Conditions for purchasing a car on lease for legal entities. Car leasing for legal entities and individual entrepreneurs: terms of purchase, calculation using a calculator and reviews

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Legal entities, to one degree or another, need to update their vehicle fleet. There is not always enough working capital to purchase new cars, and purchasing on credit significantly increases the cost of the vehicle. An alternative solution could be car leasing for legal entities.

What is leasing

Leasing means investing funds through the transfer of property for use for a specified period. This scheme allows industrial, commercial, transport and other enterprises - lessees (tenants) to purchase various vehicles from lessors (lessors). A certain rent is payable for long-term use. Lessees can be various entities, including individuals and legal entities.

What is it - car leasing for legal entities? Long-term car rental is, in fact, a kind of rental or, one might say, a phased purchase of a vehicle.

A legal entity uses a vehicle and gradually pays a fee, which is eventually taken into account when re-registering ownership of the vehicle.

The answer to the question of what car leasing is for legal entities requires an explanation of the relationship scheme. It is a hybrid form created from a loan and a lease.

There are three parties involved in the entire process: the lessor, the lessee and the vehicle supplier.

Leasing a car for legal entities is often more profitable than resorting to a loan or regular lease: leasing interest rates put less strain on the company’s budget.

Purchase on lease

Before leasing a car, legal entities need to decide on the type and brand of the car they are purchasing. These can be new passenger cars (up to executive vehicles), used cars, trucks, buses, special equipment and construction vehicles. Leasing schemes for legal entities ensure the implementation of the company’s most ambitious plans.

Legal entities

To increase the chances of buying a car through leasing, lessees will have to prove their own solvency. Indicators of positive dynamic business development will contribute to a successful transaction. At various stages the following forms of documents may be needed:

• business plan;
• lessee identification form;
• information about active operations;
• report (form No. 2) on the financial activities of the enterprise;
• letter of guarantee;
• bank certificates about servicing the enterprise;
• certificate of beneficiaries;
• balance sheet (form No. 1).

Applications for car leasing for legal entities can be submitted online or in writing. As a rule, the period for reviewing applications from legal entities is 5–7 days, after which, if the decision is positive, the leasing organization purchases the required car. Some lessors make a final decision a month after the application is submitted. The terms and procedure for completing applications for car leasing for individuals can be viewed.


For individual entrepreneurs

Leasing for individual entrepreneurs has significant specific characteristics. The solvency requirements of an individual entrepreneur for leasing a car are lower than for issuing a loan. Lessors, as a rule, do not require a credit history.

In leasing for individual entrepreneurs, the range of choice of cargo vehicles and special equipment expands noticeably. It is advisable to include the required vehicle equipment and additional services in your application.

The machine must be selected in maximum accordance with the requests and needs of the company. To do this, you can use the catalog provided by the lessor. Other features on the topic “Car leasing for individual entrepreneurs” are covered in a separate section.

Conditions of leasing schemes

Having collected information on how to buy a car on lease for legal entities, you can begin choosing reliable lessors. To do this, they pay attention to the reputation of the leasing organization, make inquiries, find out customer reviews, and are interested in experience in the market. Do not waste time on preliminary study. It will help you avoid entering into a transaction with an unreliable company.

It is advisable that the leasing conditions for legal entities for a car be drawn up by a specialist in financial or legal matters. Such an expert will pay due attention to all the nuances in the execution of the contract and will defend the most favorable conditions for the enterprise.

Important points of the leasing contract include:

• the amount of the advance (primary payment), it can vary from 0–49%;
• determination of the monthly payment amount;
• drawing up a payment schedule;
• requirements for payment of residual value or return of property.

The size of the down payment in widespread practice is 20–30% of the price of the vehicle. The advance demonstrates the client’s solvency and guarantees regular payments under the leasing agreement.

An attractive option is car leasing for legal entities without a down payment. Typically, the terms of such a transaction imply an impeccable credit history of the client, a positive history of relations with the lessor, and sometimes the involvement of a guarantor.

The duration of leasing agreements ranges from 3–7 years. After the expiration of the contract, the legal entity is obliged to pay the residual value of the vehicle. Only after this the car becomes his property. Therefore, in the leasing process it is necessary to take into account the lack of a stable situation in the foreign exchange market in order to profitably buy a car on lease for legal entities. Do not forget that after the expiration of the leasing agreement, a legal entity can refuse to repurchase the car without financial losses.


Operational leasing

Currently, the operational type of leasing is gaining popularity. An increasing number of legal entities are turning to him. We can say that operational leasing of cars for legal entities is not much different from leasing. According to the terms of the operating agreement, the lessee does not assume the purchase of the vehicle. After the expiration of the service life stipulated by the contract, the car is returned to the leasing organization.

The rental duration should not exceed the depreciation period for using the machine. Mostly, the terms of operating leasing do not exceed 3 years.

Used vehicles

What are the advantages of leasing

Let's consider whether leasing a car is beneficial for legal entities. In discussing this issue, we will not dwell in detail on the financial and legal nuances in various forms of property relations. It is worth noting that leasing companies provide lower interest rates compared to bank loans.

The main difference: by applying for a loan from a bank, the client immediately receives ownership of the vehicle. How else is car leasing different from a loan, you can find out.

Let's analyze the main pros and cons of purchasing a car on lease for legal entities.

Obvious benefits for the lessee:

• the problems of searching and supplying automotive equipment are shifted to lessors;
• leasing companies bear many associated costs (VAT, insurance, contributions to the Pension Fund); accordingly, the accounting department of a legal entity is freed from a significant part of the work;
• vehicles are not listed on the lessee’s balance sheet, therefore such property is not subject to taxation;
• passenger, passenger or cargo leasing vehicles already bring profit to the enterprise during the period of payments under the contract;
• the residual value of the car decreases faster (accelerated depreciation), and after the vehicle is transferred to the balance sheet of a legal entity, it pays much less property tax;
• the benefit of a leased car increases with its active use; it is advisable to use such cars with maximum loads and minimal downtime; With intensive use, the mechanisms and assemblies of the car wear out quite quickly, and if the car cannot withstand the given rhythm of operation and becomes unusable, you can refuse to buy it back.

The benefits of car leasing are confirmed by global trends: in the USA, 45% of industrial capital is leased. In Japan and Germany, respectively – 33 and 18%. Every third Ford car is sold through leasing schemes. 4 million of these cars are built every year.

Leasing a passenger car for legal entities ensures quick sale of transport. At the same time, the state gets the opportunity to create preferences for its own automaker, offering favorable conditions for the purchase of domestically produced vehicles.

The main disadvantage for the lessee is the minimal rights to the purchased equipment. If for some reason a legal entity is unable to pay the required amount on time, the lessor has the right to initiate the return of the vehicle transferred under the contract. In such situations, previously paid funds are not returned to the lessee, and expenses are not compensated.

Advantages and disadvantages of leasing: Video

Specialist in lending to individuals and small and medium-sized businesses. Experience in the banking sector – more than 15 years.

What is car leasing in simple words? Welcome!

I told my friend so many times that he shouldn’t get married after a month of dating. I didn’t listen and got married.

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

They started to divide the car, but that was not the case. It was not purchased on credit, but on lease.

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

What does Leasing mean? In the car market, you can often hear that a car was purchased from the seller not under a regular sales and purchase agreement, but on lease.

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

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

Warning!

If you need to buy a car or other equipment, for example, an excavator, but do not have the full amount of money, then a leasing agreement will be a convenient option. Using this service, you can buy not only a vehicle, but also various expensive equipment.

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

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

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

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

Leasing scheme

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

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

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

Attention!

