Sberbank truck on lease for individuals. Car leasing for individuals and legal entities in Sberbank
Acquire property on lease and start earning without worrying about the financial burden together with Sberbank Leasing.
Agree, it is much easier to start a business when you know that you have all the equipment you need to service the needs of your business. But this equipment is not always available for purchase, especially if you start a business from scratch. Yes, and large companies such purchases, such as, for example, several planes, can not always be affordable. But the conditions are dictated by the presence or absence of demand. If the company is doing well, you need to expand in all possible directions in order to get as much profit as possible. When the property is needed now, and the capital is only enough to pay for it, leasing comes to the rescue. Read about what leasing from Sberbank is, what are its advantages and what equipment can be obtained in this article.
Sberbank Leasing: basic information
Leasing - (from the English "lease" - "lease") - a type of long-term lease with the subsequent right to purchase the leased equipment. The lease is carried out with the conclusion of a lease agreement, according to which the lessee pays the lease payments as for the lease. After the end of the contract, he receives the right to redeem the property by paying additional residual value equipment.
At the moment, Sberbank Leasing does not finance taxis, car pawnshops, leasing companies, non-profit organizations and financial institutions.
Parties participating in a leasing transaction from Sberbank:
- Lessor (Sberbank Leasing JSC) - company that is at the expense of own funds acquires the ownership of certain equipment or real estate provided for temporary use to the lessee as a leased asset for a specified fee and for a specified period;
- Lessee (client) - organization or individual entrepreneur who receive temporary possession under a lease agreement for equipment or real estate for a specified fee and for a specified period;
- Seller (supplier) - a car dealer or real estate company that supplies equipment or real estate to a lessor under a sales contract;
- Insurer - an organization that insures transport, property or other risks in relation to the leased asset;
- Policyholder - a legal entity that concludes an insurance contract with the insurer. It can be both the lessor and the lessee.
Risk insurance is a prerequisite for concluding a lease agreement, its need is due to Art. 21 of the Federal Law "On Financial Lease". Insurance is carried out by one or both parties, the procedure for distributing risks is spelled out in Art. 22 FZ.
The lease agreement is concluded on the following conditions:
Financing limit -24 million rubles;
Advance payment amount -10-49%;
Lease term -12-36 months;
Payment schedule:decreasing, seasonal, annuity, differentiated;
Balance holder:lessor or lessee (IE);
Lease currency -Russian ruble;
Delivery contract currency: Russian ruble, euro, dollar.
Leasing terms vary depending on the leased item.
Benefits of leasing from Sberbank
- Lack of collateral: the leased asset is itself a security for the contract without additional collateral;
- Tax reduction: lease payments are charged to cost, reducing taxable base for income tax. Property tax is also reduced due to accelerated depreciation;
- Saving time: all paperwork is handled by Sberbank Leasing, the client only has to choose the property he needs and fill out an application;
- Discounts from dealers and manufacturers: By concluding partnership agreements with car manufacturers, Sberbank Leasing allows its customers to use advantageous offers from partners.
Vehicle leasing
Light vehicle leasing
Financing limit -24 million rubles;
Advance payment amount -from10%;
Lease term -up to 36 months.
Sberbank Leasing provides leasing services to small and medium-sized businesses. Car provision programs were formed with the participation of the largest Russian and foreign car manufacturers, such as
- Nissan;
- Audi;
- Mercedes;
- Land Rover;
- Ford;
- Renault;
- Volkswagen;
- UAZ, etc.
The maximum permissible vehicle weight is up to 800 kg or 8 people.
Commercial vehicles
Financing limit -24 million rubles;
Advance payment amount -from10%;
Lease term -up to 36 months.
Leasing of commercial vehicles is an excellent solution for expanding the company's vehicle fleet, allowing to bring the company's activities to a new level and strengthen its position in the market, and Sberbank Leasing JSC helps business entities with this: customers are provided with a wide selection of cars and trucks of various brands with the maximum allowable weighing up to 5 tons. The lessee may have at his disposal pick-ups, vans, buses, minibuses and other types of commercial vehicles for various areas of business.
Truck leasing
Financing limit -24 million rubles;
Advance payment amount -from15%;
Lease term -up to 48 months.
