Many companies need their own fleet of vehicles: this applies not only to taxi services or cargo transportation, almost any organization needs its own transport. Commercial cars are more expensive than ordinary cars, and not every company, especially a start-up, can immediately withdraw a large amount from circulation.
In this case, you have to look for borrowed funds in banks or resort to alternative solutions. One of them is leasing. It is important to decide what is more profitable: leasing or a loan for legal entities?
Basic conditions for leasing a car
Cars for leasing for legal entities provide specialized companies, sometimes this service is offered by large banking structures. Leasing is a type of property lease, which involves the further purchase of a vehicle into ownership.
It differs from a simple lease in that the leasing company specifically buys vehicles from the manufacturer for transfer to the lessee. Very often this is done by large car dealerships looking for new opportunities to sell products.
Leasing a car for legal entities for many reasons turns out to be more profitable than a loan purchase: many banks are ready to work only with organizations with a long history, a large down payment will be required, and a credit history will be checked.
The main difference between leasing is that the car becomes the property not after the first, but after the final payment, so in any case it becomes a guarantee of payments. If the contract is overdue, the lessor has the right to take own car and it does not require a court order.
However, leasing conditions for legal entities are more profitable. credit program and for several other reasons:
- Car leasing for legal entities accounting does not require additional costs. Since the car is not owned, it is not listed on the company's balance sheet and does not have to be taxed. If you buy several trucks at once, this is a very serious savings that can be used throughout the entire lease agreement.
- It is much easier for legal entities to get a car on lease than a credit car. Banks very seriously check the solvency of the company, raising financial statements for several years.
If a decline in profits is found, the loan will be refused, and it will not be possible to improve things by improving the fleet. Leasing is a less risky form of work, so the requirements for companies are lower.
- You can get a car this way much faster. After applying to the leasing company, it will take only a few days, and the car will be at the disposal of the lessee.
- This is an opportunity to get several vehicles for use at once with little expense and gradually pay for them. If the maximum possible loan amount in most banks is limited, the conditions of leasing companies allow you to conclude large transactions.
A leased car will immediately become a source of income, and from the increased profit it will be possible to gradually repay its cost. At the end of the term, the date of a symbolic redemption payment will be set, the contract states that after it the car becomes the property of the company with all rights and obligations.
During the leasing period, maintenance of the vehicle and its necessary repairs the owner, that is, the leasing company, must deal with it. This is an additional savings for the lessee.
The terms of car leasing for legal entities allow you to terminate the contract at any time. If the vehicle turns out to be defective, underpowered, or simply not suitable for work, the contract can be terminated and the car returned to the owner. At the same time, contributions already paid will not be refunded, as they are considered rent payments for using the car.
However, the leasing company itself can also terminate the contract very quickly if the client does not fulfill its payment obligations. The car will be arrested and returned to the owners. It is especially disappointing if problems with payments arise at the end of the term, when most of the money for the car has already been transferred to the company.
As a result, a car on lease for legal entities can be a profitable and inexpensive purchase, but you will need to calculate your capabilities in advance. Such a system is actively used in Western countries, where most of the commercial vehicles purchased on lease.
How is the contract drawn up?
To draw up a leasing agreement, you will need the company's constituent documents, most often you need financial statements and a manager's passport. The client contacts the leasing organization and orders a car. The sequence of the transaction:
- The lessee chooses a car in the showroom and pays the first installment to the company for it.
- The lessor purchases the car from the dealer, after which the contract is drawn up. It indicates the lease term, the amount of monthly payments, the responsibility of the parties and many other conditions.
- The car must be insured. The issue of insurance is solved in different ways: most often the recipient pays for it, but in some cases it remains the responsibility of the lessor.
- The machine is transferred to the use of the client. At the same time, he must guarantee careful handling of the car and timely maintenance.
- lessee within due date pays for the car. They consist of its value and rent that the company charges for its services.
- When the term comes to an end, the car is finally redeemed, and the data of the new owner fit into the title. The lease term can be up to 3-5 years.
If necessary, the lease agreement can be extended. Leaseholders usually do not mind extending the term, as in this case the amount of payments increases. The recipient has the opportunity to reduce the amount of payment with an increase in the term.
For any company, buying a vehicle is a capital and expensive investment. What is more profitable: to buy a car with your own money, to issue a loan or rent with an option to purchase?
In this article, we will talk about how to lease a car to a legal entity, on what conditions, we will analyze the pros and cons and features of taxation, and also consider individual products of leading companies.