In most cases, individuals and small businesses primarily use only the first two types of leasing for cars.

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

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

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

1. all issues of searching and supplying automotive equipment are handled by the leasing company;
2. the property is not on the balance sheet of a legal entity, therefore there is no need to pay property tax for it;
3. leasing payments include all associated expenses - VAT, pension fund, insurance, etc., that is, less paperwork falls on the shoulders of the accounting department;
4. accelerated depreciation - the residual value of the vehicle decreases faster, and when it is completely transferred to the balance of the lessee, it will have to pay significantly less property tax.

The list of positive aspects could go on for a long time. The most interesting thing is that the state is also interested in such a scheme, since there is a quick sale of products, while it is possible to create preferences for domestic manufacturers by offering more favorable conditions for the purchase of locally produced cars and equipment.

There are, however, also negative aspects, the most important of which is that the lessee has a minimum of rights to the equipment he purchased, and if for some reason he is unable to pay the required amounts on time, then the leasing company has the opportunity to return the property transferred under the contract without compensating for any expenses - that is, all funds paid earlier are not returned.

Leasing for individuals

An ordinary person can also buy a car and arrange it under a leasing agreement. Let’s say right away that this method will be beneficial when purchasing very expensive foreign cars.

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

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

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

1. mandatory confirmation of solvency - a corresponding certificate from the employer;
2. provision of documents - passport, tax number, driver's license or any other document to confirm identity, consent of spouse, guarantors;
3. down payment - 10-20 percent.

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

Advice!

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

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

source: http://avtopravilo.ru/

How to buy a car on lease for individuals

buy a car on lease for individuals What is leasing in simple words? This word hides a long-term lease agreement for a car, with a subsequent possible right to purchase it.

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

The process of acquiring any property under leasing agreements on the territory of the Russian Federation is regulated by the legal act “Federal Law No. 194”.

The act itself appeared in 1998 and related to the field of activity of enterprises - legal entities. In 2010, changes were made to the law to make it possible for individuals to lease a car. In addition to the car, they can now lease any movable and immovable property.

How does leasing work for individuals?

Drawing up a leasing agreement is possible for any private person. Leasing terms:

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

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

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

What is better - taking out a loan or leasing a car?

leasing for a car The contractual relations of car leasing and car loans are partly similar. In both situations, there is a down payment and a schedule of cash payments according to the plan.

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

Warning!

When concluding leasing agreements, the equipment remains the property of the company. According to the terms of the leasing agreement, the car changes ownership upon expiration of the document.

Registration of a car under leasing can be done in two options:

• Leasing with transferable ownership of a car.
• Leasing without transfer of ownership.

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

To compare all the possibilities for an individual to purchase a car on credit or lease, we will give a practical example.

1. Car on credit:

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

2. Car lease with transfer of ownership rights:

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

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

Car leasing without down payment for individuals

In addition to the options described above, there is also the possibility of purchasing a vehicle on lease without a down payment for individuals.

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

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

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

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

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

In addition, the organization providing equipment on lease, in the event of any malfunctions, carries out all maintenance work at its own expense. By providing an equivalent car in return, either for the time necessary to troubleshoot problems, or completely as the subject of a contract.

To buy a car on lease, an individual just needs to follow a few simple rules:

• Select a leasing company.
• Collect the necessary package of documents.
• Decide on the make of the car and its condition (new or used).
• Get acquainted with the package of offers of the leasing company either on the organization’s Internet resource or in the company’s office.
• Submit an application.

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

source: http://youandcredit.ru/

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

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

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

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

Leasing is a financial operation, named from the English. “to lease”, which can literally be translated as “renting out”. However, in essence, leasing is another type of lending that only includes rent as an element of the contract.

Attention!

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

The lessee can obtain for use almost any vehicle available on the market - passenger cars, trucks, special purpose vehicles, and so on. It also doesn’t matter whether the car is new or used, whereas car loans almost always deal with new cars.

An individual or a company that decides to lease a car simply receives it for rent.

The owner of the equipment remains the leasing organization, but after paying a certain amount under the contract, the car can be purchased at its residual value, taking over full ownership. Essentially, by making monthly payments, you are simply leasing the car and not owning it.

Psychologically, this can be depressing for an ordinary car enthusiast, but this is perhaps the only disadvantage of this approach. Since the lessee is not the owner of the car, the organization that provided the leasing risks practically nothing.

Warning!

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

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

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

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

For an organization, leasing is an opportunity to painlessly renew its fixed assets. In this case, it is possible to introduce new equipment into your vehicle fleet with a minimal reduction in working capital.

There is no need to pay 100% of the cost of the equipment, nor do you need to pay large credit bills. Leasing allows an enterprise to save significantly on taxes - property tax is paid by the lessor, and motor vehicle tax is already paid by the lessee; profit tax is reduced, since leasing payments are considered expenses.

Leasing allows a company to get any car, and also allows it to be replaced with another if the need for it is no longer necessary. In addition, the contract has the opportunity to stipulate even the schedule and amount of monthly payments, depending on the seasonal profit of the enterprise.

source: http://autogrep.ru/

What is the difference between leasing and renting

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

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

Lease is a general name for a type of legal relationship. Leasing is a type of rental with its own differences and limitations. (Like, for example, cars are a general category, and cars are a variation of this general category).

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

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

Advice!

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

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

Classic example of leasing

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

1. You select the necessary equipment, agree with the seller on all its characteristics and price, and contact the leasing company.
2. You enter into a leasing agreement and pay an advance of 20% of the cost of the equipment. You put the equipment into operation and start producing products. Pay monthly lease payments.
3. Your customers are happy that they receive orders on time. You are happy that the equipment earns you additional profit.
4. After the lease ends, you receive ownership of the equipment.

This is, of course, a very simplified diagram. We will cover all the stages and questions in more detail below. So ask questions! Good luck to your business! And leasing helps!

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

What is leasing? In simple words about the main thing

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

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

Alternative to credit - what's the point?

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

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

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

Simply put, leasing is a rental agreement with the possibility of phased acquisition of goods.

What then is the difference between a regular lease and a financial lease? Regular rental of property involves temporary use for a set fee. Financial leasing (translated from English the word “leasing” means rent) implies the final transfer of ownership at the end of the term.

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

The similarity of the options is obvious - the down payment, the interest rate, and the need to make monthly payments. The key difference is that when lending, the property immediately becomes the property of the borrower, while simultaneously acting as a guarantor (collateral) for the execution of the transaction.

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

Warning!

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

But over the past year, there has been a tendency towards the development of the retail business to work with ordinary citizens. From the client’s point of view, this product is also beneficial because leasing covers vehicles from different manufacturers, and you can choose any car at the official dealership.

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

Where should you apply for car leasing?

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

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

Leasing programs are presented:

1. In banks - in this case, seized cars are also sold.
2. Car dealerships have the advantage of providing good discounts on leasing programs.

To get acquainted with the detailed terms of car leasing, it is better to contact the financial institution directly. The main thing you need to know is a simplified transaction procedure, the possibility of purchasing vehicles costing from 400,000 to 6,000,000 rubles, for a period of 1 to 4 years. Leasing is the most profitable for purchasing expensive property.

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

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

Once a financial institution has been selected, you will need to fill out a standard package of documents. If approved and a decision is made to sign the contract, the desired car is transferred to the use of the lessee.

Remember important details

1. The car enthusiast becomes the user, but not the owner of the car.
2. Lease payments are usually tied to the dollar exchange rate (according to the terms of the contract).
3. How and where to carry out insurance, repairs and maintenance is determined by the owner of the car, and the lessor pays the costs in the amount of lease payments.
4. The vehicle must not be tuned, damaged or significantly modified.

