Leasing company for individuals. Where is car leasing issued?

07.04.2019

Fuel system

What is car leasing in simple words Welcome!

I told a friend so many times that you can’t get married after a month of dating. Didn't listen, got married.

We lived with my wife for six months, managed to get loans during this time, but the marriage fell apart, followed by a divorce.

The car began to share, but it was not there. She was not bought on credit, but on lease.

As a result, he gets to work by minibus - the car was returned to the salon. Are you wondering why? Then I recommend reading what leasing is and how it differs from a car loan.

What does Leasing mean In the car market, you can often hear that the car was purchased from the seller not under the usual drawn up contract of sale, but on leasing.

This type of purchase is more common for law firms. Simply put, leasing means long term rental car with the subsequent acquisition of its ownership.

One of the main roles here is played by organizations such as leasing companies, which are essentially intermediaries between the seller of vehicles and the buyer.

Warning!

If you need to buy a car or other means, for example, an excavator, but you don’t have the whole amount of money, then a leasing agreement would be a convenient option. With the help of such a service, you can buy not only vehicles, but also various expensive equipment.

Most European countries about 33% of all cars buyers buy on lease - this is approximately 10 times more than in Russia. This option possible and widespread not only for legal organizations, and for private- individuals. Let's look at this in more detail in this article.

An incomprehensible English word has long appeared in our vocabulary. Until now, many people do not fully understand the difference between a leasing agreement, a loan and a long-term lease of a car.

Indeed, these concepts are quite close to each other, but there is a significant difference between them:

Credit - the transfer of property by the bank to the buyer in installments, the buyer undertakes to pay for a certain period the entire cost of the goods plus interest on the loan, which in Russia is quite high and can range from 15 to 30% per annum, while the buyer becomes the actual owner of the property;
Lease - transfer for temporary use, the owner sets his prices and obliges the tenant to make regular payments, and after the expiration of the lease, the property is returned to the actual owner, that is, the tenant.
Leasing, on the other hand, is a hybrid form of these two types of property relations; in addition, not only the lessor and the lessee are involved, but also the car supplier.

Leasing scheme

The lessor is a commercial financial structure that has a certain amount of funds in its accounts;
The lessee applies to this structure with a desire to draw up a leasing agreement for one or another type of equipment - no matter what: a car, special equipment, industrial equipment and so on;
The leasing company finds this equipment from the manufacturer, pays for it and puts it on the balance sheet of its company;
an agreement is signed with the customer, while the leasing company remains the formal owner of the property.

It is worth noting that today there are several forms of leasing:

Financial - the scheme described above, when, at the request of the customer, the company searches for the necessary equipment, purchases it for its own money and transfers it to the lessee;
operational - in essence, this is the same lease, when the contract does not imply further redemption, that is, the lessee uses the property, and after the expiration of the contract returns it to the leasing company;
reverse leasing - more common in real estate - a company acquires assets, then sells them to another party and leases them from it (this method is used in order to reduce taxation).

Attention!

In most cases, individuals and small businesses in relation to cars mainly use only the first two types of leasing.

Leasing for legal entities Most often, leasing agreements are used by companies that buy both cars and various special equipment.

This method, unlike a loan, is much more profitable.

For legal entities, this form of property relations is beneficial for a number of reasons:

all questions of search and delivery automotive technology engaged in a leasing company;
the property is not on the balance sheet of the legal entity, therefore, it is not necessary to pay property tax for it;
lease payments include all associated costs - VAT, pension fund, insurance, etc., that is, less paperwork falls on the shoulders of the accounting department;
accelerated depreciation - residual value vehicle decreases faster, and when it is completely transferred to the balance of the lessee, it will need to pay significantly less property tax.

List positive sides can be for a long time. The most interesting thing is that the state is also interested in such a scheme, since there is a rapid sale of products, while it is possible to create preferences for domestic manufacturer by offering more profitable terms for the purchase of locally produced vehicles and equipment.

True, there are also negative aspects, the most important of which is that the lessee has a minimum of rights to the equipment he has acquired, and if for some reason he cannot pay the necessary amounts in a timely manner, then the leasing company gets the opportunity to return the property transferred under the contract without compensating for any expenses - that is, all funds paid earlier are not returned.

Leasing for individuals

A simple person can also buy a car and arrange it under a leasing agreement. Let's say right away that this way will be beneficial when purchasing very expensive foreign cars.

