Leasing conditions for individuals. Installment or leasing? That is the question of Privat leasing in the 5th element - early repayment

Please note that the information posted on the site is for informational purposes only and does not constitute a public offer.

Leasing under the “4:0 in your favor” program

The unique joint program of Major Leasing LLC together with Major Auto AA “4:0 in your favor” allows you to purchase the most popular cars without a down payment!

Benefits of the program

1. 0% advance! Clients get the opportunity to save on start-up investments and not be distracted cash out of circulation. To purchase a car, you only need to pay for insurance.
2. The speed of purchasing a car! No need to raise funds for the purchase. We liked the car - we got approval from the credit and insurance department of Major Auto and drove away in the car!
3. The simplest product! No complicated calculations, all conditions are simple and transparent: 0% advance, equal payments, 48 ​​months. Understandable fixed payment for the entire period.

What do you need to do

1. Choose the car you like.
2. Submit documents for consideration to the credit and insurance department of Major Auto.
3. To get approval.
4. Take out insurance.
5. Leave in your own car.
6. Make a fixed monthly payment.

Subject of leasing

New vehicles from the list of vehicles under the program.

Term

48 months

Amount of funding

An initial fee

Cars included in the program

Leasing under the MAJOR Finance Profitable program

Car purchase program "MAJOR Finance" Profitable» this is a basic program for all cars and only for individuals.

To date, this is the most the best way buying a car on the market. Major is the only company on Russian market, which allows customers to simultaneously take advantage of corporate discounts on cars, receive discounts on service, flexible conditions for registration and servicing of the contract, and also receive economic benefits, including on total amount financing agreements.

As part of this program, the cost of financing for the client is reduced, due to which the client receives more profitable proposition than on a loan. The client also receives additional benefits through discounts on service at the Major service station: 50% discount on labor and 10% discount on spare parts during the period of validity of the contract.

Subject of leasing

New and used vehicles purchased from Major Auto.

Term

from 6 to 60 months

Amount of funding

Minimum amount financing 300,000 rub.

An initial fee

from 20% of the cost of the car

Residual value

up to 80% of cost

Other benefits

Possibility of including the cost of insurance and additional equipment in leasing payments.

Early dissolution

In case of early termination of the leasing agreement with the return of the car to the leasing company, Major Leasing can offer the maximum residual value due to the capabilities of the Major Group to sell a used car.

Additional Information

Planned Maintenance the vehicle must be carried out at Major Auto service centers on time and in the amount provided for by the conditions Seller (manufacturer).

“Maximum Benefit” program

Program "Maximum benefit"- a unique offer for leasing individuals to purchase vehicles with maximum benefit. This program allows the client not to divert the entire amount to purchase a car at once and receive a corporate discount on the car. The saved funds can be invested in other areas, for example, a bank deposit.

Financing terms:

• Advance payment from 49%. The first 2 payments are repayment of the principal part of the debt.
• The minimum funding amount is RUB 400,000.
• Financing period from 12 months.
• Early termination of the contract after 6 months.
• Subject of leasing: cars and light commercial vehicles.
• Flexible terms for debt restructuring.

1. For customers purchasing a car with cash. Apply for leasing - receive a discount on the car, which covers the overpayment under the leasing agreement. It turns out to be an installment plan!
2. Customers who lack a small amount for a purchase (for example, have chosen a more expensive package).
3. A client who has uneven income. For example, bonuses are paid every six months.
4. Client who would like to deposit own funds more than 49% and get a discount on a car.
5. A customer who compares a leasing offer with a loan.
6. Clients who do not want or cannot register property in their name. For example, state employees.

Calculation example, Volvo XC90 Momentum 2.0T/249 8AT 4WD 5S

Cash purchase

Car cost = RUB 4,082,600.
Transport tax for 1 year = RUB 22,254.38
Registration with the traffic police = RUB 2,850 state duty + Independent labor costs
Total Total Costs for the purchase of a car for 12 months. = RUB 4,107,704.38

Purchase on lease

Car cost RUB 3,755,992
Transport tax for 1 year = RUB 22,254.38- Included in payments
Registration with the traffic police = RUB 2,850 state duty - Included in payments
Registration with the traffic police - 12,000 rub.- Included in payments
Advance payment - 49% = RUB 1,840,436.08
1st and 2nd payment = 751,000 rub.
Monthly payment for 10 months RUB 136,276.05
Total Total Costs RUB 3,954,196.58

Purchase on credit, rate 10.6%, life insurance 2.5%

Car cost including corporate discount = RUB 4,082,600
Transport tax for 1 year = RUB 22,254.38
Registration with the traffic police = RUB 2,850 state duty
Independent labor costs
An initial fee = RUB 1,840,436.08
Monthly payment for 12 months RUB 203,050
Total Total Costs to own a car for 12 months. = RUB 4,302,140.46

Leasing under the AutoClassic program

Financing and acquisition of passenger and commercial vehicles and their subsequent transfer to the lessee for long-term use with the right to purchase at the end of the contract.

