How leasing differs from the loan: comparison, the difference between leasing and bank loan in simple words. What is more profitable, better for buying a truck: a loan or leasing? Advantages of leasing over a loan for legal entities and individuals: Description

In this material, we consider the difference between credit and leasing, as well as similarity of these financial transactions.

Content

Buying a car was not a luxury, but a necessity for most citizens of our country. After all, the presence of a machine helps to develop business and significantly save time when moving to remote regions.

However, the cost of most cars is still high. But in the case when to accumulate funds and wait for no way to wait, a rational way out of the situation will be a loan purchase. In order to avoid huge interest rates, as well as understand what to pay attention to when concluding an agreement with the bank, we will consider all the main aspects and methods of acquiring a vehicle. We will also analyze what the difference between lending and leasing, and what advantages have legal entities when drawing up the necessary documents.

What is leasing and credit: definition

Many of us believe that loan and leasing are two different names of a single purchase process. However, this is not so, because these terms have a different definition and mechanism of action:

Leasing is a way of buying a vehicle or non -residential real estate with a further monthly payment of the cost, which is divided into a pre -established period. Until the final introduction of the full amount, an individual or legal entity acquires the status of the tenant of this object
Lending is a method of purchase, in which an individual or legal entity monthly pays the established part from the total amount of the purchase cost. At the same time, the liability for the cost of servicing the subject of the contract, unlike leasing, bears the person in whose name a bilateral agreement was executed

When concluding a leasing agreement, the owner of the car becomes the financial company that provided the possibility of purchase with subsequent payment in parts. Thus, the person, whose name was drawn up, acts as a tenant until the last payment.

All services for the registration of the insurance policy, documentation and maintenance of the vehicle are laid on the shoulders of the bank or financial representative. And the funds that will be paid in the future are addressed not to the seller, but by the organization that previously bought this object.

It is worth noting that in the case of the conclusion of a leasing agreement, and when applying for a credit agreement, except for the main part from the broken down initial value of the car, it is necessary to pay percentage for the use of the subject of the contract monthly.

Using these methods, you can purchase:

Taxi taxi
Technical objects (snowpipe, lifting cranes)
Trailers
Passenger and trucks (new and with mileage)
Items of agricultural equipment (tractors, hayfields)

How leasing differs from the loan: comparison, the difference in leasing and bank loan in simple words

Leasing and loan have a number of differences, based on which, a person can decide on the most profitable way to make a purchase. In order to understand what is the difference between these types of conclusion of the transaction, it is necessary to analyze the advantages and disadvantages of each of them. The significant advantages of leasing are:

The subject of the contract for the conclusion of leasing can serve as a larger number of available objects than when applying for a loan
The deadline for consideration of the applied application varies from 1 to 4 weeks
Search and choice of goods falls on the shoulders of representatives of the leasing company
Time spent on depreciation does not exceed 3 years
The deadline for making monthly payments may reach 5 years
The registration of the insurance policy and technical inspection of the car is included in the package of services of the leasing contract
Until the full redemption of the desired object from the company, a person is exempted from the payment of property tax
At the beginning of payment of the mandatory monthly amount, an individual or legal entity acts as a tenant, therefore, the purchase of components and the technical support of the vehicle is paid by the company with which the contract was concluded
In case of financial inconvenience, the tenant can agree on a change in the amount of monthly payment, as well as extend or reduce the validity of the agreement
Since VAT is included in the amount of the monthly payment, in some cases it may be returned to the payer
The ability to purchase a supported vehicle
Lack of minimum mortgage amount

The negative characteristics of leasing services include:

Before registration of the agreement, the company's employees check the credit history
The tenant does not have the right to dispose and own a leasing purchase until the last payment

The positive aspects of lending include:

The possibility of quick purchase in the bank branch
A person can own and dispose of the car if he does not act as a pledge
The possibility of independent choice of the agreement and the amount of monthly payment
The minimum advance amount may vary from 10 to 30%
When applying for permission at the bank, a person has the right to go abroad in a credit car
By agreement, the vehicle can be sold
In the case of early repayment, additional commission and interest do not accrue interest

However, lending has a number of negative characteristics. Among them, they highlight:

When applying for a loan agreement, bank employees are not involved in resolving issues about the search and choice of goods
Lack of the possibility of acquiring a used vehicle
The time spent on depreciation varies within 6-7 years
Lack of VAT refund
The deadline for consideration of the application is from 3 to 6 weeks from the date of submission
The insurance policy must be selected by agreement of both parties
Employees check the credit history
Change the terms of the contract and extend the term of payments cannot
You can re -register a car to another person, but this will require permission to issue a loan
When buying a mandatory factor, the payment of a property set in the amount of 2.2% of the total cost of the machine is
Payment for technical inspection and purchase of components of spare parts is not paid by the bank

It is worth noting that interest on the use of credit or leasing services may vary significantly, depending on each individual company. Therefore, this factor cannot be attributed to positive or negative characteristics.