What to choose from
Most often, LCs impose minimum requirements on their customers:
– the company must be “older” than six months;
- it has no losses in recent periods;
- it has sufficient equity capital;
— her credit history is perfect.
Today in Russia "simple and fast" leasing products are at the peak of popularity.
No advance payment
Typically, such programs are present in the line of manufacturers and official dealers. “With zero down payment”, as a rule, you can issue a specific make and model of the vehicle. If the recipient fails to meet the payment schedule, the car is confiscated from him and returned to the manufacturer.
With zero markup
The program provides that the total amount of payments is equal to the cost of the vehicle in the showroom. Such "generosity" on the part of the leasing company is easily explained.
First, how corporate client she can count on good discounts on cars from the dealer. And secondly, the installment plan is often financed by the manufacturer himself in order to "spur" sales.
As a result, everyone wins. The company receives its profit, a legal entity - a car in installments market price, dealer and manufacturer - high performance sales.
Without an assessment of the financial condition
Under such conditions, the purchase of cars / trucks and special equipment is usually offered. "Express leasing" provides for a number of restrictions (at least the new condition of the car and its low cost). Note that for such loyalty, the recipient of the service will “thank” the LC with high monthly payments.
pros
Firstly, the cash flow for such a transaction is lower than when buying for cash or on credit (less working capital is diverted from the company's budget).
Secondly, accounting and tax accounting is seriously simplified. After all, accounting for property and paying taxes usually fall on the leasing company. She also takes care of the registration of the vehicle in government agencies.
Thirdly, the payment can include any expenses for car maintenance (for example, insurance, tire fitting and maintenance).
And most importantly - the company receives tax savings!
In addition, the vehicle is reliably protected from arrest and claims of third parties: after all, according to the documents, it belongs to the LK. And also a "bonus" to the transaction of legal entities. face often gets set services: roadside assistance, 24/7 support and administration of insurance and warranty situations.
Minuses
Short lease term
For legal entities, as a rule, it is issued for a period of up to five years. Among the proposals for bank loans, you can find more "long" options.
Risk of property loss
If the recipient cannot cope with his payments under the contract, he instantly loses the right to use the vehicle. At the same time, the advance payment and the payments already made are completely “burned out”.
And if the bank at an early stage of delay simply accrues penalties and increased interest, then the LK will simply confiscate the vehicle and terminate the contract unilaterally.
Restrictions
In fact, for the entire period of leasing, the vehicle is owned by the company. For a legal entity, it's easy long term rental with the right to buy.
Hence a lot of restrictions: it is forbidden to rent a car or pledge, you can’t choose insurance company and service center.
In the event of an accident, theft or breakdown of a car, a legal entity is still obliged to make lease payments according to the schedule (until a court decision or until an insurance payment). Sometimes such “empty” payments stretch for six months or longer.
The nuances of taxation
VAT
VAT payment is distributed for the entire term of the contract with subsequent reimbursement from the budget. At the same time, tax on payments is refunded in full (as opposed to interest on bank loans). The entrepreneur receives the right to such compensation, even if the vehicle is on the balance sheet of the lessor.
Capital structure
Y does not increase the debt of the company and does not change the proportion between own and borrowed funds. Thanks to this, the company maintains a high financial stability in the eyes of investors and creditors.
income tax
Leasing payments are accounted for in accounting as "current expenses". They can be included in the cost of products or services and legally reduce the income tax base. The cost price can also include the depreciation accrued on the car and all additional commissions under the contract.
Offers of Russian companies
VTB
Financial lease is possible on passenger and freight transport, as well as buses, special equipment and self-propelled vehicles.
"Express-leasing" is issued in a few hours. You can take up to five vehicles worth up to 5 million rubles each.
Program " Ready solutions» invites a legal entity to improve one of the lease criteria to the detriment of others: advance payment, increase in price or amount of payment.
And under the terms of the product "Vehicles with mileage" you can temporarily take into use inexpensive car with mileage (not older than 3-4 years).
Sberbank
For legal entities, Sberbank Leasing has developed a special Express program with special conditions. You can issue cars, commercial and freight vehicles, as well as special equipment worth up to 24 million rubles.
The decision is made in nine hours, only six documents are used for analysis. The client can choose a vehicle at a good price from the list of Sber partners.
carcade
One of the most profitable options for Carcade is “Preferential” (with the participation of the state).
