Sberbank truck leased to individuals. Car leasing for individuals and legal entities in Sberbank
Acquire the property on lease and start earning without worrying about the financial burden with Sberbank Leasing.
Agree, it is much easier to start a business when you know that you have all the necessary equipment to service the needs of the business. But this equipment is not always available, especially if you start a business from scratch. Yes, and large companies such purchases, such as several aircraft, can not always be affordable. But conditions are dictated by the presence or absence of demand. If things are going uphill, you need to expand in all possible directions in order to get as much profit as possible. When property is needed now, and capital is only enough for part of its payment, leasing comes to the rescue. About what leasing from Sberbank is, what are its advantages and what equipment can be obtained, read in this article.
Sberbank Leasing: basic information
Leasing - (from the English. "Lease" - "rent") - a type of long-term lease with the subsequent right to purchase the leased equipment.Leasing is carried out with the conclusion of a leasing agreement, according to which the lessee pays leasing payments, as for a lease. After the end of the contract, he receives the right to redeem the property, paying the residual value of the equipment.
At the moment, Sberbank Leasing does not finance taxis, automobile pawnshops, leasing companies, non-profit organizations and financial institutions.
Parties involved in a leasing transaction from Sberbank:
- Lessor (Sberbank Leasing JSC) -a company that, at its own expense, acquires certain equipment or real estate for temporary use by the lessee as a leased asset for a certain fee and for a certain period of time;
- Lessee (client) -organization or individual entrepreneur receiving equipment or real estate for a certain fee and for a certain period of time under the lease agreement;
- Seller (supplier) - a car dealer or a real estate company supplying equipment or real estate to a lessor under a contract of sale;
- Insurer -organization insuring transport, property or other risks in relation to the leased asset;
- Policyholder -legal entity concluding an insurance contract with the insurer. It can be both the lessor and the lessee.
Risk insurance is a prerequisite for concluding a leasing agreement, its necessity is stipulated by Art. 21 Federal Law On Financial Leases. Insurance is carried out by one or both parties, the procedure for the distribution of risks is prescribed in Art. 22 Federal Law.
The lease agreement is concluded on the following conditions:
Financing limit -24 million rubles;
Advance amount -10-49%;
The term of the lease agreement is12-36 months;
Payment Schedule:diminishing, seasonal, annuity, differentiated;
Balance holder:lessor or lessee (SP);
The lease agreement currency isrussian ruble;
Delivery contract currency: russian ruble, euro, dollar.
Leasing conditions vary depending on the subject of leasing.
The advantages of leasing from Sberbank
- No collateral:the leased asset is itself a guarantee of the contract without additional security;
- Tax reduction:lease payments are included in cost, reducing the tax base for income tax. Property tax is also reduced due to accelerated depreciation;
- Time saving:sberbank Leasing takes care of all the paperwork, the client only has to choose the right property and fill out the application;
- Discounts from dealers and manufacturers:concluding partnership agreements with car manufacturers, Sberbank Leasing allows its customers to take advantage of the attractive offers from partners.
Vehicle Leasing
Leasing of cars
Financing limit -24 million rubles;
Advance amount - from10%;
The term of the lease agreement isup to 36 months.
Sberbank Leasing provides leasing services to small and medium-sized businesses. Car provision programs are formed with the participation of major Russian and foreign car manufacturers, such as
- Nissan
- Audi
- Mercedes
- Land Rover;
- Ford
- Renault
- Volkswagen
- UAZ and others
The maximum authorized mass of the car is up to 800 kg or 8 people.
Commercial vehicle
Financing limit -24 million rubles;
Advance amount - from10%;
The term of the lease agreement isup to 36 months.
Leasing of commercial vehicles is an excellent solution for expanding the fleet of the enterprise, which allows bringing the company's activities to a new level and strengthening 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. Pickups, vans, minibuses, and other types of commercial vehicles for various business areas may be available to the lessee.
Truck leasing
Financing limit -24 million rubles;
Advance amount - from15%;
The term of the lease agreement isup to 48 months.