First of all, we note that leasing for individuals is not as profitable as it is written on the websites of leasing companies. A careful reading of the contract shows that any noticeable benefit is possible only when leasing quite expensive cars- a million or more.

As a rule, this expensive foreign cars which are beyond the reach of the average Russian citizen. The majority of ordinary Russians hope to become owners of budget cars.

The conditions are, in principle, the same as when applying for a bank loan:

mandatory confirmation of solvency - a relevant certificate from the employer;
providing documents - passport, tax number, VU or any other document to confirm identity, consent of the spouse, guarantors;
down payment - 10-20 percent.

The only positive thing is that the car is listed on the balance sheet of the leasing company, so there is no need to pay transport tax. All other payments - CASCO, OSAGO, registration, fines for traffic violations - although formally fall on the lessor, but in reality fall on the shoulders of an individual.

Advice!

In a word, leasing and car loans for individuals have minimal differences.

Moreover, the bank, if the client is unable to service the loan, confiscates the car, but returns the difference - everything that was paid, minus depreciation, services. The leasing company will not return the money, since according to the documents it was the owner of the vehicle.

source: http://avtopravilo.ru/

How to buy a car on lease for individuals

buy a car on lease for individuals What is leasing in simple words? Under this word lies a long-term lease agreement car, with a subsequent possible right to purchase by redemption.

The purchase-purchase process is carried out in several stages simultaneously with the payment of rental fees.

The process of acquiring any property under leasing agreements, in the territory Russian Federation, is regulated by the legal act "Federal Law No. 194".

The act itself appeared in 1998 and belonged to the field of activity of enterprises - legal entities. In 2010, the law was amended, making it possible to lease a car to individuals. In addition to the car, they can now lease any movable and immovable property.

How leasing works for individuals

The execution of a leasing agreement is possible for any private person. Leasing conditions:

the person must be a citizen of the Russian Federation;
he must be an adult (over 18 years of age);
with permanent registration, at the place where the leasing agreement will be concluded.

List of documents for buying a car on lease for individuals:

Passport of a citizen of the Russian Federation, (make copies of all pages of the document).
Another document confirming the identity of the owner. Such a document is a driver's license, a pension certificate (a mandatory condition, the presence of a photograph in the document).
A document confirming the availability of income (work book, contract).
Statement of income in the form of 2NDFL.

What is better - to take a loan or lease for a car?

car leasing The contractual relationship between car leasing and car loans is partially similar. In both situations, there is a down payment and a schedule of payment of funds according to the plan.

The main difference between these documents is that credit relations, the car immediately becomes the property of the person who borrowed the funds, although it remains collateral for the financial institution that provided the funds.

Warning!

When concluding contractual obligations for leasing, the equipment remains the property of the company. According to the terms of the leasing agreement, the car changes its owner at the end of the document.

Leasing a car can be done in two ways:

Leasing with transferable ownership of the car.
Leasing without transfer of ownership.

The differences between these options for concluding a deal are in the down payment. In the first option, this is from 20 to 49 percent of the cost of the car. In the second option, it is somewhat less, from 10 to 49 percent.

To compare all the possibilities of an individual in purchasing a car on credit or leasing, we will give a practical example.

1. Car loan:

The cost of the car is 1,200,000 rubles.
Credit for 24 months.
Advance 20 percent.
The annual rate is 15.5 percent.
As a result, the expenditure part will amount to 1,362,000 rubles. The initial contribution is 240,000 thousand. Monthly payment 47 thousand rubles.

2. Leasing a car with the transfer of ownership rights:

The cost is 1,200,000 rubles.
Payment amount - 42 711 thousand rubles
The total amount is 1,241,000 thousand rubles.

In the second version of the leasing agreement, the cost part is even less.

Car leasing without down payment for individuals

In addition to the options described above, it also provides for the possibility of acquiring a vehicle on lease without a down payment for individuals.

In this case, a person who purchases a car on lease for individuals. persons provides a security deposit in the amount of ten percent of the contract amount.

These funds are returned to the client after the end of the contract. Recently, used car leasing has become very popular in Russia.

Is it possible to buy a used car on lease Today, leasing companies provide the sale of used cars.

The process of acquiring such equipment is practically no different from buying a new car.

The company provides only tested used cars for leasing, the service life of which does not exceed ten years at the end of the contract.

In addition, the organization that provides equipment for leasing, in the event of any malfunctions, carries out all maintenance work at its own expense. Providing in return an equivalent car, either for the time necessary to troubleshoot, or in full as the subject of the contract.

