The purchase of expensive machinery, equipment and machinery remains inaccessible to small companies, and therefore rental and leasing services for small businesses and individual entrepreneurs have become popular. Sberbank has several programs for various types of equipment that will contribute to the development of small businesses.
What is leasing?
You can draw up a leasing agreement at Sberbank for a car, truck or commercial vehicle for a period of 12 months. According to the bank's terms, special equipment is provided for at least 21 months.
Leasing is a type of agreement under which the lessor (leasing company Sberbank Leasing) leases property 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 by the leasing company to the lessee. The transfer of rights is formalized by an act of termination of the contract, which must be signed within 5 days from the end of the leasing period.
If the lessee does not sign the deed within the specified period, the lessor has the right not to transfer ownership rights to him. If the lessee has paid all lease payments, but has not fulfilled any other obligations (for example, has not paid fines or paid the redemption price), 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 operate when claims of third parties (competent state bodies, as a result of arrest, confiscation) are identified in the absence of the lessor’s fault, the lessee is obliged to unconditionally pay the closing amount of the transaction and compensate for losses within 10 days from the date of sending the claim lessor.
Terms of leasing for cars
To obtain a leasing agreement for a passenger car, a minimum down payment of 20% of the total cost of financing will be required. The maximum loan amount under the car leasing program is up to 24,000,000 rubles or up to 300,000,000 on an individual basis. After submitting the application, the bank makes a decision within 1-2 business days. The borrower can choose a payment schedule convenient for him: annuity, decreasing, differentiated or seasonal - and receive installments from 12 to 36 months.
You can lease either one passenger car or an entire fleet of vehicles at once. However, model range restrictions apply. More than 20 car brands are available under this leasing program, including Audi, Volvo, Volkswagen, Skoda, Citroen and others.
Leasing of commercial and passenger vehicles in Sberbank
up to 24 million rubles
from 12 to 36 months
* - interest under the agreement 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, Commercial Vehicle Leasing program, you can receive financing of up to 24,000,000 rubles or up to 300,000,000 according to client's request, an advance payment of 20% will be required.
Let's assume that a legal entity needs to lease a car worth 1,900,000 rubles. If you draw up an agreement with installments for 36 months and make an initial payment of 20% of the specified amount, then the monthly transaction will cost 55,717 rubles, and the overpayment will be 485,812 rubles (1,900,000 - 20% = 1,520,000 rubles went to leasing; total amount of payments: 55,717 * 36 = 2,005,812 rubles; 2,005,812 – 1,520,000).
Interest rates for each individual lease financing agreement may vary.
On the official website of Sberbank Leasing, using a special loan calculator, you can calculate the monthly payment based on the total cost of transport, the term of the contract and the amount of the advance payment.
Leasing of freight transport and special equipment
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, you will need a minimum advance payment of 20%, and a foreign-made one - from 15%. The agreement can be signed for a period of 1 to 4 years.
The maximum financing amount, decision-making time and payment schedule for truck leasing are the same as in the two programs described above.
To expand the fleet of special equipment, you cannot do without a down payment - at least 30%, and the term is up to 3 years. Under this program, you can lease construction, agricultural, road and warehouse equipment.
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 can be increased to 300 million rubles
Is insurance required for a leasing transaction?
One of the main requirements for concluding a leasing transaction with Sberbank is mandatory car insurance. OSAGO and CASCO insurance policies must be valid throughout the entire term of the leasing agreement.
Not every insurance company's policy will meet the bank's requirements - only those included in the list of partner companies (or its subsidiaries). Among them:
- "RosGosStrakh";
- "VTB Insurance";
- "VSK";
- "AlfaStrakhovanie";
- "Sogaz";
- "Reso-Garantiya";
- Liberty Insurance;
- "InGosStrakh";
- "Subsidiary" of Sberbank "Sberbank Insurance".
Insurance is mandatory for any leased vehicle.
