What is leasing?

Recently, this form has become popularlease as a lease. What is it that attracts entrepreneurs in this type of operations? In fact, this kind of lease is attractive not only for the borrower, but also for the lender, as it implies the non-investment of capital in the property complex or fixed assets and subsequent purchase of the lease object.

Thus, on the one hand, the investoracquires absolutely unnecessary equipment to him and lends it for temporary use, for which he receives an appropriate fee. Moreover, after a certain period of time, the borrower simply redeems the used property. On the other hand, an entrepreneur who currently does not have temporarily free cash to buy the necessary inventory is now able to use it.

Considering what a lease is, it is worthwhile to understand,that this is primarily a successful investment of funds. The lender acquires certain equipment at the request of the customer and passes it to the latter in personal order for a specific period of time, after which the borrower retains the right to fully repurchase this property. Between the participants of the transaction is a written agreement, certified by the signatures of the parties. The contract specifies the main conditions, as well as the rights and obligations of counterparties.

Answering the question about what is leasing,it is necessary to clarify the distinctive features. For example, this operation provides for three participants: an investor ready to provide cash, a lessor or a company from whom the necessary property is acquired, and directly the lessee, in other words, the borrower. The lease form of leasing combines several types of activities. The creditor, acquiring equipment, carries out investment activity. Then he transfers this inventory to the lessee for temporary use, that is, credit relations come into effect.

Unfortunately, so far many entrepreneurspoorly represent what is leasing, and how useful it is for the development of the company. Leasing helps to accelerate the sale of specialized products, which is clearly beneficial for the activities of lessors. And the investor implements a successful investment of temporarily free financial resources, since the return of funds is guaranteed, if not in money, then in material equivalence. The lessee, in the event of a deal, gets a unique opportunity to expand the scope of its activities right now without the need for a lump sum payment of a large sum.

There is a positive dynamics in the developmentthis industry, and therefore, the understanding of what is leasing, in the Russian markets, is growing steadily. This trend is due to favorable lending conditions and the possibility of applying the method of accelerated depreciation. In addition, when calculating rent payments, depreciation is made, which can not be done in standard credit relations. In addition, it will take much less time and effort to formalize a lease agreement than in the case of a bank loan.

As practice shows, this service can beuseful not only to individual companies and entrepreneurs, but also to individuals. For example, if you have a desire to buy a car, but you do not have the necessary amount, and consider a loan in the bank as a disadvantageous offer, it is worthwhile to learn in more detail what a car leasing is.