A few years ago, leasing transport was a service that could only be used by business entities for their business tasks, now it has become available to ordinary people.

The category of commercial vehicles includes vehicles intended for profit from their use. By signing a leasing agreement, the client gets the opportunity to buy a vehicle, without money for the purchase and collateral for a loan.

What it is?

A person who wants to take advantage of all the advantages of personal transport has three options for this:

• Buy a vehicle with your own money.
• Buy a car on loan.
• Take a car for rent.

Purchasing a vehicle on lease is a combination of the second and third options, which can be applied in a situation where a person does not have the opportunity or desire to use the first one.

In fact, leasing is a long-term car rental with or without the next purchase. You can rent a car without a down payment.

Where to buy?

The simplest scheme for registering vehicles for leasing: the buyer himself chooses the necessary transport and comes to the leasing organization to complete the transaction.

It does not matter where the seller is located. There are many organizations where you can lease commercial vehicles.

Car leasing companies

Company	Description
VTB Leasing	one of the largest Russian leasing organizations. In its work, it follows the principles and preserves the values ​​of the international financial VTB Group, guaranteeing its customers high standards of work, perfect service quality and professional approach.
VEB-leasing	Offers a special program for the purchase of commercial vehicles on lease for small and medium-sized businesses. For the clients of the organization, there are available conditions for the purchase of vehicles on lease.
Sberbank Leasing	offers financing services for the purchase of commercial vehicles to companies and private entrepreneurs. The purchase of commercial vehicles from Sberbank Leasing will become a solid foundation for building a business, and will also allow you to change or expand the organization's car fleet.
Europlan	The auto-financial organization consists entirely of foreign capital, specializes in providing a complex of automotive and financial services for physical and legal persons.
SOLLERS-FINANCE	One of the leading leasing organizations in Russia. It offers its customers the equipment of almost all the brands listed on the market. Guarantees absolute transparency and no hidden fees.
Element Leasing	One of the leaders in car leasing in Russia. Buying any equipment on lease, you get all the advantages of leasing and the possibility of using transport now. Leasing of commercial vehicles is one of the main types of material services provided by Element Leasing.

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How to lease commercial vehicles?

Legal entities can lease commercial vehicles. and physical faces. This type of financial lease is beneficial for businesses and private owners. No need to borrow funds or withdraw them from circulation, look for guarantors or provide property as collateral.

To buy a vehicle on lease, you should act according to the following scheme:

• Decide on the type of car.
• Choose a leasing company.
• Sign documents and conclude a deal, according to which the leasing organization will buy a car from the seller and lease it to the user.
• Make an advance. Usually it is 10% of the price of transport.
• Arrange insurance.
• Dispose of transport, every month, paying a certain fee.
• Redeem the vehicle at the end of the agreement period (you can lease the vehicle for a period of 1 to 5 years, after which the user will have the right to buy it completely by transferring financial institution residual funds).

Terms for legal entities

Leasing conditions for commercial vehicles vary in different organizations. In some organizations that sell property, they offer to buy equipment on Trade In terms, when vehicles or special equipment are given to the recipient of the lease.

The lease price is set as a percentage of the lease. It is similar to bank loan costs. But more often the rise in price of the subject of leasing is applied. This is the ratio of the amount of the overpayment to the price.

Calculated for all time or for a year. The percentage rise in price depends not only on the price, but also on the amount of the advance payment. Therefore, the percentage rise in price is insignificant and usually equals from 5 percent per year. Some organizations may offer zero percent at a discount from the seller.

For the entire period of leasing, the transport is insured against CASCO. Other insurance arrangements are likely. the lessor is the owner of the vehicle for the duration of the lease. The balance holder can be both a leasing organization and a tenant.

At the end of the agreement, the transport remains with the tenant or is given to the lessor. Redemption at the residual price may be envisaged. Some organizations offer assistance in the sale of commercial vehicles, both at the end of the agreement period and in case of difficulties in paying the lease.

Upon signing the agreement, the tenant is given a payment schedule. You can pay the same amounts or with a decrease. A likely option for changing payments throughout the year if the tenant's work is seasonal. Failure to pay on time is punishable by penalties and fines.

The Commercial Vehicle Buying Program offers deal making for legal entities. persons for the purchase of vehicles weighing up to five tons.

Leasing terms

For individuals

Many leasing organizations for physical. individuals have developed special leasing offers, which can be used to buy both new and used cars.

Leasing terms

Standard forms of contracts

In a lease relationship financial type In addition to the leasing agreement, a purchase and sale agreement is invariably signed.

If necessary, they can sign:

• Collateral agreement.
• Surety agreement.
• Insurance agreements.
• Warranty Agreement.
• Loan agreement and others.

Each leasing organization forms its own series of model agreements. As an example, consider the commercial vehicle leasing agreement from VTB Leasing.

Required documents

In order to obtain a lease, a prospective borrower is required to provide title documents and financial papers for a certain amount of reporting time (depending on the leasing organization).

Required papers

For the object of leasing, the client submits a preliminary specification, which contains the main characteristics of the object of lease.

