Lately increasingly popular among individuals and legal entities becomes car leasing. Sberbank occupies a leading position in this area. It provides individuals and legal entities with the opportunity to purchase a car or other vehicle for personal use and for business development. The banking product is similar in principle to an ordinary one, but it has some differences. It is a car rental agreement under which payments are made.

If the loan car becomes the client's property after signing the agreement and can only act as collateral for a car loan, then the leased car remains the property of the bank until the lessee makes the last payments under the agreement.

All this time, the bank, acting as the lessor, assumes all expenses and responsibility for the vehicle. But this one banking services there are a number of advantages. Since the car remains the property of the bank, it is of little interest credit history lessee. Therefore, this is a great chance for those who were previously denied a car loan. For the same reason, when concluding a contract, a minimum of documents and time for registration is required. An undeniable advantage is allowing the client to independently decide on the payment schedule and amount of payments. By purchasing vehicles in this way, legal entities receive tax benefits.
Leading position of the bank in the Russian Federation

To obtain a vehicle for rent, you should familiarize yourself with the package of documents published on the bank’s website. Then the applicant goes to Sberbank Leasing and draws up an agreement. In this case, the client independently chooses a suitable vehicle and the schedule according to which he will make payments. After signing the contract and receiving the car, the agreement comes into force.

Stages of registration

The procedure is similar for individuals. The only difference is that for legal entities, registration takes place under the accelerated Express program. But for individuals, the procedure takes no more than two days, which is a positive thing compared to a loan. The client can choose a car at an attractive price from the list of partner companies offered by the bank. If desired, the applicant can register a used car. However, there may be no an initial fee, the application processing time will be reduced, but the agreement period can be increased.

Types and brands of cars

Under the Sberbank car leasing program, you can purchase the following categories of vehicles:

• Cars. These can be passenger models, both Russian and foreign. Cars with a carrying capacity of up to 800 kg and models for transporting no more than 8 passengers are acceptable. For individuals, registration of one car (passenger car) is allowed, and for legal entities - several.
• Commercial transport. These are passenger cars for commercial purposes and trucks up to 5 tons (minibuses, pickups, vans, etc.).
• Freight transport. This category includes trucks, refrigerators, tractor units, dump trucks, vans with a carrying capacity of more than 7 tons, as well as trailers and semi-trailers with a carrying capacity of 5-50 tons.

Advantages of the service provided

Feature banking program is to provide a wide range of leasing vehicles that satisfy the needs of individuals and businesses.

Conditions for small business

Those wishing to purchase a car for rent are subject to certain conditions:

• the cost of the car leasing object should not exceed 24 million rubles;
• financing is provided only in Russian rubles;
• the amount of the advance is determined depending on the type of transport, but should not be less than 10% of its cost;
• a flexible payment schedule is allowed: payments can be in equal shares, differentiated or decreasing;
• the contract term is determined by the bank from 1 year to 37 months (in the case of freight transport it can reach 4 years);
• the contract is drawn up according to an accelerated program and takes from 8 hours, but no more than 2 days;
• at the request of the lessee - a legal entity, the purchased transport can remain on the balance sheet of the lessor or put on the balance sheet of the enterprise ( this rule does not apply to individual entrepreneurs);
• All cars are subject to MTPL and CASCO insurance, which can be obtained from a bank.

Conditions for car rental

The differences concern advance payment amounts and the duration of the contract.

In the case of car leasing for legal entities, according to the terms of Sberbank, it is provided Express program, allowing you to arrange a service in 8 hours. At the time of applying to the bank, applicants must be registered as an individual entrepreneur or legal entity for at least a year, and have a stable financial position. They should not have debt on government payments.

Leasing– effective financial instrument to update production capacity. It allows you to purchase equipment with the investment of a small start-up capital. All primary purchase costs are borne by the leasing company.

CJSC Sberbank Leasing – services for business

CJSC Sberbank Leasing has been operating in Russia for more than 20 years. The services offered by the company change according to the needs of clients. Today Sberbank Leasing offers the following financial products for business owners:

Express leasing:

• Decision made within 9 hours.
• 6 documents from the client for analysis.
• Opportunity to use special offers from partners.

Standard-Leasing:

• The cost of equipment is up to 300 million rubles.
• Making a decision within 12 days.
• Simplified preparation of contract documentation.

Leasing Project:

• Financing up to 15 billion rubles.
• Flexible payment schedule.
• Advance from 0%.
• Individual interest rate.

Leasing is provided for the purchase of passenger and cargo transport, ships and aircraft, rolling stock and special equipment. In addition, Sberbank Leasing is a market leader in the financial leasing of real estate segment. Legal entities and individual entrepreneurs can become participants in any of the listed programs. Leasing services for individuals Sberbank does not provide for them.