Leased item*

• new cars
• commercial transport

Term

from 6 to 60 months

Amount of funding

The minimum funding amount is RUB 300,000.

An initial fee

from 20 to 49% of the cost of the car

Terms of redemption

from 1,000 rubles to 10% of the cost of the car

Other benefits

Possibility of including the cost of insurance and additional equipment in leasing payments

Average annual price increase**

* meeting the requirements of Major Leasing
** these rates are indicative, their calculation depends on the combination of all transaction parameters

Leasing under the “Buy Back” program

Cars for leasing to individuals can be issued without transfer of ownership. In this case, the terms of the contract are slightly different.

On May 15, 2015, Belarus completely switched to digital television broadcasting, so family council The average Belarusian family decided to purchase a new TV. Liquid crystal. Import. And terribly flat.

While eating potato pancakes, they discussed the new TV

For reconnaissance, the family went to the 5 Element store, where they unanimously fell in love with the Samsung UE40J5550AUXRU, adorned with a price tag of 9.3 million Belarusian rubles.

Here he is, an elegant handsome man

Our family was quite ordinary - dad and mom raised two children, received 3.5 million rubles each and had no other loans.

This is where the backstory ends. The family was offered a choice of taking the TV in installments for 6 months, on credit for 1 year and in... some unknown “leasing”. Moreover, there were several loans from different banks, but only one leasing :)

When our heroes returned home, dad turned on the old laptop, and the family delved into studying all the nuances of the upcoming purchase. And we found out that the rates offered in the store were still too high. It was worth the choice. It will result in the least overpayment, and repay monetary obligations

It’s possible ahead of schedule (if dad’s salary is increased). A big plus was also the lack additional commissions and payments. Effective rate

on the loan 54% (it may be less, under certain conditions).

Therefore, the father of the family quickly wrote a formula, then it was transferred to Excel and the following calculations were obtained.

Annuity payment method (overpayment 2,938,747)

Differentiated payment method (overpayment 2,720,250) Then a call was made to Paritetbank, where a specialist previously confirmed that dad’s 3.5 million and mom’s 3.5 million would be enough to get a loan. You can apply for money right now, the main thing is to have income certificate

in 3 months. They promised to review the application within 3 hours and immediately issue the required amount. In your arms. By the way, they suggested where the nearest branch is located, which you can contact. It turned out that leasing is financial instrument . Its essence is as follows. The lessor (company) buys an apartment, car or TV from someone (company or store), and then transfers this item for long-term lease with the right of purchase to the lessee (in in this case

- our family). The main thing is to make lease payments on time and to ensure that the leased asset is non-consumable. In other words, so that it cannot be eaten, poured into a gas tank or put into a washing machine :) The TV fit all these parameters. In the shop new service

Screenshot from lising.by

The data from this document was inserted into a formula in Excel to produce the following calculation.

Annuity payment for leasing (overpayment 3,523,357)

After this, a call was made to the Privat Leasing company.

“You can lease goods for 13 months,” explained the girl who answered the phone, “without a certificate of income, there will be an overpayment of 2.99% per month.” Do you want to register without a down payment?

-Which is more profitable?

— If you apply without a down payment, you have 12 equal payments left. Payments will be 993 thousand 450 rubles.

— But you said leasing for 13 months...

- Yes, for 13 months - that is, if there is a down payment. It is considered as the first payment in the current month. And the next payment will go (for example, if you issued on May 15) until July 1. And if the lease is without a down payment, then you will need to make the current payment before June 1 (993 thousand 450 rubles).

— What if I make a 1 million down payment?

— Monthly payment you will have 886 thousand. That is, you deposit a million at once, and for 886 thousand you will still have 12 equal payments.

- And if suddenly there are problems with work, I won’t be able to pay. What will happen then?

— You will incur a penalty of 1% of the monthly payment for each day of delay.

- How long will she walk?

- Depending on how much you won't pay.

— Is there no fine?

— Is the installment plan in the “5th element” also from you?

- Yes. The installment plan is already without overpayments.

— Do I just break the cost into 6 parts and pay?

