Purchasing a new car is a responsible decision that must be approached by carefully weighing the pros and cons of one or another payment option. The sale of a car can be carried out for cash and non-cash funds, under various conditions of car loans or long-term lease with a subsequent purchase.
Of course, not every company in Moscow is able to release enough own funds that can be directed to the purchase of transport. Therefore, the use of borrowed funds is becoming more and more popular.
Leasing services are very attractive for company owners who purchase cars for their employees. After all, for many companies - this is an opportunity to expand the fleet without a down payment and on favorable terms.
Benefits of car leasing
For many organizations, leasing is an attractive opportunity to purchase a new car. First, you do not need to make an immediate full cost, which lowers the overall costs of the enterprise, freeing up working capital. Secondly, building a convenient payment schedule allows you to take into account the peculiarities of the company's financial flows. And thirdly, the presence of tax benefits is pleasantly pleasing: payments under a leasing agreement are transferred to the cost of production, so there is no need to take them into account when paying income tax.
The indisputable advantage of purchasing a car under a leasing agreement is that you start using it right away! In addition, at the end of the contract, the car can be redeemed at a small residual value or transferred for sale, with the transfer of the amount received as an advance for new transport under the following contract.
Among other advantages, it is worth highlighting the absence of additional collateral obligations, since a car purchased under a leasing agreement is already a transaction security. And the use of the accelerated depreciation rate gives the company the opportunity to recover investment costs in an accelerated time frame.
Sale of leasing cars
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, or any other city, you need to fill out and take the necessary documents for leasing a car 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);
- a copy of the second document (driver's license, 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 on terms financial lease not only legal entities and entrepreneurs acquire without an advance payment. 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 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.
The acquisition of the desired car or special equipment is not always available to a citizen. The law provides for several options for assistance in similar situations. Cars can be borrowed or rented. A less common way in the Russian Federation is a financial lease. What is leasing in simple words and how to conclude a contract?
Purchasing a car under a leasing agreement is not the most popular deal in Russia. Citizens prefer other purchase options vehicle.
When purchasing a car on lease in Moscow, the lessee actually becomes a tenant of the vehicle, with the aim of further redemption at the residual price. The lessor remains the owner of the car. According to the leasing agreement, the citizen makes monthly payments.
A citizen wants to buy a car, but the financial condition does not allow it. He finds a car he wants to buy. Applies to the organization (lessor), she buys it in the property. The contract is concluded.
A citizen can use the car, for this he pays the contributions of the organization. After the period established by the contract, he can buy the vehicle at the residual price, taking into account the wear and tear of parts. That is, much cheaper than it was acquired by the organization.
The high price does not allow necessary car on one's own. Therefore, leasing of trucks for individuals is popular.
Requirements for the lessee
Car leasing is a financial lease. Therefore, serious requirements are imposed on a citizen, comparable to the conditions of banks when issuing a loan.
The terms of the lease include:
- permanent registration in the same territory as the lessor;
- Russian citizenship;
- at least 18 years old at the conclusion of the contract;
- no more than 65 years at the end of the contract;
- permanent official seat work;
- level of income to meet the terms of the contract.
When drawing up a contract, the organization may require documents confirming wages. To lease a car, individuals need to clarify the requirements of a particular lessor.
Types of leasing
The law provides for several types of financial lease:
- financial;
- returnable;
- operational.
Treaty financial leasing car provides for the lessee to make contributions during the prescribed period. At the end of the term, the citizen redeems the car at a reduced price.
Leaseback provides for the sale own car lessor. Then former owner becomes a lessee. This is what legal entities do, for example, to reduce taxes.
Operational leasing is concluded for a short period. When the contract period ends, you can either extend it or return the car to the lessor. This method allows a citizen to use expensive cars without acquiring their property and change them regularly.
Pros and cons of leasing
| No. p / p | Advantages | Flaws |
| 1 | Availability of leasing special equipment. | You can not leave the country, without prior agreement with the lessor |
| 2 | More democratic requirements for the borrower | Property cannot be disposed of at one's own discretion (sell, lease, donate, pledge) |
| 3 | Smaller payments compared to a loan | In case of improper performance of the contract, the car will be taken away without agreement with the lessee |
| 4 | Insurance and other expenses included in monthly payments | It is forbidden to make changes to appearance car (airbrushing, tuning) |
| 5 | Property is not considered property, which is beneficial for debtors | In case of malfunctions, you can use car services only approved by the lessor |
| 6 | Not included in the credit history and does not affect the possibility of obtaining loans | Requires an initial deposit |
The person who purchases the car decides on his own how leasing is beneficial for him.
The difference between leasing and borrowing
Leasing is a type of lease. To understand how leasing works, consider the differences from a classic lease:
- A citizen independently chooses a car that the organization will purchase;
- The use of a financial lease agreement gives the right to use tax benefits;
- The citizen becomes the owner of the subject of the lease upon the expiration of the contract.
Until 2010, the law provided for the leasing of vehicles only for individual entrepreneurs and legal entities. A private person could not become a party to the contract.
