Sale of cars on lease to individuals. Car leasing in Russia

Car on lease

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

Situation from life

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

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

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

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

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

We buy and drive

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

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

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

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

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

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

Buying Secrets

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Cons of leasing

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

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

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

Video: about leasing

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In the article we will consider how individuals can buy a car on lease. Let's figure out on what conditions TOP-3 companies offer to conclude an agreement and how to calculate payments for the purchase of a new and used car on a calculator. You will find out where to rent a car on favorable terms and how the buying process goes.

TOP-3 companies offering leasing for individuals

Terms of car leasing for individuals

When there is no possibility of buying a car at their own expense, individuals are left to look for other ways to solve the problem. One of the most popular options for purchasing a car in 2018 is the conclusion of a leasing agreement.

For many years, the possibility of using leasing programs for individuals. persons were absent. Such services were provided exclusively by legal entities. persons, but now the situation has changed. If just a few years ago, consumers could get a car for use only after a full purchase or a car loan, today you can also use it.

It is easy to understand how leasing works for individuals. This simple circuit, in which the lessor undertakes to acquire the car chosen by the client in his own possession with the subsequent provision of it for use for a certain fee and with the right to purchase. This means that during a certain period the car is in your rental.

In fact, a car leasing agreement for individuals is a tripartite agreement, the main parties in which are the leasing company and its client. Private leasing Russia has many advantages.

Among the features of leasing for individuals are:

• Flexible requirements for the borrower.
• Loyal payment terms.
• Possibility to refuse transport at any time.

Europlan

Using the services of this company, you can buy a car or a used car. The term of the leasing agreement does not exceed three years, and the amount of the advance payment starts from 10%. Europlan customers at a rate of 10%, which makes the monthly payment amount lower.

The basic terms of leasing are presented in the table:

To obtain a lease, you need to choose a car in a dealership, leave an application and pay. The company will pay the entire cost of the vehicle and transfer it to you for use.

Alfa Leasing

The conditions for leasing cars in this company are reflected in three programs: Quick start, Low payment and Easy buyout. You can purchase only vehicles included in the Alfa-Leasing catalog. The list contains about 20 thousand models.

Basic conditions for all programs:

A prerequisite for leasing for individuals is that vehicles cannot be used for commercial purposes. The programs are valid only in the regions where the company operates. Departure on a leasing car outside the Russian Federation must be agreed in advance. Permitted annual mileage - up to 50 thousand km. Telemetric tracking systems are installed on vehicles. In this case, one copy of the keys remains with the transport company.

Major Leasing

Leasing in this organization makes it possible to purchase cars high class on favorable terms.

In total, there are several programs for physical. persons whose main conditions are presented in the table:

The leasing process is not difficult. You need to choose suitable vehicle and program, and then apply.

Which company offers car leasing on the most favorable terms

Based general conditions selling cars on lease, the most affordable option is offered by Europlan. It provides for a convenient term of the agreement, a minimum down payment and a low interest rate.

Using the services of this company, you can constantly drive a new car, changing it to another without any problems.

All maintenance and unscheduled engineering works performed by official dealers And only at the expense of the company.

In addition, Europlan assumes the risks of losing the value of the machine associated with market conditions and the degree of wear.

An example of calculating leasing for individuals

To see the terms of leasing in numbers and compare them with credit, you can use the online calculator on the website of any leasing company. For example, we will consider a calculator on the Europlan website. Fill in all the fields of the program and get an instant calculation.

If you issue a BMW 3 Series worth 1,840,000 rubles. for 36 months, having paid a down payment of 30%, then the monthly payment will be from 32,384 rubles. (on a loan - from 46,888 rubles). Your benefit is 14,504 rubles.

How to rent a car?

In order to buy a car on lease, an individual needs to go to the website of the selected organization and fill out an online application. IN electronic form you need to provide the following information:

• FULL NAME.
• Date of birth.
• Region of residence.
• The make and model of the vehicle you wish to purchase.
• Contact details.
• The amount of the advance payment.
• Leasing term.
• Passport data.

Submit your application and wait feedback with a company representative. He will clarify some issues, after which he will announce a preliminary decision. If it is positive, then you need to prepare a package of documents and visit the office of the organization. Then you sign the agreement and pay the advance payment. The company pays the full cost of the vehicle to the dealer (seller), after which the car is at your disposal.

Requirements for an individual

The requirements for clients are as follows:

• Citizenship of the Russian Federation.
• Age - from 20 years.
• The presence of official employment and regular income.
• Experience on last place work for at least 6 months.

Application documents

Let's figure out what you need from the documents to rent a car:

• Russian passport with permanent residence permit in one of the regions where the leasing company operates.
• The second document confirming the identity.
• A certificate from work or other document indicating the amount of regular income.
• A copy of the employment contract or book.
• Packing list, Commercial offer and other papers for the purchased vehicle.