Features of leasing financing at Sberbank
In 2017, new rules for leasing agreements were approved, however, little has changed in them. As before, when making changes to the agreement 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 that the vehicle undergoes an annual technical inspection, registration and bears other expenses. Payment of transport tax is made by the party to the transaction in whose name the property is registered under the leasing agreement.
Today, the closed joint-stock company Sberbank Leasing is recognized by all ratings as one of the largest leasing companies operating in the Russian Federation, as well as neighboring countries.
Today, the closed joint-stock company Sberbank Leasing is recognized by all ratings as one of the largest leasing companies operating in the Russian Federation, as well as neighboring countries. Today, it is Sberbank’s leasing projects that are involved in all areas of Russian industry. The main goal of the JSC is to actively contribute to the modernization and development of the economy of our country, to help the growth of funds of key enterprises in Russia. Today, Sberbank's leasing subsidiary receives the highest level of support from its parent state bank.
Leasing calculator in Sberbank
The Sberbank leasing calculator posted on our website allows you to make the most accurate calculation of the cost of a specific leasing program chosen by an individual or corporate client of the bank. The calculator also allows the client to determine which leasing repayment scheme will be the most optimal for him. In order to use the calculator, you need to enter the following data in the fields:
- what type of leasing object do you plan to use;
- what should be the duration of your leasing program;
- total cost of the leased object;
- interest on the leasing program set by the bank;
- down payment amount;
- the size of the one-time commission;
- depreciation percentage;
- type of payment (annuity/standard scheme).
Sberbank leasing for individuals
Sberbank offers individual clients a convenient leasing program for purchasing a car. Along with a car loan, leasing a car is distinguished by its simplicity and provides an individual with a number of advantages. In particular, leasing programs allow you to avoid large initial costs and save time on registering and processing a car. In order to lease a car, you need to select the brand of the car, the car dealership where you plan to rent it, and also collect data on the car and the seller for the bank. The paperwork process does not take much time. However, please note that you will be personally responsible for the car, despite the fact that it will officially belong to the bank.
Car leasing at Sberbank
For legal entities, Sberbank of Russia offers several car leasing programs:
- car leasing;
- truck leasing;
- leasing of commercial vehicles;
- leasing of special equipment.
Sberbank's corporate clients can take advantage of car leasing under the Light and Standard programs. The first is characterized by the ability to minimize the initial costs of purchasing a car on lease. The second, in turn, ensures that clients minimize monthly payments under the contract.
Real estate leasing Sberbank
In the field of real estate leasing, Sberbank is the undisputed leader among banking institutions offering similar services. The main products of Sberbank Leasing CJSC are:
- Financial leasing, in which a credit purchase of various real estate objects is carried out. Under the terms of the program, the bank finances up to 80% of a specific property, after which the property itself is leased to a legal entity.
- Leaseback involves refinancing expensive and short-term loans of the pawnshop and construction type. In other words, the bank purchases a property and then transfers it to the client on a long-term lease.
The term of real estate leasing can be up to 10 years. In this case, the leasing recipient must make only an advance payment, the amount of which, as a rule, is 10% of the market value of the object. The amount of leasing financing by the bank is from 100 million rubles.
Are you planning to start a new business or expand an existing one? Nothing could be easier! Arrange leasing for the necessary real estate, transport, equipment and get maximum profit.
What is leasing?
The concept of leasing includes a type of lending, more precisely, renting property with a subsequent option to buy it for a long period. To put it simply, the bank buys the property he needs for his partner and gives it to him for use for a rent.
Sberbank offers leasing services for all types of transport, equipment for farmers and builders, and real estate. Medium and large businessmen can lease sea, river, aircraft and railway transport from Sberbank.
The procedure is as follows: the lease recipient selects the car/vehicles, equipment or real estate he needs, the bank purchases and gives the selected leased item to the partner for use. An agreement is concluded indicating the purchase price, monthly payments and the possibility of purchasing the leased asset into ownership.
Leasing at Sberbank for individuals
At the moment, an ordinary person who is not an entrepreneur can apply for leasing only for the purchase of a passenger car. Leasing a car is more profitable and convenient than taking out a loan.