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

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

Good day, dear readers of the financial magazine “site”! The article presented to your attention is dedicated to car leasing . We'll talk about car leasing for individuals(private buyers), and we will also tell you in detail about the conditions for purchasing a car on lease for legal entities(commercial and non-profit organizations).

From the article you will learn:

• What is car leasing in simple words;
• What features does car leasing have, what are its advantages over a car loan?
• How to buy a car on lease for an individual or legal entity (step by step instructions) ;
• Basic programs of leasing operations;
• How to choose the right lessor;
• Which companies are the largest in the leasing market.

In addition, at the end of the article there are answers to frequently asked questions.

If you fall into this category or are simply interested in the concept of leasing, read the article now!

What is car leasing, what are the advantages and features of car leasing, what are the conditions and requirements for individuals and legal entities, as well as how to profitably lease/buy a car - this and more... will be discussed in this issue

A large number of people dream of buying a car. But not everyone has the means to do this. Some even believe that this may not be profitable. Therefore, before making a purchase, future car owners evaluate and compare all options available on the market for purchase – car loan or deposit cash immediately. Also in some cases you can use the services car rental.

Not long ago, another way to buy a car appeared, which is called leasing . This option can be used by almost everyone - companies as well as private clients. Let's try to figure it out.

Definition:

Leasing represents a long-term lease of any property with the possibility of purchasing it in the future. That is, at the end of the contract, the person who received the lease has the right to take back the subject of the agreement.

In principle, any property can be leased. But most often long-term finance lease is used when purchasing all types of cars , starting with cars and ending with heavy trucks. Leasing is ideal for purchasing expensive specialized equipment.

Organizations most often use finance leases to expand the number of vehicles that make up their fleet. Individuals can purchase a vehicle for personal transportation on a long-term lease; they often use the purchased cars for work. At the same time, companies providing leasing services consistently have considerable profits.

The main advantages of leasing for lessors and lessees

It may be noted that leasing– a unique economic category. It is beneficial for both parties to the transaction. There are many advantages financial lease.

Lessors believe that selling cars on lease involves minimal risks.

This is due to the following objective reasons:

1. Cars are highly liquid assets. In other words, if necessary, it can be quickly sold on the secondary market.
2. During the term of the financial lease agreement, the car remains the property of the lessor. That is why, in case of problems with payments, the company will not need to go to court and wait for its decision to return the car.
3. Vehicles leased must undergo state registration. Therefore, the leasing company can find out where the car is at any time.

All of the above reasons lead to the fact that among companies engaged in financial leasing, it is car leasing . Moreover, a number of lessors provide only this type of property.

Contrary to popular belief, not only companies that provide cars for financial lease, but also those who take them receive a huge number of benefits.

Among them are the following:

• Payment of money for the car is carried out in installments in the amount and terms specified in the contract;
• The lessee can use the car immediately after concluding the transaction and paying if a down payment is required;
• Usually, when concluding a transaction, the client is provided with individual conditions. He can discuss with the leasing company a convenient payment option;
• at the end of the contract, the client himself decides to pick up the car for him, paying the required amount or refuse it;
• when concluding a leasing agreement, legal entities are provided with tax benefits;
• Leasing a car is usually much easier than buying it on credit. Leasing companies do not need collateral or guarantors, they do not require you to collect a huge package of documents;
• The car is issued for financial lease fast enough. Many companies agree to sign an agreement within one day from the moment the client comes to them.

Thus, car leasing As a type of financial lease, it is beneficial for both the lessor and the lessee. This is why financial car rental is becoming increasingly popular.

However, Russia has not yet achieved the same level of popularity as in Europe. In European countries, leased each third car.

Russian consumers are poorly informed about the features of leasing. In addition, car enthusiasts in our country are wary of a new financial service that is unfamiliar to them. However, slowly but surely the share of those who bought a car on lease in Russia is growing.

The number of people who appreciate the benefits and advantages of financial leasing and prefer it to purchasing on credit and in cash is gradually increasing.

Car leasing for individuals individuals - what is it, what are the pros (+) and cons (-), what is more profitable - a loan or car leasing for a private buyer + stages of a leasing transaction

2. Car leasing for individuals - features and advantages + step-by-step instructions for car buyers on lease 📝🚗

Car leasing has appeared relatively recently, so not all individuals are aware of its features.

2.1. What is car leasing for individuals - an overview of the concept in simple words + types of car leasing

Until recently, there were only two main ways to get a car for use: to rent or buy. In the latter case, two calculation options are possible: cash And in installments.

Recently, another method has appeared that combines rent and purchase – this is car leasing . Its popularity is growing steadily.

Car leasing is a special type of lease. In this case, the car is not simply transferred for use for a while. At the end of the lease term, the lessee there is a possibility take ownership of the car. This is important a distinctive feature of such a financial concept as leasing.

Just like when renting, a car when leasing does not belong to the person who uses it. Therefore, the car cannot be sold, transferred to another person or given as a gift.

However, the lessee is obliged to ensure that the car remains in good condition, register for it, change wheels on time, regularly undergo technical inspections, and refuel.

Just like when buying on credit, in the case of leasing a car, the payment for it is paid in installments. This is how these types of purchases differ from buying for cash, when payment is made at a time.

However, there is a significant difference between leasing and credit: in the second case, the purchaser immediately becomes the owner of the car, in the first - only after the expiration of the contract.

Despite the fact that leasing often turns out to be more profitable for an individual than a loan, it is still used quite rarely. This especially applies to the domestic automobile market.

Types (types) of car leasing - 2 main

There are two main types of car leasing:

1. With the transfer of ownership. In this case, the lessee is obliged to buy the car after the end of the financial lease. Moreover, despite the fact that the payment for leasing may be less than for a loan, the total cost is approximately the same.
2. No transfer of ownership. In this case, after the end of the contract, the buyer returns the car to the leasing company. This option is an ideal solution for those who want to temporarily use a status car. When using such a scheme, the lessee can easily exchange the car for a newer one in a couple of years, when the contract expires, without thinking about it. Thus, when leasing without purchase, this service is akin to renting for a long time.

2.2. Advantages and disadvantages of leasing for individuals - calculations of which is more profitable: car loan or leasing + visual table

When trying to determine what exactly - leasing or credit is more profitable for a private buyer, you should understand what the similarities And differences these financial instruments.

Leasing and credit: differences

Main difference is that when leasing The leasing company remains the owner of the car until the end of the contract. In case of registration loan ownership transfers immediately, the car is simply kept as collateral by the bank.

It turns out that the lessor risks much less than the lender. Therefore, when buying a car on lease, the requirements for an individual are less stringent.

It is the peculiarities of the transfer of ownership that explain the low popularity of leasing. Many potential buyers are afraid that the lessor can return the car at any time if there are late payments or other force majeure situations.

Some are captivated by the fact that in the case of leasing, payments are usually lower than with a loan. But they do not take into account that the contract most often stipulates the so-called residual value . It must be paid to the lessor after the end of the contract. Only in this case the car becomes the property of the lessee. Also, the size of payments may depend on the size of the down payment.

It turns out that when leasing, the buyer often pays less monthly. In this case, large amounts are paid at the beginning and end of the contract period. Traditionally this period varies from 1 of the year before 5 years.

Main advantages (+) of car leasing

Thus, we can distinguish a series benefits purchasing a car on lease:

1. the payment schedule can be selected based on the real capabilities of the buyer;
2. Fewer documents are required to complete a transaction;
3. the application is processed much faster than for a loan;
4. no collateral or guarantors are needed;
5. the buyer himself decides whether to register the car as his own or return it to the leasing company;
6. lower payments made every month than with a bank loan.