Freight leasing is a great opportunity to increase business productivity without large expenditures from the company's turnover. Leasing programs "Sberbank Leasing" are designed in such a way that they will suit the needs of most entrepreneurs, small and medium-sized businesses, and the range of cars can satisfy even the most sophisticated customers: you have access to specialized (dump trucks, truck tractors) and equipment general purpose, with various types of bodies (refrigerators, trailers and semi-trailers). Models with a maximum permissible mass of 7-41 t / 3 axles, and 50 t / 4, and 5-50 tons for trailers and semi-trailers are presented. You can lease trucks from the following manufacturers:
- Volvo;
- Mercedes;
- KamAZ;
- Daewoo;
- Isuzu;
- Iveco;
- Ford;
- Renault;
- Hyundai;
- Scania;
- Ural;
- GAZ, etc.
Leasing of special equipment
Financing limit -24 million rubles;
Advance payment amount -from30%;
Lease term -up to 36 months.
By contacting Sberbank Leasing, you can lease special equipment of various specializations: agricultural, construction, road, etc. Sberbank's partners are the largest manufacturers of special equipment:
- Leasing of construction equipment: various types of excavators, loaders, etc .;
- Leasing of road equipment: bulldozers, excavators, rollers with a maximum permissible weight of up to 35 tons;
- Leasing of agricultural machinery: tractors, combines and other agricultural machines;
- Leasing of warehouse equipment: fork, front and other loaders.
Due to a large number of partnership agreements, Sberbank Leasing provides its clients with a large number of special programs, according to which you can lease equipment at a discount or other pleasant bonus.
Leasing of water transport
Sberbank Leasing offers one of the most convenient and effective instruments for financing and purchasing vessels. The company has unique successful experience, high competencies in structuring and implementing leasing projects with sea and river vessels of the world's largest domestic and foreign shipbuilders and shipowners.
Leasing of rolling stock
Sberbank Leasing is one of the leaders in the railway equipment leasing market. The fleet of rolling stock and traction stock, leased, is about 50 thousand units.
The largest clients of Sberbank Leasing are:
- Freight One JSC;
- JSC "NefteTransService";
- JSC "Holding company" Novotrans ";
- SG-trans JSC, Technotrans LLC;
- LLC "Firm" Transgarant ";
- OOO UFZ-Logistic.
Aircraft leasing
Sberbank Leasing leases Russian companies new or in service aircraft. The company's fleet consists of:
- Superjet 100 (20 pcs.);
- An-124 Ruslan (2);
- An-148 (2);
- Boeing 737 Classic (16);
- Boeing 737-800 (10);
- Boeing 747-400 (4);
- Boeing 747-8F (2);
- as well as the Mi-8 helicopter (15).
Sberbank Leasing's clients are:
- PJSC Aeroflot - Russian Airlines;
- Rossiya Airlines;
- Volga-Dnepr Group of Companies;
- AirBridgeCargo Airlines;
- PJSC "Corporation" Irkut ";
- UTair Aviation;
- Airline "Angara".
"The next, already the twentieth SSJ-100, was acquired by Sberbank Leasing for PJSC Aeroflot - Russian Airlines. The liner with registration number RA-89060 was named after the military pilot, Hero of the Soviet Union, Major Mikhail Protasovich Stupishin.
The delivery of this particular SSJ100 aircraft for PJSC Aeroflot is the 20th anniversary for us. We do not intend to stop and will continue to work towards the development of the regional air transportation network, supporting the modern Russian production and updating the civil aviation fleet, - comments on the event general manager Sberbank Leasing JSC Kirill Tsarev. - In the course of the transactions, we gained specialized experience, cooperation with Aeroflot PJSC allowed us to fine-tune all leasing mechanisms in the aviation industry. And now we can say that we are the largest leasing provider of SSJ100 aircraft. "
Equipment leasing
Leasing industrial and commercial equipment can significantly expand the capabilities of your company and increase its competitiveness. Sberbank Leasing JSC provides services for the purchase of equipment of Russian and foreign production to update the material and technical base. With the help of the equipment, you can carry out any activity: production, trade, work in industry, etc. Leasing of equipment and machinery is carried out jointly with partners.