To buy a car on lease, a private person just needs to follow a few simple rules:

Choose a leasing company.
Collect the necessary package of documents.
Decide on the brand of the car and its condition (new or used).
Familiarize yourself with the package of offers of the leasing company either on the organization's Internet resource or in the office of the enterprise.
Apply.

If these simple rules are observed, an individual will be able to freely purchase a car under a leasing agreement.

source: http://youandcredit.ru/

Today it is almost impossible to imagine the existence of an economy without credit services.

This form of interaction between the buyer, seller and credit institution significantly pushes the turnover of funds. At the same time, lending is always associated with certain risks that have to be covered by interest rates.

Nowadays, competition between banks and other credit organizations forces us to look for more and more new ways to attract customers. But no one wants to lose profits, because the emphasis is not on reducing the loan rate, but on convenience for the client.

So, until recently, not so many people knew about car leasing, and a few years ago it was not at all available to individuals. Today, most credit institutions can provide any client with such an opportunity. What is car leasing in simple words?

Leasing is a financial transaction, which received its name from the English. "to lease", which literally can be translated as "renting". However, in fact, leasing is another type of lending that only includes rent as an element of the contract.

Attention!

Everyone, one way or another, has heard about car loans, but car leasing provides much more opportunities for the client of a leasing organization than a traditional loan.

The lessee can get the use of almost any car available on the market - cars, trucks, special purpose, and so on. It also does not matter if the car is new or already used, while car loans almost always deal with new cars.

An individual or a company that decides to get a car under leasing simply gets it on lease.

The lessor organization remains the owner of the equipment, but after paying a certain amount under the contract, the car can be redeemed at the residual value, taking over full ownership. In fact, by paying monthly amounts, you simply rent a car, and do not own it.

Psychologically, this can be depressing for an ordinary motorist, but this is perhaps the only disadvantage of this approach. Since the lessee is not the owner of the car, the organization that provided the lease has practically no risk.

Warning!

If you stop paying the lease, then the car is simply confiscated from you. Thus, leasing does not require any collateral, consent of the spouse, mandatory guarantee, certificates from the place of work, often even a down payment is not required.

The registration procedure lasts only a few days - an application for leasing is submitted, you choose a car model, seller, Additional services, provide the necessary documents, the lessor makes a positive decision, draws up an agreement, registers the car and transfers it to you for use - by proxy.

If we summarize what car leasing is, in simple words, then these are opportunities. For an ordinary motorist, leasing provides an opportunity to drive any car model without having a large income. The amounts of monthly payments are small, since they are determined not from the entire cost of the car, but only from its part.

You can maintain your image, in fact, without owning a car. You can often change one car for another, since it is not necessary to buy it, and the cost of such a lease is much lower than a traditional lease, without the right to redeem.

For an organization, leasing is an opportunity to painlessly upgrade its fixed assets. Enter new technology in your car park in this case is possible with a minimum reduction in working capital.

You do not need to pay 100% of the cost of equipment, nor do you need to pay large credit bills. Leasing allows the company to save on taxes many times - the lessor pays the property tax, and the lessee already pays the motor transport tax, the income tax is reduced, since leasing payments are related to expenses.

Leasing allows the company to get any car, it also allows you to change it to another, if the need for it has disappeared. In addition, the contract even has the opportunity to stipulate the schedule and amount of monthly payments, depending on the seasonal profit of the enterprise.

source: http://autogrep.ru/

What is the difference between leasing and renting

Differences between leasing and rent Leasing, to put it quite simply, is a long-term lease with an option to purchase. Translated from English word“Leasing” is translated as rent.

It would seem, why bring confusion? Well, rent, and let - rent! But, it turns out, not everything is so simple.

Rent - common name type of relationship. Leasing is a type of lease with its own differences and limitations. (Like, for example, cars - general category, and passenger cars are a variation of this general category).

In leasing, the property to be leased and the seller of this property is chosen by the lessee (for example, you). And the leasing company then acquires this property and transfers it to you for temporary possession and use for a certain period.
Leasing provides certain tax benefits for businesses.
After the end of the leasing agreement, the object of leasing is transferred to your ownership.

The above differences 1 and 2 are the practice that has developed in Russia (although the leasing agreement may provide otherwise). For more information about the differences between leasing and renting, see the article “How is leasing different from renting?”.

Advice!