Cargo leasing is a great opportunity to increase business productivity without large expenses from the company's turnover. Sberbank Leasing's leasing programs are designed in such a way that they suit the needs of most entrepreneurs, small and medium-sized businesses, and the range of cars can satisfy even the most sophisticated customers: specialized (dump trucks, truck tractors) and general-purpose equipment are available to you, with various types of bodies (refrigerators, trailers and semi-trailers). Models with a maximum permitted weight of 7-41 t / 3 axles, and 50t / 4, and 5-50 tons for trailers and semi-trailers are presented. You can lease trucks of the following manufacturers:
- Volvo
- Mercedes
- KamAZ;
- Daewoo;
- Isuzu;
- Iveco;
- Ford
- Renault
- Hyundai;
- Scania
- Ural;
- GAZ and others
Special equipment leasing
Financing limit -24 million rubles;
Advance amount - from30%;
The term of the lease agreement isup to 36 months.
Turning to Sberbank Leasing, you can lease special equipment of various specializations: agricultural, construction, road, etc. Sberbank 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 permitted weight of up to 35 tons;
- Agricultural machinery leasing:tractors, combines and other agricultural machinery;
- Leasing of warehouse special equipment:fork, frontal and other loaders.
Due to the large number of partnership agreements, Sberbank Leasing provides its customers with a large number of special programs for which you can lease equipment at a discount or other nice bonus.
Water transport leasing
Sberbank Leasing offers one of the most convenient and effective instruments for financing and acquiring ships. 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.
Rolling stock leasing
Sberbank Leasing is one of the leaders in the railway equipment leasing market. The fleet of rolling stock and traction equipment transferred to leasing is about 50 thousand units.
The largest customers of Sberbank Leasing are:
- JSC "First Freight Company";
- JSC "NefteTransService";
- Holding Company Novotrans JSC;
- SG-trans JSC, Technotrans LLC;
- LLC "Firm" Transgarant ";
- LLC "UFZ-Logistic".
Aircraft leasing
Sberbank Leasing leases new or existing aircraft to Russian companies. The fleet of companies are:
- 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).
The clients of Sberbank Leasing are:
- PJSC "Aeroflot - Russian Airlines";
- Airline "Russia";
- GC "Volga-Dnepr";
- AirBridgeCargo Airlines
- PJSC "Corporation" Irkut ";
- UTair Airlines;
- The airline "Angara".
“The next, already in its twentieth SSJ-100, was acquired by Sberbank Leasing JSC for PJSC Aeroflot - Russian Airlines. The liner with registration number RA-89060 is named after the military pilot, Hero of the Soviet Union, Major Mikhail Protasovich Stupishin.
The delivery for Aeroflot PJSC of this particular SSJ100 aircraft is for us an anniversary - the twentieth. We do not intend to stop and will continue to work towards the development of a regional air transportation network, supporting modern Russian production and updating the civil aviation fleet, ”commented Kirill Tsarev, Director General of Sberbank Leasing JSC. - In the course of the transactions, we gained profile experience, cooperation with PJSC Aeroflot allowed us to debug all leasing mechanisms in the aviation industry. And now we can say that we are the largest lessor in the field of aircraft leasing SSJ100. "
Equipment leasing
Purchasing industrial and commercial equipment on lease can significantly expand the capabilities of your company and increase its competitiveness. Sberbank Leasing JSC provides services for the acquisition of equipment of Russian and foreign production for updating the material and technical base. With the help of 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 09/12/2018
If you have a business, a novice entrepreneur, as well as sometimes an experienced businessman, has situations associated with financial difficulties. In such a difficult period, additional financial support is required. But sometimes not the bills themselves become important, but certain things: equipment, raw materials, the expansion of the existing fleet, that is, the receipt of leasing services.
All the necessary conditions for the provision of leasing operations can be obtained at large Russian banks. Most Russians, both private and legal entities, prefer to work with Sberbank, one of the most reliable banking institutions in Russia. In order to arrange leasing for Sberbank for legal entities, you should know several rules and conditions for obtaining this service.
Leasing is gaining more and more popularity.What is leasing?