Reading 7 min. Views 180 Posted on 12.09.2018
If you have your own business, a novice entrepreneur, as well as sometimes an experienced businessman, have situations associated with financial difficulties. In such a difficult period, additional financial support is required. But sometimes it is not the bills themselves that become important, but certain things: equipment, raw materials, expansion of the existing vehicle fleet, that is, obtaining leasing services.
Everything the necessary conditions to provide leasing operations can be obtained from large Russian banks... The majority of Russians, both private and legal entities prefer to cooperate with Sberbank, one of the most reliable banking structures Russia. To arrange leasing of Sberbank for legal entities, you should know several rules and conditions for obtaining this service.
Leasing is gaining more and more popularityWhat is leasing
The word "leasing" is of English origin and means "rent" in translation. The essence of the leasing service is a long-term lease of a certain property with the right of its subsequent redemption. The lease agreement is concluded simultaneously with the lease agreement, where all the terms of the transaction are prescribed.
Under the terms of the contract, the lessee pays regular contributions for rent as lease payments. And after the expiration of the terms of the contract, it has the full right to redeem the property, making the residual value.
Sberbank-Leasing launched its activities in 1993. This direction of the financial and credit organization was created on a partnership agreement with founders from Germany. At the moment, the company has completely passed into the ownership of Sberbank and is developing steadily.
Pros and cons of leasing at Sberbank
Leasing services are successfully operating on Russian market credit products. They are actively becoming lessees and individuals. persons, clients of Sberbank. But, of course, the largest percentage of such transactions falls on entrepreneurs. According to observations, the most common leased products become cars.
Sberbank offers the most loyal leasing conditions
Car leasing for individual entrepreneurs from Sberbank has a number of undeniable advantages... In particular:
- Fast bank decision making. This is due to the narrowing of the search circle, because the companies that are ready to finance the project already have the necessary vehicles that meet the client's needs.
- Possibility of tax optimization. For all entrepreneurs, this is a rather weighty argument for leasing at Sberbank. When lease payments occur, they are allowed to be attributed to accounting entries for the cost, which significantly reduces tax payments at a profit. It is worth considering that VAT will also be compensated to the lessee, which further adds to the benefits of such a transaction.
- Improves the investment direction in the work of the company. When a vehicle is acquired under a lease agreement, it is not reflected in the balance sheet, and accordingly, the amount of debt does not change (as opposed to taking the usual cash loan).
- The cost of equipment can be reduced by participating in promotions and programs.
But, speaking about the pleasant benefits, one should not forget about the existing drawbacks of this direction in lending. There are also disadvantages to leasing, and they are as follows:
- if for some reason there is a delay in payment, you can lose not only equipment for leasing, but also the initial payment (it is not refundable);
- all rights to the leased property remain with Sberbank until the full cost of the equipment is paid;
- it will become impossible to replace a car purchased in this way, even if it loses its relevance;
- in the event of an accident, breakdown of the leased property, under the terms of the lease agreement, it will have to continue to be paid further.
Design features
At the very beginning of the development of the leasing business, Sberbank gave preference to concluding transactions for the purchase of goods for large sums. Modern conditions financial market changed this situation. Now start-up entrepreneurs can also take advantage of leasing.
Sberbank has developed a wide variety of programs, including preferential ones for the provision of leasing services.
One of main feature cooperation with Sberbank under the leasing program is a minimum of documents that must be collected to complete the transaction. Also, the minimum requirements for the lessee company can be attributed to the advantageous differences.
You can preliminary estimate the total cost of leasing on the Sberbank-Online portal
Borrower requirements
Entrepreneurs wishing to execute a leasing transaction with Sberbank, according to the rules of the bank, must meet the following requirements:
- have an active account with Sberbank;
- confirm the level of your solvency;
- the general experience of the enterprise functioning - from six months;
- must not have any loan or tax debts;
- provide all the required package of documentation, also for financial statements.
The bank has set these requirements due to rather significant in terms of the level of regular payments. Especially when an organization leases several cars at once or receives special equipment that is distinguished by its high cost.
Document portfolio
To apply for a leasing transaction, an individual entrepreneur is required to collect the following portfolio of documents:
- company charter;
- documents on accounting in the Federal Tax Service Inspectorate and registration of legal entities. faces;
- an order approving the applicant as the general director of the company;
- have a permit for the right to specific activities (when purchasing narrow-profile special equipment).