Leasing is considered (of course, conditionally, not legally) one of the forms of acquiring equipment and cars for enterprises and individual entrepreneurs. Actually, leasing in Russia was introduced as a tool for business development, renewal of fixed assets of enterprises.

Only in May 2010, the restriction on the use of leasing exclusively “for business purposes” was removed from the law on leasing. Thus, restrictions on leasing for budget institutions and ordinary citizens (individuals), for leasing residential real estate. Although, to be honest, the benefits of leasing for individuals are still not obvious (see the article “Cons of leasing for individuals”).

The classic example of leasing

Suppose your company has a growing volume of orders, and the existing equipment can no longer cope. You decide to purchase additional equipment to expand production. And in order not to withdraw the turnover from the business (it is usually not enough anyway), to purchase equipment on lease.

choose necessary equipment, coordinate with the seller all its characteristics, price and apply to the leasing company.
You conclude a leasing agreement, pay an advance of 20% of the cost of the equipment. You put the equipment into operation and start producing products. Pay monthly lease payments.
Your customers are satisfied that they receive orders on time. You are happy that the equipment earns you additional profit.
After the end of the lease, you get the equipment in the property.

This is, of course, a very simplified scheme. In more detail, all the stages and questions will be disclosed further. So ask questions! Good luck with your business! And leasing to the rescue!

source: http://leasing-help.ru/

What is leasing? In simple words about the main

Lending to individuals today in many banking structures is represented not only by the usual types of loans, but also by a relatively new financial product called car leasing.

For Russians, this concept is just coming into use, while residents of the European Union acquire more than a quarter of all cars in this way. So what is it and what are the features of leasing transactions?

An alternative to credit - what is the point

An alternative to a loan The main points of leasing contracts are regulated by Law No. 194-FZ, according to which two parties enter into an agreement on the acquisition of property.

The peculiarity is that the goods are chosen by the lessee (lessee), and the purchase of property, for example, a car, is carried out by the lessor (lessor) and at his own expense.

Then the object is given for temporary use (lease) to an individual for a fee and with the right of subsequent redemption.

Simply put, leasing is a lease agreement with the possibility of a phased purchase of goods.

So what is the difference between regular and finance leases? Regular rental property involves temporary use for a fixed fee. financial leasing(translated from English, the word “leasing” means rent) implies the final transfer to ownership at the end of the term.

Leasing payments (about 5.5% of the total value of the goods) consist of two parts - a fee for the services of the lessor company and a fee for the property itself. Another interesting point: what is better - a car loan or a leasing acquisition program?

The similarity of the options is obvious - both the initial payment and interest rate and the need to make monthly payments. The key difference is that when lending, property immediately becomes the property of the borrower, at the same time acting as a guarantor (pledge) for the execution of the transaction.

In a leasing transaction, the object remains the property of the lessor and will become the property of an individual only after full redemption. Relatively recently, after the adoption of amendments to the law, car leasing became available to individuals.

Warning!

Previously, only legal entities and entrepreneurs had the right to use and evaluate the benefits of this financial instrument. And many leasing companies even now, even after the lapse of time, prefer to work according to classical programs aimed at organizations and individual entrepreneurs.

But over the past year, there has been a trend towards the development of a retail area of activity for working with ordinary citizens. From the point of view of the client, this product is also beneficial because leasing extends to vehicles different manufacturers, while you can choose any car in the official dealership-car dealership.

There are additional features in the form of special discounts (up to 10-15% off total price retail) car dealerships when buying a car through leasing.

Where should I apply for car leasing?

First you need to decide on a specific brand of car and notify the dealer about the choice of a financial institution. By the way, the object can be not only passenger models, but also trucks, as well as boats, yachts, airplanes, helicopters and other expensive property, including real estate.

Then you should find a reliable company that provides services to individuals. This may be directly a credit institution that directly cooperates with car dealerships. The second option is a company created by banking structures or an insurance institution.

Leasing programs are presented:

In banks - in this case, arrested cars are also sold.
In car dealerships - an advantage in providing good discounts under leasing programs.

To get acquainted with detailed conditions auto leasing, it is better to contact the financial institution directly. The main thing you need to know about is a simplified transaction procedure, the possibility of buying vehicles worth from 400,000 to 6,000,000 rubles, for a period of 1 to 4 years. Leasing is most beneficial for the acquisition of expensive property.