Financial leasing allows car owners to get rid of a large number of problems and save a lot of time. This advantage is especially important when conducting business by individuals (that is, as an individual entrepreneur (individual entrepreneur) - we already talked about in the previous article).

The main disadvantages (— ) of car leasing

Despite the fairly large number of advantages, leasing has a number of shortcomings:

• the car belongs to the lessor until the end of the contract, so even with small delays, the leasing company can pick up the car from its client;
• individuals do not have any tax benefits for leasing transactions;
• The lessee cannot sublease the car.

It should be understood that there is no clear answer to the question of what is more profitable - a loan or leasing. Calculations should be made in each specific case and based on the goals that the buyer sets for himself.

We can definitely say, What financial lease (leasing) more profitable in cases where after the end of the contract the car owner plans to return the car. In this case, he can easily buy a new car without thinking about selling the old one.

Comparison table: “The difference between leasing and car loans for individuals”

It is best to compare a car loan with leasing by including all their features in the table.

Sign	Bank loan for a car	Buying a car on lease
Subject of the agreement	Both new and used cars	New passenger cars, usually foreign
Contract term in years	1-5	1-3
An initial fee	Minimum 15%	0-49%
Required documents	Full set If it is possible to complete a transaction with fewer documents, the buyer’s costs increase significantly	Passport and driver's license
Required insurances	OSAGO and CASCO	Compulsory motor liability insurance is required at the discretion of the buyer, but if it is not available, the contract price increases
Transfer of ownership	Immediately, the car is pledged to the bank until the loan is repaid	Until the end of payments, the car is owned by the leasing company, the buyer receives it for rent
Time for registration	Traditionally from several days	Very quickly, in some cases within 24 hours
Movement restrictions	None	The border can only be crossed with the permission of the lessor
Additional services	None	Sometimes the contract price includes a technical inspection, seasonal tire change, and transport tax is paid by the leasing company.
Returning the car to the lender	In case of delay by court decision	Without trial by decision of the lessor

Calculations using a specific example

Suppose you decide to buy a car brand Mitsubishi Lancer, which is worth 700 000 rubles It’s not difficult to calculate the amount of your monthly payment – ​​just find one that works online credit calculator and enter all known parameters. Read about how in the hotel article in our magazine.

As a result, using the average parameters of leasing and car loans, we find that payments in the first case will be 15 000 , and in the second – about 23 000 rubles It can be seen that when leasing, the amount of payments is significantly below . However, this rule only applies if the car must be returned after the end of the lease agreement.

The example shows the calculations for 3 years.

If the buyer's goal is solely to rent, then, undoubtedly, leasing will be more profitable. However, if you want to buy the car through 36 months you will have to pay the residual value of the leasing company. As a result, the cost of the car will exceed 1,000,000 rubles.

At the same time, when purchasing on credit, it will be equal to 828 000 rubles, which is significantly less. Therefore, if you want to keep your car, you should choose a car loan.

So what should you choose?

Before choosing between leasing and a car loan, you should clearly define your goals.

If you want to drive an expensive, high-status car and at the same time regularly exchange it for a car of the latest modification, the ideal way to purchase would be leasing without subsequent purchase.

Conversely, if the goal is to buy a car as a property for a long time, it is better to stay at target loan.

But do not forget that each company offers its own conditions. A situation may arise when a loan from a small bank, taking into account the huge number of additional commissions and payments, turns out to be less profitable than leasing from a large company that provides optimal conditions to its clients.

Today, leasing programs are quite profitable. This is also due to the fact that the popularity of such a service in Russia is still much lower than in Europe.

It is not difficult to explain this situation: our citizens are afraid when the ownership of the property they use is in the hands of third parties. They believe that if problems arise, they may lose both the car and the money paid for it. That’s why they prefer to take out a loan where ownership rights are transferred to the borrower immediately upon concluding the contract.

Read also our article about, where we talked about the conditions for obtaining a car loan with state support and provided a list of cars that are included in the preferential car loan program.

2.3. Car leasing for individual entrepreneurs and individuals - a detailed guide on how to buy a car on lease for an individual (including an individual entrepreneur)

In general, the process of leasing vehicles (cars and trucks) for individuals is quite simple.

Step-by-step instructions for buying a car on lease for individuals - main stages

If you want to buy a car and have no money, physical. a person (an ordinary citizen or an individual entrepreneur) applies to a leasing company. Next, we discuss what kind of car we would like to purchase and submit an application. In this case, you will need to provide a minimum of documents.

All that remains is to wait for the application to be reviewed and, if the decision is positive, to receive the car for use.

At the same time, quite recently the possibility of purchasing vehicles on lease was legislated only for the purpose of commercial use. Therefore, such contracts were drawn up only for specialized equipment, freight transport and buses.

Today there is an opportunity to purchase physical. persons (including individual entrepreneurs) in leasing and passenger cars .

In any case, to register a vehicle for a long-term financial lease, you will need to go through several successive steps.

Step #1. Choosing a car by parameters and price

First of all, you need to decide what kind of car the buyer wants to buy. It should be taken into account that usually you can only buy new vehicles of a well-known brand on lease (Mercedes-Benz, BMW, Audi, Ford, Opel, Mazda, Honda, Toyota, Nissan, Kia, etc.), for which the manufacturer provides a long warranty.

Step #2. Selecting a leasing company, studying leasing conditions and preliminary approval

The modern financial market is characterized by fairly free competition. Therefore, a huge number of companies provide services for purchasing cars on lease, both to individuals and individual entrepreneurs.

In this regard, choosing the most favorable conditions and not falling into the trap of scammers can be very difficult. Therefore, it is important to know what criteria you should pay close attention to when choosing a leasing company.

When choosing a leasing company, pay attention to the following criteria:

• how long the company has been providing services on the market;
• size of the organization;
• financial well-being of the company;
• reputation;
• reviews of the leasing company’s activities in the media and on the Internet;
• the presence of restrictions on lessees, as well as the subjects of the agreement.

When buying a car, the deciding factor is usually the car leasing price. However, it is not easy for a person without financial education to understand the specifics of its calculation. Concepts "rise in price" , and "residual value" may be confusing. Many people completely forget to take them into account.

That is why, in the process of choosing a lessor, it would be useful to seek help from financial consultants. By spending on their services, you can save significantly on purchasing a car on lease.

Step #3. Preparation of documents for obtaining leasing

To apply for leasing, you will need to prepare a package of documents. In most companies its composition is identical.

Traditionally, the package of documents includes:

• application for leasing a car;
• passport;
• driver's license;
• certificate, declaration or other document confirming income;
• a copy of the work book or certificate of registration as an individual entrepreneur.

Usually there are no difficulties when filling out an application. This is due to the absence of the need to provide collateral and guarantors. At the same time, most leasing companies do not make high demands on the age of potential borrowers. Most of them allow you to apply for leasing as early as 18 years of age.

Step #4. Leasing vehicle insurance

A mandatory step in the procedure for leasing a car is insurance. Two types of insurance are required: OSAGO And CASCO.

Theoretically, compulsory motor liability insurance can be issued immediately for the entire duration of the leasing agreement. However, experts recommend obtaining a new policy annually. The advantages of this option are receiving discounts when re-issuing a policy with one insurer or the ability to search for a company with more favorable rates.

When applying for CASCO insurance, every point should be agreed upon with the lessor. He may meet the client and agree to exclude unlikely risks from the policy. At the same time, the cost of obtaining an insurance policy will be significantly reduced.

Step #5. Conclusion of a leasing agreement

If both parties to the car leasing transaction agree to the terms of the contract, it is signed.

