There are two most famous ways to get a car - rent and purchase. Now there is a combined method that combines everything - leasing. This concept is beginning to successfully settle in the financial sector and has a number of its own differences. Car leasing for individuals successfully develops on the territory of Russia and European countries.
What is car leasing?
Leasing is the long-term ownership of a car with the right to purchase it upon completion of the transaction. Leasing is identical to renting only in that until the end of the date vehicle remains the property of others. It cannot be donated, sold, given to a stranger. The difference from is the difference in the transfer of ownership of the machine. In leasing, a person becomes the owner when the transaction expires.
Currently, leasing is much easier in many cases than buying on credit. In Russia, it is not as well developed as in Europe, but gradually the situation is changing. Everything appears more companies that provide such services.
There are two types of vehicle leasing:
- With guaranteed transfer of the car to the property.
- No transfer of ownership.
The first method involves the purchase of a car by a person after the expiration of the contract. Despite approximately the same cost for leasing and credit, monthly payment slightly less. The second method says that the user of the car returns it to the leasing company at the end of the contract.
In order to take a lease, you must be an adult and able-bodied citizen of the Russian Federation. For individuals, it is required to provide a certificate of 2NDFL.
It is important to choose the right company for leasing, pay attention to reviews about the company, financial condition, term of operation, reputation, coverage in Russia. Of course, the firm is more reliable, the better for the client. If you have any doubts about this issue, it is better to consult a specialist.
Insurance is prerequisite when leasing. Some people doubt this procedure, but it is inevitable. OSAGO insurance is necessary for full term contracts. Experts recommend doing it every year to get a discount. There is a chance to issue CASCO, but this is only at the request of the client. You can save some money by skipping additional services with insurance.
Leasing conditions for individuals
As a rule, individuals are subject to softer requirements than when lending.
Leasing payments are less than credit due to the fact that they are calculated on the balance of the amount that must be repaid at the end of the contract. There is also such a thing as an advance payment. It is paid at the beginning and end of the transaction. As a rule, these are the largest amounts. The lease duration is from 12 to 60 months.
Know all the positive and negative sides when leasing, because it is they who will finally help to decide for themselves the expediency of the process. The advantages of leasing are:
- convenient payment schedule;
- simplified contract;
- quickly receives a decision on the leasing application;
- can be applied without guarantors;
- payments are less than credit.
If you look at the whole, then leasing is a profitable thing that will save time and nerves during registration.
Cons of leasing:
- will be the owner leasing company;
- if there are any difficulties with payments, the car can be seized;
- lack of incentives for leasing;
- you can not transfer or resell the car.
Car leasing without down payment
You should immediately know that the absence of a down payment will entail a high burden on the client when making payments. For such a procedure, you need to know about the conditions:
- the financial condition of the client must be prosperous;
- good payback of the purchased car;
- clean or good credit history;
- guarantors or collateral.
If the client satisfies all these conditions, then he is guaranteed to be given a car on lease without a down payment.
Used car leasing
Many people wonder - is it possible to buy a used car on lease? Yes, this is possible these days. Companies are engaged in sales of used cars on lease. The procedure is not much different from buying a new vehicle. Here, the client is happy to offer only those cars that are tested and have an age of no more than 10 years at the time of the end of the contract.
If the company leased a used car, then it independently maintains it at its own expense. To take such a car, you need to follow some rules:
- pick up good company leasing;
- take all the necessary documents;
- decide which car to take and assess its condition in the company;
- learn all about the leasing offer for customers and choose the best solution;
- write an application for an application.
Leasing companies do not deal in used cars with a dubious history. By taking such a car in the company, the client can be sure of legal purity. In addition, it is technically sound and regularly passes all the necessary checks.
The acquisition of the desired car or special equipment is not always available to a citizen. The law provides for several options for assistance in similar situations. Cars can be borrowed or rented. A less common way in the Russian Federation is a financial lease. What is leasing in simple words and how to conclude a contract?
Purchasing a car under a leasing agreement is not the most popular transaction in Russia. Citizens prefer other options for buying a vehicle.
When purchasing a car on lease in Moscow, the lessee actually becomes a tenant of the vehicle, with the aim of further redemption at the residual price. The lessor remains the owner of the car. According to the leasing agreement, the citizen makes monthly payments.