Leasing agreement

When concluding a leasing transaction, a special agreement is drawn up. According to the content of most of these documents, the seller of the property receives payment for the goods from the lessor, but at the same time is responsible to the direct recipient of the goods for the complete set, quality, delivery time, etc.

The lessee makes an advance payment to the account of the company that paid the cost of the car. At the same time, there are programs that are concluded without a down payment from the client.

Additional costs are usually paid by the leasing company, especially when it comes to scheduled maintenance and unscheduled preventive maintenance. But some agreements may also provide for the financial participation of the borrower.

Benefits of car leasing for individuals

The advantages of using the services of leasing companies can be considered:

• A small package of documents for registration of the transaction.
• Cooperation with many dealers.
• More profitable terms compared to credit programs.
• Flexible debt repayment schedules.
• The speed of the transaction.

What is car leasing in simple words? How profitable is it to buy a car on lease? How to choose a reliable leasing company budding businessman?

Good afternoon, dear readers! With you is Eduard Stembolsky, a regular contributor to the publication.

Subject new publication- car leasing, a type of financial service that is gaining popularity in our country.

This article will be useful to anyone who wants to buy a car and chooses the most profitable purchase option.

So let's go!

1. What is car leasing - practical meaning, benefits and advantages

Many want to buy a car, but not everyone is sure that such a purchase in times of crisis will be a profitable and reasonable investment. Potential car owners are considering different variants purchase of a car - a loan, a one-time purchase, a lease.

Relatively recently, another type of purchase has gained relevance - leasing. This method of updating the fleet can be used by both legal entities and individuals, that is, private buyers.

In one of the articles of our magazine, you can get acquainted with the concept of "" in more detail. A few words for those who do not know what this financial instrument is.

Official definition

Leasing– acquisition of property for long-term use with the right of its subsequent redemption.

In other words, this is an option for a long-term lease, at the end of which you can take ownership of the leased property.

Purchase on lease of cars and trucks, as well as special equipment - the most demanded direction of leasing investments.

Companies in this way expand their fleet, individuals and individual entrepreneurs purchase cars for personal use, and financial institutions and suppliers receive stable profits.

Benefits of leasing for lessors and lessees

For leasing companies, the sale of cars on lease is a minimally risky activity for the following reasons:

• a car is a highly liquid property that can be easily sold on the secondary market;
• until the end of the lease term, the car remains the property of the leasing company: moreover, the company can at any time withdraw the property from the lessee without a decision judiciary(as with a loan);
• all equipment transferred for use is registered with state bodies: if necessary, you can easily and quickly determine the location of the car.

That is why almost all leasing organizations offer their clients transactions with vehicles, and some firms are engaged exclusively in the “automotive” direction of financial transactions.

The benefits to the lessee are also numerous:

• the buyer pays for the car not immediately, but within the terms established by the contract, while he can dispose of the property at his own discretion immediately after making the advance payment;
• leasing transactions are distinguished by their variability. The client chooses the debt repayment schedule that is most suitable for his goals and decides in advance whether he will return the car after the end of the rental period or take it for himself, paying the residual value;
• legal entities receive tax preferences (preferential conditions);
• the financial transaction itself is much simpler than buying on credit - no additional collateral and numerous checks of documents and the financial status of the company (or individual entrepreneur) are required;
• speed of processing the transaction: some companies offer to draw up a leasing agreement within 1-3 days from the date of application.

In our country, transport leasing has not yet reached the European level of popularity. Almost a third of all cars there (approx. 30%) are leased.

In Russia, this percentage is relatively small; Experts believe that the reason for this situation is the low awareness of the population and the psychology of domestic motorists (or rather, bias towards unfamiliar financial services).

I must say that gradually the situation is changing for the better - everything more people and companies use this type of vehicle acquisition, realizing the benefits and advantages of leasing in comparison with a car loan and purchase.

2. The main types of car leasing - leasing for individuals and legal entities

About which I wrote in detail in one of the publications of our magazine, Art. al accessible financial transaction only a few years ago, after the adoption of the relevant law.

This stimulated the development and expansion of the spheres of influence of leasing companies: now in almost every city and region of the Russian Federation there are organizations that provide the population (individuals and individual entrepreneurs) this species financial services.

Thousands of people have already used long term lease with the right of redemption and appreciated all the advantages of this operation.

Companies and enterprises have been using car leasing for a long time, however, previously vehicles could only be purchased in this way for commercial use.

Now you can freely lease cars, including - executive class and used. Details on how to take are described in our separate article.

When asked what is better - a car loan or leasing, experts in financial instruments answer: it all depends on the long-term goals of the client.

If the recipient wishes to purchase a car or freight car for temporary use, and after the expiration of the lease to return it to the company, leasing will be more profitable financially.