Such an agreement may provide for the following rights and obligations:

• the client receives the car for use;
• every month the lessee must transfer a certain amount of money to the lessor;
• if provided for in the contract, the client is obliged to pay the down payment;
• the car can be used for any purpose that does not contradict current legislation;
• The lessee is obliged to monitor the condition of the vehicle, undergo regular technical inspections, and ensure proper storage conditions.

Car leasing for legal entities individuals - what is it, what are the advantages and disadvantages, what is more profitable - a car loan or car leasing for an organization + the main stages of a leasing transaction

3. Car leasing for legal entities - conditions for purchasing a car on lease + step-by-step instructions for purchasing a car for legal entities 📋🚕

There are a huge number of reasons why a legal entity may need to buy a car. This may include the need to expand the vehicle fleet with an increased number of clients, organizing a delivery service, and the need for a representative car for the manager.

In this case, the company has several options for obtaining a car: you can rent it or buy it. Both of these methods require large financial investments.

There is one more more profitable option, which, however, is still quite new on the domestic market - leasing a car . This service is called differently long-term finance lease.

Today, leasing is in demand in all regions; experts predict an increase in popularity in the near future.

3.1. Car leasing for legal entities - essence and features

For legal entities, leasing is the most effective and fastest way to purchase a car. It is important to note that companies using it receive tax benefits . Moreover, if you choose the right transaction scheme, you can also get economic benefits.

It is leasing that allows companies to implement the most difficult undertakings. Thanks to traditionally used schemes, you can very quickly, investing a minimum of money, buy the following types of equipment:

• new passenger cars, including executive class ones;
• used cars;
• freight vehicles, including tractors, trucks, trucks of any capacity, trailers and semi-trailers;
• buses;
• specialized equipment - graders, truck cranes, excavators.

What is car leasing for legal entities - description

We have already talked about what leasing is.

The official definition used is:

Leasing- this is a type of investment activity that is aimed at leasing property for a certain period with the possibility of redemption in the future.

In other words, leasing is a special type of long-term lease. When it expires, the lessee has the right to buy the leased property.

Traditionally, three parties take part in a leasing transaction:

1. lessor may be a leasing company or a credit institution;
2. lessee can be either a legal entity or an individual;
3. supplier of leased property. This could be the seller, the manufacturer or its official distributor.

In some cases, a fourth participant can be identified in the transaction - insurer. Most often, he represents the interests of the party transferring the property.

The terms of the leasing transaction are established in the contract. The following may be indicated here:

• payment schedule;
• monthly payment amount;
• the amount of the advance payment.

For legal entities, large leasing companies most often offer several schemes for acquiring property on lease:

• with the return of the car;
• with the purchase of the vehicle when the contract expires;
• operational leasing, which is a long-term rental of a car with its maintenance and provision of other services;
• other types of leasing programs.

The use of vehicle leasing helps organizations improve their operational efficiency, as well as the use of funds, and increases the speed of development.

At the same time, leasing companies offer to complete the transaction as quickly as possible and do not delay the consideration of the application.

Note! Due to the registration of ownership of the car with the leasing company, the lessee company is exempt from paying taxes on it.

It is important to remember that individual entrepreneurs do not belong to legal entities. Therefore, registration of cars for leasing is carried out according to the schemes used by individuals (this was discussed above).

3.2. Advantages and benefits of leasing for legal entities - visual calculations, which is more profitable: leasing or credit + comparison table

You can select a row benefits inherent in leasing for legal entities:

1. High processing speed. A legal entity will not have to wait long for a response to its application; moreover, it will not be required to provide collateral.
2. Tax benefits. It is possible to refund VAT paid as part of leasing payments in full.
3. Possibility of using accelerated depreciation. Some lessors provide their clients with the opportunity to apply rapid depreciation. As a result, the tax paid on profits is reduced.
4. The investment attractiveness of the organization remains at a consistently high level. Leasing payments do not affect the balance of assets and do not increase the company's debts.
5. More favorable prices and tariffs for the buyer. This fact is explained by the fact that leasing is usually stimulated by companies that produce vehicles, sell them and other interested parties. They strive to increase sales, so they encourage car leasing, provide discounts and various benefits.
6. Convenient payment schedule, which is compiled individually in each case.
7. No restrictions by brand, year of manufacture, type and model requirements for purchased cars.

Thus, leasing combines tax savings with the speed of registration and the variety of options offered. Often, as additional services, the client can enjoy free technical inspection, seasonal tire changes, and repairs.

Vehicles with large engine displacements are often subject to depreciation. accelerated principle. As a result, they are transferred to the organization’s balance sheet with a low residual value.

Conditions leasing Unlike loan always individual. The client is allowed to introduce additional conditions into the contract or exclude certain clauses from it at the discretion of the lessee.

It turns out that leasing differs from a loan in almost all aspects of its advantages. The most attractive difference is that when applying for leasing, the client is presented with much less stringent requirements than with lending.

This state of affairs is explained quite simply: Banking activities are strictly regulated Central Bank , they are obliged to maintain liquidity and risk indicators at a certain level. As a result, banks are limited in their decision making. This is especially true for issuing loans.

Leasing companies operate on different principles. When making a decision, they are based solely on the current state of the company's business, as well as its prospects, taking into account the company's reporting.

Table: “Comparison of leasing and loans for legal entities”

The main differences between loans and leasing are summarized in the table below.

Characteristic	Car loan	Registration for leasing
Review period	Typically 3 to 6 weeks	1 to 4 weeks
Property tax	2.2% of the cost of the car	No charge
VAT	No refunds available	Reimbursed in the amount accrued to the payment
Time spent on depreciation	From 5 to 7 years	Usually from 2 to 3 years, for some car brands less
Pledge	Required	Not needed
Payment schedule	Fixed	Individual
Accounting for a vehicle on the lessee's balance sheet	Yes	No
Buying used vehicles	Not provided	Provided
Contract term	Up to 3 years	24-60 months

When buying a car on credit, discounts are usually not provided. If you prefer leasing, almost in 90% cases, you can count on a significant price reduction. This is especially true for transactions in which interested parties participate - suppliers or dealers.

Sometimes such a price reduction can be quite noticeable. Thus, legal entities can be offered leasing under programs in which there is no increase in price. At the same time, the cost of a vehicle leased will not differ from the price provided for purchase in cash.

But despite the fact that purchasing a car has a fairly large number of advantages, we can also highlight flaws such transactions. The main one is that the leased car belongs to the lessor on the right of ownership until the end of the contract.

One more important disadvantage Such a transaction is the fact that the lessor has the right to take back the car without resorting to court assistance. To do this, it is enough to violate the terms of the leasing agreement. There are also cases when property is taken away directly from the lessor when financial difficulties arise.

Calculation example

Let's look at the calculations using an example. Suppose that a car worth one million rubles was purchased on lease. In this case, you will have to pay 20,000 rubles every month. If you buy the same car on credit, the payment will be almost 40,000 rubles.

• The advantage of leasing in the example is beyond doubt. But there is one condition– calculations are given for those cases when, at the end of the contract the car is returned to the leasing company. This is beneficial when it is planned to replace the vehicle with a newer one in the future.
• If it is planned acquisition on lease with subsequent transfer of ownership to the lessee, the total amount of funds paid will be almost equal. At the same time, the only advantage of long-term rental is the opportunity receive tax benefits and also save a significant amount of time.

It turns out that it is possible to determine which is more profitable - a loan or leasing - only for certain cases. In this case, you will have to calculate the amount of payments, as well as the total cost of the car for each of the schemes.