Requirements for the lessee

To purchase commercial vehicles on lease, the borrower must prove his own creditworthiness. Therefore, the operating time of an organization or an entrepreneur cannot be less than six months.

Requests to the leasing recipient

Typically, leasing organizations do not lend new business. But with the guarantee of a stable financial organization, commercial vehicles under a financial lease agreement can be won by a newly opened organization or a recently registered entrepreneur. Requests to the guarantor are the same as to the recipient of the lease.

To transport

In financial institutions, it is possible to lease both new and used commercial vehicles. But for vehicles with mileage there are limitations. It must be serviceable and not older than the designated age.

Companies usually do not lease vehicles older than 3-5 years. Time may vary by manufacturer. You can lease cars and trucks.

Transport Requirements

Timing

One of the main terms of the financial lease agreement is an advance payment - a partial payment of the leased asset, which the lessee pays at the beginning of the agreement. The larger the initial amount, the Better conditions offers the lessor, the less the leasing payment will be in the following terms. Usually financial institutions offer to invest from 20 percent of the price of transport.

Leasing agreements are long-term. The term of a financial lease is from one to three to five years.

Make a deal

To start cooperation with a leasing organization, the client submits an application. Many large organizations post an online statement on the official resource. An expert will call by phone and invite you to the office to sign the agreement. The requested number of papers is attached to the application. The decision is made about a week. Times may vary from organization to organization.

In the situation of confirmation of the application, a leasing agreement and the necessary accompanying agreements are signed with the client. then the lessor contacts the seller of commercial vehicles and signs a sales agreement.

Transport is given to the recipient of the lease. Depending on the circumstances of the agreement, the lessee or the lessor registers the transport, concludes insurance agreements.

Leasing conditions for commercial vehicles vary in different organizations. They depend on the creditworthiness of the leasing recipient, the size of the initial payment. Many lessors provide Additional services, except for the acquisition of equipment and registration of its lease.

Thanks to leasing, companies and private entrepreneurs have the opportunity to get cars and other equipment for use without withdrawing from their circulation large sum. Our company offers a wide range of light transport on favorable conditions. We have offices in 65 regions of Russia, so individual entrepreneurs and legal entities from various parts of the country can use our services.

Our advantages

Favorable terms of cooperation. Our experts have developed three programs: "Standard", "Express" and "Operational leasing". The company always meets the needs of customers, therefore it is also ready to offer individual conditions cooperation on commercial vehicle leasing for legal entities and individual entrepreneurs.

Wide choose. Our range includes a large selection of cars available for leasing. Mercedes-Benz, Peugeot, Volkswagen, GAZ and many other brands are available. This allows our customers to choose the best car for their budget and needs. We also offer trucks, specialized production equipment, which makes it possible to find all the necessary equipment in one place.

Efficiency of consideration of the application. We make a preliminary decision on the provision of commercial vehicles under a leasing agreement in just 1 day. The preparation of documents and the conclusion of an agreement are also carried out promptly, which will allow you to get the necessary vehicles for use as quickly as possible.

If you are interested in leasing commercial vehicles, call our company or send an application through the online form.

In the article we will consider how to buy commercial vehicles on lease. Let's see if it's possible individuals register a used car and how to calculate lease payments on a calculator. We have prepared a list of documents for concluding a leasing agreement and collected feedback from legal entities and individual entrepreneurs.

TOP-15 companies where you can buy commercial vehicles on lease

MKB Leasing

from 15% advance

• Leasing of cars, trucks and passenger cars;
• Leasing of special machinery and equipment;
• Rolling stock leasing;
• Leasing of air, river and sea vessels;
• Real estate leasing;
• Return lease.

Conditions for the purchase of commercial vehicles on lease

As a rule, leasing companies offer legal entities to buy commercial vehicles on the following terms:

An initial fee	10 to 50 percent
Leasing term	from six months to 4 years
Interest rate	from 12 percent per annum
Application processing time	on average 2 – 3 days
Motor insurance	obligatory OSAGO and CASCO
The amount of the deal	up to 24 million rubles
Additional services for the operation of transport	maintenance; roadside assistance; registration; tire storage; insurance.
Payment schedule	Compiled individually. In most cases, annuity or differentiated contributions are paid.
Possibility of early repayment	Not earlier than 6 months from the date of conclusion of the contract
Transaction currency	Ruble
Security	Commercial vehicles purchased under a leasing agreement

Commercial vehicles for leasing without down payment

Legal entities can take commercial vehicles on lease and without. True, leasing companies do not make such an offer to all their clients, but only to those who meet the requirements:

1. The lessee has an impeccable credit history and reputation.
2. The legal entity has been on the market for a long time.
3. Vehicles purchased on lease have high liquidity.
4. A bond or guarantee may be required.

Please note that commercial vehicles with no down payment are likely to be issued at higher rates. interest rates and with commissions.

How to buy commercial vehicles on lease

We bring to your attention step by step instructions car leasing purchases:

Step one . We choose a company.

Above, we have already compiled for you the TOP-15 companies that lease commercial vehicles to legal entities. Carefully study the conditions on the official websites and choose the appropriate option for yourself.

