Where can I rent a car. How to choose a reliable leasing company - expert advice

06.04.2019

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In this article, we will look at how to an individual buy a car on lease without a down payment. We will find out what requirements the client must meet and what documents will be needed to complete the transaction. We have prepared for you the procedure for acquiring a car on lease and have collected reviews from individuals.

Where to rent a car without a down payment for individuals

Conditions for buying a car on lease for individuals

The question of whether they give to individuals can be answered in the affirmative. Currently, citizens can lease a car without. This opportunity is not provided in all companies and is provided under certain conditions.

It is important to calculate how much it will cost in the end vehicle. An advance payment for individuals is an opportunity to ease the financial burden when gradually buying out a vehicle. And the larger the advance payment, the lower the amount of subsequent payments will be.

Unlike installments, leasing, even for a month, involves a certain overpayment.

Such a transaction is always concluded on a paid basis, even when it comes to individuals. Its size depends on the price of the car, the period of validity of the agreement and some other factors.

Leasing can be arranged not only in Moscow, but also in other regions of the Russian Federation, subject to the presence of a branch of the selected company there. For individuals who are unable to make an advance payment, almost all schemes for concluding a transaction are suitable, except for leaseback, when the owner of the property is also a borrower.

A potential client of a leasing company is subjected to a fairly thorough check. To complete the transaction, you must confirm your solvency and have a positive credit rating.

How an individual can buy a car on lease

To get a car lease, follow these steps:

Select the make and model of the vehicle you would like to purchase. You will also have access to new cars from official dealer, and used cars.
Choose a company that draws up transactions with individuals. individuals on reasonable terms.
Go to the organization's website and fill out an online application. IN electronic form you need to provide valid personal information and contact details, indicate the subject of leasing, its cost and the term of the agreement.
Submit your application and wait feedback with a company representative. After clarification of some issues, a preliminary decision will be made.
Visit the office of the company with the necessary package of documents.
Wait final decision by application. If approved, agree on all the terms of the transaction and sign the contract.

When performing all of the above actions, the leasing company must purchase the vehicle and transfer it to you.

Client Requirements

The age of citizens who can lease a car, as a rule, ranges from 21 to 70 years. To apply for a lease, the company will require confirmation of the citizenship of the Russian Federation and solvency, which implies official employment and a sufficient amount of permanent income. The work experience of the borrower must be at least 1 year.

Application documents

To complete a transaction, you need to provide:

Passport of the Russian Federation.
The second personal document of your choice.
A certificate from work or other papers indicating the amount of regular income. As a rule, leasing is not granted without a certificate of income.
Documents confirming the value of the car.
TIN, SNILS.
A copy of the employment contract or book.

What cars can be leased without a down payment

Almost any car can be leased without an advance payment.

Some companies have their own vehicle catalog. As a rule, these are cars from the salons-partners of the leasing company.

Many citizens prefer to rent a used car. In this case, a simplified procedure for processing a transaction applies, and the service is provided at a lower interest rate. The transport must be in good condition, with the term of its operation cannot exceed 5 - 7 years.

Is it profitable to arrange leasing without a down payment?

If the subject of leasing is a used car, then the deal will be very profitable. This option does not involve a significant overpayment. When applying for a service for a new car, a lot depends on the conditions offered by the company, including the cost of the vehicle and the duration of the agreement.

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.

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 terms, 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 required to pay full cost 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 choose any car, get in and go. 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:

A mandatory document is a certificate of the ability to pay a monthly payment. For these purposes, an extract from the place of work in the format of 2NDFL is suitable.
A citizen seeking to conclude an agreement with a leasing company must be of age and capable.
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 class car. 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 opt for a long-term lease rather than 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. At present, residents of large cities have big choice 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 purchase on lease freight transport 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 budget car or if you 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.

How to buy a car on lease for individuals? What are the pros and cons of car leasing? What is more profitable for an entrepreneur: leasing or a loan?

Greetings readers of the HeatherBober business magazine! Eduard Stembolsky is with you!

Today we will talk about car leasing for individuals - in other words, for private buyers.

We will tell you how car leasing differs from a car loan for specific example and we will carry out an approximate calculation of the transaction.

The material will be useful to everyone who is going to buy a car, but does not know how to do it in the most profitable way.

So let's go!

1. What is car leasing for individuals - general overview, relevance, types of leasing

Until recently, the only methods of acquiring a car were buying (one-time or in installments) and renting. IN last years a fundamentally new financial instrument is gaining popularity, which partly combines the above methods, but in general is an independent option for buying a car.

We are talking about leasing - long-term ownership of vehicles with the possibility of its full redemption at the end of the transaction. It is the latter circumstance (the ability to take ownership of the leased asset) that is hallmark leasing.