The rules of the program are simple: a legal entity of any form of ownership can take in a new vehicle Russian production in financial lease, with a 10% discount and zero appreciation. The advance payment will be 10-50%, the term is up to 5 years, the amount of the subsidy for one car is up to 500,000 rubles.
The contract is drawn up according to two documents and in just two days. CASCO, OSAGO and DGO insurance is obligatory (insurance can be included in leasing payments).
VEB
Here, almost everything is registered as a financial lease: from cars and industrial equipment to helicopters and ships.
Along with the standard programs in the company's lineup, there are additional "gingerbread".
For example, each client of the company receives a VEB fuel card as a gift, which is accepted for payment by more than 11,000 gas stations throughout Russia. Refueling with such a card, the client saves up to 25% on fuel (due to VAT refunds and discounts on gas stations).
Another useful service from VEB is called "Roadside Assistance". The minimum package includes emergency technical assistance, round-the-clock consultation and car evacuation in case of an accident or breakdown.
Different types of businesses work with logistics and local transportation, so a car is a must for entrepreneurs. The role of a representative person also does not allow you to waste time on tedious trips to public transport. Comfort and speed of movement for a reasonable fee is a consumer request for most private owners. You need to know the terms of car leasing for legal entities already at the time of the transaction.
The transport service as the basis of the supply chain for production must comply with such characteristics as: providing a documentary (legal) basis for the copyright holder. Simplified vehicle repair and maintenance procedures. Timely opportunity to apply to a leasing company in order to re-register and buy a car.
The article describes under what conditions an entrepreneur can lease a car for legal entities, and what needs to be done for this.
"Leasing" means the transfer of property for rent (temporary use), with the subsequent opportunity to buy (including free of charge) the object at the end of the contract. Simply put, the leasing procedure combines the option of renting and buying a car in one contract.
A similar service for individuals is provided with a lot of restrictions, and is less loyal to the consumer. In a business environment, the client's zone of influence is expanding, an individual payment plan is developed for profitability, and very profitable solutions are offered for legal entities.
The listed advantages of "car rental" for business have made leasing a streaming procedure, improved relationships between customers and companies. Experts talk about high reliability this procedure, therefore, the lease agreement is willingly concluded more often, in different areas of business.
what type of transport can be purchased
Leasing companies provide the right to receive any car for the stated purposes.
- Cars of any class. Foreign and domestic cars, complete, used or just from the factory - all the presented types of "cars" are available for taxis, small transportation and executive comfort.
- Trucks. professional trucks which is guaranteed to last a long time. This category includes heavy trucks and fuel trucks.
- Buses. Commercial transportation is impossible without a spacious car that is convenient for your business participants. Increasingly, new buses are leased with subsequent transfer to the property.
- Agricultural machinery. Private enterprises and farms work on special equipment for various purposes. High-quality, including imported, agricultural machinery at the initial stage of production is easier to buy on lease.
what requirements must be met
The leasing service primarily considers applications from legal entities with a good credit history. If the company has not previously had any debt, credit or other obligations, and its history cannot be verified, then bets are made on the following terms of car leasing for legal entities.
- At least six months of work from the date of registration.
- The operation of the company without losses. As a plus, the positive profitability of the enterprise.
- Equity with established capital.
The grounds for recognizing a legal entity as a client under a leasing agreement are simple. It is enough that the "Yurik" is suitable for the financial solvency of the organization.
Scheme of a financial transaction and its participants
Leasing stages briefly.
- Choosing a leasing company, studying the programs that the service provides. Study of the usefulness of the conditions for the consumer.
- Choosing a car is usually done with the lessor.
- Collection of documents.
- The client side signs an agreement drawn up by the company on general conditions. Perhaps the formation of an individual program.
- The legal entity makes an initial contribution.
- Transport is transferred to the possession of a legal entity.
- Execution of the contract by both parties until the expiration of the document.
It turns out that several parties appear in the case at once. There are only 4 participants in the leasing contract, namely:
- Lessor. Bank, leasing service.
- Lessee. In our case, "legal entity".
- Supplier(s). Distributor or car dealer.
- Insurance organization. Works with all risks under a ready-made contract.
At the end of the contract, the property can either be purchased by residual value, or again transferred to the possession of the center. In total, there are several leasing operations for commercial companies.
- Leasing car for legal entities with purchase return.
- Purchase under a lease.
- Operational leasing – renting a car for long term, with technical support from the leasing service, and other options.