A citizen wants to buy a car, but the financial condition does not allow it. He finds a car he wants to buy. Applies to the organization (lessor), she buys it in the property. The contract is concluded.
A citizen can use the car, for this he pays the contributions of the organization. After the period established by the contract, he can buy the vehicle at the residual price, taking into account the wear and tear of parts. That is, much cheaper than it was acquired by the organization.
The high price does not allow necessary car on one's own. This is why leasing is so popular. trucks for individuals.
Requirements for the lessee
Car leasing is a financial lease. Therefore, serious requirements are imposed on a citizen, comparable to the conditions of banks when issuing a loan.
The terms of the lease include:
- permanent registration in the same territory as the lessor;
- Russian citizenship;
- at least 18 years old at the conclusion of the contract;
- no more than 65 years at the end of the contract;
- permanent official seat work;
- level of income to meet the terms of the contract.
When drawing up a contract, the organization may require documents confirming wages. To lease a car, individuals need to clarify the requirements of a particular lessor.
Types of leasing
The law provides for several types financial lease:
- financial;
- returnable;
- operational.
Treaty financial leasing car provides for the lessee to make contributions during the prescribed period. At the end of the term, the citizen redeems the car at a reduced price.
Leaseback provides for the sale own car lessor. Then former owner becomes a lessee. This is what legal entities do, for example, to reduce taxes.
Operational leasing is concluded for a short period. When the contract period ends, you can either extend it or return the car to the lessor. This method allows a citizen to use expensive cars without acquiring their property and change them regularly.
Pros and cons of leasing
| No. p / p | Advantages | Flaws |
| 1 | Availability of leasing special equipment. | You can not leave the country, without prior agreement with the lessor |
| 2 | More democratic requirements for the borrower | Property cannot be disposed of at one's own discretion (sell, lease, donate, pledge) |
| 3 | Smaller payments compared to a loan | In case of improper performance of the contract, the car will be taken away without agreement with the lessee |
| 4 | Insurance and other expenses included in monthly payments | It is forbidden to make changes to appearance car (airbrushing, tuning) |
| 5 | Property is not considered property, which is beneficial for debtors | In case of malfunctions, you can use car services only approved by the lessor |
| 6 | Not included in the credit history and does not affect the possibility of obtaining loans | Requires an initial deposit |
The person who purchases the car decides on his own how leasing is beneficial for him.
The difference between leasing and borrowing
Leasing is a type of lease. To understand how leasing works, consider the differences from a classic lease:
- A citizen independently chooses a car that the organization will acquire;
- The use of a financial lease agreement gives the right to use tax benefits;
- The citizen becomes the owner of the subject of the lease upon the expiration of the contract.
Until 2010, the law provided for the leasing of vehicles only for individual entrepreneurs and legal entities. A private person could not become a party to the contract.
Leasing conditions for a car for individuals
At present, every citizen can conclude such an agreement. Moreover, special conditions are provided for them:
- Car leasing for individuals provides for the use of a security deposit instead of a down payment. After making the last payment, it is returned to the owner;
- A corporate discount is being considered. Its size can reach up to 25% of the contract amount;
- On the territory of the Russian Federation, car leasing for individuals is implemented, among other things, in order to support the domestic engineering industry. If the subject of the contract is Russian car, then a discount of up to 10% is provided;
- The contract can include all expenses for the maintenance of the car. Including insurance, technical inspection, additional equipment;
- Short term for car leasing for an individual;
- The minimum package of documents.
Thanks to the above conditions, leasing a car is beneficial not only for individual entrepreneurs, but also for ordinary citizens.
Leasing calculator:
Used car leasing
Registration of a car under a financial lease agreement is possible not only for new, but also for used cars. This issue is at the discretion of the lessee.
Conditions for leasing used cars:
- Contract term from 1 to 8 years;
- Presence of a down payment (up to 35% of the value of the subject of the contract);
- It is not possible to take out car insurance on your own.
If a legal entity leases a truck purchased from an individual, the purchase is subject to VAT. It is unprofitable to take such a car.
When purchasing a used car on lease, you need to contact a reliable dealer in order to avoid fraudulent actions on the part of the seller.