Is it possible to calculate the cost of financial lease in Sberbank Leasing on the official website. Calculator

Sberbank Leasing does not have a calculator for calculating payments on its official website. However, you can determine the value of the contract using standard program. You can download the file in .xls format from the link.

In order to make a calculation, you must fill in the following information:

1. Initial cost of equipment. You can find it out on the supplier’s official website.
2. Leasing term. Maximum – 60 months.
3. Increase in leasing price for the entire period. Leasing objects purchased through a special promotion have the least increase in price.
4. Advance payment. Indicated as a percentage of initial cost equipment.
5. Cost of insurance. Insurance of the leased item is mandatory and is calculated as a percentage of the initial cost of the purchased equipment.

After filling out the data, the client receives a calculation full cost equipment, insurance amount and monthly lease payment.

For example, a client decided to lease an Audi A8 Long. By special offer The cost of the car is 3,200,000 rubles.

• Advance payment – ​​45%.
• Leasing term – 12, 24, 36 months.
• Insurance – 3.1% of the value of the leased property.

The monthly lease payment will be:

• For a leasing term of 12 months – 173,818.18 rubles.
• For a leasing term of 24 months – 89,739.13 rubles.
• For a leasing term of 36 months – 63,314.29 rubles.

Increase in property price: from 135,200 rubles to 456,000 rubles, depending on the leasing term.

How to leave a request on the Sberbank Leasing website

The execution of a leasing agreement begins with filling out a preliminary application on the website.

The application shall indicate:

1. Company name.
2. Organizational and legal form: LLC, CJSC, individual entrepreneur, etc.
3. Last name, first name and patronymic of the contact person.
4. Phone and email.
5. Address of the nearest Sberbank Leasing branch.
6. Type of property purchased: passenger or cargo transport, special equipment, aircraft, etc.

After filling out all the fields, you need to click the “Submit” button. The request is processed within three working days, after which the potential client is invited to the office. If the leasing application is approved, you need to prepare a package of documents for analysis. Full list documents are on the website.

Sberbank Leasing – customer reviews

Ignat, 46 years old. Director of StopCar LLC, Kostroma:

“I trust Sberbank. A large, stable company, there are many special offers for clients. We purchased a Volvo loader here 2 years ago. The lease was taken for 3 years, but was paid off ahead of schedule for 1.5. No sanctions followed. When calculated, leasing turned out to be cheaper than a consumer loan.”

Elena, 36 years old. Chief Accountant LLC "Flagman", Syzran:

“Despite the extensive advertising campaign about the most low rates under leasing agreements, the terms of the transaction turned out to be unfavorable. There is much more interesting offers. And we waited about a week for a call from the manager instead of the stated one or two days. There is no calculator on the Sberbank Leasing website; everything had to be recalculated manually.”

Peter, 42 years old. Individual entrepreneur, Bataysk:

“I was choosing between leasing and a loan, I settled on the first option - a smaller package of documents, I very successfully got a Citroen car from the promotion. Managers are polite and unobtrusive. They explained, suggested, helped to calculate everything. The increase in price over 2 years is only 3.5%.”

Leasing is a common word, but few people know its meaning. Leasing is a rental agreement under which payments are made. Initially, a car or real estate belongs to a bank or some company - a leasing company. When the lessee pays off his entire debt, the “purchased” item becomes his property.

The registration process can be represented as follows: an individual – the lessee – chooses a car or real estate according to his desire and taste. A leasing company or bank purchases the selected item and signs an agreement with the individual, which indicates the price of the item and the amount monthly payment. The company is the owner of the subject of the contract and assumes responsibility for maintenance and other expenses. Once the lessee has paid off his debt, he becomes the owner.

Leasing is much faster. It is “approved” even to those applicants who were denied a loan. But in Russia, despite the simplicity of registration and lower requirements for the borrower, leasing is not popular. True, for last years the number of contracts for cars has increased.

Leasing or loan?

Leasing and credit have been competing with each other for a long time. They are similar in principle, but there are also significant differences.

Positive aspects of leasing:

1. Since the owner of the car or real estate is the lessor, he is of little interest in the credit history of the borrower, in contrast to the ability to obtain a loan. Leasing is a kind of long-term rental. Due to this fact, the required package of documents is reduced to a minimum. Sometimes just a passport and a second document are enough. Review of the application takes several hours, or at most one day.
2. If a borrower wants to purchase a car based on a leasing agreement, the company or bank provides him with a huge choice. Here you can consider options, both foreign-made and inexpensive domestic cars. As for real estate, for example, choosing an apartment, you can consider options for secondary and primary housing.

