Leasing is considered in demand by the proposal of specialized companies. It is presented in several varieties, each of which has its own nuances and differences. An operating leasing is considered quite interesting, which has unusual characteristics.
The concept of operational leasing
Leasing can be represented in two forms: financial and operating. With a financial procedure, the lessee pays the full price of depreciation of value, as well as the profit of the leasing company and other costs.
If the operational leasing is selected, only a part of the value of the object is covered, and such a contract is drawn up for a short period of time. After the expiration of the contract, the object often does not redeem the object.
None in the legislation of the Russian Federation, any norms related to the regulation of this type of leasing, so it is equal in its parameters to the lease.
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The lessor remains the immediate owner of the property, but in such conditions the risks and costs of the leasing company increase, therefore, high interest are usually established with such a proposal. The contract of concluding a contract usually varies from 3 to 5 years.
What is an operating leasing? Photo: myshared.ru.
Usually, in one such period, significant characteristics of the object do not deteriorate, so it can be replaced by leasing. By operating date, the client can follow different steps after the contract:
- redeem object;
- return it back of the company;
- to arrange a contract again;
- replace it with another object.
For such a contract, you can have to receive, cars and even some types of real estate.
What conditions are provided
Operational leasing is considered more costly compared to financial, so it should be prepared for sufficiently high percentages. The main conditions refers:
- payments are calculated depending on the value of the object, as well as the expenses of the lessor, tax deductions and other costs, which he has to be carried out for the operation of transmitted values;
- depreciation is calculated at an accelerated pace;
- the entire amount of depreciation is not covered due to a small term of the contract;
- the lessor performs that repair, purchase of insurance and other operations on the subject of the Agreement;
- if the lessee during inspection detects any breakdowns or other disadvantages, it can terminate the contract.
Important! Due to the complexity of this type of service, it is provided only to those customers that fully comply with numerous requirements.
What methods can be issued
Registration of this type of leasing is allowed exclusively in relevant leasing companies, as well as some banks and financial organizations provide this opportunity, but usually they work only in large cities.
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Conditions are agreed on the contract, after which it is signed. The object is transferred to the client to use, and it must pay monthly payments by agreement.
Important! If violations are detected when paying contributions, therefore the payment schedule will be broken, this will lead to the fact that the leasing company can withdraw the car and terminate the contract.
Where is issued
Operational leasing is presented with relevant companies, some banks and specialized financial firms. For individuals faces are usually made by small organizations.
It is advisable to first choose the optimal company, after which you visit her site. It usually contains the necessary information on the conditions for leasing. Each city has its own companies, so you should find out about them yourself.
Important! The larger the transaction is planned, the better the conditions will be offered by a leasing company. Applications are usually considered within a few days, but in difficult situations this process may increase to the week.
Who can count on getting
Only clients corresponding to numerous requirements can get this service. Some firms offer leasing for companies, while others and for individuals faces. Requirements for individuals and IP are significantly different in different leasing organizations.
What percentage rates are set
Due to the high risk of registration of operational leases for companies, they set on the transmitted objects really high interest rates. Such a bet is differently called the recovery rate and is expressed as a percentage.
Important! The rise rate is represented by the difference between the price of the transmitted values \u200b\u200band the sum of leasing payments under the contract.
This indicator depends on different factors:
- the total price of the transferred property;
- the costs that have to carry a leasing company for the maintenance and repair of the object;
- costs for taxes and other purposes.
There is a possibility that in leasing such a bet will be 0%, for which the seller must make the appropriate discount. But such a situation is extremely rare.
What documents are required
For registration of the agreement, a specific package of documents is preparing.
Important! Some companies offer the ability to make leasing on two documents, for which it is necessary to bring only a passport and driver's license, but in most cases there are many other documentation.
Standardly requires documents from companies:
- constituent documentation formed by the opening of the organization;
- sv-in registration;
- bond on registration;
- extract from the register;
- financial documentation confirming the profitability of the company's activities for a specific period, and it is usually necessary for two years;
- orders to appoint a specific person to the position of head and chief committee;
- the decision of the meeting of shareholders, which indicates the need for a certain object in leasing;
- documents confirming the lack of debts on taxes and other creditors.
Scheme of operational leasing. Photo: Aldautomotive.ru.
Although the credit history is not checked when the leasing is not checked, but if a private person claims to be applied, its reputation, solvency and reliability as a payer will be checked.
What are the requirements of the lessee
For registration of operational lease, customers of companies must comply with some requirements. These usually refers:
- achievement of age of 18 years;
- the presence of Russian citizenship;
- the age of the lessee must vary from 21 to 65 years;
- registration must be in the region where the separation of the selected company is located;
- if applies to the execution of the contract a man, who over 27 years old, then he should have a marker in a military ticket;
- usually requires a certificate of income or other document, which confirms that the person has official earnings.
If a company claims to design a contract, it should work at least two years. Its activity should be successful, which is certainly confirmed by the financial documentation.
The company should not have a lot of debt, as well as it should have sufficient assets and profit to cope with payment payments.
For how long is
Operational leasing is designed for a short period of time. Some leasing companies are at all suggesting the ability to conclude a contract just for several months.
Standardly, this period varies from 3 to 5 years. During this process, the depreciation is calculated accelerated, but even under such conditions it is not completely covered.
How to repay
According to the lease agreement, a payment schedule is provided for which it is required to transfer funds to the lessor. If the lessee is a private person, then it pays equal amounts of funds monthly.
If an organization claims this service, then it is possible to choose one of the options for it:
- annuity payments that are the same during the action of the contract, and they can be paid monthly or every quarter;
- with a decrease in size, which leads to the fact that by the end of the deadline, payments will be very small;
- individual payments that are usually offered by seasonal companies, so they have a high income at a certain time, and there may be absent to another, and in this case it is important to warn the leasing company about the specifics of the client's work in advance.
Payments are made through the settlement account of the leaser. For this, a payment order is formed, in which you need to enter the number of the contract, the date of its signing and the period for which payment is made.
Advantages and disadvantages
This type of leasing has some advantages:
- operational design;
- clients are not too high requirements;
- registration is considered simple, and the responsibility for the object remains on the lessor;
- property can be transferred to recipients several times;
- the lessee can take advantage of different versions of the action at the end of the contract.
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