The word "leasing" of English origin and translated means "rent." The essence of the leasing service is a long-term lease of certain property with the right to redeem it. The lease agreement is concluded simultaneously with the leasing agreement, where all the terms of the transaction are prescribed.
Under the terms of the contract, the lessee pays regular rental contributions as lease payments. And after the expiration of the contract has the full right to redeem the property, making the residual value.
Sberbank Leasing started its operations in 1993. This area of \u200b\u200bthe financial and credit organization was created in partnership with the founders from Germany. At the moment, the company has completely transferred to the ownership of Sberbank and is developing steadily.
Pros and cons of leasing at Sberbank
Leasing services successfully operate in the Russian market of credit products. Actively become lessees and physical. persons, clients of Sberbank. But, of course, the largest percentage of such transactions falls on entrepreneurs. According to observations, the most common leasing products are cars.
![](https://i2.wp.com/znaemdengi.ru/wp-content/uploads/2018/09/lizing-sberbanka-dlja-juridicheskih-lic-2.png)
Car leasing for IP from Sberbank has a number of undeniable advantages. In particular:
- Quick decision making by the bank. This is due to the narrowing of the search circle, because companies that are ready to finance the project already have the necessary vehicles that meet customer needs.
- The ability to optimize taxes. For all entrepreneurs, this is a rather significant argument for leasing in Sberbank. When leasing payments occur, they can be attributed in the accounting entries to the cost price, which significantly reduces tax payments on profit. It is worth considering that VAT will also be compensated to the lessee, which will further benefit the deal.
- Improves the investment direction in the work of the company. When a vehicle is purchased under a leasing agreement, it is not reflected in the balance sheet, and the amount of debt does not change accordingly (as opposed to taking a regular cash loan).
- The cost of technology can be reduced by participating in promotions and programs.
But, talking about the pleasant benefits, do not forget about the existing shortcomings of this area of \u200b\u200blending. Leasing also has disadvantages, and they are as follows:
- if for some reason a delay in payment occurs, you can lose not only the leasing equipment, but also the down payment (it is not refundable);
- all rights to leased property remain with Sberbank until the full cost of the equipment has been paid in full;
- it will become impossible to replace a car purchased in this way, even if it loses relevance;
- in the event of an accident, breakdown of the leased property, under the terms of the leasing agreement, it will have to continue to be paid further.
Design Features
At the very beginning of the development of the leasing area, Sberbank preferred to conclude transactions for the purchase of goods for large amounts. Current conditions of the financial market have changed this situation. Now beginners can take advantage of leasing.
Sberbank has developed a wide variety of programs, including preferential ones for the provision of leasing services.
One of the main features of cooperation with Sberbank under the leasing program is the minimum of documents that must be collected to complete the transaction. Also, the minimum requirements for the lessee company can be attributed to advantageous differences.
![](https://i0.wp.com/znaemdengi.ru/wp-content/uploads/2018/09/lizing-sberbanka-dlja-juridicheskih-lic-3.png)
Borrower Requirements
Entrepreneurs who wish to arrange a leasing transaction with Sberbank, according to the rules of the bank, must meet the following requirements:
- have an active account opened with Sberbank;
- confirm the level of solvency;
- the total length of service of the enterprise - from six months;
- must not have any debts on loans or taxes;
- provide all the required documentation package, also on financial statements.
The bank established these requirements because of the significant level of regular payments. Especially when an organization leases several cars at once or receives special equipment of high cost.
Portfolio of documents
To apply for a leasing transaction, the individual entrepreneur is required to collect the following portfolio of documentation:
- company charter;
- documents on registration with the IFTS and registration of legal entities persons;
- an order approving the applicant as the general director of the company;
- have permission to the right for specific activities (when purchasing narrow-profile special equipment).
All documents required for leasing (their copies) must be certified with the official seal of the enterprise. They are also required to have signatures of all responsible persons. It is worth knowing that Sberbank-Leasing requires the presentation of all accounting / tax reports only when leasing with preferential and more advantageous offers. In other cases, verification is not carried out.