Car leasing for taxi organization
Leasing a car for an individual entrepreneur is the most profitable option when replenishing a taxi fleet. Leasing a car for a taxi has the following features:
- the contract can include conditions for car maintenance;
- using a car on lease for a taxi, you can redeem it ahead of schedule;
- the purchase of a car on lease is possible for persons who have not yet issued an IP;
- car leasing is for a long period;
- it is possible to buy a car on lease without a down payment or with a minimum amount;
- tax incentives;
- accrued accelerated depreciation;
Leasing for sole proprietorship is good way expand your business at no additional cost.
How to buy a car on lease
Auto leasing is good choice for a person who wants to buy a car, but does not have Money to purchase it. Unlike a loan, leasing without a down payment slightly increases the amount of the monthly payment. Such option is suitable citizens with low income.
How to buy a car on lease:
- selection of the subject of the contract;
- choice of the lessor company;
- auto insurance of the subject of the contract;
- provision of documentation;
- execution of the contract.
Vehicle selection
If you want to buy a car on auto leasing, you need to clearly understand what will be the subject of the contract:
- new car;
- used car;
- special equipment.
Car leasing for individuals is purchased based solely on the wishes of the lessee. However, the risks of repair and loss of the subject of the contract are assigned solely to him. Therefore, due attention must be paid to this stage.
Search for a leasing company
The following features must be taken into account:
- Borrower may require financial statements companies. An organization with a stable financial position will meet halfway;
- Companies provide different conditions. Therefore, you need to consider several proposals to select the most favorable leasing conditions;
Cars under the Major Leasing program, which allows you to lease a used car of any class in car dealerships Major Expert legal entities and individuals for the most favorable conditions.
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 Major Expert showrooms
- 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, to purchase a car for you in Major car dealerships Expert and give you the car key.
Purchasing a new car is a responsible decision that must be approached by carefully weighing the pros and cons of one or another payment option. The sale of a car can be carried out for cash and non-cash funds, according to different conditions car loans or long term lease followed by a buyout.
Of course, not every company in Moscow is able to release enough own funds that can be directed to the purchase of transport. Therefore, the use of borrowed funds is becoming more and more popular.
Leasing services are very attractive for company owners who purchase cars for their employees. After all, for many companies - this is an opportunity to expand the fleet without a down payment and on favorable terms.
Benefits of car leasing
For many organizations, leasing is an attractive opportunity to purchase a new car. First, you do not need to make an immediate full cost, which lowers the overall costs of the enterprise, freeing up working capital. Secondly, building a convenient payment schedule allows you to take into account the peculiarities of the company's financial flows. And thirdly, the presence of tax benefits is pleasantly pleasing: payments under a leasing agreement are transferred to the cost of production, so there is no need to take them into account when paying income tax.
The indisputable advantage of purchasing a car under a leasing agreement is that you start using it right away! In addition, at the end of the contract, the car can be redeemed for a small residual value or transfer it for sale, with the transfer of the amount received as an advance for new transport under the following contract.
Among other advantages, it is worth highlighting the absence of additional collateral obligations, since a car purchased under a leasing agreement is already a transaction security. And the use of the accelerated depreciation rate gives the company the opportunity to recover investment costs in an accelerated time frame.
Sale of leasing cars
Everything today more people want to afford to buy a car. But not everyone has this opportunity. The state and all kinds of financial organizations are trying to help as much as possible ordinary people in acquisition personal car, creating and developing various financial services. One of these services is leasing.
What is leasing becomes clear if you translate this word into Russian. To lease - translated from in English- rent out. The essence of this financial service is lending to the acquisition of fixed assets.
The classic leasing scheme: the leasing company buys what is then rented out. Next are the people who will use the services of the leasing company. During due date the tenant pays the full cost of the property, plus lease payments, after which the former tenant becomes the full owner of the property. One of the main differences from a loan is the complete absence of collateral.
Leasing is a harmonious combination of financial credit and property lease.
Car leasing is the rental of a car with its subsequent purchase. Auto leasing has long gained well-deserved popularity in the United States and in European countries. Leasing, as a financial service, reached Russia relatively recently and is just beginning to gain popularity.