If the client's goal is a full-fledged purchase of a car, then the economic benefit of leasing is leveled in comparison with a loan. However, we should not forget about other advantages of leasing - a quick transaction, tax benefits for legal entities, the absence of additional collateral.

To understand the difference between a loan and leasing, a comparative table will help

№	Comparison criteria	car loan	Car leasing
1	Decision time	3-6 weeks	from 1 day to 2 weeks
2	Property tax (for legal entities)	2,2%	absent
3	VAT refund (for companies)	No	Yes
4	Availability of collateral	There is	No
5	Payment Schedule	fixed	flexible
6	Purchase of used vehicles	not practiced	Maybe
7	Contract term	up to 3 years	2-5 years

3. How to profitably buy a car or truck on lease - step by step instructions

The general scheme for acquiring a car on lease is extremely simple.

Prerequisite: A company or individual wants to buy a vehicle but does not have the funds for a one-time purchase.

A decision is made to formalize a leasing deal, fortunately, there is no shortage of offers from financial companies in the cities of the Russian Federation. The recipient chooses a company, studies the terms of the transaction, submits an application.

The company reviews the application and makes a decision. Since leasing organizations have more discretion than banks, a decision is usually made much faster than when applying for a loan.

The next steps are the collection of documents, negotiations, execution of the transaction, the advance payment (if such is provided for in the contract), the receipt of the car from the supplier, property insurance, the operation of the car by the recipient.

Now let's take a closer look at the main steps of the transaction.

Step 1. Choosing a company and studying the terms of leasing

Choosing a company is the most important stage of the procedure. How to find the most reliable and honest leasing partner will be discussed in a separate section of this publication. Here we want to draw the attention of readers to the need for a thorough study of the conditions of the lessor.

It depends on this whether the transaction will be economically feasible, and whether you end up with exactly the financial product that you intended to purchase.

The most important points (especially for individuals):

• the interest rate of the company (in fact, the cost of services of a financial institution);
• amount of monthly payments;
• the amount of the advance payment;
• payment schedule.

The terms of leasing agreements are characterized by variability. In practice, this means that the recipient can choose the most beneficial payment schedule for himself or his company.

By default, the amount of payments each month is the same, but if it is more convenient for you to pay according to a different scheme, the company can meet halfway and agree to the terms you proposed.

Understanding the real cost of car leasing is not always easy. For example, some clients overlook such concepts as "residual value", "appreciation", "depreciation".

Ideally, the terms of the transaction are best studied with a professional lawyer. This will allow you to choose the most profitable and reliable version of the contract.

Pay attention to ways to complete the transaction.

Large leasing companies offer several options:

• exchange the car for a new one and conclude another contract;
• return the car to the owner;
• redeem the property by paying the residual value;
• extend a long-term lease.

The choice depends entirely on your personal preferences.

Step 2

Requirements for clients in all leasing companies are approximately the same. The lessee must be a citizen of the Russian Federation who has reached the age of 18 years.

Individuals must submit the following documents:

1. Leasing application.
2. Passport.
3. Driver's license.
4. A document confirming the recipient's income.
5. Copy of work book.

A pledge and a guarantor are not required for the execution of the contract.

For legal entities, the list of documents is more extensive. Required: a copy of the Charter of the company, a copy of the document confirming the appointment of the head, accounting documents - a statement of the balance sheet and reporting.

An obligatory stage of the transaction is insurance. Often the insurer is a partner of the lessee and actually acts on his behalf. OSAGO insurance is required for all vehicles passing into long-term use and for the entire period of operation. CASCO insurance is based on a mutual agreement between the parties.

Experts advise to insure a car not for the entire period, but for each year, receiving automatic discounts as a regular customer. You can also change the insurer if you find a company with better conditions.

Step 3. Operation and purchase of the machine

After signing the contract, the client makes an advance payment (in different firms its value varies from 5% to 49%), and the car is transferred to the temporary use of the recipient, who has the right to dispose of it at his own discretion, using it for commercial or personal purposes.

At the end of the rental period, the client can buy the car into ownership, if such an option is provided for in the contract.

The recipient undertakes to monitor the serviceability of the machine and its appearance.

Some leasing companies, in cooperation with car suppliers, provide additional services to customers:

• regular maintenance;
• seasonal tire change;
• partial or full payment for the service in the event of a breakdown.

Such bonuses are typical for the purchase of new vehicles through dealers of well-known automobile brands.

Since sellers are interested in distributing their product, customers are provided with a variety of benefits, discounts and other useful things.

4. How to choose a reliable leasing company - expert advice

Number of leasing organizations operating on domestic market, measured in hundreds. Each of the firms attracts customers by advertising unique offers, benefits and without talking about the "pitfalls".

It is clear that there is no ideal company that would suit all customers in all respects: each lessor has its own strengths and weaknesses.