There are two types of car leasing offered on the financial market today:

With the transfer of ownership at the end of the term - the client buys the object at the residual value, and the amount of the down payment is from 20%. The residual value is determined individually depending on the brand, cost, condition and configuration of the car model and reaches up to 80% of the total cost.
Without transfer of the right to property - as a result, the client does not redeem the property, but returns it to the lessor, the amount of the down payment varies from 10%.

After a financial institution is selected, you will need to fill out a standard package of documents. In case of approval and a decision to sign the contract, the desired car is transferred to the use of the lessee.

Remember important nuances

The motorist becomes the user, but not the owner of the car.
Lease payments are usually tied to the dollar (under the terms of the contract).
How and where to carry out insurance, repair and maintenance is determined by the owner of the car, the lessor pays the costs in the amount of lease payments.
The vehicle must not be tuned, damaged or substantially altered.

In conclusion, we note that leasing is good for individuals also because it is legitimately included in state program measures to stimulate demand for cars in Russia. This means that financial organizations, in turn, will take measures to improve the efficiency of their products and make the mechanism of leasing transactions more accessible and more profitable for a wide range of consumers.

Experts predict sales growth to 1 million cars per year. Despite the fact that the majority of citizens are accustomed to the standard schemes for buying property, the number of applications for new leasing programs continues to grow, and the contract financial lease is increasingly replacing standard lending.

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 recent years, a fundamentally new financial instrument has gained popularity, which partly combines the methods mentioned, 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 the hallmark of 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. The monthly payment for auto leasing is less than for a car loan, but the total cost of a car is about 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 the residual value that 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 passenger cars, as a rule, of foreign production
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 concrete 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, then a financial lease without a buyout is an ideal 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, apply to a 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.

Leasing programs are currently operating for individual entrepreneurs and individuals who purchase cars on a long-term lease with the right to repurchase them later.

Step 1. Choosing a car

Leasing provides new cars, as a rule, of a popular brand, with a manufacturer's warranty for the entire period of operation.

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 the 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 individuals.

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.

What is car leasing for individuals?

This financial instrument automotive market It has been known for a long time, but it was mainly used by legal entities. According to experts, the time is coming when leasing can be useful for individuals.

by the most accessible ways to get a car at your full disposal has always been its purchase or rental. But there is also a financial instrument that combines these two possibilities.

What is leasing

If we give a very simple definition, then leasing is a lease with the right to purchase or a phased acquisition of property into ownership. That is, for some time a person or company uses equipment, buildings and other real estate, pays a certain amount for it, and in the end this property becomes the property of this person or company.

Reference

In the US and the EU, the share of cars purchased on lease is 30% of all purchased cars (for comparison, in the Russian Federation - less than 3%). Another 30% is purchased in cash and 40% on credit. At the same time, car leasing by individuals provides up to half of all transactions with cars in different countries, when companies and enterprises use the tool in Russia. Most often financial lease passenger cars private individuals in the West ends with the return of the car and the conclusion of a new contract. This practice has been a familiar part of mass consumer culture for several decades.

In Russia, this financial instrument is regulated by Federal Law No. 194 “On Financial Leasing (Leasing)”, adopted back in 1998, which gives the following definition: “Leasing is a set of economic and legal relations arising in connection with the implementation of a leasing agreement, including acquisition of the subject of leasing; leasing agreement - an agreement under which the lessor (hereinafter referred to as the lessor) undertakes to acquire ownership of the property specified by the lessee (hereinafter referred to as the lessee) from the seller specified by him and provide the lessee with this property for a fee for temporary possession and use. The leasing agreement may provide that the choice of the seller and the acquired property is carried out by the lessor; leasing activity - a type of investment activity for the acquisition of property and its transfer to leasing.

What is the difference between leasing and renting and buying

Rent- is the temporary use of a car for a certain amount. Almost the same thing happens when lease agreement. In both cases real owner car profits from the fact that other people use the car. But the leasing car at the end of the term of use becomes the property of the lessee, and does not return to the owner. In a practical sense, renting is more expensive, but requires less investment, since there is no down payment, as in leasing, but only a small deposit. It is more often used if the car is needed for a short period of time (from several hours to several months), respectively, the tenant does not care about obtaining an OSAGO policy, undergoing maintenance, seasonal tire changes and other car maintenance. It is spent only on fuel. Rental rates depend on the period for which the car is taken. When leasing, the payments are always the same.

