In the case where there is no possibilityto buy a car immediately for cash, individuals have to look for other ways to get what they want. Recently, the popularity of gaining a scheme of buying a car on lease.
For a long time, the opportunity to use a leasing agreement existed only for legal entities. At the moment, this method of acquiring a car becomes real for individuals.
Before, citizens could quickly get inordering a car just by buying or renting it. Now everyone has the opportunity to purchase a car on credit or on lease. The only difference is that with a loan agreement, a person uses his own car, and under a leasing agreement, he uses a vehicle leased from a leasing company.
What is car leasing for individuals?
Let's look at this question in more detail.To understand what car leasing is for individuals, you should refer to the legislation. Federal Law No. 194 “On Financial Lease (Leasing)” proposes the following definition: this is a scheme in which the lessor undertakes to purchase the property specified by the lessee (in our case, a car) from his chosen seller and also to provide this property in possession and use for a previously agreed fee with the right of subsequent redemption. In the contract it is possible to indicate that the choice of the seller and the acquired property can be made by the lessor.
Таким образом, договор лизинга является tripartite. But the main actors, between whom there are long-term relationships, are the lessor and the lessee. Previously, such a contract was popular with legal entities and individual entrepreneurs, who used it for the purpose of making a profit during the rental of a vehicle. Now it has become convenient to use for individuals.
Advantages of leasing for individuals
Buying a car on lease for individuals carries with it a number of advantages as compared to other forms of purchase with a deferred payment. Among the main positive points are the following:
- more loyal requirements for a borrower than in car loans, often the credit history is not checked;
- for registration requires a minimum set of documents;
- passing the vehicle inspection, its insurance, registration is carried out by the lessor (including bears the relevant costs);
- leasing companies are not interested in the credit history of the lessee;
- more loyal credit conditions, including the ability to get a deferred payment or extend the contract if necessary;
- opportunity at any time to abandon the car.
Cons of buying a car in leasing
In addition to the advantages of buying a car on lease,there are drawbacks to such a scheme. Moreover, the disadvantages of leasing a car to individuals are usually much more interesting. After all, everyone wants to know what pitfalls can wait for such a design transaction. The disadvantages of leasing include the following:
- An individual is not the owner of the car, but only uses it by proxy. The machine in this case belongs to the lessor.
- The individual who leased the car is nothas the ability to in any way change anything in the vehicle, operate it at 100%. The firm-lessor under the contract prohibits the application of any actions to the means of pledge, such as painting, traveling abroad and so on. In addition, from time to time the lessee will need to appear to inspect the car at the office of its owner, as well as coordinate every action planned for the car.
- In the case of an accident or in the presence of problems with driving, the firm-lessor has the right to apply penalties.
It turns out that in some cases it may be preferable to take a car loan than to buy a car on lease for individuals.
Requirements for the lessee
There are a number of requirements for the lessee, which are imposed in almost all firms that lend cars for individuals:
- For registration of the contract you must have a driver's license;
- the requirement of Russian citizenship and registration;
- there should be a permanent job and seniority, respectively, and a steady income;
- The preferred age of an individual is 20-60 years.
The simplest requirement at the conclusion of the contractLeasing will be the provision of a passport of a citizen of the Russian Federation and a driver's license. The statement of permanent income is quite reasonable, since the lessor needs confidence that he will receive the amount due to him. But the latter is insured against non-payment by the fact that the property belongs to him completely, up to the final payment. Therefore, if payments cease to arrive, the car will be returned to the lessor, and the money paid before will be recorded under the contract as payment for rent.
Agreement conditions
Depending on the company with whichthe cooperation is carried out; the conditions under which the contract of leasing a car with an individual is drawn up may vary. Nevertheless, there are a number of points that are always taken into account.
Payment order
One of the important sections that interests everyonein the lease agreement, is the order of payment and the timing of making payments. All schedules and conditions are determined by the leasing company itself, and it is she who decides what the leasing terms will be for individuals per vehicle.
Чаще всего время на выкуп машины дается от двух up to five years. Naturally, the longer the term, the lower the monthly payment. A schedule is agreed between the parties according to which the lessee is obliged to pay the amount due.
Also in the contract indicates the possibilityearly redemption of the car. This procedure will help save some of the funds. You should be careful when signing documents: often the lessor designates in them fines for early cancellation.