Experts in financial and investment instruments advise paying attention to the following criteria when choosing a company:

• the company's time on the market;
• the financial condition of the organization;
• reputation of firm in professional circles;

Many are interested in whether it is possible for an individual to take a car on a financial lease without an initial payment? Yes it is possible. However, it is important to know that paying upfront can make subsequent payments much easier. Since the higher the advance payment, the lower the amount of payments under the contract with a private person.

The leasing company charges interest on the purchase amount of the car. This value is calculated as the cost of the subject of the transaction minus the initial payment. Therefore, when making a large initial amount, the amount of financing decreases. This means less interest and an increase in the price of the contract.

However, not everyone has the opportunity to pay the down payment. Therefore, many financial institutions are increasingly offering individuals to lease a car without this condition. It is wrong to assume that through leasing only freight transport and special equipment. Now cars are leased out. It is called car leasing for individuals.

Leasing a car for individuals without a down payment

You have decided to lease a car for individuals without a down payment in Moscow to work in a taxi. What happens next? You choose a car in the showroom of an automaker's dealer. Your lessor buys this car, registers it with the traffic police, insures it and gives it to you for several years.

Every month, an individual transfers the difference between the purchase price of a car and its residual value, which is written in the contract. When the contract expires, the vehicle is transferred to the leasing company or redeemed at a fixed purchase price.

Car leasing for individuals has its advantages:

• there is no down payment;
• regular payments are lower than with car loans;
• the lease payment often includes all expenses for insurance, scheduled maintenance, tire fitting, seasonal storage tires, etc.);
• the application is considered quickly (in comparison with a bank loan for an individual);
• minimum documents are required for registration.

Conditions for obtaining a car on lease and necessary documents

There are certain conditions for obtaining a car on lease for individuals. This:

• reliable financial condition of the lessee;
• high level of car liquidity;
• clean name in credit institutions;
• good credit history of an individual;
• the ability to issue a property pledge or the presence of guarantors.

To apply in Moscow, St. Petersburg, any other city, you need to fill out and take Required documents to purchase a car on lease without a down payment.

• questionnaire of an individual in the form of the company of the lessor;
• a copy of the Russian passport (all pages);
• copy of the second document ( driver's license, international passport);
• document on income for the last six months (certificate 2-NDFL, certificate of employment);
• a certified copy of the work book (employment contract, other documents confirming income);
• other documents as requested by the lessor.

When you go to the office of the leasing company, do not forget to take all the above documents with you.

Where to get a used car for leasing for individuals?

In addition to a brand new car, you can rent used vehicles. Offers of companies to purchase a used car without a down payment are updated regularly. Since many lessors work with such cars. Often they offer the sale of a car without a down payment from the so-called leasing confiscation. These are cars that are confiscated from customers as a result of non-fulfillment of obligations under transactions. You can rent them at the most favorable terms.

It is profitable to rent used cars. That's why:

• only checked cars in the park;
• guarantee legal purity transactions;
• full car diagnostics;
• certified technical condition;
• one owner.

Truck leasing

Today, trucks under financial lease without an advance payment are purchased not only legal entities and entrepreneurs. It is possible to lease trucks for individuals without a down payment. To do this, many companies request only two documents:

• driver's license (passport, international passport);
• certificate of state pension insurance.

In general, less stringent requirements are imposed on the rental of trucks and special equipment. This is due to a number of reasons. Compared to a car, the difference is obvious. Cargo one way or another, use to do business. Therefore, it will generate income. The lessor may adjust the payment schedule in accordance with seasonal changes that have a direct impact on the business. It is possible to take a deferment on the payment of the debt.

How to buy a used car on lease - the cost of a car loan for a used car?

Many people prefer not to take a car loan, but to rent a used car. This is a simplified transaction approval procedure and lower interest rates. And besides:

• purchase without a down payment;
• fixed monthly fee;
• personal approach to each borrower;
• minimum documents;
• no additional fees;
• risk minimization.

It takes a long time to get a car loan. Some find it difficult to meet all the requirements of a credit institution. Therefore, buyers of cars began to turn to lessors more often.

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.

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 different countries up to half of all transactions with passenger cars, 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 lease agreement. In both cases, the real owner of the car profits from the fact that other people use the car. But leasing car at the end of the term of use becomes the property of the tenant, 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 modern leasing programs similar to a car loan. 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 that secures 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

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 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 permanent registration in Moscow and Moscow region, aged 18 years.

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: “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 currently offered:

1. leasing with transfer of ownership (at the end of the leasing period, the client can acquire ownership of the car for a redemption fee);
2. 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%.

residual value 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.

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 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 cost 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 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.

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, 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.

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

General Director of CARCADE Alexey Smirnov says that there is whole line 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 enough 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.”

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