When buying a car, it immediately becomes the property of the buyer. Along with the ownership of the new owner, all responsibilities for the maintenance and service of the machine fall. And it’s good if you immediately found the entire amount necessary for the purchase. But, according to statistics, in our country about half of new cars are purchased on credit, for which interest and other obligatory payments are paid.

Leasing and car loans

Most of all, modern leasing programs are similar to lending when buying a car. They are united by the required initial payment and monthly payments. But with a conventional loan, the car becomes the property of an individual and immediately becomes collateral to secure the repayment of the loan. When leasing, the car continues to be registered with the company and changes its owner depending on the terms of the contract.

Leasing for individuals

While creating " Leasing Law e” more than 15 years ago, the wording “for commercial use” was included, which excluded the possibility of its use by individuals for domestic use. But in 2010, a change was made to remove the phrase. This measure did not add popularity to leasing, but now ordinary citizens may use finance leases.

At the initial stage, leasing can be used by a client - an individual who is a citizen of the Russian Federation, has a permanent registration in Moscow and the Moscow Region, aged 18 years or older.

Documents required for applying for leasing:

A completed application form;
passport of the Russian Federation (copies of all pages);
a second document with a photograph (VU, passport, etc.);
a document confirming the source of income (a copy of the work book, an employment contract, a contract for the lease of property (apartments, for example) for rent, etc.);
a document confirming the amount of income (certificate 2 personal income tax, a certificate in free form, an act of accepting the transfer of money for renting an apartment, etc.).

The president of a well-known Russian auto holding, says that leasing can be used by those who have not received a car loan due to the inability to prove their income, age (for example, after 60 years), the presence of another loan obligation, or for any other reasons. Due to the growth of debts and defaults, banks began to treat borrowers more strictly, and the percentage of refusals rose to 60. "We Save Families", he says and explains: “With leasing, the car remains the property of the company. This can be useful to officials and people who do not want to show on their declaration that they own a premium car. Now they don't have to get divorced."

The mathematics of leasing

Leasing programs so far apply to new cars and commercial vehicles foreign production, including those assembled on the territory of the Russian Federation, costing from 300,000 to 6,000,000 rubles.
The duration of the program can be 12, 24 or 36 months. If the client wants to buy the car earlier, it can be done after 6 months.

Two types of product are offered today:

leasing with transfer of ownership (at the end of the leasing period, the client can acquire ownership of the car for a redemption fee);
leasing without transfer of ownership (at the end of the leasing period, the client returns the car to the leasing company and can choose and conclude a contract for another car).

In the first case, the down payment should be from 20 to 49% of the cost of the car, in the second, from 10 to 49%.

The residual value of the car at the date of return (how much it will cost in 12, 24 or 36 months) is determined by experts individually, depending on the brand, model, equipment and leasing period, and can be up to 80% of the cost of the car.

Monthly payments are from 5.5% of the cost of the car. They include depreciation of the vehicle and "rental" payments. The vice-president for economics and finance of a well-known car holding company gave such an example to compare leasing and car loans.

Let's take as a basis the following typical loan option:

The cost of the car is 1,200,000 rubles. Term 24 months, advance payment 20%, rate 15.5% per annum.

In this case monthly payment will amount to 46,775.56 rubles, the advance payment - 240,000 rubles, and the total cost of purchasing a car, taking into account the costs of servicing the debt, will amount to 1,362,613.46 rubles for 24 months.

When purchasing a similar car on lease, you have two options:

1) leasing with transfer of ownership. In the case of leasing a car, it is possible to receive a discount (we will take it at an average level of 10%). In this case, we will get: an advance payment of 216,000 rubles, a monthly payment of 42,711.25 rubles, and the total cost of purchasing a car under a leasing agreement for 24 months will be 1,241,070.00 rubles.

In comparison with a car loan, the benefit is obtained both in the first installment (24 thousand rubles), the monthly payment (more than 4 thousand rubles), and in terms of costs in the aggregate - by 121,543 rubles. leasing is cheaper.

2) leasing without transfer of ownership. In this case, it is also possible to receive a discount on the car (we will take it at an average level of 10%). The residual value will be indicative of 70% In this case, we will get: an advance payment of 216,000 rubles, a monthly payment of 13,662.46 rubles, and the total cost of owning a car under a leasing agreement for 24 months will be 543,899.44 rubles.
For comparison with a loan, we will assume that we will sell the car after the loan is repaid - this will equalize the conditions with leasing without transferring ownership. Having sold the car under the same conditions for 70%, we will receive expenses for the period of car ownership using loans in the amount of 522,613.46 rubles. (1,362,613.46 - 840,000).