Disadvantages of leasing services:

1. This service is slightly more expensive than a loan. There are no hidden fees, and you won’t have to pay for account maintenance. But at the same time, the leasing company or the lessor bank bears all the expenses required to maintain the subject of the contract. Such savings can cover the entire overpayment for the service.
2. Until the subject of the agreement has passed into the ownership of the lessee, he does not have the right to carry out any manipulations regarding modifications.

Leasing for individuals is more relevant than ever

A similar service can be obtained by individuals at Sberbank. The most common subject of a contract is a car. The borrower can choose it himself, and also present everything to the bank. Required documents. These include a passport, driver's license and income certificate. Here bank employees do not look closely average earnings client, they only care about the fact of availability. And Sberbank established such requirements only so that, under the terms of the leasing of this lessor, the borrower would bear all the necessary expenses for vehicles himself.

An individual can enter into an agreement only for the purchase passenger car. The registration procedure does not take much time. Approval takes place within a few hours. The contract is drawn up for up to 10 years, during which the borrower must make monthly payments. There is another advantage here. At any difficult moment from a financial point of view, the borrower can write an application for deferment. He does not have to bring additional certificates and documents confirming his insolvency in this moment.

The leasing agreement implies an initial payment of 10 to 30% of the cost of the purchased car. The rise in price of the car itself ranges from 5 to 8%.

As of today, Sberbank has suspended the issuance of leasing services for individuals. But actively finances legal entities and individual entrepreneurs. They provide financing for cars, both trucks or special equipment, and real estate. A car can be leased under two programs: “Light” and “Standard”. In the "Light" program it is understated advance payment up to 10%, but the rise in price of the car is too high. In the “Standard” program, the advance payment is 20%, but the increase in price is only about 6%.

As for real estate, Sberbank also offers two options. One option is based on financing from the lessor's bank at 80%. Another option is to completely buy out the property and transfer it to a legal entity for long-term leasing. For legal entities, the leasing period is significantly limited - it does not exceed 37 months.

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Leasing is one of the financial assistance options that allows you to first rent a car and then become its owner. The popularity of this banking service is steadily increasing. After all, not every person can pay a lump sum amount equal to the cost of the car, and then you will have to either borrow or save for a long time. A loan received in financial organization, is associated with a large overpayment. In addition, there is also paperwork, as well as a long processing time. Therefore, the best alternative is car leasing from Sberbank.

Advantages of leasing from Sberbank

In this direction financial activities is handled by the subsidiary of this credit institution, Sberbank Leasing. Works with representatives of small, medium and big business, branches are open in most major cities of Russia. The volume of its leasing portfolio, according to data for last year, amounted to 500 billion rubles.

Among the advantages of cooperation with Sberbank Leasing, experts highlight:

• reliability. International rating agency Fitch Ratings has repeatedly confirmed the impeccable business reputation of this company;
• territorial accessibility. Residents of 64 can use the services of Sberbank Leasing Russian regions, as well as citizens of Belarus and Kazakhstan;
• efficiency. An application for any of the company’s conveyor products is reviewed within 10 working hours;
• minimum number of documents (6 positions in total);
• Availability special programs for the purchase of equipment from world leaders in the automotive industry;
• no need for large amounts of distraction working capital. Additional guarantees and collateral are also not required;
• no hidden fees;
• optimal insurance programs for the transaction.

About leasing conditions

Leasing provides an opportunity for a means to be used in economic activity the company he owns. The lessee can choose any domestic or imported car.

The terms of the program are as follows:

• the amount of financing for the purchase does not exceed 24 million rubles;
• advance payment – ​​from 10 to 49% of the cost of the car expected to be purchased;
• you can choose the appropriate type of regular payments - differentiated, decreasing or annuity;
• The standard duration of a leasing agreement is 1, 2 and 3 years. And the maximum duration is 36 months (for trucks - up to 48 months);
• the lessor allows himself from 8 hours to 2 working days to complete the transaction;
• financing currency – rubles;
• The lessee can place the purchased car on his or her balance sheet. The second option is that the vehicle remains on the lessor’s balance sheet, which is what applies to individual entrepreneurs;
• Insurance of the subject of the leasing agreement is carried out in mandatory(and you need to purchase not only, but also on insurance compensation original cost vehicle).

Seized cars

Not all Sberbank clients fulfill their obligations financial obligations By loan agreements or leasing agreements. In special cases, a financial institution uses its right to mortgaged property and seizes the vehicle from the willful defaulter.

Sberbank's sale of seized cars under leasing terms is aimed at our average compatriot. First of all, these are price benefits. Often the value of confiscated cars is below market value. The reason for this phenomenon lies in the fact that their maintenance requires expenses, while Sberbank seeks to obtain working capital.


The price of a confiscated car is determined by the price specified in the contract. estimated value. This factor excludes the possibility of banks manipulating this characteristic of seized vehicles when selling them.

