Vіdminnіst leasing vіd credit: why raznitsa

Today, the satisfaction of financial needs, the order from lending has become clear, like leasing. In fact, two financial propositions seem to be similar, and in that, and in a different situation, the cost is paid in full obliga- tion with hundreds of dollars. On the other hand, two terms may be the essence of difference between themselves, and two financial products are absolutely different for clients. Vіdpovimo for food, why the difference is between credit and leasing, the designation of terms.

What is a loan

A loan from a bank is the price of a position, mutually pleasing the minds of the creditor and the borrower, which are characteristic of such signs, such as terminology, payment and repayment. In simple words, the bank gives the banker money for the implementation of the first goals of the chi spozhivchih needs for the assignment of the lines of the contract with the payment of the bills.

The advantage of a bank loan is that you can get good money for the same reason: I will buy a non-volatile car or a non-cash consumer. And just like that, it’s necessary to pay for a loan and leasing, which means that it’s worth it to the employer to pay for the purchase of a car.

Appointment for leasing

Leasing - ce agreement of a new line of lease with an upcoming contract after the end of the term of yoga activity.

The leasing scheme is simple, the client chooses a car, pay for a new cob deposit and submit it to the authorities by stretching the term of the contract, after, you can either add it for a redundant variant, or turn it around. Tobto, in fact, there is a discussion about the financial lease of the lane, mainly the wines are expanding to buy a dry lane, moreover, physical individuals can also be able to take a car on lease, the same is the main food for them, which is a loan or a lease.

If you want to note that in the banking position and leasing are similar risks, then the lessor is also guilty of regularly paying monthly payments for the lease agreement. When tsmu sled designate, scho overpayment for the leasing agreement є dosit great.

Vіdminnіst mіzh position and financial lease

The main thing is the LIZINGA VID to the loan Polega in the one, when the credit agreement is a loan of the Posary, I will have a koshti on the realization of the Singeen-Mati, the other Variant, a number about Dogovir Lіzinga, Vin in Orel, Tobto Mino. Ale z іnshoy side, in both vipadkakh pozachalnik or leasing oderjuvach otrimu bazhane mine for mutual agreement, for the payment of return. By the way, under a loan agreement, the borrower may have the right to choose to buy that number of items, and under a leasing agreement, he is no longer assigned by a mine agreement.

Let's take a look at the advantages of leasing before a loan:

1. The agreement for leasing is laid down on clear minds, so that the client knows all about the future and his financial vitraty.
2. Deposit under the leasing agreement, call, lower, lower for the loan agreement.
3. When it comes to leasing a transport insurance, then companies that provide services, take credit for insurance and maintenance.

Now let's look at the low shortcomings:

1. Pіdsumkova varіst mаna mozhe bіshoy, nіzh under the contract of bank credit.
2. After the completion of the terms of the lease agreement, the client may pay the excess amount of the leased lane.
3. For violation of the lease agreement, in order to have this option, if the client stops making a lot of payments, the landlord may have the right to take the mine without blowing it.
4. Mine to go over to the authority of the client only after the completion of the term of the agreement and payment of the overage of the item.

Indeed, leasing, especially private clients, has been the culprit of our country for a long time, but in the legislator's rank, such agreements began to be regulated for more than 2000 years. In addition, the agreement on leasing will be limited to motor transport costs for physical services, or other costs for legal services. Moreover, physical individuals began to earn money with a lease agreement from 2011 to the year and dosі financial service rebuying at the stage of their molding and development, before that there are few leasing companies in our country.

Until then, it should be noted that physical individuals are not so actively corried by the lease agreement for these reasons, that the bank loan scheme for them is richly close and understandable. In order for the employer to get a sufficient package of documents, confirm his payment capacity and choose to buy on credit. Let's draw up a loan agreement and pay the same amount of money to the bank accounts. Here a bank loan, por_vnya s leasing, more intelligence for a potential koristuvach.

How does leasing look like a loan? There is no intermediary between the guarantor and the bank, another side of the lessor is declared in favor of the lease, which may have all the rights to the subject of leasing, which may pass to the client for the mind, without violating the mind of the lease agreement. In addition, the lessor may have the right to determine the order of choice of the subject of the lease until the full junction.