All documents (copies) required for obtaining leasing must be certified by the official seal of the enterprise. They must also have the signatures of all responsible persons... It is worth knowing that Sberbank-Leasing requires the presentation of all accounting / tax reports only when registering a lease with preferential and more favorable offers. In other cases, verification is not carried out.
Registration of the application
Sberbank is allowed to submit an application remotely, on the website banking organization Sberbank Online. There you can also define preliminary monthly payments based on input parameters. This procedure is carried out under the option "Calculation of the cost of leasing".
General leasing scheme
Leasing cost
The contractual obligations under the leasing transaction are concluded within a period of up to 1 year for vehicles or special equipment. In the case of leasing equipment, the duration of the transaction is extended to 20–21 months. The total cost of the leased property should not exceed 24 million rubles. It should be borne in mind that there are preferential conditions for agricultural enterprises:
- advance payment: 30–49%;
- preferential payment schedule;
- terms of the contract: 13–48 months;
- discount under the terms of the program: 15%;
- discount for leasing equipment manufactured in Belarus: 8%;
- under the program of preferential car leasing there is a discount of up to 500,000 rubles.
What vehicles can be purchased on lease
The leasing agreement implies the transfer of legal entities. a person on the basis of temporary use of special equipment or vehicles. Leasing of the following vehicles / equipment is allowed:
- special equipment;
- aircraft engineering;
- equipment;
- trucks;
- water transport;
- railway rolling stock;
- cars / commercial vehicles.
Is it possible to lease real estate
Real estate transactions also fall under the terms of leasing lending. These offers are most attractive to clients with non-legalized profitability, which is very difficult to officially confirm. Such leasing deals are a great alternative mortgage lending.
Sberbank is the leader in the leasing market
Types of balance holder
When registering leasing agreements, two types of asset holder are defined. That is, persons / organizations whose balance sheet contains leased property:
- Entity.
- Leasing company.
Entity
When the property is transferred to the balance sheet of a legal entity. persons, the lessor displays the cost of the lease in the form of a debt of the receivable plan. As regular payments are credited, it will be gradually debited. The lessee puts the received leased property on the balance sheet at the cost of two payments:
- The first amount reflects the amount of the lease agreement and includes investment costs.
- The second is defined as accounts payable.
Leasing company
If the leased property is transferred for temporary use by a legal entity. person, but remains on the lessor's balance sheet, the latter is the asset holder. In such a situation, the lessor is obliged to keep all the necessary records of equipment / transport (deduction of taxes, write-off for depreciation). And payments under the agreement from the lessee are accounted for as revenue from work / services.
Features of insurance
According to the terms of the leasing contract, when it is drawn up, a prerequisite is the conclusion of an insurance policy (it is valid for the entire lease period). Motor vehicles must be insured in the direction of CASCO and OSAGO.
conclusions
The leasing service is gaining more and more popularity. But, before going to Sberbank to draw up a leasing agreement and submit an application, you should carefully weigh everything, soberly assessing your own capabilities and financial stability. And to get more favorable conditions transactions, it is worth constantly monitoring the situation. After all, Sberbank, as a leader in the financial and credit sector, is constantly expanding the range of its services, and in the leasing market. This makes the bank especially attractive for cooperation.
Are you planning to start a new business or expand an existing one? It couldn't be easier! Lease the necessary real estate, transport, equipment and get the maximum profit.
What is leasing?
The concept of leasing includes the type of lending, more precisely, lease of property with the subsequent possibility of redemption for a long time. Simply put, the bank buys the property it needs for the 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 at Sberbank sea, river, aircraft and railway transport.
The design is as follows - the lease recipient chooses the car / cars, equipment or real estate he needs, the bank acquires and gives the selected lease item to the partner for use. An agreement is concluded with an indication of the purchase price, monthly payments and the possibility of redemption of the leased asset.
Leasing in Sberbank for individuals
At the moment, arrange a lease a common person a non-entrepreneur can only buy a car. Leasing a car is more profitable and more convenient than taking out a loan.
Required documents:
- Passport;
- Driver's license;
- Proof of income
Requirements for the lease recipient are not very high, the very fact of income is important so that the borrower can meet the requirements for payments and transport costs. Registration takes place within one working day, the term of the lease agreement is much longer than that of a loan.