Step two. We fill out an online application.

It is very easy to do this. The form is available on any website of a company that works with vehicle leasing. When contacting the manager, do not forget to clarify all the terms of the transaction.

Step three. We hand over documents.

The list of documents for the purchase of commercial vehicles on lease from different companies is almost the same. However, financial institutions may sometimes have specific requirements for their customers. Therefore, it is better to check the list with the manager.

Step four. Wait for a decision.

As a rule, the decision to conclude a leasing agreement is made by the company within 2-3 days. Be patient, especially since the wait is not so long.

Step five. Choosing the right vehicle.

So, positive decision accepted in your favor, and now you can safely choose commercial vehicles. Please note that you must specify not only the brand auto vehicle, but also a complete set. The final result of the transaction depends on how detailed you write down the necessary requirements in the application.

Step six. We make an advance.

The application has been approved, the vehicle has been selected, now it is necessary to transfer it to the account of the leasing company an initial fee under contract. It ranges from 10 to 50 percent.

Step seven. We pick up the car.

After the financial institution has received an advance, it purchases the vehicle and hands it over to you. You make a deal and pick up your car.

You can redeem commercial vehicles at the residual value after the expiration of the lease agreement or at any other time, but not earlier than 6 months after the conclusion of the transaction. In the meantime, your vehicle belongs to the leasing company.

Calculation of lease payments

For example, you want to purchase a vehicle worth 549 thousand rubles and are ready to pay an initial payment of 20 percent. The lease term is 2 years. Enter the numbers in the special fields and get monthly payment— 18 187 rubles.

Requirements for lessees

Commercial vehicles are leased to legal entities if they meet the following requirements:

Application documents

To lease commercial vehicles, legal entities need to provide to a financial institution:

1. The charter of the enterprise and its certified copy.
2. A copy of the certificate of registration in tax authority and state registration.
3. Certificate from the Unified State Register of Legal Entities.
4. Protocol on the appointment of the head of the organization and its certified copy.
5. A copy of the passport of the head of the legal entity and all the founders of the company.
6. Report on the financial results of the year.
7. Bank account information.
8. Application for permission to process personal data.
9. Application and questionnaire for obtaining vehicles on lease with the seal of the organization.

Commercial Vehicle Leasing Agreement

Commercial vehicles are leased after signing an appropriate agreement with a financial institution. What are its features?

• A vehicle leasing agreement is concluded between three parties: the lessor (the company that leases the property), the lessee (the company that rents the car) and the commercial vehicle seller.
• A sale and purchase agreement must be signed, and if necessary, a number of other documents: a pledge agreement, guarantees, guarantees and insurance agreements. Each leasing company has its own set of agreements. You can always learn more about them from the manager before concluding a deal.

What rights do legal entities acquiring vehicles on lease have?

1. The ability to return VAT, as well as reduce the tax base.
2. The entrepreneur can redeem the leased commercial vehicle at the residual value. You can do this without waiting for the end of the contract. Many financial institutions provide such rights to legal entities as early as six months after signing the agreement.
3. You can transfer the vehicle to the use of a third party. But in this case, it is necessary to notify the leasing company.

And briefly about the obligations when acquiring commercial vehicles on lease:

1. Carry out maintenance and repair of leased vehicles. Moreover, this will need to be done in car services approved by leasing companies.
2. Car insurance not only for OSAGO, but also for CASCO.
3. Make payments on time under the contract.

What transport can be arranged

Almost any model of vehicle is suitable for leasing: from cars before . Moreover, in Lately more and more leasing companies are conducting transactions not only with new commercial vehicles, but also with used cars. The main thing is that the car is in good condition, and its age is not older than five years (in some companies the bar is lowered to three years).

At the same time, when leasing for commercial vehicles, the brand, carrying capacity and other parameters practically do not matter.

Vehicle leasing for individuals

Not only legal entities can take a commercial car on lease. faces, but individual entrepreneurs as well as individuals. The main thing is that you have fixed income, which you can document, for example, with a 2-NDFL certificate. For individuals and legal entities, not only new, but also used commercial vehicles are available for leasing.

There are special programs in many financial institutions.

The main requirements for individuals who want to lease commercial vehicles: they can only be Russian citizens from 18 to 65 years old, with no criminal records, living in this region not less than six months and the same amount of time worked officially. The presence of real estate that can be left to the leasing organization as collateral will be a big plus for you.

List of documents required for individuals to apply for commercial vehicle leasing:

1. Passport of a citizen of the Russian Federation and its copy.
2. Any second document - a driver's license, SNILS, a passport, as well as a copy of it.
3. Help 2-NDFL or tax return for IP.
4. A copy of the work book or employment agreement.
5. Application form for leasing.

As a rule, this set is sufficient. But the leasing company may require additional documents when leasing used commercial vehicles.

Advantages of leasing

5 advantages of commercial car leasing for individuals and legal entities:

1. Possibility to reduce the tax base.
2. Fast processing of the application.
3. The minimum package of documents for the lessee.
4. Flexible payment schedule.
5. Low interest rates compared to loans.