Butt rozrahunku for physical osib pid hour car loans or car leasing

Also, for the beginning of the month before bank lending, actually the bank loan for the purchase of a mine, for example, a car can be borrowed heavily from the policy of the credit and financial organization. And here the potential candidate has no need to choose, so that he himself has the right to turn the bank, which propons the nayvigidnishi mind. And here you want to know which banks can get a lot of money and in some of them you can get a really cheap loan or a big loan to buy a car.

Leasing agreement scheme

Dali, take a look at the bar, if you carry a potenciy pozychalnik. Nasampered - ce cob making, which is to become 10-20 vіdsotkі v vartosti avtomobilіl. But again, I’ll tell you, let’s say, that the bankers are ready to give a bank position without a primary deposit, for example, for the benefit of additional guarantees from looking at the bail of physical deficiencies, or make another banker pay.

In the middle of other cases, the applicant needs to draw up an insurance policy in order to put in this option a car that is to be bought, and here the bank also has specific benefits. So, like a car that is being bought, it acts like a gate, it is guilty of maximum theft in various types of risks, including new expenses and theft, apparently, the person who has to buy the CASCO policy.

Even before the shortfall of bank lending, you can pay fines and penalties for disrupting the payment schedule. That way, if the debtor does not immediately pay in the account of repayment of debt, the bank will charge an additional fee. And the axis for a leasing agreement such a contract may not be transferred.

Otzhe, zrobimo razrahunok for physical expenses from bank crediting for the purchase of a car. Let's take a look at the loan with the following parameters:

• loan amount - 800,000 rubles;
• cob deposit - 200,000 rubles;
• varity of transport allowance - 1 million rubles;
• interest rate for a loan - 21% per day;
• crediting term - 5 years.

From the same time, if you look at the loan calculator, then the amount of the monthly payment, the repayment for the annuity system, becomes 21,643 rubles per month. In addition, don’t forget that CASCO insurance is expensive for the client, even if it stretches the entire term of crediting, it stretches 5 years, and regularly draw up the debtor for the money of your money.

Yakі vitrati can carry the order? Nasampred, the price of the advance payment, this rozmіr is set by the lessor in an individual order, for example, vin can be 10, 20, 30 or 50% of the car's cost, so it's about car leasing for physical needs. Before speech, depending on the policy of the leasing company, it is possible to issue a contract without a cob deposit, which is individual.

If you have high rates, then it’s impossible to determine exactly their size, everything depends on the policy of the leasing company. Before speech, it is impossible not to notice that the overpayment for leasing can be less, lower for a loan agreement for the account of the fact that the lessor can earn a reduction of up to 30% on a car with a test. I, nareshti, here the lessee does not carry insurance for car insurance and yogo technical services, their arrears are already included in the arrears.

To pay respect, at the time of the payment of the lane from the fault of the leasing operator, to carry out repair work with the help of your own money, while continuing to pay the schomisachny payments for the lease agreement.

As for the cost of renting leasing payments, then there is a lot of stink in what lies due to unknown factors, including the interest rate, it can be more low at the bank, so less, the sum of the first one will be added to that line of the contract. Possibly, if you pay for it, you can also pay for it, as if with a bank loan, or at some point in the term of the leasing agreement, the renter can deposit an amount to pay off the excess vartosti of your car and transfer it to the authorities, until that moment you will be the ruler lessor. In addition, at that moment, if you pay for the contract, the subject of leasing without a court will be transferred to the lessor.

What do you see

If you choose between leasing and lending, then you should choose the first option. Why? To the extent that two propositions of leasing and a loan for buying a car are equal, then the repayment for the loan will be, without a doubt, more, plus a cashier’s wife draws up insurance and carries other charges. In the situation with the leasing of a loan, you yourself carry the lessor, but after the termination of the term of the loan, the car is withdrawn from the authority of the renter, and in the leasing agreement you go back to the lessor. And if you want to rent an order, you will have to pay about half of the amount of the market price.

Respect that the transport cost for the lease agreement should be transferred from the authorities to the leasehold only after you have paid off the excess arrears at the time of completion of the lease.

In this manner, the leasing of the loan shows that the banking position is cheaper, lower financial rent. Otherwise, if you don’t plan to buy a car from the authorities, then you don’t have a chance to apply for a loan to the bank, and after the completion of the leasing agreement, you can turn a new subject and put a similar agreement on your lease. And in case of financial impossibility of renting the object of leasing, simply go back to your vlasnik.