- Another plus: at a financially difficult moment for the lease recipient, you can ask the bank to defer payments. There is no need to re-collect the package of documents to confirm temporary insolvency.
The first installment ranges from 10 to 30% of the purchase price, depending on the chosen program.
- Plus: leasing can be arranged by those who have been denied a loan. Despite this, only a small part of citizens purchase a car 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 credit history borrower. The consideration of the application itself takes several hours, the maximum is a day.
- In the "Standard" program, the first installment is maximum - 30% of the cost, but total percentage overpayment is minimal. For the "Light" program, the first installment is only 10% of the total value of the leased property.
The contract is transparent for the lease 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 has the right only to use the property, it cannot be altered or performed in any way not specified in the contract.
The maximum lease term is 37 months.
The purchase of expensive machinery, equipment and machinery remains inaccessible for small companies, and therefore rental and leasing services for small businesses and individual entrepreneurs have gained popularity. Sberbank has several programs for various types of equipment that will contribute to the development of a small business.
What is leasing?
You can draw up a leasing agreement at Sberbank by car, truck or commercial vehicle for a period of 12 months. Special equipment under the terms of the bank is provided for at least 21 months.
Leasing is a type of agreement under the terms of which the lessor ( leasing company"Sberbank Leasing") transfers the property for rent to the lessee with or without the right to transfer into ownership.
After both parties fulfill their obligations, the ownership of the leased asset is transferred by the leasing company to the lessee. The transfer of the right is formalized by an act of termination of the contract, which must be signed within 5 days from the date of the end of the lease term.
If the lessee has not signed the act in specified period, the lessor has the right not to transfer ownership to him. If the lessee has paid all the lease payments, but has not fulfilled any other obligations (for example, did not pay fines or did not pay the redemption value), the title to the leased asset does not pass to the lessee.
If the lessee has lost the right of ownership or the right to operate when claims of third parties (competent government agencies, as a result of arrest, confiscation) in the absence of the lessor's fault, the lessee is obliged to unconditionally pay the amount of closing the transaction and compensate for losses within 10 days from the date the lessor's claim was sent.
Terms of registration of leasing for cars
To draw up a lease agreement for a passenger car, you will need a minimum advance payment in the amount of 20% of the total cost of financing. Maximum amount loan, under the car leasing program - up to 24,000,000 rubles or up to 300,000,000 in individually... After submitting the application, the bank makes a decision in 1-2 business days. The borrower can choose a payment schedule convenient for him: annuity, decreasing, differentiated or seasonal - and receive installments from 12 to 36 months.
You can lease one car or a whole vehicle fleet at once. However, there are lineup restrictions. More than 20 car brands are available under this leasing program, including Audi, Volvo, Volkswagen, Skoda, Citroen and others.
Leasing of commercial and light vehicles at Sberbank
up to 24 million rubles
from 12 to 36 months
* - interest under the contract is set individually
Leasing of commercial vehicles at Sberbank
For the purchase of vans, pick-ups, minibuses and other types of cars under the Sberbank Leasing, Commercial Vehicle Leasing program, you can receive financing up to 24,000,000 rubles or up to 300,000,000 at the request of the client, while an advance payment of 20% will be required.
Suppose a legal entity needs to lease a car worth 1,900,000 rubles. If you draw up an agreement with an installment plan for 36 months and make an initial payment of 20% of the specified amount, then the monthly transaction will cost 55,717 rubles, and the overpayment will be 485,812 rubles (1,900,000 - 20% = 1,520,000 rubles went to leasing; the total amount of payments: 55,717 * 36 = 2,005,812 rubles; 2,005,812 - 1,520,000).
Interest rates for each individual lease financing agreement may differ.
On the official website of Sberbank Leasing, using a special credit calculator, you can calculate monthly payment based on the total cost of transport, the term of the contract and the amount of the advance payment.
Leasing of freight transport and special equipment
The conditions for registration of freight transport under a leasing agreement differ from the conditions for passenger cars and commercial vehicles. Vehicle... To take a truck made in Russia or one of the CIS countries, you will need a minimum advance payment of 20%, and foreign-made - from 15%. The contract can be signed for a period of 1 to 4 years.
The maximum financing amount, decision time and payment schedule for freight leasing are the same as in the two programs described above.
