time, we have provided the ability to search for the desired brand above the list on the left.

In order to get a quote for leasing cars of the selected brand and model, you need to specify the desired modification and equipment, as well as the number of cars. After that, the service will calculate for you:

• car cost
• The total amount of payments in advance, which can be selected from 0 to 49%
• The amount of the average monthly payment
• Percentage appreciation per year
• Additional expenses*

* Additional costs are insurance payments for CASCO, OSAGO and DSAGO at the rates of the insurance company, as well as transport tax. These payments can be included in the monthly lease payment, then the lease passenger vehicles will become even more convenient for you.

Please note that the percentage of appreciation and the amount of full and monthly payments are calculated taking into account the amount of the advance payment, the term of the contract and the type of payment. You can change these parameters yourself on the preliminary calculation page.

On the page of preliminary calculation of the cost of leasing passenger transport You will also see a graph showing YOUR BENEFITS FROM PURCHASING ON LEASE compared to buying a car with your own funds or on credit. The comments on the chart show in detail your cash flow when buying different ways, including VAT refunds and income tax savings. You will be able to compare and see the benefits of leasing on specific example selected vehicle!

Final calculation you can get in shape commercial offer, indicating information about the company and your contact details. Our unique service will automatically generate and send you a full-fledged leasing calculation in a matter of minutes. In the document you will find all detailed information about all payments, payment schedule and its decoding.

After reviewing the offer, you can immediately start the application process and buy your car on lease. We offer a simple and fast registration process, most of which you can complete online on our website. IN personal account On our site you can at any time:

• Download all Required documents without a visit to the leasing company
• Monitor the progress of your application
• Negotiate a lease agreement
• Track payments
• Receive monthly documents for payment and accounting reports
• Receive notifications about the upcoming dates of the next payment under the contract, the need to prolong / pay for insurance policies
• See all produced leasing settlements and receive other useful information

After going through all the registration steps, you will see for yourself that buying a car on lease with the CONTROL Leasing company is simple, convenient and profitable. If you have any questions, we will be happy to answer them - contact us at .

It seemed absolutely incredible. Today it is available as large companies as well as ordinary people.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Undoubtedly, but still this method is quite actively used. But before drawing up a contract, it is necessary to clearly understand how the cost is calculated and what can affect it.

What initial data is needed

Before concluding any contract, it is necessary to have a clear picture of future costs. Especially when it comes to purchasing a car, which in itself implies a significant investment.

Since the future lessee has the right to choose any car when concluding, it is necessary to understand that the price of the car will be one of the main criteria when calculating the lease.

So for example, budget models will cost significantly less compared to premium cars. The same goes for a used car and new car just arrived from the factory.

By the way, speaking of used cars, do not forget that this great option for leasing. Such cars are checked thoroughly and, when registering operational leasing, are serviced at the expense of the lessor.

Thus. the lessee can renew the fleet every few months without spending large sums on it.

In addition to the cost of the car, the calculation includes:

• lease term;
• the size of the down payment;
• appreciation rate percentage;

The size of the down payment significantly affects the cost of leasing, and in most cases, companies ask for 10 to 30%.

This standard conditions, which can count on applying to the leasing company. But for a number of cars, the amount of the advance payment can reach half the cost.

This is done to provide guarantees in case of non-payment or delay. The amount of the contribution is indicated in the conditions for receiving the car and it is also essential condition contracts.

However, there are offers on the market in which there is no down payment, which sometimes surprises potential lessees.

Logically, the lessor pays the entire cost of the car, but there are a number of companies that have agreements with suppliers. Those provide for leasing cars that are popular.

As a rule, these are cars occupying an average price segment. Such agreements are aimed at increasing sales, so if at the stage of negotiating the terms of the transaction, the leasing company offers similar conditions for a certain car, this is a good reason for discussion.

Formula

According to this document, in addition to the value of the property, payments under a leasing agreement include:

• depreciation of property for the entire term of the contract;
• compensation of the lessor's fee if the lessor used borrowed funds to acquire the leased asset;
• Commission remuneration;
• payment additional services the lessor, which are provided for in the contract.

LP \u003d AO + KV + DU + PC + VAT

To calculate the first term ( Depreciation Deductions) the following formula is used:

AO \u003d (BS * On) / 100

Today operates " single norm JSC…” approved by Post. Council of Ministers of the USSR dated 10/22/90. Paragraph 504 contains the norms for road transport.

Considering that the recommendations only suggest the use this way calculations, and do not oblige, a number of companies use the annuity formula, which clearly demonstrates the connection of all the terms of the leasing agreement. In this case, equal payments are used.