Leasing conditions for a car for individuals
At present, every citizen can conclude such an agreement. Moreover, special conditions are provided for them:
- Car leasing for individuals provides for the use of a security deposit instead of a down payment. After making the last payment, it is returned to the owner;
- A corporate discount is being considered. Its size can reach up to 25% of the contract amount;
- On the territory of the Russian Federation, car leasing for individuals is implemented, among other things, in order to support the domestic engineering industry. If the subject of the contract is Russian car, then a discount of up to 10% is provided;
- The contract can include all expenses for the maintenance of the car. Including insurance, technical inspection, additional equipment;
- Short term for car leasing for an individual;
- The minimum package of documents.
Thanks to the above conditions, leasing a car is beneficial not only for individual entrepreneurs, but also for ordinary citizens.
Leasing calculator:
Used car leasing
Registration of a car under a financial lease agreement is possible not only for new, but also for used cars. This issue is at the discretion of the lessee.
Conditions for leasing used cars:
- Contract term from 1 to 8 years;
- Presence of a down payment (up to 35% of the value of the subject of the contract);
- It is not possible to take out car insurance on your own.
If a legal entity leases a truck purchased from an individual, the purchase is subject to VAT. It is unprofitable to take such a car.
When purchasing a used car on lease, you need to contact a reliable dealer in order to avoid fraudulent actions on the part of the seller.
Car leasing for taxi organization
Leasing a car for an individual entrepreneur is the most profitable option when replenishing a taxi fleet. Leasing a car for a taxi has the following features:
- the contract can include conditions for car maintenance;
- using a car on lease for a taxi, you can redeem it ahead of schedule;
- the purchase of a car on lease is possible for persons who have not yet issued an IP;
- car leasing is for a long period;
- it is possible to buy a car on lease without a down payment or with a minimum amount;
- tax incentives;
- accrued accelerated depreciation;
Leasing for sole proprietorship is good way expand your business at no additional cost.
How to buy a car on lease
Auto leasing is good choice for a person who wants to buy a car, but does not have Money to purchase it. Unlike a loan, leasing without a down payment slightly increases the amount of the monthly payment. Such option is suitable citizens with low income.
How to buy a car on lease:
- selection of the subject of the contract;
- choice of the lessor company;
- auto insurance of the subject of the contract;
- provision of documentation;
- execution of the contract.
Vehicle selection
If you want to buy a car on auto leasing, you need to clearly understand what will be the subject of the contract:
- new car;
- used car;
- special equipment.
Car leasing for individuals is purchased based solely on the wishes of the lessee. However, the risks of repair and loss of the subject of the contract are assigned solely to him. Therefore, due attention must be paid to this stage.
Search for a leasing company
The following features must be taken into account:
- Borrower may require financial statements companies. An organization with a stable financial position will meet halfway;
- Companies provide various conditions. Therefore, you need to consider several proposals to select the most favorable leasing conditions;
For those who want to purchase, but do not have sufficient funds, several counter options are provided that allow you to make a purchase. What is comparative new form lending, which has become quite popular in the last few years? And how to lease a car to individuals?
There are many interesting things here:
- non-burdensome conditions;
- low monthly payments;
- the possibility of returning the car or its exchange for another model;
- ease and speed of the procedure.
But it's not about that. We are primarily interested in the following point: what rules and requirements apply to the borrower?
How is credit attractiveness justified and how to lease a car to individuals?
The end result is the same: the car becomes the property of the person who issued the lease. Roughly speaking, this is the same with the right to buy a car. But unlike the expensive and long-term option of bank lending, leasing available to all comers is distinguished by the simplicity of the service and the absence of hidden fees.
A little more than three years ago, at the beginning of 2011, the law of May 8, 2010 under No. 83-F3 was repealed, requiring the use of the right to lease exclusively for business purposes. This made it possible for ordinary people to take advantage of leasing.
It boils down to the following simple points:
- Choosing the right leasing company.
Requirements may differ in advance payment (from 0 to 30% of the original cost), leasing period (from 12 to 36 months), minimum and maximum cost of the car, type of vehicle (cars, trucks, buses, special equipment or), etc.
It is best to be patient, call several companies and choose the most suitable leasing company. And in the end, no one canceled the experience of friends, thematic forums where you can get good advice, and just word of mouth. - Preparation of documents.
The minimum package is the presence of a passport, driving license and application form of the established form. The leasing company has every right to require confirmation permanent residence, place of work, source of income, lack of loans and other necessary information. - Paying age.
Leasing can be used by persons who have reached the age of 21.
After submission of documents that can be sent by fax, e-mail or personally entrust the manager of the company, you should wait for an official answer. Employees of the leasing company consider the received application within 1-3 working days. If the request is approved, a leasing agreement is signed, after which the lessee is obliged to make an advance payment, conclude a motor insurance agreement and register the received vehicle.
After the above actions, an individual becomes the owner of the desired car, the process of obtaining which is formalized by a contract of sale.
- pretty affordable universal program for all segments of the population. The lessor provides an individual with a car for temporary use with a further right to transfer the car into the ownership of the borrower.
Intermediary companies
For those who do not want to do the preparation themselves required documents, exist specialized companies providing services in car leasing. Intermediary company consultants not only collect and prepare the required package of documents, but also contact the leasing company and, if necessary, visit the lessor's office.
There are certainly advantages:
- firstly, it saves the borrower's time;
- secondly, it is worth considering the following important point: intermediary companies have partners among leasing companies, insurance organizations and banks, which reduces the risk of rejection.