- Individual financial programs.
Advantages and disadvantages of car leasing for legal entities
The implementation of the advantages of the contract is the best thing that can be done for a business with a “rented” car.
- Tax benefits. All VAT paid is returned to the owner.
- Accelerated depreciation. Possesses close by benefits, including reduced income tax. Applies to some executive cars.
- Leasing obligations are not reflected in the history of the company. Leasing does not overlap with credit debt.
- Services offer to buy a car on lease to legal entities on special offers.
- Flexibility of periodic payments according to the profitability of LLC (legal entities).
- Fast registration according to USN. The company does not need an application or pledge to provide services to a legal entity.
- As such, there are no restrictions on the type, year of manufacture or brand of the vehicle to be rented. Often the car can be replaced at the request of the client. There is an option to buy a car on lease for legal entities.
However, there are a number of disadvantages, and even problematic aspects for an unstable business.
- Registration of CASCO / OSAGO. Not all car owners decide to use CASCO, however, insurers in a deal with a legal entity sometimes occupy a more advantageous position.
- Operational and price risks. A car loses its usefulness over time, it is more difficult to sell it. For this, an overpayment is included in the leasing costs.
- Leased transport is not the property of the company. It cannot be sold, it is more difficult to make a profit from it outside of profitability.
- Pitfall - the car all this time "sags" in price.
Leasing for individual entrepreneurs
Individual entrepreneurs are formally defined as a separate category of persons wishing to lease a car. This is due to the lower income of the individual entrepreneur, the lower turnover of his business. Accordingly, the risks for the service increase, and the benefits of the offer for the client are often not reduced.
A frequent feature of the transaction between the center and the entrepreneur is the commission. It ranges from one to 5% of the cost of the car itself. Payments are made for about 3 years, taking into account annual, reaching 12%. The application is considered longer, up to 7 days. Often, a service for an individual entrepreneur is included in an individual work plan, while maintaining the entire meaning of the leasing agreement. The only difference is in financing, close to lending. Everything else favorably distinguishes an individual entrepreneur, for example, from an individual.
A step-by-step scheme for buying a car on lease for legal entities
If you familiarize yourself with the parameters of the transaction in advance, then there will be no problems until the expiration of the contract.
Choose a car, company and conditions
Focus on significant companies that comply with the terms of car leasing for legal entities that have been operating on the market for more than a year. If you need to get a car under a preferential program, or used, then it is better to find out the availability of such an option from a particular company in advance. It is advisable to find a company with an online calculator to calculate payments and fees. The study of forums, and compiled reviews, will allow you to get an idea about the company.
Required Documents
- Application of the client with a painting.
- Questionnaire for the procedure with the seal of LLC (organization).
- Passport of the head of the company (copy).
- Charter of a commercial organization (copy)
- Company financial report.
- Consent to the processing of confidential data.
- Certificates of placement on tax accounting(copy).
- Protocol on the appointment of the head (copy).
- Information about current bank accounts.
We draw up and sign a contract
After the legal entity and the leasing company have discussed the terms of the transaction, namely the payment schedule, the amount of payments and contributions, it is possible to conclude a final agreement. It takes very little time for the firm's legal department to travel directly to the client's office.
Making an initial payment
The amount of the first installment is from 5% to 15% of the total value of the transaction (you can find out the exact amount if you find a car leasing calculator for legal entities). Sometimes there is no advance payment at all, or it is a little more than half of the contract. After the legal entity has made the initial payment amount, all rights to use the car for commercial purposes are transferred to it.
We get a car
The car run by the user is registered with the traffic police and can be freely used. After receiving the "keys" safety and Maintenance transport become the responsibility of the recipient. Usually the leasing center assumes obligations, making it out as an additional service.
Leasing a car: an example of accounting
The property (car) can be listed on the balance sheet of one of the two parties - the lessor or the recipient. In the latter case, especially when the car is transferred to the balance of the enterprise, it is necessary to register the transfer as a separate operation (accounting for the cost of inventories or as a fixed asset).