In comparison with a car loan, the first installment is lower by 24 thousand rubles, monthly payments are almost 4 times lower - 13,600 per month instead of almost 47 thousand rubles.

From these examples, the advantages of both products are clearly visible: 1) with comparable monthly payments, it is more profitable in general; 2) comparable to a loan at a significantly lower monthly cost.

Insurance, taxes and penalties for leasing

All additional costs that normal operation car is ultimately borne by the lessee. It could also be a purchase. additional equipment, and insurance (mandatory and voluntary, however, it is also mandatory, since the car is the property of the company), and transport tax. It's just that these expenses are included in the final amount of the leasing agreement, and payments on them are broken down for the entire period of its validity.

As for the fines that come from photo and video cameras, they will be paid by the tenant. Resolutions come to the owner, and he sends them to the client. In this case, the payment of fines becomes the main payment, and until it is made, incoming monthly payments will not be counted. Rather, these amounts will be used to pay off the fines, and then they will be accepted as payment under the contract.

Problems and prospects of leasing for individuals

The CEO of another leasing company says that there are a number of factors hindering the active development of leasing for individuals in Russia. “These are shortcomings in the existing regulatory framework governing the leasing sector in general, and the lack of a culture of financial car rental by private individuals. To a certain extent, the development of leasing for individuals is also constrained by the uncertain situation in the economy. At this stage, car leasing in our country is still more focused on the needs of entrepreneurs and organizations.

At the same time, I believe that the prospects for the development of leasing for individuals in our country are quite good. Leasing for individuals in Russia can compete with car loan products, provided that leasing operators bring to the market a sufficient number of variable leasing offers for individuals.

Each product - leasing or credit - should have its own unique advantage and be aimed at its target segment. The experience of our company at the present time successfully confirms this by offering a suitable financial solution for the purchase of cars to different customer groups.”

Experts hope that with the maximum development of the program in Russian leasing, it will sell up to a million cars a year.

The most affordable way to get a car at your full disposal has always been to buy or rent it. But there is also a financial instrument that combines these two possibilities.

What is leasing

In the US and the EU, the share of cars purchased on lease is 30% of all purchased cars (for comparison, in the Russian Federation - less than 3%). Another 30% is purchased in cash and 40% on credit. At the same time, car leasing by individuals provides up to half of all transactions with cars in different countries, when companies and enterprises use the tool in Russia. Most often financial lease cars by private individuals in the West ends with the return of the car and the conclusion of a new contract. This practice has been a familiar part of mass consumer culture for several decades.

In Russia, this financial instrument is regulated by Federal Law No. 194 “On Financial Lease (Leasing)”, adopted back in 1998, which gives the following definition: “ Leasing- a set of economic and legal relations arising in connection with the implementation of a leasing agreement, including the acquisition of a leased asset; lease agreement- an agreement under which the lessor (hereinafter referred to as the lessor) undertakes to acquire ownership of the property specified by the lessee (hereinafter referred to as the lessee) from the seller specified by him and provide the lessee with this property for a fee for temporary possession and use. The leasing agreement may provide that the choice of the seller and the acquired property is carried out by the lessor; leasing activity- a type of investment activity for the acquisition of property and its transfer to leasing.

What is the difference between leasing and renting and buying

Renting is the temporary use of a car for a certain amount. Almost the same thing happens when concluding a leasing contract. In both cases, the real owner of the car profits from the fact that other people use the car. But the leasing car at the end of the term of use becomes the property of the lessee, and does not return to the owner. In a practical sense, renting is more expensive, but requires less investment, since there is no down payment, as in leasing, but only a small deposit. It is more often used if the car is needed for a short period of time (from several hours to several months), respectively, the tenant does not care about obtaining an OSAGO policy, undergoing maintenance, seasonal tire changes and other car maintenance. It is spent only on fuel. Rental rates depend on the period for which the car is taken. When leasing, the payments are always the same.

Leasing and car loans

Leasing for individuals

When the Law on Leasing was created more than 15 years ago, the wording “for commercial use” was included, which excluded the possibility of its use by individuals for domestic use. But in 2010, a change was made to remove the phrase. This measure did not add popularity to leasing, but now ordinary citizens can use financial leases.

