What if you need a car, but at the same time pay for the purchase, you can not, and the bank loan is not available to you? In this case there is an option of renting a car with option to purchase. In this scheme has its advantages, and if all the conditions it can be your best and convenient. Lease with further purchase is successfully used by both private individuals and small firms.
What do you give a lease-purchase of the car and what to pay attention to? First of all, payment scheme.
Car rental with purchase - an alternative to buying on credit
Having lease-purchase, you can immediately get a car at their disposal, repaying its cost parts. It may take from one to three years.Such a transaction requires fewer documents than bank loan. It is generally sufficient to present:
- passport of the Russian Federation;
- additional identity document;
- driver's license.
When making a bank loan to the borrower is always a lot of questions, and the results may be issued a negative decision. Rent a car "for ransom" more accessible.
This service is used by both individuals and legal entities that are required:
- start a business as a taxi service or delivery;
- form your own fleet optimally plan your budget;
- immediately get their hands on the car without the involvement of a bank or a large one-time investments.
Advantages of the service
Compared with car loans, lease-purchase offers the following advantages:
- the initial payment is lower than required by banks, and in some cases may not be required at all;
- does not require proof of a stable income and a certificate of employment;
- during the term of the rental cars can be changed.
The hire firm takes on the following issues:
- initial design and production vehicle registration;
- inspection, repair, seasonal changing of tires on specialized service stations;
- liability insurance in case of accident.
Compared with a conventional lease, the advantage is that at the end of the agreed rental period goes into your property. At the same time it can be returned if it does not suit you.
Lease terms
If you are going to rent a car with a subsequent purchase, one should consider the following points.
Requirements for the tenant. The tenant may be a citizen of any country at the age of 19 years. The lack of a criminal record is mandatory and is checked by the security company.
Payment of rent. Usually rent is paid on a monthly basis, but there is another schedule - by week or by quarter. The amount of payment depends on the brand, manufacturer, and the type of vehicle, as well as the costs of depreciation, insurance, maintenance costs and taxes.Due to the fact that the firm decides to hire to you a number of questions, the lease payments may be higher than payments on the loan for the same car. Late payments lead to the withdrawal of the machine.
Insurance. Insurance and CASCO insurance for the rental car necessary, performed a rolling office and taken into account when calculating the cost of the lease. These payments can be made at once or in installments, along with monthly rent.
Early repayment. Terms of the full or partial payment of the cost of the car before the lease period prescribed in the contract. Many rental offices do not provide such a possibility in principle.
Documents on the car. The customer during the term of the lease has a car by proxy. In this regard, it is necessary to coordinate with the agency hire all the actions that will be associated with the operation.
Operation. The contract specifies the territory in which the vehicle can be operated. "Geography" of a possible operation of trucks, as a rule, wider.
We conclude a lease-purchase of the car: the subtleties of the process
Rent "by ransom" is made quickly and requires a minimum of documents. However, this process is divided into stages, each of which has its fineness:
- Selecting from the existing fleet of cars rolling office or special order required a car.
- Calculation of the amount of the transaction.
- The questionnaire for the security services in order to verify your personal data.
- After approval of your application a contract for the transfer of the machine rental-purchase. This document lists all the terms of the transaction, including the payment schedule. Always attached act of reception and transmission cars. If the car is purchased rolling office for you, it requires an initial fee that must be paid on the day of signing the contract.
- Approval of the contract with the insurance company.
- Getting a car rental. The car from the park you can usually get the day of signing the contract and bought a voucher - for a few days.
- Getting the car in the property. There at the end of all necessary payments under the contract.
