Extension - headache of small businesses. The big companies "break" a loan to buy equipment may be difficult, but for "kids" - even more so. After all, they usually do not have expensive equipment that can be presented to the bank as collateral. In such a situation can help leasing.
Its essence is that property and equipment do not need to buy immediately. For several years, they can be used on a leasehold basis, and only then redeem at the residual price. The first leasing company appeared on Mar. 20, 1855 in England. Berminghem Wagon Company leased for five - eight years of trains to transport coal. Transport companies willing to use this offer. After the end of the lease locomotives and wagons moved into their property.
Cars, airplanes, boats, expensive machines and even office equipment is still purchased in the lease. For assistance to leasing companies treat both private and public entities. For example, most of the aircraft "cars" by Russian airlines bought on leasing. As with modern equipment for Moscow Printing Factory Goznak.
But the main customers of leasing companies - small and medium businesses. Unlike banks, leasing companies willing to enter into contracts with "kids".
And every year the conditions of contract are becoming more affordable: if three or four years ago, leasing companies were given the property to customers on average by 23% per annum, now - by 11,5%. Term of lease depends on the subject of the transaction. "Gazelle" and other vehicles are usually leased for 1 - 3 years. The initial contribution - from zero. The size of the transaction - from $ 10 thousand.
A purchase of a lease, for example, a warehouse complex occurs in other conditions. Term of payment under the contract may take up to 10 years and more. A businessman entered into a lease agreement to pay sums comparable to rent payments. But after a few years to become a full owner of the premises. Increased demand now, according to analysts, use buses, trucks and construction equipment. Some leasing companies will give out loans to buy cars, as some banks consumer loans. Decision on transactions up to $ 200,000 taken for half an hour. For processing the transaction will require a small package of documents to gather that is not a problem.
Leasing transactions are classified into several types
Financial leasing. The leasing company acquires the property necessary Entrepreneur property. In fact, financial leasing is a form of long-term credit purchases. Upon expiration of the contract the lessee can return the object of the contract, to extend the agreement or enter into a new, as well as purchase a lease for the residual value (usually it is symbolic).
Leaseback are primarily interested in companies experiencing difficulties with financial resources. Thus firms to profitably sell the property leasing company, simultaneously enter into the lease agreement and continue to use the property. Following the transaction, the lessee receives the necessary working capital and enjoys the legal ways to minimize taxes on your company. Having paid the amount of the leaseback agreement, the entrepreneur gets back the ownership of the property.
Operating lease involves the transfer of property for the use of refillable for a period of time shorter than its economic life. At the expiration of the lease agreement and subject to payment of the full amount of the lessee under the contract, the property returns to the leasing company. In this case the lessee has no right to demand the transfer of ownership of the leased asset. Typically, the operating lease shall be construction equipment (cranes, excavators, etc.), transportation, printing equipment. With a revolving lease leasing company for the contract periodically obsolete equipment acquired on lease.
Leasing Advantages
Availability of funds: leasing may be the only source of funds of the company or individual entrepreneur has no business history and property for collateral.
Tax benefits: Leasing payments are fully included in the cost and reduce the taxable base for income tax; exploiting a leasing company reduces payments of value added tax; lessee does not pay property tax, because until full payment is listed in the property leasing company;
due to accelerated depreciation of the total period of property tax is reduced to 1,5 - 3 times, and for the duration of the contract is complete or nearly complete depreciation of property. As a result, the company receives the equipment in the property on the residual value, significant savings in the future on the property tax.
Its essence is that property and equipment do not need to buy immediately. For several years, they can be used on a leasehold basis, and only then redeem at the residual price. The first leasing company appeared on Mar. 20, 1855 in England. Berminghem Wagon Company leased for five - eight years of trains to transport coal. Transport companies willing to use this offer. After the end of the lease locomotives and wagons moved into their property.
Cars, airplanes, boats, expensive machines and even office equipment is still purchased in the lease. For assistance to leasing companies treat both private and public entities. For example, most of the aircraft "cars" by Russian airlines bought on leasing. As with modern equipment for Moscow Printing Factory Goznak.
But the main customers of leasing companies - small and medium businesses. Unlike banks, leasing companies willing to enter into contracts with "kids".
And every year the conditions of contract are becoming more affordable: if three or four years ago, leasing companies were given the property to customers on average by 23% per annum, now - by 11,5%. Term of lease depends on the subject of the transaction. "Gazelle" and other vehicles are usually leased for 1 - 3 years. The initial contribution - from zero. The size of the transaction - from $ 10 thousand.
A purchase of a lease, for example, a warehouse complex occurs in other conditions. Term of payment under the contract may take up to 10 years and more. A businessman entered into a lease agreement to pay sums comparable to rent payments. But after a few years to become a full owner of the premises. Increased demand now, according to analysts, use buses, trucks and construction equipment. Some leasing companies will give out loans to buy cars, as some banks consumer loans. Decision on transactions up to $ 200,000 taken for half an hour. For processing the transaction will require a small package of documents to gather that is not a problem.
Leasing transactions are classified into several types
Financial leasing. The leasing company acquires the property necessary Entrepreneur property. In fact, financial leasing is a form of long-term credit purchases. Upon expiration of the contract the lessee can return the object of the contract, to extend the agreement or enter into a new, as well as purchase a lease for the residual value (usually it is symbolic).
Leaseback are primarily interested in companies experiencing difficulties with financial resources. Thus firms to profitably sell the property leasing company, simultaneously enter into the lease agreement and continue to use the property. Following the transaction, the lessee receives the necessary working capital and enjoys the legal ways to minimize taxes on your company. Having paid the amount of the leaseback agreement, the entrepreneur gets back the ownership of the property.
Operating lease involves the transfer of property for the use of refillable for a period of time shorter than its economic life. At the expiration of the lease agreement and subject to payment of the full amount of the lessee under the contract, the property returns to the leasing company. In this case the lessee has no right to demand the transfer of ownership of the leased asset. Typically, the operating lease shall be construction equipment (cranes, excavators, etc.), transportation, printing equipment. With a revolving lease leasing company for the contract periodically obsolete equipment acquired on lease.
Leasing Advantages
Availability of funds: leasing may be the only source of funds of the company or individual entrepreneur has no business history and property for collateral.
Tax benefits: Leasing payments are fully included in the cost and reduce the taxable base for income tax; exploiting a leasing company reduces payments of value added tax; lessee does not pay property tax, because until full payment is listed in the property leasing company;
due to accelerated depreciation of the total period of property tax is reduced to 1,5 - 3 times, and for the duration of the contract is complete or nearly complete depreciation of property. As a result, the company receives the equipment in the property on the residual value, significant savings in the future on the property tax.
No comments:
Post a Comment