Application Form
Sberbank is allowed to submit an application remotely, on the website of a banking organization Sberbank-Online. There you can also determine the preliminary monthly payments based on the entered parameters. This procedure is carried out according to the option “Calculation of the cost of leasing”.
![](https://i0.wp.com/znaemdengi.ru/wp-content/uploads/2018/09/lizing-sberbanka-dlja-juridicheskih-lic-4.png)
Leasing cost
Contractual obligations under a leasing transaction are concluded up to 1 year for vehicles or special equipment. In the case of equipment leasing, the duration of the transaction is extended to 20–21 months. The total value of the leased property should not exceed 24 million rubles. It should be borne in mind that preferential conditions apply for agricultural enterprises:
- advance payment: 30–49%;
- preferential payment schedule;
- terms of the contract: 13–48 months;
- discount according to the terms of the program: 15%;
- discount when leasing production equipment in Belarus: 8%;
- under the program of preferential car leasing, a discount of up to 500,000 rubles is valid.
What vehicles can be purchased on leasing
A leasing agreement implies the transfer of legal entities. to a person on temporary use, special equipment or vehicles. Leasing of the following vehicles / equipment is allowed:
- special equipment;
- aircraft
- equipment;
- trucks;
- water transport;
- movable railway trains;
- cars / commercial vehicles.
Is it possible to lease a property
Real estate transactions are also subject to leasing terms. These offers are most attractive for customers who have not legalized profitability, which is very difficult to confirm officially. Such leasing transactions are an excellent alternative to mortgage lending.
![](https://i0.wp.com/znaemdengi.ru/wp-content/uploads/2018/09/lizing-sberbanka-dlja-juridicheskih-lic-5.jpg)
Types of balance holder
When drawing up leasing contracts, two types of balance holder are determined. That is, persons / organizations on whose balance sheet the leased property is kept:
- Entity.
- Leasing company.
Entity
When property is transferred to the balance of legal persons, the lessor displays the cost of leasing in the form of debt receivable plan. As regular payments are credited, it will be gradually deducted. The lessee puts on balance the leased property at the cost of two payments:
- The first amount displays the amount of the lease agreement and includes investment costs.
- The second is defined as payables.
Leasing company
If the leased property is transferred for temporary use legal. person, but remains on the balance sheet of the lessor, the latter is the balance holder. In such a situation, the lessor is required to maintain all necessary equipment / transport records (tax deductions, depreciation charges). And payments under the contract from the lessee are taken into account as revenue from work / services.
Insurance Features
According to the terms of the leasing agreement, when it is executed, a prerequisite is the conclusion of an insurance policy (it is valid for the entire duration of the lease). Motor transport must be insured in the direction of CASCO and CTP.
findings
The leasing service is gaining more and more popularity. But, before you go 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 obtain more favorable terms of the transaction, it is worth constantly monitoring the situation. Indeed, Sberbank, as the leader in the financial and credit sector, is constantly expanding the range of its services in the leasing market. This makes the bank especially attractive for cooperation.
Are you planning to start a new business or expand your existing one? Nothing is easier! Make leasing for the necessary real estate, transport, equipment and get the maximum profit.
What is leasing?
The concept of leasing includes a type of loan, more precisely, rental property with the subsequent possibility of redemption for a long period. Simply put, the bank buys for the partner the property it needs and gives it for use for rent.
Sberbank offers leasing services for all types of vehicles, equipment for farmers and builders, real estate. Medium and large businessmen can lease at Sberbank sea, river, aircraft and rail transport.
The design is as follows - the leasing recipient selects the car / cars, equipment or real estate he needs, the bank acquires and leases the selected leased asset to the partner. An agreement is concluded indicating the purchase price, monthly payments and the possibility of buying out the leased asset.
Leasing at Sberbank for individuals
At the moment, an ordinary person who is not an entrepreneur can issue a lease only for the purchase of a car. Leasing a car is more profitable and more convenient than getting a loan.
Required documents:
- Passport;
- Driver's license;
- Proof of income
The requirements for the lease recipient are not very high, the fact of having income is important so that the borrower can fulfill the requirements for payments and transport costs. Registration takes place within one business 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 for a deferral of payments. No need to reassemble the package of documents to confirm temporary insolvency.