Detailed instructions for buying a car on lease for legal entities in 5 simple steps

3.3. How to buy a car on lease for a legal entity - a detailed guide to buying a car for legal entities

When leasing a car, it is considered ideal to involve a specialist in the transaction process who has There is legally e or financial education . He will be able to take into account all the nuances of the transaction. In addition, such a person will help achieve better conditions during the contract execution process.

In large companies, such a specialist is most often listed in state. For those companies that do not have such a specialist, it is advisable to seek help from third-party financial organizations.

Regardless of whether the transaction is completed with the involvement of a specialist or not, during this procedure the lessee must go through a number of steps.

Step #1. Competent choice of car and leasing company, familiarization with the terms of the leasing agreement

In the process of choosing a car, the needs and requests of the lessee's company are taken into account. Most often at this stage the lessor provides his client with catalog, which contains possible options for vehicle brands, models and even modifications.

Despite the fact that most often the lessee already has an idea of ​​what kind of vehicle he wants to buy, nevertheless, at the initial stage it is necessary to decide on the necessary modifications, as well as additional services.

It is important to choose not only the best car option, but also lessor , with whom the cooperation will take place. In this case, you should take into account what the reputation of the leasing company is and how long it has been on the market.

It is also necessary to study the available reviews, if possible, make inquiries about the lessor among friends and acquaintances. Experts convince: It is enough to spend a little time checking the lessor to avoid serious problems in the future.

However, it is important not only to choose a car and a leasing company, but also to study the main terms of the contract, which include:

• the amount of the advance or down payment varies significantly from company to company and may be absent or reach half the cost of the car;
• dates of payment, as well as the amount of payments required to be made each month;
• conditions that must be observed at the end of the leasing agreement - return of the car or payment of the residual value.

If the conditions offered by a given leasing company are suitable for the client, he must fill out and send an application to the lessor. After its consideration, a decision will be made within the period established by the company.

The period within which a response will be given differs from one lessor to another. It may vary from several days before several weeks.

Step #2. Collection of documents for leasing registration

If, based on the results of consideration of the application, a positive decision is made, you will need to provide the lessor with a certain package of documents. It is advisable to prepare it in advance. This will help significantly save valuable time.

Traditionally, to lease a car to a legal entity, the following may be required:

1. An application signed by an authorized person of the organization (usually the manager).
2. Lessee's questionnaire with mandatory stamping on it.
3. A copy of the current version of the Charter.
4. A copy of the certificate confirming tax registration.
5. A copy of the decision that appointed the head of the organization.
6. Copies of documents proving the identity of the manager, as well as the founders of the company.
7. Balance sheet and other financial reports.
8. Certificate of availability of bank accounts.
9. Consent required for unimpeded data processing.

Sample of filling out the lessee's questionnaire (an example of a leasing application)

This list is indicative; often leasing companies may require other documents.

Step #3. Drawing up and concluding a contract

Once all preconditions have been agreed upon, the signing an agreement. From this moment the car finance lease transaction begins.

It's important to take it seriously to draw up a payment schedule. The state of affairs of the company will depend on how correctly it is selected. Therefore, this moment of concluding leasing transactions is often called key.

The payment schedule must be consistent with the rhythm of the lessee’s business and the date of receipt of particularly significant payments. It should not interfere with business development or disrupt the financial condition of the organization.

Some leasing companies provide the opportunity to create a seasonal payment schedule, which will be focused on the receipt of funds in companies that are engaged in seasonal business.

Signing the contract – a procedure that does not take much time. Moreover, some lessors provide a travel service for this purpose directly to the client’s office.

Regardless of everything, the contract should be treated with maximum attention . It is important that the lessee's lawyers review it carefully. If there is no lawyer on staff, it would be a good idea to turn to third-party specialists. This will avoid significant problems and misunderstandings in the future.

Step #4. Payment of the down payment under the leasing agreement

After signing the contract, the company makes an advance payment. Usually it is from 5 to 15%. Some leasing companies enter into agreements without prior deposit of funds , in others - the advance amount reaches half the cost of the car.

If the terms of the agreement provide for an initial payment, the car will be transferred to the client’s use only after payment. Traditionally, contracts are concluded for a period from 2 before 5 years.

Step #5. Getting a car for use

Traditionally, a vehicle is leased on finance through an intermediary - car supplier . This happens at a car showroom or dealership. It should be remembered that issuing an insurance policy OSAGO is required .

In addition, at the request of the lessor, it can be carried out. The vehicle must be registered with traffic police.

From the moment of receipt for use, the lessee must take care of the safety of the vehicle, as well as ensuring its functionality. However, the leasing company, as well as the car supplier, can help with this by providing various types of services, as well as technical support.

Depending on the terms of the agreement at the end of the contract, there are two options for the future fate of the car:

1. it is returned to the lessor;
2. the vehicle is transferred to the balance of the lessee.

In the second case, the client must pay extra residual value.

Thus, leasing for legal entities can be an excellent assistant in business. At the same time, during the transaction process it is important to be extremely attentive.

It would be useful to consult at each stage with financiers or lawyers who are on staff of the company. If there are none, you can seek help from an independent financial advisor.

Popular car leasing programs

4. Leasing programs for financing vehicles - TOP 3 most popular 🛠💰

Most leasing companies offer the client a choice of several programs for purchasing cars on finance lease. Usually they all require a loyal attitude towards the lessee, a minimum package of necessary documents, and quick execution of the contract.

Program 1. Car leasing without a down payment for individuals (IP) and legal entities

Even newly registered organizations can draw up a leasing agreement, despite the traditional requirement to wait from six months before of the year . Naturally, young companies have not yet had time to earn funds for an advance payment. That is why leasing companies offer a long-term lease program without making a down payment .

Most often, leasing under such conditions is offered to be issued directly vehicle manufacturers , and official dealers . They are interested in selling cars as quickly as possible.

In addition, a no-down payment scheme may apply to equipment of a certain manufacturer and brand when an agreement is concluded between the lessor and the seller. According to its terms, when a vehicle is withdrawn from the lessee, the leasing company has the right to return it to the manufacturer.

Program 2. Car leasing with zero increase in price

The zero-increase leasing program assumes that the total amount of payments under the contract will not exceed the cost of the vehicle in the showroom. Such an offer becomes possible when the manufacturer offers the leasing company as a corporate client significant discounts on your vehicles.

Often, the purchase of cars on lease (that is, with payment in installments) is initiated by the manufacturer himself. In this case, his goal is sales promotion .

Thus, the provision of discounts by manufacturers, as well as cheaper financing, enables lessors to offer vehicle sales programs without overpayment.

Program 3. Leasing of vehicles without assessing the financial condition of the lessee (buyer)

The risk when registering cars for long-term lease for leasing companies is minimal. There are several reasons for this:

1. The initial payment covers subsequent non-payments.
2. The title to the car remains with the leasing company until full repayment.

All this leads to the fact that there are leasing programs in which the financial condition is practically not assessed or is checked to a minimum.

Such programs can be used for long-term lease of passenger cars, trucks, and specialized equipment.

Features of programs without financial assessment are the following:

• provision of new equipment;
• the cost of the car should not exceed a certain amount;
• the percentage is higher than under standard conditions.

Thus, there are a large number of different programs for leasing a car. It is important to choose the best option in each specific case, starting from the initial conditions and final goals of the client.

Leasing companies: how to choose the best (reliable and conscientious) - tips and recommendations

5. How to choose the right reliable leasing company - practical advice from experts 📌

In the Russian market today, leasing is provided by a huge number of companies. They all lure customers in by touting their offerings and detailing all the benefits. Naturally, they don’t tell about the pitfalls of the leasing procedure , do not mention its shortcomings.

