Acquisition of cargo avtomobilya.V lease or loan?

Registration of credit for the purchase of the truck is associated with certain difficulties. The most lucrative option - drawing trucks on credit from the manufacturer. Possible and registration of lease ( temporary lease -purchase equipment).

Purchase of trucks suggests. larger budgets. , And not every company, and the more an individual can afford to purchase a truck for cash. Therefore often the future owners of such vehicles have resorted to lending or leasing machinery.

Among the experts believed that the loan - a. a good financial deal. Than leasing. Entering into the loan, the borrower receives money in his hands, and making out a deal leasing - vehicle itself. Another argument in favor of the credit: after processing the transaction car immediately becomes the property of the buyer, and then acts as a guarantee. When making a lease, the buyer uses technology as the owner, but the owner of the car is not long until I finally settle accounts with the leasing company. Truck sales in any of these cases, not only generates income manufacturers, but also banks and leasing companies.

We must not forget that in the application of this kind of acquisition of the property owner can always check the status of vehicles, the control of the technical inspection, the conditions of its operation. In case of violation. borrower of the contract, the leasing company may require the return of the vehicle.

When all of the above circumstances, leasing - yet more flexible system. Costs associated with car insurance and registration of the vehicle, the owner takes over. Another advantage is that the customer can choose almost any car manufacturer, without looking at the car dealers. This is because this form of credit for the most part is the target. Making lease, the borrower. does not pay. fees for account maintenance, and in some cases does not even a down payment. And the payment scheme is made with the applicant and may consider his wishes.

In addition, the loan are restrictions. For example, as follows: the applicant must be either self-employed or a legal entity, with the number of its employees shall not exceed 50 ( in service ) or 100 ( industrial enterprises ).

Leasing on period. from 1 to 7 years. The borrower pays a monthly principal and interest ( annual). Installments on time and the success of the customer depends on the interest rate. After full repayment vehicle becomes the property of the borrower. When lending is possible to increase the maturity of debt, and get more than the lease, the amount for the purchase of commercial vehicles.