However, there are cases when the loan debt and the amount of accrued interest are higher than the cost of the car. Then the bank will continue to demand the missing funds not only from the borrower, but also from insurance companies.

Having decided to purchase a seized car, first carefully study the property register on the Sberbank website.

The number of offers there is limited. But you, by at least, you can find out the estimated cost of similar cars.

Used cars

The issue of leasing a used car has its own characteristics. Let's look at just a few of them

Firstly, here, of course, you need to understand that the list of used cars offered by Sberbank for sale under leasing terms does not include cars sold on the city car market. We are talking mainly about cars that were not finally purchased by the lessee and remained at the disposal of the lessor.

Secondly, the conditions for the procedure for leasing a previously used vehicle are somewhat different from the standard purchase of a car on leasing. The main differences are:

1. There is no initial lease payment. The reason is the relatively small monetary risk of Sberbank, because the cost of a used car is low.
2. More long term validity of the leasing agreement.
3. It takes less time to make a decision on an application for leasing a used car.

In paragraphs 2 and 3 are about comparison with leasing new car.

And thirdly, there are restrictions on the age of the car. They are usually installed taking into account the country of origin. Maximum age for a car Russian production, as well as CIS countries - no more than 3 years. For vehicles coming off the assembly lines of automakers from the USA, Japan, South Korea and Western European countries - no older than 7 years. Details about in various ways and conditions for purchasing a used car on lease - in a separate section.


For companies and organizations with the status of legal entities

In our country, leasing services are used not only by individuals, but also by legal entities. Moreover, the latter are more common than the former. It is convenient for a legal entity to lease a passenger car if it is planned to actively use it for the delivery of small cargo or as a taxi. During active use, mechanisms and components wear out quickly, but if the machine becomes unusable, it does not need to be bought back.

Car leasing for legal entities under Sberbank terms is more profitable credit program the following reasons:

• It is easier for legal entities to conclude an agreement to lease a car than to obtain a loan for its purchase. Financial institution takes seriously the verification of the solvency of a potential borrower and may require financial statements over the past few years;
• none additional expenses on the contents of the leased car. Since the car remains the property of Sberbank, it is not listed on the company’s balance sheet. Therefore, there is no need to pay taxes on it;
• the ability to maintain a new car in perfect condition without spending money: leasing assumes that the lessor is responsible for repairs and maintenance of the vehicle during operation.

And if the car turns out to be unsuitable for work, the contract can be terminated without any problems and the car returned to the owner.

What to choose – car leasing or car loan: Video

Are you planning to start a new business or expand an existing one? Nothing could be easier! Apply for leasing necessary objects real estate, transport, equipment and get maximum profit.

What is leasing?

The concept of leasing includes a type of lending, more precisely, renting property with a subsequent option to buy it for a long period. To put it simply, the bank buys the property he needs for a partner and gives it away for use for rent.
Sberbank offers leasing services for all types of transport, equipment for farmers and builders, and real estate. Medium and large businessmen can lease sea, river, aircraft and railway transport from Sberbank.
The procedure is as follows: the lease recipient selects the car/vehicles, equipment or real estate he needs, the bank purchases and gives the selected leased item to the partner for use. An agreement is concluded indicating the purchase price, monthly payments and the possibility of purchasing the leased asset into ownership.

Leasing at Sberbank for individuals

At the moment, an ordinary person who is not an entrepreneur can apply for leasing only for the purchase of a passenger car. Leasing a car is more profitable and convenient than taking out a loan.

Required documents:

1. Passport;
2. Driver license;
3. Document confirming income

The requirements for the leasing recipient are not very high; the very fact of having an income is important so that the borrower can meet the requirements for payments and transportation costs. Registration takes place within one business day; the term of a leasing agreement is much longer than that of a loan.

• Another plus: in a financially difficult moment for the lease recipient, you can ask the bank for a deferment of payments. There is no need to re-assemble the package of documents to confirm temporary insolvency.

The down payment ranges from 10 to 30% of the purchase price, depending on the chosen program.

• Plus: leasing can be applied for by those who were denied a loan. Despite this, only a small part of citizens purchase cars on lease. The leasing service is little known and not popular. For this reason, Sberbank temporarily does not issue leasing for individuals.

Advantages and disadvantages

Since the owner of the leased property is Sberbank, it is not interested in the credit history of the borrower. The review of the application itself takes several hours, a maximum of a day.

• In the “Standard” program, the maximum down payment is 30% of the cost, but total percentage overpayment is minimal. For the Light program, the first payment is only 10% of total cost property leased.

The agreement is transparent for the leasing recipient; there are no commissions, which are called hidden. Sberbank, as the party representing the lease, assumes the costs of maintaining the leased property.
The downside is that the borrower only has the right to use the property; it cannot be altered or carried out any actions not specified in the contract.
The maximum term of the leasing agreement is 37 months.