Not all car enthusiasts understand what leasing is. In fact, this is a rather narrow service that is not provided to individuals. Leasing is a kind of installment loan for a car for legal organizations.

This service has gained considerable popularity here in Russia, as it allows companies to purchase new high-quality models in installments on reasonable terms. And it is much more interesting for companies to pay large sums in installments, while already having a car in operation.

However, the economic conditions in the country are such that neither physical nor entity cannot be sure that he will be able to make timely monthly payments for several years while the leasing agreement is in force. In some cases, companies find themselves on the verge of bankruptcy, unable to fulfill their loan obligations. Therefore, such a service as ransom leasing cars mobile phones can become the lifeline that a legal entity so needs.

Indeed, among our clients there are many individuals and legal entities - we simply do not make a difference between them when providing our services. When faced with a difficult situation, the first thing organizations think about is how to minimize their costs. First of all, this concerns existing loans and encumbrances. Therefore, a decision is made to sell the leased car, thereby covering the bank debt and receiving some amount for other expenses.

Professional redemption of leasing cars is provided by a small number of automobile companies in Moscow. As a rule, cooperation with legal entities requires special permitting documents and great experience. We have all the necessary packages of licenses and certificates, so we are ready to help in situations of any complexity. And many years of practical activity helps us quickly carry out all stages of work.

Buying a car after leasing

An equally popular procedure is the purchase of a car after leasing from an organization. It’s worth clarifying right away that we are ready to cooperate at any time during leasing lending: both at the very beginning and at the end, as well as after the completion of the leasing agreement.

A competent specialist of our company in mandatory will conduct the necessary consultations so that the client ( authorised representative legal entity) did not experience any difficulties during negotiations and at the time of the transaction. We guarantee each client complete legal support: an experienced lawyer will explain all the intricacies of the work and, if necessary, resolve all problems related to the law.

That is, our purchase of a car after leasing will be based on the honesty and transparency of the car assessment, the client’s wishes and the official conclusion of the purchase and sale agreement.

Buying a car from a leasing company

Our company’s lawyers know well how confusing and complex contractual relations between a legal entity and a car company can be. In particular, leasing sometimes provides official dealer, and in some cases a banking institution. Therefore, many aspects of our cooperation will be based on who exactly is providing the loan.

Buying a car from a leasing company, for example, is considered a simpler and faster transaction than from a bank. As a rule, dealers are interested in fast receipt profits, and therefore are more willing to resell the lease to a new client. All Required documents and the power of attorney is drawn up by a lawyer from our company, however, the client will still be required to be personally present at the dealer’s office to sign important papers.

In fact, the transaction time is calculated individually: much depends on the complexity of the existing contractual relationships and the amount required to pay the debt. However, we can guarantee each client that buying a car from a leasing company will not take much time: usually all stages of the procedure are agreed upon and completed within one to two days.

To become a client of the company and quickly solve all problems related to the sale of cars on lease, you need to contact the managers of our organization. You can either leave a request through the online form on the website or by email, or immediately dial the office number and talk to a specialist. Each client is offered optimal terms of cooperation and the fastest possible time for signing a contract.

Buying out leased cars is considered a popular procedure in Moscow and the immediate Moscow region, as it allows legal entities to quickly get rid of existing encumbrances. We always do our best to accommodate our clients and, in case of emergency, are even ready to provide our services outside of business hours.

We offer our clients the purchase of leased cars in Moscow. Order service free estimate of your vehicle can be found on the Triumph Auto website. We buy leased cars of any brand quickly and at an affordable price.

Why does it become necessary to sell a leased car?

• The machine is no longer in use.
• It is not possible to pay off payments under a leasing agreement.
• Money is needed for urgent needs.

What are the specifics of selling a car purchased under leasing? The buyback deal is more profitable the more payments you have made for your car. That is, it makes sense to contact us only if you have paid most of the cost of the vehicle. Another peculiarity of the procedure is that it may take a little longer than a regular ransom.

What are the stages of preparing a lawyer for purchasing a leased car?

1. Studying the conditions for early repayment of the leasing agreement (whether it involves a commission or a time delay between writing an application for closure and the actual closure of the agreement).
2. Familiarization with the conditions for issuing a car passport (how quickly you can receive the document).

This preparation is very important for the competent execution of the transaction between the car owner and us.

Expensive purchase of leased cars in Moscow

The purchase of leased cars is an important activity of the Triumph Auto company. Our experts will quickly evaluate and buy your used vehicle in any condition. We will buy a leased car at a high price.

A leased car is on the balance sheet of the company that sold the car, so the procedure for buying it back is very different from selling a regular car.

What is the principle of buying out a leased car?