Every buyer should understand that there are no leasing programs that have no drawbacks and are suitable for absolutely everyone.

• how long the lessor has been operating in the financial market;
• financial well-being of the leasing company;
• what is the reputation of the company in the professional financial environment;
• How private clients, as well as organizations, respond to the lessor;
• what restrictions are imposed by leasing programs;
• the size of the lessor - attention is paid to the presence of branches throughout the country, the size of the regional network;
• An important criterion is the cost of the services provided.

When choosing a lessor, it is important to evaluate all these criteria together. We should not forget that the effectiveness of the concluded deal largely depends on the analysis performed. It is important to understand that the main goal of any organization is buying a car as profitably as possible with minimal problems .

The list of favorites among leasing companies should include organizations that have been operating in the Russian market for a large number of years. Moreover, they must have many completed contracts.

Other factors are also of great importance. Among them:

• degree of openness of the company;
• how accessible it is to its clients;
• how friendly the leasing company staff is;
• How many employees are on staff and what is their level of professionalism.

6. Where to buy a car (or truck) on lease - list of TOP-6 leasing companies in Russia 📑

Many sites provide reviews of leasing companies, but most often in an advertising manner. We will provide a list of lessors who are popular due to their reputation, as well as favorable conditions. But you should understand that the list of companies is different in different regions.

The most popular leasing organizations are:

. This company offers leasing for any type of transport, including railway and aviation. The presented company is a subsidiary of a credit institution VTB, its head office is located in the capital. has a wide branch network, which includes about 35 divisions.

- an organization founded in 2008 in Moscow. This leasing company leases vehicles under the terms of a variety of programs. Since the opening of the lessor, a huge number of agreements have been concluded, both with legal entities and individuals. Today their number exceeded a thousand.

- a subsidiary of the largest Russian bank. Size of this company's leasing portfolio in 2015 amounted to 370 million rubles. This lessor works with clients ranging from small to large businesses. Moreover, it operates not only in our country, but also in neighboring countries.

4. Europlan- Moscow leasing company. It specializes in leasing new foreign-made cars. In addition, a unique program is offered for business partners "All inclusive". It provides for the provision of a large number of additional services.

is a Moscow company that focuses its activities on legal entities and individual entrepreneurs.

is a universal leasing company that began its activities in 2001 She now works with business clients in more than 20 regions of Russia.

Don't blindly trust this small list. In Russia, a huge number of companies provide financial leasing services.

When choosing a partner, you should focus on the goals of the business, the location of the lessee and the lessor, as well as other factors.

You should also not completely trust the opinions of Internet users. It is best to collect as much information as possible about leasing companies.

In addition, it would be useful to conduct a detailed analysis of all offers on the market. If you can’t do it yourself, you can use the help of financial advisors.

7. Frequently asked questions about car leasing

Question 1. How can an individual lease a car without a down payment?

It is quite possible to buy a car (or truck) on lease without having the funds to pay the down payment. To do this, you need to find a lessor who offers programs with such conditions.

Most often, offers with no down payment are offered large lessors . They run various promotions. However, small leasing companies also offer finance leases without advance payment in order to increase competitiveness.

Such options beneficial not only to individuals who do not have money for a down payment. Also, programs without a down payment help newly created organizations. They are just starting to work, so they have not yet managed to earn money for an advance.

You may be interested in our article “,” where we examined the process of registering a Limited Liability Company step by step.

Question 2. Is it possible to buy a used car on lease?

Finding companies that offer to lease used cars is quite difficult. Most lessors offer to purchase exclusively new vehicles. This is immediately stipulated in the conditions for the proposed programs of leasing companies. Moreover, leasing is often given only for certain brands of cars.

However, there are companies that still meet the client and arrange leasing for used cars . In this case, the lessor usually purchases the car and registers it as his own property, then transfers it to the client for use. At the end of the contract, the car must be purchased.

Question 3. What are the features of leasing trucks (trucks) and special equipment?

Leasing of trucks and construction equipment - features and specifics

A truck (including special equipment) is quite expensive, so purchasing one for a legal entity can be quite problematic. That's why purchase of freight vehicles on lease is an excellent opportunity to use expensive equipment without incurring large one-time costs.

Majority Large lessors provide the opportunity to use programs for the purchase of trucks and special equipment. At the same time, applications are processed fairly quickly, few documents will be needed, and the increase in cost will not be too high.

Leasing programs for the purchase of freight vehicles make it possible to obtain various types of equipment:

• dump trucks;
• trucks of various carrying capacities;
• tractors;
• trailers and semi-trailers.

In addition, large equipment manufacturers also offer profitable leasing programs. They do this through subsidiaries.

Thanks to the service of financial leasing of freight transport, legal entities have the opportunity to use freight transport and subsequently buy it into ownership even if they do not have their own vehicle fleet. Trucks purchased under leasing must be registered with the traffic police.

Registered as owner lessor, it is he who organizes registration, as well as technical inspection. Moreover, it is the leasing company is a transport tax payer, it is her responsibility to submit the appropriate declaration.

Often, lessors offer all sorts of discounts and benefits if confiscated trucks are purchased. In this case, the client can choose a car from the available confiscated vehicle.

Question 4. What can a leasing company do if payment is late under a leasing agreement?

Leasing is very different from a loan. In the second case (for car loan) Immediately after payment of the advance payment, ownership of the car passes to the client. In contrast to this when leasing The car belongs to the leasing company until the end of the contract.

The lessor has the opportunity, if the client violates contractual obligations, to return the car to himself. In this case, there is no need to involve the court; property can be seized very quickly.

Therefore, you should not allow late payments when leasing vehicles. This is fraught with unpleasant consequences.

If any problems do arise, it is better to immediately notify the leasing company. In this case, it will be possible to reach an agreement and avoid the seizure of the car.

8. Conclusion + video on the topic 🎥

We hope that after reading the article you have a better understanding of what car leasing is. We also tried to explain in simple and understandable terms how car leasing differs from a car loan, in which cases it is worth resorting to the services of leasing companies, and in which cases it is better to take out a loan from a bank to buy a car. In addition, we also talked about the stages of completing a leasing transaction for individuals and legal entities (we provided step-by-step instructions).

Do not forget that before agreeing to the terms of the lessors, you should carefully study all the offers available on the market. It is necessary not only to weigh everything pros and cons, but also make calculations under various programs. At the same time, one should not ignore car loans.

This is the only way to truly choose the most profitable option.

And a video on the topic “Car leasing for private clients (individuals)”:

It should be remembered that the average buyer (not to a specialist) It can be quite difficult to independently carry out all the calculations for the purpose of detailed analysis. Therefore, it would be useful to contact to a financial advisor. An independent specialist will be able to not only make all the calculations, but also carry out a comparative analysis.

Our site project team hopes that this article was useful to you. We wish all our readers financial well-being and good luck in business. We will be grateful if you rate our article. We also welcome your comments and questions.

For any company, purchasing a vehicle is a capital and expensive investment. What is more profitable: buying a car with your own money, taking out a loan or renting with the right to buy?

In this article we will talk about how to lease a car to a legal entity, under what conditions, we will analyze the pros and cons and tax features, and also consider individual products of leading companies.

What to choose from

Most often, LPs impose minimum requirements on their clients:

— the company must be “older” than six months;

— it has no losses in recent periods;

- she has a sufficient amount of equity capital;

— her credit history is perfect.

Today in Russia, “simple and fast” leasing products are at the peak of popularity.

No down payment

Typically, such programs are present in the line of manufacturers and official dealers. “With a zero down payment”, as a rule, you can register for a specific make and model of vehicle. If the recipient fails to comply with the payment schedule, the car is confiscated and returned to the manufacturer.

