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.