The first installment ranges from 10 to 30% of the acquisition cost, depending on the chosen program.
- Plus: leasing can be issued to those who were denied a loan. Despite this, only a small part of citizens buy a car on lease. The leasing service is little known and not popular. For this reason, Sberbank temporarily does not arrange leasing for individuals.
Advantages and disadvantages
Since Sberbank is the owner of the leased property, he is not interested in the borrower's credit history. 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 the total percentage of 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 to the recipient of the lease, there are no commissions that are called hidden. Sberbank, as the party representing the lease, incurs the costs of maintaining the leased property.
The downside is that the borrower has the right only to use the property, it can not be redone or perform any actions not specified in the contract.
The maximum lease term is 37 months.
The purchase of expensive machinery, equipment and machines remains inaccessible to small companies, and therefore rental and leasing services for small businesses and entrepreneurs have gained popularity. Sberbank has several programs for various types of equipment that will contribute to the development of a small enterprise.
What is leasing?
Sberbank can issue a leasing agreement 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 (Sberbank Leasing leasing company) transfers the property on lease to the lessee with or without the right to transfer ownership.
After both parties fulfill their obligations, the ownership of the leased asset is transferred to the lessee by the leasing company. The transfer of rights is formalized by an act on the termination of the contract, which must be signed within 5 days from the end of the lease term.
If the lessee has not signed the act within the specified period, the lessor has the right not to transfer ownership to him. If the lessee paid all the lease payments, but did not fulfill any other obligations (for example, did not pay fines or did not pay the redemption value), the ownership of the leased asset does not pass to the lessee.
If the lessee has lost the right of ownership or the right to exploit when revealing claims of third parties (competent state authorities, as a result of arrest, confiscation) in the absence of the lessor’s fault, the lessee is obliged to pay the closing amount of the transaction and indemnify within 10 days from the date of the claim lessor.
Leasing conditions for cars
To draw up a leasing agreement for a passenger car, a minimum advance payment of 20% of the total cost of financing will be required. The maximum loan amount for a car leasing program is up to 24,000,000 rubles, or up to 300,000,000 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 get installments from 12 to 36 months.
On lease you can purchase both one passenger car and a whole fleet of vehicles at once. However, there are restrictions on the model range. Under this leasing program, more than 20 brands of cars are available, including Audi, Volvo, Volkswagen, Skoda, Citroen and others.
Leasing of commercial and passenger transport in Sberbank
up to 24 million rubles
from 12 to 36 months
* - interest under the contract is set individually
Leasing of commercial vehicles in Sberbank
For the purchase of vans, pickups, minibuses and other types of vehicles under the Sberbank Leasing and Commercial Vehicle Leasing programs, you can receive financing of up to 24,000,000 rubles or up to 300,000,000 upon customer requestIn this case, an advance payment of 20% is required.
Suppose that a legal entity is required 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 indicated amount, then the monthly transaction will cost 55,717 rubles, and the overpayment will be 485,812 rubles (1,900,000 - 20% \u003d 1,520,000 rubles went to leasing; the total amount of payments: 55 717 * 36 \u003d 2 005 812 rubles; 2 005 812 - 1 520 000).
Interest on each individual lease financing agreement may vary.
On the official website of Sberbank Leasing, using a special credit calculator, you can calculate the monthly payment based on the total cost of transport, the duration of the contract and the amount of the down payment.
Leasing of freight transport and machinery
The conditions for registering freight transport under a leasing agreement differ from the conditions for passenger and commercial vehicles. To take a truck manufactured in Russia or one of the CIS countries, a minimum advance payment of 20% is required, and foreign production - from 15%. The contract can be signed for a period of 1 to 4 years.
The maximum funding 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, an initial contribution cannot be dispensed with - at least 30%, and the term - up to 3 years. Under such a program, construction, agricultural, road and warehouse equipment can be leased.
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 may be increased to 300 million rubles
Is insurance required on a leasing transaction?
One of the main requirements for concluding a leasing transaction at Sberbank is compulsory car insurance. MTPL and CASCO insurance policies must be in force throughout the entire lease term.