Required documents:
- Passport;
- Driver license;
- Document confirming income
The requirements for the leasing recipient are not very high; the very fact of having an income is important so that the borrower can meet the requirements for payments and transportation expenses. Registration takes place within one business day; the term of a leasing agreement is much longer than that of a loan.
- Another plus: in a financially difficult moment for the lease recipient, you can ask the bank for a deferment of payments. There is no need to re-assemble the package of documents to confirm temporary insolvency.
The down payment ranges from 10 to 30% of the purchase price, depending on the chosen program.
- Plus: leasing can be applied for by those who were denied a loan. Despite this, only a small part of citizens purchase cars on lease. The leasing service is little known and not popular. For this reason, Sberbank temporarily does not issue leasing for individuals.
Advantages and disadvantages
Since the owner of the leased property is Sberbank, it is not interested in the credit history of the borrower. The review of the application itself takes several hours, a maximum of a day.
- In the “Standard” program, the maximum down payment is 30% of the cost, but the overall percentage of overpayment is minimal. For the “Light” program, the down payment is only 10% of the total value of the property leased.
The agreement is transparent for the leasing recipient; there are no commissions, which are called hidden. Sberbank, as the party representing the lease, assumes the costs of maintaining the leased property.
The downside is that the borrower only has the right to use the property; it cannot be altered or carried out any actions not specified in the contract.
The maximum term of the leasing agreement is 37 months.
Sberbank Leasing is a universal leasing company that has existed for 25 years and cooperates with all client segments and all types of property. It provides long-term lease of equipment or real estate with the right of further purchase.
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Vehicle leasing
In 2019, this service can be used by both legal entities and individuals. As part of this car leasing program, you can purchase a passenger car (suitable for transporting up to 800 tons of cargo or transporting up to 8 people).
Under the leasing program (long-term rental), the following foreign or domestic brands of cars are available:
- Audi;
- Ford;
- Volkswagen;
- Nissan;
- Land Rover;
- Mercedes-Benz;
- VAZ (Lada);
The contract also contains a clause on compulsory auto insurance (MTPL, CASCO). The transaction process takes from 8 hours to 2 business days.
- advance payment - from 10%;
When applying for leasing, the bank does not request the client’s credit history, so fewer documents will be required.
Read more about leasing at Sberbank in the video from the afilm.tv channel.
Commercial vehicle leasing
Leasing features:
- the service is available for organizations and aspiring individual entrepreneurs;
- it is possible to purchase commercial vehicles with a maximum weight of up to 5 tons, including microvans, pickups, etc.;
- the contract provides for a clause on compulsory insurance (MTPL, CASCO);
- the deal with the lessee will be concluded within 2 business days.
Conditions for leasing:
- advance payment - from 15%;
- financing amount - up to 24 million rubles;
- contract term - from 12 to 37 months;
- The financing currency is Russian rubles.
Freight transport leasing
Sberbank provides financial support to clients who want to purchase domestic or foreign-made freight transport with the right to purchase.
The machine must meet the following criteria:
- have a permissible maximum weight of over 7 tons;
- have no more than 41t/3;
- have no more than 50t/4;
- be a sponsored brand (DAF, KAMAZ, etc.).
The contract also contains a clause on compulsory insurance (MTPL, CASCO). The transaction process takes from 8 hours to 2 business days.
Sberbank Leasing JSC offers clients profitable programs on the following conditions:
- advance payment - from 15% for foreign cars and from 20% for domestic cars and cars produced in the CIS;
- financing amount - up to 24 million rubles;
- contract term - from 12 to 48 months;
- The financing currency is Russian rubles.
Leasing of special equipment
In Russia, all Sberbank clients can use this service.
Within the framework of this program, you can lease the following types of special equipment:
- construction;
- road;
- agricultural;
- warehouse
The contract also provides for compulsory insurance (MTPL, CASCO). The transaction process takes from 8 hours to 2 business days.
Sberbank Leasing JSC offers clients profitable programs on the following conditions:
- advance payment - from 25 percent;
- financing amount - up to 24 million rubles;
- The financing currency is Russian rubles.