1. Your debt is paid off.
2. The encumbrance is removed from the car.
3. There is a change of ownership.

We are ready to take into account the requirements of any organization and buy your car on the terms offered by the leasing company. Even in such a difficult situation as buying out a leased car, we promise you the maximum possible benefit.

Order the service of fast and expensive purchase of a leased car on the website of the Triumph Auto company.

Reading time: 5 minutes

The dream of becoming a car owner today can be realized in a matter of days: there is no need to save money for a long time and deny yourself everything in order to move around in your own vehicle. There are several ways to implement your plans: you can take out a loan, or you can use a leasing scheme, which allows you to complete long-awaited purchase in several stages. But here another question arises - selling a car after leasing. It is useful to know in advance whether such an operation is possible.

Sales options

In Russian automotive market Such a concept as “leasing” appeared relatively recently. Transfer from in English This term sounds like “rent”. But from a legal point of view, it does not just mean the use auto vehicle for a certain fee, but also its further redemption at the residual price.

You can purchase any type of transport under these conditions - passenger cars, trucks, new, used. The role of collateral in this agreement is performed by the object of purchase. And if the lessee does not fulfill his obligations, then the car is confiscated from him. Actually, the owner of the designated collateral until the moment of redemption is the lessor.

The similarity of this type of relationship with a lease lies precisely in the fact that until the final amount is paid, the car is someone else’s property, and the user is obliged to take care of it, take out insurance, change tires, and undergo maintenance. But the difference with a loan is that in a credit relationship the car immediately becomes the property of the buyer, in the case of leasing - only after all the calculations. But before signing a leasing agreement, you need to be well versed in the peculiarities of such relationships.

The question of how to sell a car after leasing would be quite logical. to an individual? And here are the options:

• an outsider can become the owner of a used car;
• can buy a car herself leasing company.

Moreover, this transaction can bring benefits to both parties: the seller receives his money, and the buyer receives the vehicle in proper condition and at a very attractive price. You can be absolutely sure that the vehicle will really be in good condition, since according to the contract, it should have been serviced only in specialized service centers.

But selling a car purchased on lease is only possible if several conditions are met:

• it is necessary that 50% of the cost of the car has already been paid to the lessor;
• the contract should not contain special conditions that would make the sale of the vehicle impossible.

Each company that buys leased cars offers its own terms of cooperation. And therefore say with full confidence How much it will be possible to sell a car that was under long-term lease for is quite problematic. This indicator will depend on many factors:

• leasing payment already made;
• percentage established in the contract.

The sale of a car after leasing to an individual at the redemption price is essentially the same as the early purchase of a vehicle. In this case, the residual value is paid not by the lessee, but by the person to whom he resells the rights to this car.

But it is important to consider here that redemption value transport can have two options:

• it may be a fixed amount specified in the contract. Usually this figure is conditional, for example, 1 thousand rubles.
• may be included in monthly lease payments.

In any case, it is important to carefully read the contract to avoid ambiguous situations.

How does the purchase happen?

Buying a car out of leasing is possible in three ways:

• through borrowed money in the bank;
• again on lease after signing a new contract;
• into ownership – upon payment of the residual price of the car.

The buyer can be either a legal entity or an individual. The most profitable option is sufficient quantity cash and rapid repurchase of the leased car from its previous owner.

You can buy a car after leasing by favorable price, since the leasing company has already received part of the funds for it or even full price. Do not forget that, according to the terms of the agreement, the previous owner can either buy the car he is using or return it back upon expiration of the agreement. It is for this reason that the leasing company will have as its goal to get rid of used vehicles as quickly as possible, offering discounts or flexible contract terms to the new buyer.

The process of purchasing a car by long term rental And further ransom takes place in several stages:

1. A person who intends to become a car owner chooses a car and contacts a company that provides services of this type. Most often, such structures are subsidiaries of various banks, which in this way sell the confiscated or pledged property of unscrupulous payers. Or it may be that the leasing company cooperates directly with the car dealership.
2. Having collected the necessary package of documents, future car owner contacts the company of his choice and enters into a long-term lease agreement.

If you plan to purchase a car from an individual who, so to speak, resells the rights to the leased vehicle, then you should carefully study the leasing agreement and request receipts of previous payments under it.

Do not forget that buying a car after leasing may have problems of the following order:

• financial terms of the contract. Carefully study under what circumstances the company has the right to terminate the contract and confiscate the vehicle from the buyer, thereby appropriating the amounts already received. You should always first inquire about the reputation of the company with which you intend to enter into an agreement;
• Some difficulties may arise if the car is not properly cared for. Failure to comply with conditions Maintenance can also serve as a reason for breaking off relationships;
• very often cars seized by the enforcement service are leased. Therefore, if the company’s property is subject to seizure, the car may simply be confiscated. In this case, there can be no question of returning any funds.