The similarity with the lease is that until the end of the contract, the car continues to be someone else's property that cannot be sold, donated, transferred to a third party. At the same time, the recipient takes care of the safety of the car, obtaining an OSAGO insurance policy, seasonal change tires, fuel costs, regular inspections.

Unlike a purchase, when the entire amount is transferred to the seller immediately after the transaction, leasing is subject to monthly deductions, as when purchasing on credit. The difference between a loan and leasing is that in the first case, the recipient immediately becomes the owner of the vehicle, in the second he can become such only after the expiration of the transaction.

Conditions for acquiring a car on lease for individuals often more profitable than a loan and rent, but not all citizens who want to buy a car choose this financial instrument.

On domestic market leasing is not yet widespread, as, for example, in European countries, but in recent years the situation has changed.

Types of leasing

There are two types of auto leasing:

With the obligatory transfer of transport to the property.
No transfer of ownership.

In the first case, the recipient redeems the car in personal possession after the expiration of the contract. Monthly payment with car leasing it is less than with a car loan, but the total cost of a car is approximately the same.

In the second option, the recipient returns the car to the leasing company or supplier at the end of the contract. This method is suitable for people who purchase status cars for temporary use.

Car owners can change the car after 2-3 years of operation for more modern model and at the same time not to think about selling used vehicles. In fact, leasing without transfer of ownership is a type of long-term lease.

2. Pros and cons of leasing - which is more profitable: a car loan or leasing

Individuals who purchase a car on lease are not subject to such stringent requirements as when applying for a car loan. However fundamental difference in that the owner of the car until the end of the transaction remains the company, and not the lessee.

This fact confuses many car owners, because under the terms of the contract, the company can regain ownership at any time. This may occur as a result of late payments or other unforeseen circumstances.

True, with a car loan, the car is also not 100% property of the client, but acts as collateral until the final payment under the contract.

In general, lease payments are usually less than car loan payments. The reason is that they are calculated taking into account residual value, which is paid by the recipient at the end of the contractual period.

The size of payments is also affected by the advance amount that the recipient pays. In other words, in leasing, the acquirer often pays more at the end and at the beginning of the term, but less each month. The term of a leasing transaction is usually from 1 to 5 years.

The main advantages of buying on lease:

payment schedule is more flexible and variable;
Simplified contract execution procedure (fewer documents);
a short period of consideration of the application (in comparison with an application for a loan);
there is no need to make a deposit and look for a guarantor;
the recipient has two options - to take the car into ownership or return the company;
low (compared to a car loan) monthly payments.

This financial tool frees car owners from a lot of trouble and saves their time. For business people (individual entrepreneurs) saving time is an important advantage.

Car leasing also has disadvantages:

the car remains the property of the company throughout the duration of the transaction (the slightest problems with payments from the recipient or financial difficulties from the lessor - and the car will be seized from the client);
individuals do not have any tax preferences (benefits) for car leasing;
the recipient does not have the right to sublease the car.

It is also worth noting here that our separate publication is devoted to.

The financial aspect of the issue depends on the specific terms of the contract and the type of leasing transaction. Experts do not give an unambiguous answer to the question of what is more profitable - car leasing or a loan, and advise proceeding from the recipient's initial goals.

General conclusion
Leasing is definitely more profitable if the recipient intends to return the car after the end of the contract.
This option along the way relieves the car owner of the headache about selling a used car.

The table below is intended to help you understand the difference between leasing and car loans.

№	Comparison criteria	car loan	Car leasing
1	Property	New or used cars	Only new cars usually foreign made
2	Financing term (in months)	12-60	12-36
3	Prepaid expense	Mandatory, at least 15%	At the discretion of the company - from 0% to 49
4	Package of documents	Full (some organizations offer a simplified procedure, but in this case, the costs of the recipient increase)	Passport, driving license
5	Car insurance	Mandatory OSAGO, CASCO insurance	Compulsory OSAGO, CASCO insurance is optional, but its absence leads to an increase in the cost of the contract.
6	Ownership	Immediately becomes the property of the client, but is pledged until the end of payments	Company property (customer receives temporary use right)
7	Processing speed	Standard	High (in some companies decisions are made within 1 day)
8	Restrictions	No	Departure of a car abroad only with the permission of the company
9	Additional services	Absent	Some contracts include annual inspections, seasonal tire service, payment of transport tax
10	Withdrawal	Through the court in case of delay	By decision of the company without the involvement of judicial authorities

And now - a specific example.