To expand the fleet of special equipment, one cannot do without an initial payment - at least 30%, and the term - up to 3 years. Under such a program, you can lease construction, agricultural, road and warehouse equipment.
Leasing of freight transport and special equipment in Sberbank
up to 24 million rubles
from 12/21 to 48/36 months
* - conditions depend on the type of transport and equipment,
the amount can be increased up to 300 million rubles
Is insurance required for a lease transaction?
One of the main requirements for concluding a leasing transaction at Sberbank is compulsory insurance car. Insurance policies OSAGO and CASCO must be valid throughout the entire term of the lease agreement.
The policy of not every insurance company will meet the requirements of the bank - only those that are included in the list of partner companies (or its subsidiaries). Among them:
- RosGosStrakh;
- VTB Insurance;
- "VSK";
- AlfaStrakhovanie;
- Sogaz;
- "Reso-Garantia";
- Liberty Insurance;
- IngosStrakh;
- "Subsidiary" of Sberbank "Sberbank Insurance".
Insurance is required for any leased vehicle.
Features of leasing financing at Sberbank
In 2017, new rules for leasing agreements were approved, however, little has changed in them. As before, when making changes to the contract on the initiative of the lessee, he will have to pay 15,000 rubles in favor of the lessor. The temporary owner of the leased asset is obliged to independently ensure the passage of the annual vehicle inspection, registration and other expenses. Payment transport tax is made by the party to the transaction for which the property is registered under the lease agreement.
Recently, car leasing has become more and more popular among individuals and legal entities. Sberbank is a leader 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. A banking product is similar in principle to an ordinary one, but it has some differences. It is a car rental agreement that makes payments.
If the leased car becomes the property of the client after signing the contract and can only act as a pledge 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, takes all costs and responsibility for the vehicle. But this banking services there are a number of advantages. Since the car remains in the ownership of the bank, it has little interest in the lessee's credit history. 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 processing time are required. An indisputable advantage is the provision for the client to independently decide on the schedule of payments and the amount of payments. By purchasing vehicles in this way, legal entities receive tax incentives.
Leading positions of the bank in the Russian Federation
To get 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. At the same time, the client independently chooses a suitable vehicle and a schedule for making payments. After signing the contract and receiving the auto agreement, it comes into force.
Stages of registration
The procedure for individuals is similar. The only difference is that for legal entities, registration takes place according to the accelerated program "Express". But even for individuals, the procedure takes no more than two days, which is a positive point in comparison with a loan. The client can choose a car at an attractive price from the list of partner companies offered by the bank. On request, the applicant can issue a used car. In this case, there may be no an initial fee, the time for registration of the application will decrease, but the term of the agreement 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 cars, both Russian and foreign. Cars with a carrying capacity of up to 800 kg and models for the carriage of no more than 8 passengers are allowed. For individuals, registration of one car (passenger car) is allowed, and for legal entities - several.
- Commercial transport. These are cars for commercial purposes and trucks up to 5 tons (minibuses, pick-ups, vans, etc.).
- Freight vehicles. This category includes trucks, refrigerators, truck tractors, 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.
Benefits of the provided service
A feature of the banking program is the provision of a wide range of leased vehicles that satisfy the needs of an individual and an enterprise.
Small business environment
Those who want to buy a car for rent are subject to certain conditions:
- the cost of a car leasing object should not exceed 24 million rubles;
- funding is carried out 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 term of the agreement is determined by the bank from 1 year to 37 months (in the case of freight transport, it can be up to 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 OSAGO and CASCO insurance, which can be issued at the bank.
Car rental conditions
Differences concern the amount of advance payments and the term of the contract.
In the case of car leasing for legal entities, according to the terms of Sberbank, Express program, which allows you to order the service in 8 hours. Applicants at the time of contacting the bank 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 arrears on government payments.
Promotional offers for passenger cars
One of the bank's requirements for renting vehicles for individuals is the availability of an account. Individuals can provide guarantors as guarantors for the fulfillment of the terms of the transaction.
Conclusion
Any client, individual, individual entrepreneur or company, having contacted Sberbank regarding car leasing, gets a chance to purchase a long-awaited vehicle. For some clients, it is not possible to connect to the lending program, so it is more profitable for them to take a car on other terms. Subject to compliance with all contractual obligations after the expiration of the contract, the rented transport becomes his property.
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