The policy of not every insurance company will correspond to 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";
- Alfa Insurance;
- Sogaz;
- "Reso-Warranty";
- Liberty Insurance;
- InGosStrakh;
- "Daughter" of Sberbank "Sberbank Insurance".
Insurance is required for any leased vehicle.
Features of financing leasing in Sberbank
In 2017, new rules on leasing contracts were approved, however, little has changed in them. As before, when amending the contract at 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 of transport tax is made by the party to the transaction for which the property is registered under the leasing agreement.
Recently, car leasing has become increasingly popular among individuals and legal entities. Sberbank holds 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. A bank product is similar in principle to an ordinary product, but it has some differences. It is a car rental agreement for which payments are made.
If the credit car becomes the property of the client after signing the contract and can only act as a pledge in case of a car loan, the leasing 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 the costs and responsibility for the vehicle. But this banking service has several advantages. Since the car remains the property of the bank, it is of little interest to the credit history of the lessee. Therefore, this is a great chance for those who were previously denied a car loan. For the same reason, at the conclusion of the contract, a minimum of documents and time for execution are required. An indisputable advantage is providing the client with the opportunity to make decisions on the payment schedule and the amount of payments. By purchasing vehicles in this way, legal entities receive tax benefits. 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 the contract. At the same time, the client independently chooses a suitable vehicle and the schedule according to which it will make payments. After signing the contract and receiving the auto agreement takes effect.
![](https://i1.wp.com/sbankami.ru/wp-content/uploads/2017/03/Clip2net_170318235457.jpg)
Similarly, the procedure for individuals. The only difference is that for legal entities registration takes place according to 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 proposed by the bank. At the request of the applicant can arrange a used car. In this case, the down payment may not be available, the deadline for filling out the application may be reduced, but the term of the agreement can be increased.
Types and brands of cars
Under the program of Sberbank car leasing, you can purchase the following categories of vehicles:
- Cars. It can be passenger models, both Russian manufacturers and foreign ones. Allowed cars with a carrying capacity of up to 800 kg and models for transporting no more than 8 passengers. Registration of one car (passenger car) is allowed for individuals, and several for legal entities.
- Commercial transport. These are passenger cars for commercial purposes and trucks up to 5 tons (minibuses, pickups, 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.
![](https://i1.wp.com/sbankami.ru/wp-content/uploads/2017/03/Clip2net_170318235419.jpg)
A feature of the banking program is the provision of a wide range of leasing vehicles that satisfy the needs of individuals and enterprises.
Small Business Conditions
Those who wish to purchase a car for rent are subject to certain conditions:
- the cost of the car leasing facility should not exceed 24 million rubles;
- financing is carried out only in Russian rubles;
- the advance amount is determined depending on the type of transport, but should not be less than 10% of its value;
- flexible payment schedule is allowed: payments can be in equal shares, differentiated or decreasing;
- the term of the contract 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 the accelerated program and takes from 8 hours, but no more than 2 days;
- at the request of the lessee - legal entity, the purchased transport can remain on the lessor's balance sheet or put on the balance sheet of the enterprise (this rule does not apply to private entrepreneurs)
- all cars are subject to CTP and CASCO insurance, which can be issued at the bank.
![](https://i0.wp.com/sbankami.ru/wp-content/uploads/2017/03/Clip2net_170319000140.jpg)
Differences concern advance payments and the duration of the contract.
In the case of leasing cars for legal entities under the terms of Sberbank provided express program, allowing to issue a service in 8 hours. Applicants at the time of applying to 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 in state payments.
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One of the requirements of the bank for renting vehicles for individuals is an account. Private individuals can provide guarantors as guarantors to fulfill the terms of the transaction.
Conclusion
Any client, individual, individual entrepreneur or company, contacting Sberbank regarding car leasing, gets a chance to purchase the long-awaited transport. For some customers, it is not possible to join the loan program, therefore it is more profitable for them to take a car on other conditions. Subject to all contractual obligations, after the expiration of the contract, the leased vehicle becomes its property.