At the initial stage, leasing can be used by a client - an individual who is a citizen of the Russian Federation, permanently registered in Moscow and the Moscow Region, aged 18 years or older.

Documents required to apply for leasing:

A completed application form;
passport of the Russian Federation (copies of all pages);
a second document with a photograph (VU, passport, etc.);
a document confirming the source of income (a copy of the work book, an employment contract, a contract for the lease of property (apartments, for example) for rent, etc.);
a document confirming the amount of income (certificate 2 personal income tax, a certificate in free form, an act of accepting the transfer of money for renting an apartment, etc.).

Mikhail Bakhtiarov, president of the auto holding Major Auto, says that leasing can be used by those who have not received a car loan due to the inability to prove their income, age (for example, after 60 years), the presence of another loan obligation, or for any other reasons. Due to the growth of debts and defaults, banks became stricter on borrowers, and the percentage of refusals rose to 60. “We save families,” says Bakhtiarov and explains: “When leasing the car, the car remains the property of the company. This can be useful to officials and people who do not want to show on their declaration that they own a premium car. Now they don't have to get divorced."

The mathematics of leasing

Leasing programs so far apply to new foreign-made passenger and commercial vehicles, including those assembled in the Russian Federation, worth from 300,000 to 6,000,000 rubles.

The duration of the program can be 12, 24 or 36 months. If the client wants to buy the car earlier, it can be done after 6 months.

Two types of product are currently offered:

leasing with transfer of ownership (at the end of the leasing period, the client can acquire ownership of the car for a redemption fee);
leasing without transfer of ownership (at the end of the leasing period, the client returns the car to the leasing company and can choose and conclude a contract for another car).

In the first case, the down payment should be from 20 to 49% of the cost of the car, in the second, from 10 to 49%.

Monthly payments are from 5.5% of the cost of the car. They include depreciation of the vehicle and "rental" payments.

Yaroslav Bobrovich, Vice President of Major Auto for Economics and Finance gave such an example to compare leasing and car loans.

Let's take the following typical loan option as a basis:

The cost of the car is 1,200,000 rubles. Term 24 months, advance payment 20%, rate 15.5% per annum.

In this case, the monthly payment will be 46,775.56 rubles, the advance payment will be 240,000 rubles, and the total cost of purchasing a car, taking into account debt service costs, will be 1,362,613.46 rubles over 24 months.

When purchasing a similar car on lease, you have two options:

1) leasing with the transfer of ownership. In the case of leasing a car, it is possible to receive a discount (we will take it at an average level of 10%). In this case, we will get: an advance payment of 216,000 rubles, a monthly payment of 42,711.25 rubles, and the total cost of purchasing a car under a leasing agreement for 24 months will be 1,241,070.00 rubles.

2) leasing without transfer of ownership. In this case, it is also possible to receive a discount on the car (we will take it at an average level of 10%). The residual value will be indicative of 70% In this case, we will get: an advance payment of 216,000 rubles, a monthly payment of 13,662.46 rubles, and the total cost of owning a car under a leasing agreement for 24 months will be 543,899.44 rubles.

For comparison with a loan, let's assume that we will sell the car after repaying the loan - this will equalize the conditions with leasing without transferring ownership. Having sold the car under the same conditions for 70%, we will receive expenses for the period of car ownership using loans in the amount of 522,613.46 rubles. (1,362,613.46 - 840,000).

In comparison with a car loan, the first installment is lower by 24 thousand rubles, monthly payments are almost 4 times lower - 13,600 per month instead of almost 47 thousand rubles.

Insurance, taxes and penalties for leasing

All additional costs required by the normal operation of the vehicle are ultimately borne by the lessee. This can be the purchase of additional equipment, and insurance (mandatory and voluntary, however, it is also mandatory, since the car is the property of the company), and transport tax. It's just that these expenses are included in the final amount of the leasing agreement, and payments on them are broken down for the entire period of its validity.

Problems and prospects of leasing for individuals

General Director of CARCADE Alexey Smirnov suggests that there are a number of factors hindering the active development of leasing for individuals in Russia. “These are shortcomings in the existing regulatory framework governing the leasing sector in general, and the lack of a culture of financial car rental by private individuals. To a certain extent, the development of leasing for individuals is also constrained by the uncertain situation in the economy. At this stage, car leasing in our country is still more focused on the needs of entrepreneurs and organizations.

Mikhail Bakhtiarov hopes that with the maximum development of the program in Russian leasing, he will sell up to a million cars a year.