Prepay
The contract sets the amount of the prepayment,which can vary from 0% to 50%. Making such a payment is profitable due to the fact that the greater the amount the lessee makes in advance, the less he will have to pay every month. The minimum prepayment is beneficial to those who have little money to buy a car.
In addition to the above, there are other significant terms of the contract:
- the procedure for obtaining the machine;
- how the car will be checked, the maintenance schedule is specified;
- fines for non-compliance with the terms of the contract;
- car insurance procedure.
Before taking a car on lease, individuals should carefully examine the terms of the contract. If you disagree with some points of the document, you should immediately discuss them.
The choice of the lessor
Some precautions should be taken when choosing a company to purchase a car on lease. It is important to responsibly approach the verification of the company with which the contract will be concluded.
The lessor must have a certain reliability and work in the market for some time. If such a company is part of a large holding, this is a definite advantage.
Reliable organization has some listsupplier companies she works with. It should also provide leasing services for individuals and have pricing for its services freely available.
To understand whether a deal is profitable, it is not only importantknow what car leasing is for individuals, but also choose the right lessor. To this end, it is necessary to collect the maximum amount of information about the companies providing such a service.
Leasing cars in Minsk for individuals provides a huge number of organizations. How not to make a mistake with the choice, not to stumble upon scammers? What to pay attention to?
There are several rules that will help you choose a reliable lessor:
- The experience of the company can be estimated by how long it has been working on the market. It is this period that allows one to judge that the lessor is sufficiently reliable and is not a one-day firm.
- Наличие наполненного интернет-сайта у организации is a sign of seriousness. In this case, it is worth carefully studying the resource. It is desirable that there was not only information about the organization, but also useful articles on the topic, a preliminary calculation calculator.
- Важно проверить контакты для связи с lessor. It is desirable that there was a possibility of round the clock consultation. In the future, in the event of an unusual situation, this can be very useful.
- Until the conclusion of the contract to the lesseemust provide all the necessary information (for example, a payment schedule), explain all unclear points. Without fail, the client should be told about where and under what conditions the car will be serviced.
- Выбрав предпочтительную компанию-лизингодателя, the buyer should examine the reviews about it on the Internet. But do not blindly believe each of them. Very often, reviews are written to the order of the organization or its competitors. Usually truthful opinions are written in simple language, without cleverness, with a specific description of the situation.
Stages of registration
The procedure by which the leasing of passenger cars for individuals takes place usually includes the following steps:
- There is a choice of car.
- The lessee submits an application to the company of the lessor. In this application can be submitted to several firms.
- Компании дают свой ответ на заявку с расчетом по cost and payment schedule. That is, they make their proposal for a particular case. The lessee at this stage has the opportunity to choose the prices and terms provided.
- Upon receipt of a positive decision, an individual visits the company's office to complete a transaction.
- The office regulates all disagreements, preparing a clean version of the payment schedule and the amount of payments.
- Prepayment is paid. Cash is transferred to the seller’s account.
- The car is issued in the ownership of the leasing company and transferred to the use of an individual.
Is leasing a car profitable for individuals?
Purchasing a car on lease is very profitable andconvenient for citizens who for various reasons do not want to appear in various documents as the owner of the means of transportation. There may be several reasons for this. For example, in order not to divide it in case of divorce or in order to conceal property from bailiffs.
Many leasing companies have partners in expensive car dealerships. These stores offer their customers pleasant discounts and bonuses.
If the citizen is going to purchase a leaseThe car is already in use, then there are some special moments. Of course, this type of car is much cheaper and in terms of age does not exceed 5-7 years. All maintenance, as in the case of a new car, is at the expense of the lessor. And this is a big plus, since the lessee does not need to worry about how to replace this or that part.
Due to the high cost of a truck in leasing for individuals also make out extremely profitable.
Convenient leasing for those who are used to regularlychange cars. At the end of the existing payments under the lease agreement, the car can either remain in full possession of the lessor or become the property of the lessee. A lease agreement, unlike a loan agreement, can be terminated much faster and easier. A citizen acquires the ability to change cars more often without spending time on resale.
Тщательно изучив, что такое лизинг автомобиля для individuals and what are its features, everyone must draw conclusions for themselves. The most convenient way to purchase a car depends on the specific situation and personal preferences of the consumer. Moreover, everyone can identify the advantages and disadvantages of such a scheme, which will manifest themselves in his situation. It turns out that it is up to the consumer to decide whether to issue a lease or not. We note one thing: the existence of such methods of acquiring a car has helped many, more than once.