Example: car leasing for legal entities and accounting. Input data (Leasing Calculator): the amount of leasing payments for the organization is 1,888,000 rubles. Calculation of payments for 3 years. There is VAT, which is 18%. The recipient pays a fixed amount each month. The remainder - the redemption value - will be 37,760 rubles, including VAT. At the end of a certain transaction, the amount for each category of transactions will be different, and recorded in accounting in the manner presented below.
complete table of car leasing accounting calculations
Leasing with state support - a list of cars
From March 1, 2015 to the present, the Ministry of the Russian Federation has been implementing a support program domestic auto industry, namely: the provision of cars for leasing (used too). Decree No. 1369-r dated June 29, 2017 extends the special offer “on the provision of subsidies for the implementation of preferential car loan and leasing programs.” You can use the program under the following terms and conditions.
- The client chooses a car only from the list of certain brands.
- Mandatory requirement - the car must be assembled in the Russian Federation. Both domestic and foreign.
- There are reduced, more favorable rates.
- Discount up to 10% of the cost of one car, but not more than 550,000 rubles.
- Refusal of leasing and return of transport does not affect the reputation of the customer in any way, does not entail additional obligations.
- Participate only leasing companies with the right to work state program(example: Europlan, VTB, Sberbank).
Leasing with state support 2017 list of cars (list):
- B class. Volkswagen Polo, Sandero, Hyundai, Nissan Auto, Chevrolet, Skoda Rapid, Aveo, Kia Rio, Solaris, Almera, Renault Logan
- C class. Skoda Octavia, Nissan Sentra, Tiida, Peugeot 408, Renault Megan Fluence.
Citroen C4, Kia Cee`d-Cerato, chevrolet cruze, Opel Astra, Volkswagen Jetta, Ford Focus, - D class. Ford Mondeo, Hyundai i40, Mazda 6, Kia Optima Opel Insignia.
- E class. Nissan Teana, Toyota Camry.
- Compact vans, minivans. Opel Meriva, Kia Soul, ChevroletOrlando, Kia Venga, Opel Zafira.
- Crossovers. Nissan Juke, Volkswagen Tiguan, Nissan Terrano, Ford Eco Sport, Skoda Yeti, Renault Duster, Kia Sportage.
Conclusion
Leasing companies provide a wide range of opportunities to start, develop and strengthen a business. Firms of various specializations prefer to take cheap cars for long-term use, including preferential programs. The abundance of offers in the car market allows you to choose worthy options that are suitable for commercial use.
Often legal entities need updating car park. However, working capital is not always enough to buy new cars.
Therefore, entrepreneurs often take a car on credit, but lose due to the accrued interest, especially if a truck is taken on credit. The way out in this situation is to purchase a car on lease.
What it is
Vehicle leasing - financial car rental, has gained popularity recently - car leasing appeared in 1954. Essence of leasing road transport is the likelihood of a phased purchase of vehicles in the property.
In this case, the leasing recipient can immediately use the vehicle.
How to issue
Leasing agreement is often signed to buy special equipment or trucks, as well as for the purchase of new buses. Leasing, unlike car lending, does not imply a pledge and resale of a car in a situation of non-payment, since any car remains in the possession of a leasing organization anyway.
If it becomes necessary to lease a vehicle to upgrade or expand the fleet, the entrepreneur determines the type and brand of the car being bought and submits papers to the leasing organization. It is necessary to prove that the business is developing, and the entrepreneur is a paying client.
The application is considered for several days, after which the leasing organization itself acquires required vehicle. After the organization confirms the application, you must come to its office and sign an agreement on car rental with or without the right to repurchase.
Where to buy?
So far, the main players in the regional markets are such organizations as UralSib, Rosagroleasing, RG Leasing, Raffeisen Leasing, Avangard Leasing, Baltic Leasing, Interleasing, VTB Leasing . From regional leasing organizations, you can look at the Siberian Leasing Company, the Siberian Leasing Center, and the Delta Leasing organization.
Despite the many players, the leasing market commercial transport and special equipment is still very capacious. Demand is limited only by the solvency of potential leasing recipients.
Under such circumstances, the emergence of a commercial risk insurance market will lead to an explosion in the leasing market, especially in certain areas.
