Leasing

Notion " the leasing " is directly linked to the direct translation of English of verb to lease (to lease out), to know in the signification of the name. By saying the simpler language, leasing " is an aspect defined with the financing by credit, which gets a form from the acquisition of something that will augment the fixed funds of the organisation (firms, societies).
But to call leasing simply as credit – it isn't correct, the system of the reception of "leasing" distinguishes itself a bit from the financing by ordinary credit. Fact is that during the presentation of credit, the borrower receives or the money on the acquisition of the necessary goods, or the goods itself in life usage, а then pays the sum of debt with percent.

Leasing distinguishes itself from the financing by credit by the fact that the goods, that is necessary лизингополучателю, acquires лизингодатель, "delays it" then in temporary usage лизингополучателю, who pays the money for it. So, it happens that leasing " it is simple lease, but with the subsequent right to the redemption of the rented goods.

To begin the object of leasing can commercial real estate, specialised equipment, vehicles, technology or even whole firm. But there are some exceptions, for example, fields. According to legislation, the empty ground (without buildings) is the natural object, а can't be, consequently, the object of leasing.

Today leasing is the banking current product. To firms it is favourable to contact to the bank notably after leasing ". The crushing Majority of the banks grant leasing, since form given by the financing by credit is economically favourable for лизингодателя, and for лизингополучателя. Ordinary credit has enough high percentage of the increase of the goods, since the bank has risks defined on the loss of given resources. In "leasing" situation stays under control: the bank is the owner of objects leased out.


For лизингополучателя the economic benefit is that the payments of agreements of "leasing", by being expenses, diminish considerably the material basis of the calculation of taxes on the benefit. Although, at the same time, remittance is above all calculated of the volume of the benefit, which brings the rented object. Besides the businessmen contact the bank for the presentation of leasing in cases where it is necessary urgent to acquire new equipment or commercial real estate, а to take credit there isn't possibility. During the presentation of the more transparent "leasing" of condition and less the rigid.

So, it happens that leasing - the most favourable variant of the financing by original credit for the firm for the purposes of renovation or increase of main means. Use leasing rationally for the acquisition of the new equipment, the transport and another technology. And besides comfort and benefit of leasing by comparison with other banking products are obvious.

Tender_bank_guarantee

Often among conditions, which move forward organisations disposing invitations to tender, there is a presence to the participants of her one - disante guaranteed by invitation to tender – financial guarantee by the bank of execution by the society - participant of obligations. For state-owned companies the maximum of requirements is established: they have the right to ask the participants of the invitation to tender of financial guarantee by the sum not more than 30 % sum declared by the client in the invitation to tender.
The service, which received the name the guarantee of banking invitation to tender, consists of the fact that the bank becomes a kind of defendant, guarantees execution by the participant of the invitation to tender of obligations taken the request of participation.

It is necessary to say that banking guarantee is considered the surest of everything, allows to participate in the competition not only the important business companies, but also relatively small, а in certain cases and the individuals.

As the guarantee of invitation to tender is granted

Conditions, on which the guarantee of the bank is granted, some points are similar on the conditions of the conferment of credit. Since the sum of the loan the bank is sizeable in that case, the bank has the right to give such credit as of purpose, to ask for the report of the client – in case of the banking guarantee of invitation to tender of it it doesn't need: for the decision-making on the distribution (conferment) of guarantee it is only enough to introduce to the bank the wallet relatively quickly gathered by documents. He, in general, includes the statuary documents and the papers confirming the participation of the client in any competition, passed by the state-owned company. It is necessary to say that practice shows: one asks most often only the cooperation with state-owned companies for the guarantee of banking invitation to tender.


After one - two days the society-client of the bank receives confirmation on the conferment of guarantee and can put it in the packet of the material of invitation to tender. To tell the truth, for services the bank takes committees. They, besides, don't exceed five percent of the sum asked by the organisation-organizer of the invitation to tender as guarantee.

Difference of the guarantee of invitation to tender of credit

More comfortable and less in a financial way затратная (for the participant of the invitation to tender) banking guarantee takes a form in some days. Of more the client enjoyed by service, shouldn't care that:

Get ready for the control of the society by the committee of credit;
Gather means so that they become the reservation, which would help to fulfil obligations in front of гос. By the client;
Think that the pledge for the loan to the bank could become.
For the reception of the guarantee, except documents, it is necessary only to bring to the bank the sum of its committee, which, as we said already, is relatively not big.

The sure banks grant guarantee only having solid reputation that reduces even more financial risks of the client.

By surer, by comparison with credit, the speed of the reception of guarantee is, a high likelihood of acceptance the bank of positive decision and fact than guarantee of banking invitation to tender becomes an important competitive advantage in front of other participants of competition.


The guarantee of invitation to tender and its possibilities

It is obvious that the guarantee of the bank discovers new possibilities for the clients planning the participation in invitations to tender: the absence of necessity with financial independent guarantee with value requested by obligations in front of the client, the organizer of the invitation to tender allows to participate in competitions to societies baby, the companies of medium quality, in certain cases and the individuals. The guarantee, at the expense of the speed of conferment, becomes the medium express to augment chances of victory in the invitation to tender.

Favorable_credits!

Recalls

At home the serious countryside, at the same time some big plans go, the money always in the turnover. We are always on the friends, they disorientated me on the half million euro, а for it that plans he is necessary lead to good term means of production, at least which, in the least small, representation expenses, receptions abroad et cetera. In seeing in Internet, respected recalls and decided to contact because in the life of business a lot of times collided with banks and I have opinion on them close negative. In the agency they liked, order was quickly carried out, качествено, the children on 100 % recover remuneration. Is possible be a still one I will send secretly.