- No. Look. Installment plans are available only with an initial payment. Down payment from 20 to 40%. If you contribute 20%, this is 1.86 million. The remaining amount (7.44 million) is paid in equal payments over 6 months, 1.24 million rubles each.

— In this case, a certificate will also not be needed?

- Yes. Here, too, you will not need a certificate.

Perhaps other leasing companies will offer more favorable conditions? A call followed to Idea Finance JLLCScreenshot from the site:

www.ideafinance.by

An interesting juxtaposition: “fair leasing” and “get money (registration only takes 15 minutes!)”

A similar situation arose with the Easy Credit company. They confirmed that a certificate of income will not be required when drawing up a leasing agreement. But they did not go into details. They advised me to look at the list of partner stores on their website and contact them to draw up an agreement.

However, if the first page of the Easy Credit website loaded normally...

... then the store catalog stubbornly refused to load.

So, our family can take stock. And for clarity, summarize the findings in a table.

What happens?

Judging by the overpayment, a loan is more profitable. However, the family cheated a little with the loan. One of the most “profitable” loans was taken out, which will not be offered in the store.

If you look at the amount of overpayments on loans issued in stores, the minimum will be - 3 439 197 , and this is actually an overpayment for leasing.

Both the loan and the lease that were offered to our heroes can be repaid ahead of schedule. However, the money borrowed on credit can be spent on something else on the way from the bank to the store :) For example, on a refrigerator.

And it turns out that, judging by the offers at the point of sale, buying on lease is practically no different from buying on credit.

Except for one thing - a certificate of income is not required.

Draw your own conclusions. If you want to save money, you can take out a consumer loan from a bank rather than from a store - and then credit decision will be more profitable. If you compare the loans in the store and the leasing offer there, it turns out that there are fewer problems with leasing.

On May 15, 2015, Belarus completely switched to digital television broadcasting, so at the family council of the average Belarusian family it was decided to purchase a new TV. Liquid crystal. Import. And terribly flat.

While eating potato pancakes, they discussed the new TV

For reconnaissance, the family went to the 5 Element store, where they unanimously fell in love with the Samsung UE40J5550AUXRU, adorned with a price tag of 9.3 million Belarusian rubles.

Here he is, an elegant handsome man

Our family was quite ordinary - dad and mom raised two children, received 3.5 million rubles each and had no other loans.

This is where the backstory ends. The family was offered a choice of taking the TV in installments for 6 months, on credit for 1 year and in... some unknown “leasing”. Moreover, there were several loans from different banks, but only one leasing :)

First, they went to the Infobank.by website, to a page with consumer loans. And we found out that the rates offered in the store were still too high. It was worth choosing “Consumer Loan” from Paritetbank. It will result in the least overpayment, and you can pay off your financial obligations ahead of schedule (if dad’s salary is increased).

A big plus was also the absence of additional commissions and payments. The effective loan rate is 54% (it may be lower under certain conditions).

on the loan 54% (it may be less, under certain conditions).

Therefore, the father of the family quickly wrote a formula, then it was transferred to Excel and the following calculations were obtained.

Annuity payment method (overpayment 2,938,747)

Differentiated payment method (overpayment 2,720,250) Then a call was made to Paritetbank, where a specialist previously confirmed that dad’s 3.5 million and mom’s 3.5 million would be enough to get a loan. You can apply for money right now, the main thing is to have income certificate

It turned out that leasing is a financial instrument. Its essence is as follows. The lessor (company) buys an apartment, car or TV from someone (company or store), and then transfers this item for long-term lease with the right to buy to the lessee (in this case, our family).

The main thing is to make lease payments on time and to ensure that the leased asset is non-consumable. In other words, so that it cannot be eaten, poured into a gas tank or put into a washing machine :) The TV fit all these parameters. In the store, a new service was offered by the Privat Leasing company. This interesting document was found on the lessor’s website.

Screenshot from lising.by

The data from this document was inserted into a formula in Excel to produce the following calculation.

Annuity payment for leasing (overpayment 3,523,357)

After this, a call was made to the Privat Leasing company.

“You can lease goods for 13 months,” explained the girl who answered the phone, “without a certificate of income, there will be an overpayment of 2.99% per month.” Do you want to register without a down payment?

-Which is more profitable?

— If you apply without a down payment, you have 12 equal payments left. Payments will be 993 thousand 450 rubles.

— But you said leasing for 13 months...

- Yes, for 13 months - that is, if there is a down payment. It is considered as the first payment in the current month. And the next payment will go (for example, if you issued on May 15) until July 1. And if the lease is without a down payment, then you will need to make the current payment before June 1 (993 thousand 450 rubles).