Companies that provide vehicles for leasing
| Company | Description |
| UralSib | Russian commercial banking organization. It is one of the thirty largest banks in the country. The main activities are retail, corporate and investment banking business. |
| Rosagroleasing | Russian leasing organization in the form of a company of shareholders with state participation in the initial capital. The main activity is the financial lease of supplies and equipment to entities that operate in the field of the agro-industrial complex and its regions. |
| RG Leasing | A subsidiary of the Savings Bank, the main source of financing is loans from the Savings Bank. |
| Raffeisen - leasing | A leasing company that provides services to individuals. and legal persons in the following areas: motor transport, agricultural machinery, technological supply. |
| Vanguard Leasing | A leasing company that rents cars, office and industrial supplies, real estate, etc. |
| Baltic Leasing | A leasing company that provides leasing of trucks and cars, equipment, special vehicles. |
| interleasing | A leasing company that leases cars and trucks. The company has established itself as a reliable business partner. |
| VTB Leasing | A universal leasing organization that provides on terms financial leasing different type objects. You can lease cars and trucks, as well as special equipment on favorable terms. |
Video: Why is it profitable
Terms of car leasing for legal entities
Car leasing for legal entities, the conditions are as follows: the amount of the advance varies from 20 to 30 percent for a typical transaction, the increase in the cost of leasing is 10-12% for typical projects and 8-9% in rubles for large projects and equipment from foreign manufacturers. Typically, a leasing agreement is concluded for a period of 2 to 3 years, but there are offers up to 7 years.
Usually, the price of leasing includes related transaction costs, such as insurance, delivery, registration with the traffic police.
Some leasing organizations include in the price of the leasing agreement the costs of technical service, inspection, repair and other costs at the request of the client.
The conditions of leasing are strongly influenced by the financial stability of the client, the forecasts of his business, the amount of the transaction, the quality and liquidity in the market of the purchased transport.
Conditions
Required documents
The usual number of papers for registration of transport in leasing includes such documents:
- Passport of the client and its photocopies. Sometimes a husband-wife passport is requested if the client is married.
- Photocopies of papers that confirm the registration of the entrepreneur and his entry into the register of legal entities. persons.
- A photocopy of the tax UTII for the last reporting period.
- Driver's license required to obtain a power of attorney for a car.
- Plan of income and expenses quarterly for the next reporting period.
- Certificate of entrepreneurial income, drawn up in any form.
- Sometimes you need a notarized consent of the husband-wife to receive the vehicle on lease.
Such big row papers are not always requested. There are organizations that offer leasing only with a passport and driver's license, but the rate for the use and redemption of vehicles in them will be higher.
To purchase a lease from a reputable organization, it is necessary that all the necessary papers are in order, and that there are no unnecessary questions regarding the payment of taxes.
At the same time, the history of lending will not be checked, because leasing organizations are not always banking institutions. Leasing for individual entrepreneurs without employees is possible if the organization is officially registered.
Requirements for the lessee
In that situation, if the recipient of the lease is a legal entity. person, he must work for at least a year. The leasing recipient is obliged to have a license to operate and to have sufficient revenue for leasing payments. At legal individuals must be free of tax and budget debts.
If the lessee does not comply with these requests, another legal entity may act as a guarantor. Requests to him are the same as requests to legal entities. persons who sign a leasing agreement.
Requirements for the recipient of the lease
To transport
In financial companies, you can lease new and used cars. But for used cars there are some restrictions.
It must be serviceable and not older than a certain age. Companies usually do not lease vehicles older than 3-5 years. The period may vary by manufacturer. You can lease large and small models of automotive equipment.
Vehicle inquiries
Timing
The larger the first payment, the Better conditions offered by the leasing company, the less the leasing payment will be in the following periods. Typically, financial institutions offer to invest from 20 percent of the price of a vehicle.
Leasing agreements are long-term. The finance lease period ranges from 3 to 5 years.
Make a deal
To start cooperation with a leasing company, jur. a person writes an application, which can be found on the website of the organization. The expert of the company contacts by phone and invites to sign the agreement in the department. The requested papers are attached to the application.
The decision is made within seven days. After the application is confirmed, the transport is given to the lessee and a sale and purchase agreement is written. Depending on the circumstances of the agreement, the tenant or the landlord registers the transport, signs the insurance agreement.
Advantages and disadvantages
Car leasing, like other financial transactions, has positive and negative aspects.
Advantages of vehicle leasing:
- For registration of this kind of transaction does not require a lot of documents.
- The lessee does not worry about car service. He also receives insurance support.
- Legal entities have benefits for payments to the tax service.
- It is not always necessary to overpay for a car.
- There are several options for overpaying for transportation.
- There are several ways to end a deal.
Cons of leasing:
- The car is owned by a leasing company. There is a possibility that if the lease is not paid, the car will be taken away from you without returning the previous payments. Or fines may apply.
- You can lose the transport and paid funds.
- The lessee cannot perform any actions without the confirmation of the lessor.