Vladimir Léonidovitch



2 years the credit behind received 500 000 roubles under 22 annuities in one of the known banks (until now is actively given publicity), in the case by which it by the picture deceived on 20 т.р. the prestidigitators, and besides promised 500 000, а when came, offered only 150 000, counted of more percent for all period 42 % а must pay too in total in 5 years 220 т.р. Of 150 т.р. Of credit. It simply frenzy, would spit with eyes.
In six months phoned, offered the financing by favourable credit, came, sum had cut for 2 times, regularised documents, all divided, in 30 mines said that will given.

Recently there was a proposal to buy the ready shop, began contacting to banks and to brokers of credit, in the steam of banks met with refusal, to the brokers paid only according to 1500 roubles for the history of credit, nobody gave credit, or asked any receipts, accountancies et cetera, а I have nothing to make as to display all управленку he is incomprehensible to whom. Contacted the Agency Of credit 24, in 3-4 days approved 600 т.р. received under 23 % annuities. Still offered the living room of beauty, I want to take another 500 т.р.

Rushes Mikhaïl



Withdrew the place, opened the chemist's shop, business went well, decided to buy back real estate.
In necessary summer a big sum, in the site sent request, asked for one and half million, answer came quickly, approved a million four hundred thousand, and in addition to emergency, because to the sellers of real estate he gets it into the head to buy the ground. Received the very quickly money. For reception stayed sums began regularising the place in property, credit on the security. Received 2 millions under 12.5 % annuities. Job went hardly because banks asked for a lot of papers, because mortgage credit and rate of low percentage. The Agency of credit regularised pledge to two banks, in total both creditors accepted, but in one of them they asked for the use of purpose of credit, we refused and took credit by the counting money.
Now at our place the chemist's shop untwisted with low prices, place in property, we plan to pay credit the maximum in 3 years. Then the business will have one very high cost. 24 I wouldn't have gone without agency Of credit exactly!

SOKOLOVA E.V.

Came with the advice of knowledge. He was necessary the money for repairing and for business. In receipt 500 т.р. Thank you, helped. I will recommend that my knowledge came to you.

Madam Aroutjunyan

We take care of sales roughly of some money. There was a possibility of taking care of the importation, without intermediaries, was necessary urgently a big sum of the money. Contacted banks, there figs, although turnovers according to the cards of debit about 4 millions of rub. in one year are. Despair entered Internet, if came to teach there are people, who can help with credit with a big sum and am quick. In finding a good site, phoned to the office, came to the office. I didn't like: the aunt is sitting down, smokes, said you will receive how much you would like, presence up to air лохотрона, am direct is felt, left. Then contacted Internet once again and saw Kredit-24 everything went to visit, in the office the feeling of movement and security, am definite, methodically, correctly. In receipt about 4 millions by money counting in week. We triumph, hourrah!



The bank sent approval on the autocredit of 2 millions 600., and besides myself, I didn't give request. When, the autumn contacted these after credit on 750 т.р. refusal came. It appeared as opened went to the Agency Of credit 24, clarified that refusal came of for approved hanging credit, а second refusal of for a big quantity of calls, such a previous credit was entirely closed but to another bank. In total of lines the foot will break, in the Agency Of credit received 700 т.р. as wanted, under 19 % annuities. Although 10 % contacted, even having paid the committee spared 100 000 anyway rub.

DOBROLJUBOV B.V.

Broker credit!

In our company will return you the professional services of the reception of the credit of any purposes. We will help you the credit has take has the bank! The credit by the counting money, the hypotheque and the credit are on the security complex products, who ask for professional approach. As the practitioner – shows almost the moitie of our clients she those, has who have refuse the credit deja has 2-3 banks. Don't waste time! Your time is more expensive, than our committee for services!

Without having the experience of similar questions, you will understand infinitely for a long time the huge quantite of proposals of credit and choose not very probably the best variant. To us with pleasure, by leaning on your possibilites and desirs, we will choose the bank, or some banks offering conditions admitting you the financing by credit. Why it is better to us to entrust this job? Because banks protegent interets, а the broker of credit — the interets of the clients!

If etes you interf-holes by the selection competente of the programme of credit, has who your interets will be proteges, address has us! Our collaborators will help the programme of credit has choose the bank and, it is correct to gather and to regulariser the packet of documents.

Those contact optimal variant has meme us, in which disposition is enough the time, knowledge and information for independamment to analyse walks it of banking proposals and to choose. Indeed, advice of the broker experimente — shapeless in banking proposals, intermediaire between the bank and the client — superfluous doesn't arrive!

To ours sense, service is:

- When to the office it is enough to come once so that for the cup of the to choose the programme of credit

- When the reception of the credit of the oppressive stain is transformed there agreable pleasure

- When explain you the reason of the refusals of other banks

- When go up furtively banks re-laying in requirements

- When settles in you the personal manager, with whom you will work has the length of everything walks him

- When you can teach has which stadium your request

- When you can receive the consultation of each of the aspects of the financing by credit.

What you will be favour the broker of credit?

- You want to buy the flat, but the money isn't enough?

- The exit is! Act as the credit of the purchase of the flat! 

- The broker of credit of the company will find reponses has these the multitude of other questions and will help has to receive the credit!

You don't understand, why the bank has you refuse the conferment of the credit of consumption? You the premiere time want to take the credit and don't know that to make? The professional consultation of the expert of credit in the reception of the credit is necessaire to you?

The broker of credit - your partner on in the sphere of the financing by credit!