Leasing in the field of transport is popular in Russia: in 2014, it accounted for more than thirty percent of all concluded leasing transactions. What is the reason? Passenger cars and not only cars are in demand goods. Both individuals and companies of any size and type of activity need cars. On the part of organizations involved in leasing, this is also a profitable type of activity with the least risk. A car is a highly liquid unit. The market of sale and purchase in Russia is well developed. The likelihood that the tenant will take the car for himself without the knowledge of the company is minimal - all cars are registered, the tenant is also unlikely to refuse to pay or go bankrupt.
A similar situation exists in the market trucks and in the market of special equipment.
Difference between leasing and loan
These services are very similar. Both credit and leasing are popular financial services for buying a car. The question arises: what is more profitable? Here's a little comparison
Car loan:
Not all Russians have the amount necessary to purchase a car. Credit in this matter is a great helper;
If financial opportunities expand, so does the choice. You can buy a car that you like, and not one for which you managed to scrape together funds;
Various credit programs make car loans flexible and convenient tool.
Big paperwork;
Credit is not given to everyone. Serious requirements are imposed on the borrower;
Interest - extra payments;
Car leasing:
Payments are much more convenient and lower than they would be for a loan under the same conditions;
Much less paperwork;
A rented car is easier to change at the end of the lease term.
The leasing organization remains the owner of the car for the duration of the lease, which means that it will not be difficult to take it away from the temporary owner;
The user of the car is not its owner, and therefore cannot rent it out;
Individuals do not have tax preferences for car leasing.
So here's a little verdict:
Leasing is a convenient financial instrument. But just as a way to rent. When renting for a long period with subsequent purchase, car leasing for individuals
becomes an expensive and inconvenient procedure, significantly inferior in this case to a car loan. You can verify the correctness of this judgment with the help of simple arithmetic calculations - all information about interest and collateral is openly provided on the company's website.
Leasing is perfect for those who want to update their car regularly, every 2-3 years. If you need reliable car for many years of service, then your choice is a car loan.
Leasing programs and conditions for individuals for a car
1. No down payment. Such a program allows newly minted entrepreneurs to find transport for their business in a simplified form. As a rule, this type of leasing is provided directly from a car dealer and for a certain brand, series of cars.
2. No rise in price. Under such a program, the cost of a car on lease is equal to the cost of a car with a one-time payment of the entire amount in the car dealership. This becomes possible due to the fact that leasing companies are usually given special discounts when buying large quantities of equipment.
3. Without assessing the financial condition of the tenant. When leasing a car, a financial company risks almost nothing - the ownership right in any case remains with the company. That is why leasing companies are often of little interest in the financial condition of their client. 
The leasing process
Step 1. Agreement of conditions. To begin with, the parties must determine the main terms of the transaction: the lease term, the amount of the advance, the leasing program. At the same stage, the individual to whom the car will be temporarily registered is determined.
Step 2. Submission of documents to the leasing organization. Plastic bag required documents may vary depending on the organization you are applying to, but the general list is always the same:
Constituent documents;
Financial documents;
Documents confirming the authority of the head.
Step 3. Signing the contract. When the documents are collected, and the leasing company has approved the transaction, the time comes for the parties to the transaction to sign the agreement. The contract specifies the details of the delivery of cars.
Step 4. Advance payment and delivery of cars. When the contracts are signed, the tenant transfers the agreed advance funds to the lessor's account (if it is not leasing under the program without advance payment). The leasing company undertakes the delivery of equipment “into the hands” of the recipient. From the moment the equipment is transferred to the lessee, he is solely responsible for it.
Step 5. The validity of the contract.
For the duration of the contract, the tenant uses the vehicles for his own purposes, taking full responsibility for the safety of the car, as well as caring for maintenance
Step 6. Termination of the contract. After the term specified in the contract has expired, the car goes to the tenant at the residual value.
However, the action lease agreement may be terminated before the end of the term. This is possible if the lessee violates its obligations. Then the leasing company takes the vehicle in order to sell it on the secondary market.
Video: car leasing for individuals
Outcome
Car leasing is a useful service that can be useful not only for large companies to purchase special equipment in large volumes, but also for frequent customers who are going to purchase a car for personal use. And although the leasing market in Russia is still young, judging by the rapid growth and extensive experience of Western countries, it has a great future.