— What if I make a 1 million down payment?

— Your monthly payment will be 886 thousand. That is, you deposit a million at once, and for 886 thousand you will still have 12 equal payments.

- And if suddenly there are problems with work, I won’t be able to pay. What will happen then?

— You will incur a penalty of 1% of the monthly payment for each day of delay.

- How long will she walk?

- Depending on how much you won't pay.

— Is there no fine?

— Is the installment plan in the “5th element” also from you?

- Yes. The installment plan is already without overpayments.

— Do I just break the cost into 6 parts and pay?

- No. Look. Installment plans are available only with an initial payment. Down payment from 20 to 40%. If you contribute 20%, this is 1.86 million. The remaining amount (7.44 million) is paid in equal payments over 6 months, 1.24 million rubles each.

— In this case, a certificate will also not be needed?

- Yes. Here, too, you will not need a certificate.

www.ideafinance.by

An interesting juxtaposition: “fair leasing” and “get money (registration only takes 15 minutes!)”

A similar situation arose with the Easy Credit company. They confirmed that a certificate of income will not be required when drawing up a leasing agreement. But they did not go into details. They advised me to look at the list of partner stores on their website and contact them to draw up an agreement.

However, if the first page of the Easy Credit website loaded normally...

... then the store catalog stubbornly refused to load.

So, our family can take stock. And for clarity, summarize the findings in a table.

What happens?

Judging by the overpayment, a loan is more profitable. However, the family cheated a little with the loan. One of the most “profitable” loans was taken out, which will not be offered in the store.

If you look at the amount of overpayments on loans issued in stores, the minimum will be - 3 439 197 , and this is actually an overpayment for leasing.

Both the loan and the lease that were offered to our heroes can be repaid ahead of schedule. However, the money borrowed on credit can be spent on something else on the way from the bank to the store :) For example, on a refrigerator.

And it turns out that, judging by the offers at the point of sale, buying on lease is practically no different from buying on credit.

Except for one thing - a certificate of income is not required.

Draw your own conclusions. If you want to save money, you can take out a consumer loan from a bank rather than from a store - and then the loan solution will be more profitable. If you compare the loans in the store and the leasing offer there, it turns out that there are fewer problems with leasing.

We are so accustomed to comfort that sometimes we don’t even think about how much time and effort household appliances save us. For a modern person, the phrase “hand washing” brings to mind the mode of a washing machine, but not the idea of ​​a useful type of housework. It is even more difficult to imagine life without a refrigerator; our imagination draws terrible pictures - a plastic bag of groceries outside the window. Such fantasies make you want to shudder and go to thank your trouble-free housekeepers. But what to do if household appliances are hopelessly outdated, or worse, have died for a long time?

Growing children are asking for a tablet, but your phone has long ceased to suit you? The question arises - where to get the money to buy new equipment at the moment?

Don't be upset! Installment plans and leasing with Home Credit Bank are your opportunity to realize your desires!

Leading companies have become partners of the Installment plan and leasing program retail chains Republic.

Installment plan for 5 months

Chain of stores:

• "Corona-Techno"
• "Electrosila"
• "5th element"

Installment plan for 6 months

Chain of stores:

"Instalment"

Chain of stores:

• "Svyaznoy"
• "Euroset"
• "BRW"
• "Horse Motors"

Advantages of the “INSTALLMENT” loan offer from Home Credit Bank:

• Interest rate 0,1%
• Loan size from 300,000 to 25,000,000 Belarusian rubles;
• You buy the things you need in installments at the most favorable conditions
• Use your unspent cash for other purposes: recreation, sports, favorite hobbies or other purchases

Credit in 5 element

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Up to 1,000,000 rubles for 1 hour without certificates. Application to Renaissance Bank for a cash loan on the day of application. From 30,000 to 1,000,000 rubles. Without guarantors, a loan in the 5th element, a leasing element. Buy leasing company element leasing is one of the leaders of the leasing market in the segment of small loans! Rates from 16% (up to RUB 1,000,000) We approve 9 out of 10 loans! Credit in the 5th element, 5th element - online store - 5th element - online store of household appliances and audio-video in Belarus: LCD TVs - credit in the 5th element, personal finance RBC is a credit portal about where and how to choose the right loan. How not to overpay on a loan. Credit in 5 element, network of fitness clubs 5 elements. Fitness club in Novosibirsk with a wide variety of classes and inexpensive access. Russian standard up to 450 thousand rubles. Russian standard loan up to 450 t.

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