Bus leasing
Peculiarities:
- This service can be used by both legal entities and individuals.
- As part of this program, you can purchase a car. It must be suitable for carrying up to 800 tons of cargo or transporting up to 8 people.
- You can offer a vehicle of a foreign brand (Volkswagen, Audi, etc.) or a domestic one as a leasing vehicle.
- The contract contains a clause on compulsory insurance (MTPL, CASCO).
- The transaction process takes from 8 hours to 2 working days.
Sberbank Leasing JSC officially offers clients profitable programs on the following conditions:
- advance payment - from 20%;
- financing amount - up to 24 million rubles;
- contract term - from 12 to 36 months;
- The financing currency is Russian rubles.
Aircraft leasing
Sberbank provides financial support to companies wishing to purchase new or existing aircraft.
The program includes:
- domestic aircraft (SuperJet 100, AN-124);
- foreign aircraft (Boeing 737 Classic, Boeing 747-400);
- helicopter (MI-8).
Sberbank Leasing JSC provides clients with profitable programs on the following conditions:
- contract term - up to 12 years;
- financing currency - Russian rubles;
- The amount of the advance payment is determined individually.
Rolling stock leasing
This service can be used by all Sberbank clients. The fleet of rolling and traction stock leased is 50 thousand units.
Sberbank Leasing JSC can provide clients with profitable programs on the following conditions:
- advance payment - from 5%;
- contract term - from 7 to 10 years;
- The financing currency is Russian rubles.
Leasing of sea and river vessels
Sberbank Leasing JSC offers favorable conditions for the purchase of sea and river vessels from domestic and foreign shipbuilders.
Wherein:
- advance payment - from 10 to 20% (the interest rate is discussed when concluding the contract);
- contract term - up to 10 years;
- The financing currency is Russian rubles.
Equipment leasing
The company offers leasing services for the purchase of Russian and foreign-made equipment.
Sberbank Leasing JSC provides clients with favorable conditions:
- advance payment - from 30%;
- financing amount - from 30 million rubles;
- the term of the contract is determined individually;
- The financing currency is Russian rubles.
Real estate leasing
Domestic companies have the opportunity to lease real estate.
The company provides services under such leasing programs as:
- Returnable. The bank buys real estate from a client who refinances the debt on this property and receives it on a long-term lease.
- Financial. The company finances up to 80% of the market value of the property and leases it to the Buyer.
The leasing conditions are as follows:
- the contract can be issued for a period of up to 10 years;
- the lessee must make an advance payment, the amount of which is 10% of the market value of the property;
- financing amount – from 100 million rubles.
Programs for medium and large businesses
Sberbank Leasing JSC offers optimal conditions for the purchase of transport and equipment for business.
Two programs have been developed for medium and large entrepreneurs:
- "Standard". The purchase of special equipment worth up to 300 million rubles is financed. The decision is made within 10 working days. The interest rate is set individually for each legal entity. The duration of the contract is up to 7 years.
- "Project". This is a special option that involves structuring the transaction for individual clients. Financing is provided in the amount of up to 1.5 billion rubles with an individual interest rate.
The video describes the Project program in detail. The video was taken from the Sberbank Leasing channel.
Leasing for the largest business
The registration of a leasing agreement for this category of business is carried out under the “Project” program. Representatives of Sberbank review applications from applicants whose activities are carried out within the framework of investment projects. They must qualify for a purchase worth up to 1.5 billion rubles.
The Lessor undertakes:
- structure the transaction individually for the applicant;
- allocate a leasing limit for a year;
- provide a personal approach to setting interest rates.
Leasing at Sberbank for major businessmen can be calculated for the following objects:
- transport;
- aircraft;
- rolling stock;
- sea and river vessels;
- equipment and special equipment;
- real estate;
- communications and telecommunications.
Online calculator
Thanks to the online calculator, you can calculate the cost of leasing. You just need to enter the parameters, and the program will automatically calculate the amount of the monthly payment.