Advantages of leasing over a loan for legal entities and individuals: description, benefits

Leasing has a number of advantages that favorably distinguish this type of transaction from lending. Thanks to these factors, both individuals and legal entities receive more than just rent with further repurchase of the object, in the process of concluding an agreement. The positive aspects of leasing design for companies and individual entrepreneurs include:

Lack of introduction of a mandatory collateral amount
Possibility of quick conclusion of the contract
Payments of leasing amounts do not affect the balance of assets
The ability to use fast shock absorption
Legal entities can return the previously paid amount of VAT
Any car can be bought by a leasing company, including used
The validity of the contract and the amount of monthly payment are specified individually

For citizens of our state, when buying a leasing car, it is possible to participate in the All -Russian preferential program. However, there is a list of mandatory conditions for its receipt:

The size of the subsidy should be 10% for one vehicle
The period of participation in the program should not exceed 3 years
The subject of the contract can only be those cars that, in the manufacture, have passed the assembly process in the Russian Federation
The amount of the subsidy does not exceed 550 thousand rubles for one car, and not higher than 10 million for one tenant
Borrowers of car, cargo and other types of cars can participate in the program, including those that have a trailer

Also, in order to obtain benefits for leasing, you need to familiarize yourself with the following rules:

The program participant has the right to choose a car on your own
The machine can refer to a foreign or domestic brand, but without fail - to be collected in our state
When breaking the contract, the tenant does not spoil his own credit history
To conduct these transactions, the company is obliged to have a certificate confirming permission from the Ministry of Industry and Trade
The size of the first payment may vary depending on the class and age of the machine
OSAGO is mandatory
The age and brand of the vehicle will affect the size of the rate
Both individuals and legal entities can become a participant in the program
CASCO is not an obligatory element of design

Individual entrepreneurs and companies have a number of their advantages and features that affect the possibility of obtaining preferential conditions. Among them:

Legal entities must be registered in the Unified State Register of Legal Entities and conduct activities for at least 6 months
The amount of the amount of VAT, which can be returned equal to 18% of the total cost
You do not need to enter data on the declaration of purchase

Among organizations that collaborate with the All -Russian preferential program:

VTB Leasing - the first payment from 10 to 39%
Major Leasing - from 10 to 49%
Reso-varies within 0-50%
Europlan - primary payment is at least 10%
KAMAZ - a mandatory amount of at least 20% of the total cost

Comparison of leasing and commercial credit: example, tax deductions

Conditions of commercial loan and leasing proposals are significantly different when concluding an agreement, both with physical and legal representatives. The essence of lending is due to the possibility of purchasing a car in installments. The actions of leasing companies can cover the following purposes of drawing up an agreement:

In order to use a car to provide services to other persons
A person can draw up this type of transaction for the purpose of further redemption
For the purpose of the long -term rental of the vehicle

The difference between a commercial loan and leasing

The commercial loan differs from leasing in the following characteristics:

For depreciation during lending, it will take at least 5 years, while with a leasing agreement the maximum term is 3 years
The initial contribution is mandatory in the execution of a credit agreement, and the leasing companies do not need it
Leasing allows you to rent a car for a while and in the future, return it to the balance of the company
Lenders do not consider proposals on the execution of an agreement in which a car with a mileage acts as a product, while leasing firms agree to their ransom
Legal entities can return 18% of the amount of VAT payment if there is a leasing agreement
The period of consideration of the application in banks is much longer
When leasing, a change in the validity of the contract and the amount of payments are provided

As an example, take a new car worth 2 million rubles. When concluding a credit transaction, a monthly payment will be about 80,000 thousand, while with a leasing purchase - 40,000 rubles. At the same time, it is impossible to predict the amount that can be spent on maintenance and inspection of the car bought on credit. And in the case of a breakdown or replacement of any mechanisms, the leasing company will incur all the expenses on its own.

However, in the calculation process, the amount that is provided for the return of the vehicle to the balance of the leasing organization was taken into account. If your goal is to purchase a car, then the monthly payment will not differ from the monthly banking contribution.

Which is more profitable, better for buying a truck: a loan or leasing

Depending on the purpose of the leasing agreement, a truck, as well as its components, can be in long -term lease or used for the purpose of further acquisition. When lending, the vehicle must be redeemed. Based on the positive and negative aspects of both ways to conclude a transaction, the following factors can be distinguished:

Under the leasing agreement, you can save personal funds on the maintenance of the car
There are several factors that can reduce the cost of a car in the ownership of a leasing company
Due to work with heavy cargo, the vehicle can fail prematurely, so a quick replacement can be issued using a leasing agreement
There are many leasing offers where you yourself can choose the necessary truck from the recommended list using state benefits
Leasing firms provide the redemption and long rental of special equipment and equipment, so you can save your money
Documents drawing up a minimum amount of time
You can choose a mileage car for long -term rental without overpayment

Choose leasing or loan for buying a cargo car

Based on the foregoing, we can conclude: to choose lending or leasing, depending on the goals and further plans. In case of purchase, the amount in both cases will not differ dramatically. But if you plan to use the car for no more than 5 years, then you should choose leasing. Indeed, with a minimum monthly payment, you can earn much more on this car without having to spend time and funds for paperwork.