This formula allows you to take into account various nuances, such as types of payments. Payment can be made as follows:

• a fixed amount fixed in the contract, payment in equal installments;
• the fee is uncertain, since it directly depends on the profit received from the use of the leased asset. This method is used for large sales volumes and is rarely used for car leasing.

Payments are made on a periodic basis throughout the term of the contract. A payment schedule is drawn up, which must be adhered to, otherwise sanctions may be applied.

If the formula for calculating annuities is applied, then it looks like this:

P \u003d A * I: T / (1 - 1 / (1 + I: T) T * P)

Calculation examples

Of course, the easiest way is to use an online calculator. But if necessary, and knowing all the initial data, you can try to calculate the lease manually.

On the example of the same Ford Focus, the price of which is 750 thousand rubles. Let's remember the calculation formula:

LP \u003d AO + KV + DU + PC + VAT

IN this case overpayment under the contract come out 214 thousand rubles. Taking into account the down payment of 15% in the amount of 112,500 rubles.

Consider in more detail given example possible with data online calculator.

How to calculate car leasing for legal entities online

Today, there are special online calculators on the website of leasing companies that allow you to roughly calculate how much the leasing of a particular car will cost.

The calculation does not require mathematical calculations, since the calculator itself operates with the given numbers.

Here is an example of Alfa Leasing's online calculator:

The graphs in the calculator are simple and clear. The first step is to choose the make and model of the car and enter the cost. Let's do this using the example of the Ford Focus, the price of which is about 750 thousand rubles.

After entering these data, the system automatically calculates based on their down payment of 15%.

However, the lessee has the right to pay an advance payment in larger size. If we expect that twice as much, that is, 30%, will be paid, then the amount will change.

Also, the amount will change with an advance payment of 15%, but a shorter term of the contract.

Using the online leasing calculator makes it possible to determine the approximate amount.

They should not be taken as public offer, since all online calculators are provided with a clear warning that the calculation is provided for reference only.

Appreciation calculation

The appreciation percentage is the ratio of the overpayment amount to the market value of the leased asset.

This value is not fixed and depends on the following factors:

• the policy of the leasing company, which determines the cost of the services they provide;
• the amount of the advance payment. It is logical that the larger the amount was paid initially, the less you will have to pay later. This is confirmed by the above online calculator data;
• the payment scheme fixed in the contract.

Since most leasing companies acquire property using borrowed funds, important role plays the policy of lending in the bank.

If the lessor cooperates with only one credit institution, then there are no options to choose from.

However, in most cases, the number of banks with which the lessor is in partnership is greater, and customers can choose the most acceptable conditions.

It should also be taken into account that the lessor takes care of the registration of the car, which is also included in the payment. In the terms of the contract, you can insert a clause that this issue will be resolved by the lessee. This will reduce costs somewhat.

Also, if it is decided under the agreement that the subject of leasing will be on the balance sheet of the lessee, this will reduce the percentage of appreciation.

X = ((C-O)/O) * 100%,

For example, consider the above calculation of a Ford Focus car with market value 750 thousand rubles.

The amount payable is 964,404 rubles, subject to a down payment of 15%, the contract term is 3 years and residual value in the amount of 10%.

X=((964404-750000)/750000)*100%
X = 29%

The term of the contract is 3 years, which means that the annual price increase will be about 10%

However, this scheme implies equal payments. But often the lessor transfers most of the payments to the beginning of the term, and Last year small amounts remain.

In this case, the rise in price will also not be evenly divided into three parts. Most of it will have to be paid in the first two years of the lease.

Who produces

The conclusion of a leasing agreement is preceded by a long work. After the company decides on the need to purchase a car on lease, it is necessary to analyze potential lessors.

In a competitive environment, each leasing company strives to offer options that seem preferable than those of their colleagues.

When choosing a leasing company, it is important to pay attention to the following points:

• the commission for concluding a transaction is often not included in the total amount, but is paid additionally;
• there may be a ban on early redemption or penalties;
• the residual value may not be included in the calculations, which at first glance reduces payments, but at the end you will have to pay a significant amount.

Initially, an application for leasing is submitted. Before concluding an agreement and calculating the cost of leasing, the company must provide evidence of financial solvency.

Despite the fact that the car does not become the property of the lessee and, at first glance, the leasing company does not risk anything, it is necessary to confirm the solvency.

When making a calculation, a consent to the processing of personal data is signed. This is the standard form for internal use.

The calculation of leasing payments is made by employees of the leasing company, but in each case the figures may be different. It depends on the reputation of the future tenant and many other factors.