Example
As a subject of leasing, consider Toyota car Corolla worth 690,000 rubles. The calculation was made by representatives of the leasing organization with average conditions for leasing and credit transactions.
If we take into account all the costs of credit and leasing payments (monthly fees, down payment, interest rate, insurance), then leasing has an obvious advantage. The monthly payment for car leasing is 38% less.
This is a significant amount, but there is one caveat. Such an attractive payment scheme is offered by lessors only if the contract provides for the return of property at the end of its useful life. Usually it is 36 months (3 years) from the date of the transaction.
Thus, leasing will be beneficial for those who take a car for temporary (albeit quite long-term) use. If you want to buy a car forever, then a leasing scheme with a subsequent purchase will be less economical than a car loan.
The total result of the experts' calculations: 826,000 rubles. for a car loan versus 1,033,400 for car leasing.

When choosing between a loan and leasing, you should clearly understand your needs. If your goal is a status car that you want to update regularly for more new modification, That financial lease without ransom is the perfect option for you.
If you need a reliable iron Horse» for many years, then a more expedient acquisition scheme is a loan.

However, in various companies different conditions contracts. Some firms promote their leasing products with maximum benefit for the user, but the downside is that such organizations do not work in all regions of the Russian Federation.

A few words about why car leasing is not as popular in the Russian Federation as it is in Europe and the States. The difference in the psychology of motorists. Our citizens think something like this: "when leasing a car - in someone else's property, if anything, they will take it away, and my money cried."

Credit is perceived as an investment in personal property and is therefore closer. In the West, the attitude towards cars and investments is more pragmatic. The level of financial literacy of citizens is also higher.

3. How to buy a car for leasing to an individual entrepreneur - step by step instructions

The general scheme is simple. You want to buy a car. There is no money for a one-time purchase. You decide to lease a car, contact leasing company. There you explain what car you want to buy and submit an application.

A minimum package of documents is required. The company considers the application, you draw up a contract, the car goes into temporary use.

A few years ago, the law provided for the purchase of cars on lease for commercial use only. For this reason, mainly freight transport, trucks, special equipment, buses were taken on lease.

Currently working leasing programs for individual entrepreneurs and individuals who purchase cars in long term rental with the right to repurchase.

Step 1. Choosing a car

Leasing is provided for new cars, as a rule, popular brand with a lifetime manufacturer's warranty.

The recipient has the opportunity to choose the most actual models modern cars– Opel, Kia, Nissan, BMW, Audi, mercedes benz. Some companies work only with certain manufacturers (suppliers) of cars.

Step 2. Choosing a company and studying the terms of leasing

The modern financial market is represented by hundreds of leasing companies, many of which provide services to individuals - private entrepreneurs and ordinary citizens.

When choosing a partner, you should pay attention to the following factors:

the company's time on the market;
the financial condition of the company;
the scale of the organization;
company reputation;
user reviews on the Internet, the media;
restrictions on clients and leasing objects.

For recipient the most important criterion is the cost of the company's services ( interest rate). It is not always possible to figure out the real price of car leasing (for example, some clients miss such factors as “price appreciation”, “residual value”).

The ideal option is to seek advice from a specialist in financial instruments. It is better to spend money on professional advice, but save money on choosing the most profitable leasing company for you.

Step 3. Document preparation

In almost all leasing companies, the requirements for the documents of the recipient are standard.

The client is required to:

Leasing application.
Passport.
Rights (driver's license).
A document confirming the amount of income.
A copy of the work book.

The registration process itself is usually not difficult, since neither a pledge nor a guarantor is needed. The application can be submitted by persons over the age of 18.

Step 4. Car leasing insurance

Car leasing insurance is a mandatory stage of the transaction. OSAGO insurance is needed for the entire term of the contract, but it is better to insure the car annually, receiving discounts for re-executing the transaction. In addition, this way you can find an insurer with more favorable conditions.

CASCO insurance is carried out by mutual agreement between the recipient and the lessor. Costs can be reduced by excluding unlikely events from the list of risks and refusing additional services.

Step 5. Conclusion of a leasing agreement

The contract is signed with the consent of both parties with the terms of car leasing. According to the agreement, the client receives a car for temporary use and undertakes to pay a certain amount to the company on a monthly basis.

The recipient also pays an advance (initial payment), if such is provided for by the terms of the transaction. After that, the client can use the machine for his own purposes, but undertakes to monitor the condition of the transport, undergo regular technical inspection and ensure optimal storage conditions.

You can download a sample contract or just see what it looks like.

4. Overview of large car leasing companies for individuals - TOP-7 popular in Russia

Leasing services are provided by an increasing number of financial institutions. Almost all major banking companies have subsidiaries that deal exclusively with leasing. All of them work with legal entities, but not all - with physical.

By the way, there is a separate article on our website -. We recommend that you familiarize yourself with it if you want to lease a car as a legal entity.

Cars under the Major Leasing program, which allows leasing a used car of any class in Major Expert showrooms for legal entities and individuals on the most favorable terms.