With zero increase in price

The program provides that the total amount of payments is equal to the cost of the vehicle at the dealership. This “generosity” on the part of the leasing company is easily explained.

Firstly, as a 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, the legal entity receives a car in installments at the market price, the dealer and manufacturer receive high sales figures.

Without assessing 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 a minimum, 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 purchasing for cash or on credit (less working capital is diverted from the company’s budget).

Secondly, accounting and tax accounting are greatly simplified. After all, accounting for property and paying taxes usually falls on the leasing company. She also takes upon herself the registration of the vehicle with government agencies.

Thirdly, any car maintenance costs (for example, insurance, tire fitting and maintenance) can be included in the payment.

And most importantly, the company receives tax savings!

In addition, the vehicle is reliably protected from arrest and claims from third parties: after all, according to the documents, it belongs to the LC. And also a “bonus” to the legal transaction. a person often receives a set of services: roadside assistance, round-the-clock support and administration of insurance and warranty situations.

Minuses

Short rental period

For legal entities, as a rule, it is issued for a period of up to five years. Among the offers for bank loans, you can also find longer options.

Risk of loss of property

If the recipient fails to keep up with his payments under the contract, he instantly loses the right to use the vehicle. In this case, the advance payment and payments already made will be completely lost.

And if the bank simply charges penalties and increased interest at an early stage of delay, then the LC will simply confiscate the vehicle and terminate the contract unilaterally.

Restrictions

In fact, for the entire leasing period, the vehicle is owned by the company. For a legal entity, this is simply a long-term lease with the right to buy.

Hence there are a lot of restrictions: it is forbidden to rent out a car or pledge it, you cannot choose your own 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 leasing payments according to the schedule (until a court decision or before an insurance payment). Sometimes such “empty” payments last for six months or longer.

Taxation nuances

VAT

Payment of VAT is distributed over the entire term of the contract with subsequent reimbursement from the budget. In this case, the tax on payments is reimbursed in full (unlike interest on bank loans). The entrepreneur receives the right to such compensation, even if the vehicle is listed on the lessor’s balance sheet.

Capital structure

Y does not increase the company's debt and does not change the proportion between equity and borrowed funds. Thanks to this, the company maintains 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 from Russian companies

VTB

Financial leasing is possible for cars and trucks, 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.

The “Ready Solutions” program offers a legal entity to improve one of the rental criteria to the detriment of others: advance payment, increase in price or payment amount.

And under the terms of the “Used Vehicle” product, you can temporarily rent an inexpensive used car (not older than 3-4 years).

Sberbank

For legal entities, Sberbank Leasing has developed a special Express program with special conditions. You can register passenger, commercial and cargo 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 Sberbank partners.

Carcade

One of the most profitable options from Carcade is “Preferential” (with state participation).

The rules of the program are simple: a legal entity of any form of ownership can take a financial lease into a new Russian-made vehicle, with a 10% discount and zero increase in price. The advance payment will be 10-50%, the term will be up to 5 years, the subsidy amount for one car will be up to 500,000 rubles.

The contract is drawn up using two documents and in just two days. CASCO, MTPL and DGO insurance is required (insurance can be included in leasing payments).

VEB

Here, almost everything is available for financial lease: from cars and industrial equipment to helicopters and ships.

Along with standard programs, the company’s line also includes additional “carrots”.

For example, each client of the company receives a VEB fuel card as a gift, which is accepted for payment at more than 11,000 gas stations throughout Russia. By refueling with such a card, the client saves up to 25% on fuel (due to VAT refunds and discounts at gas stations).

Another useful service from VEB is called “Road Assistance”. The minimum package includes emergency technical assistance, round-the-clock consultation and car evacuation in case of an accident or breakdown.

Leasing is an effective financial and investment tool for production development. With its help, a company can modernize fixed assets and purchase the necessary property.

The subject of leasing can be cars, production, agricultural and other equipment, etc. It is not allowed to formalize a transaction for land plots, natural objects, property complexes or individual divisions of enterprises.

Conditions for obtaining equipment on lease by a legal entity

According to the Federal Law “On Financial Leasing”, the lessee can be a legal entity or an individual. This means that a deal can be concluded not only by companies, but also by citizens, regardless of the place of registration, taxation system, form of ownership and other characteristics. Let's figure it out, is this really so?

The most privileged lessees are serious corporations. Many leasing companies are ready to finance transactions for them, providing favorable conditions: long terms and low interest rates.

But such companies are in no hurry to offer favorable conditions for representatives of modest businesses. The conditions can be very unfavorable; this is a kind of “risk payment”. Leasing companies consider large lessees reliable, but they do not want to get involved with small ones. Although this is not disclosed anywhere, the cost of services directly depends on the size of the lessee’s business. You can even get rejected. Mostly, newly registered companies that do not have property or do not keep accounting records are denied. Refusal can also be caused by losses, lack of revenue, growth of accounts payable and other financial troubles.

Other ways to finance a business

Required leasing documents

1. Constituent and registration documents (charter, state registration certificate, EDRPOU certificate, VAT payer certificate, Form No. 4-OPP), necessary licenses, permits, patents and other permitting documents that indicate legal activity.
2. Orders, protocols and other documents on the appointment of the head of the company and the chief accountant, sample signatures and seal impressions, a copy of the manager’s passport.
3. Certificates from banks where there are debts.
4. Certificates from banks servicing this company about monthly turnover of funds and credit accounts for the last year.
5. Quarterly financial statements for the last two years.
6. Tax reporting: profit and VAT declaration for the last reporting period and for the year.
7. A feasibility study or business plan for a project, which indicates information: market segment, information on receipts of funds into accounts, taxes, fees and other obligatory payments, the essence and effectiveness of the project, the amount of gross and net profit, payback and other economic information.

Important! All registration and financial documents, reporting of the enterprise are provided in the form of certified copies with a seal and signature.

When and why are additional documents required?

If the lessee is an individual entrepreneur or a company uses the simplified tax system/UTII, you must submit documents confirming the performance indicators (declaration under the simplified tax system or UTII, book of income and expenses).

The lessor may also request a breakdown of accounts payable, information about the main counterparties, an audit report and other information. A business plan for the project is optionally provided.

Financial documents are necessary to assess the financial condition of the lessee and whether he will be able to make payments on time. Own capital, revenue, turnover and other financial indicators are also assessed. This applies to small projects. To conclude major transactions, the lessor conducts an in-depth analysis of the financial situation and necessarily requires the provision of a business plan.

The lessee makes an application, where he indicates information about the property, supplier, contract parameters, features of the activity, etc. Keep in mind that each leasing company independently determines the list of papers required to obtain property. This mainly depends on the specifics of the activity and the associated risks.

Main results of leasing

Saving on taxes

Payments that are paid by a legal entity under a contract are taken into account as production costs. In this regard, the amount of income tax is reduced. Until the ownership rights are transferred to the lessee, property taxes are paid by the lessor. Thanks to this, the company saves a certain amount of money.

Saving working capital

Due to the reduction in the volume of working capital, profitability and profitability indicators are reduced. If you spend money on the purchase of expensive equipment, in the long term this can lead to unprofitable activities of the company. Leasing has a positive effect on the state of the company, since there is no withdrawal of working capital.

Development of enterprise activities

Thanks to the acquisition of new equipment, the business is developing successfully. Moreover, unlike lending, leasing is possible in any financial situation of the lessee. This is due to the fact that the second option ensures the flow of income.

Reduced processing costs

If you buy property, vehicles or equipment, you need to register it. In the case of a leasing agreement, the lessor handles all the paperwork, which saves time and money.