Legal entities can simply buy cars of different models on lease. There are a lot of offers on the market. But before you buy vehicles on lease to upgrade or expand your fleet, you should analyze various options so as not to waste a lot of money.
Reading time: 7 minutes
For any company looking to expand its business, a car or truck is a business necessity. You can buy a car or rent a car, but both options will require significant cash outlays. Against this background, the terms of car leasing for legal entities look more attractive. This service appeared on domestic market relatively recently, but has already become popular in many regions of the Russian Federation.
What is leasing
A short answer to the question of what is car leasing can be as follows: it is the provision of a vehicle for temporary use without additional collateral on a paid basis. At the same time, the guarantee of a successful transaction is the car.
What is operating lease
An operating leasing agreement provides for the transfer of a vehicle to the lessee for a period shorter than the vehicle's depreciation period. This scheme allows companies to regularly update their fleet. One more plus can be singled out: operating car leasing frees customers from the need to solve problems related to the maintenance and repair of vehicles. All this is the responsibility of the lessor. This topic will be covered in more detail below.
Buying a used car is a decision that requires a careful and serious approach. Not all sellers indicate complete and reliable information on the car, which in the end can lead a new buyer of the vehicle to negative consequences: you will have to run around the courts or invest in repairs. To prevent this from happening, we recommend checking the vehicle for theft, liens, accidents, etc.
It is worth noting the following benefits operating lease:
- No need to raise borrowed capital.
- If we consider the question of whether car leasing is beneficial for legal entities in terms of the possibility of distributing financial flows, the answer to it is unambiguously affirmative. An operating lease allows a firm to focus on its core business.
- Payments allocated for the purchase and further maintenance of vehicles are distributed evenly over the entire term of the concluded operating lease agreement.
- Simplifies the process of budgeting for the next planning period. The reason is that the amount of payments does not change during the term of the operating lease agreement.
Used vehicle leasing
Requirements for lessees
Legal entities that meet the following requirements can take a car on lease:
- activities must be carried out for at least six months. However, many lessors require this figure to exceed 12 months;
- sufficient amount of own funds;
- the organization must demonstrate financial stability and not have debts, especially losses.
Currently, there are leasing companies in our country that finance transactions in the start-up segment for small businesses - when a company introduces a new line of work or is just starting to operate. IN this case to lease a truck or a car only those institutions whose management has accumulated sufficient experience in a particular business area will be able to.
Europlan
Europlan is an independent leasing company. The high quality of its services and significant contribution to the development of this area of financial activity is evidenced by the fact that this organization has repeatedly been recognized as the best car leasing company in Russia under the terms of such international awards as Acquisition International, Global Banking & Finance Review Awards, etc. 72 Europlan offices. The main parameters of the company's leasing products are presented in the following table:
| Program name | Leasing period, years | The cost of the car, thousand rubles | Prepaid expense, % |
|---|---|---|---|
| Operational leasing | 1-5 | 500 - 15000 | 0-49 |
| Cars for sale | 1-3 | 500 - 15000 | 15-49 |
| Commercial and cargo vehicles | 1-5 | 500-15000 | 15-49 |
| Cars | 1-5 | 500-15000 | 5-49 |
| Taxi leasing | 1-3 | 500-15000
The procedure for registering a leasing car by a legal entity
Leased car by a legal entity produced in the traffic police department at the place of registration of the lessee enterprise. An application must be attached to the package of papers. It is drawn up on a standard form, but this document should have a mark from the military registration and enlistment office on the military registration of the leased vehicle. In addition, the traffic police will require a certificate of car booking. Then the car is delivered to the site of the State traffic inspectorate for technical inspection. On the same day, the legal entity receives a title, insurance policies and, as well as two license plates. This completes the registration of the leased vehicle. ConclusionSumming up, let's briefly name the pros and cons of leasing a car by a legal entity. The main advantages of such a deal are as follows:
The main disadvantages of experts include:
Why is it profitable to lease a car to a legal entity: Video
Specialist in lending to individuals and representatives of small and medium-sized businesses. Over 15 years of experience in the banking sector. Important! About 27% of car sellers twist the mileage, and 70% do not indicate that the car has been in an accident or is in collateral. For a successful purchase, be sure to check the history of the car. You can do this quickly and cheaply through the proven Autocode service. |
Usually, the lessor willingly registers a rented vehicle with the traffic police. However, agreements are often signed that stipulate that registration is carried out by the lessee company. In this case 