Registration of the contract

The procedure for completing a transaction for a car after leasing will depend on how it is purchased. If former owner has already settled with the company and has become the rightful owner, then the purchase and sale agreement will have to be signed in the usual manner. If the buyer is contacting a leasing service for the first time, then first the company will have to check your documents and make sure that nothing prevents the signing of the contract.

Particular attention should be paid to the contract. It must certainly address the following questions:

• terms of a transaction;
• amount of payment;
• procedure for making payments;
• list additional services– insurance, maintenance and others;
• procedure for transfer of ownership;
• the time frame within which the lessee will be able to take possession of the vehicle.

If the purchase of a car is carried out directly from a car dealership, then the leasing company purchases the car chosen by him, partly at his own expense, and partly at the buyer’s expense. After this, she registers ownership of this vehicle and then only leases it to the buyer.

During the entire rental period, the lessor checks technical condition and the condition of your property. The frequency of these checks will depend on the discipline of the lessee and the payment schedule. This usually happens once a year, more often if necessary.

After the contract has expired and all payments have been made, the lessee takes ownership of the vehicle and can now dispose of it at his own discretion.

The procedure for purchasing a used car is identical.

Do not forget that you should pay maximum attention to payments under the contract. Confiscation of the object of the contract usually occurs in short time and without the involvement of bailiffs. If force majeure occurs, it is better to notify your lessor in advance.

Advantages and disadvantages of leasing: Video

Order the purchase of leased cars from the company REDEE MAUTO on the best terms for you. When purchasing a leased car in Moscow and Moscow Region, we will save you from difficult communication with a financial institution and offer great price– up to 95% of market value.

Our company has been providing services for the purchase of leased cars for more than 8 years. We cooperate with organizations and individuals. We guarantee transparency of the transaction. We pay the money in full immediately after signing the contract. Considering the complexity of resolving issues with the credit institution that lent the car, the buyout will last no more than a day.

By contacting REDEE MAUTO, you will get the following:

• highest sales amount;
• operational implementation;
• a legally clear transaction;
• no risks or hassles;
• free services;
• European level of service.

Purchase of leased cars in Moscow

Purchase of leased cars in Moscow from the company REDEE MAUTO can be ordered in every administrative district. When you buy a car out of lease, we will resolve issues with the credit institution and immediately pay you what we promised, up to 95% of the market value.

If you have a sudden need to sell a leased car, and there is enough left until the end of the lease agreement long term, we will still buy the car on terms acceptable to you. Buying such a car is an absolutely legal procedure. This process consists of several points: debt repayment, removal of restrictions, actual redemption and change of owner of the car.

Compliance legal purity a leasing car purchase transaction includes the following points:

• careful study by our lawyers of the conditions for early repayment of debt (some banks stipulate preliminary preparation statements or take for early repayment Commission);
• studying conditions issuance of PTS(they vary from company to company: after repaying the debt, some financial institutions immediately issue it, others delay the issue for several days).

The company purchased the car under a leasing agreement. The car is on the balance sheet of the lessor. Redemption of a car to the founder, as an individual. Features of taxation.

Question: The company purchased the car under a leasing agreement. The car is on the balance sheet of the lessor. Can we buy a car for an individual (founder)? What are the tax implications for VAT and expenses on this car that we may have? The leasing agreement ends, and then the owner, the founder, wants to buy it. He wants to buy this car himself as an individual with the aim of further selling it to an organization in order to pay off his loan debt. We need to decide how we can do this without consequences.

Answer: If an organization has entered into a leasing agreement with purchase, then the organization must purchase the property. It is not possible to redeem for an individual under such an agreement.

If the leasing agreement is without a buyout, then an individual can enter into a purchase and sale agreement with the lessor.

In addition, if the agreement has the right of redemption, then the organization, as a lessee, with the consent of the lessor, has the right to assign the rights and obligations under such an agreement to another lessee, incl. an individual. Leasing agreement ( finance lease) is a separate type of lease agreement (). The tenant has the right, with the consent of the lessor, to transfer his rights and obligations under the lease agreement to another person, that is, to transfer the property for lease (Clause 2 of Article 615 of the Civil Code of the Russian Federation). When rehiring, the tenant is replaced in the obligations arising from the lease agreement. Therefore, rehire must be carried out in compliance with the requirements for the assignment of the right of claim and transfer of debt (subclause, article 391, clause 1 of article 389 of the Civil Code of the Russian Federation, letter of the Ministry of Finance of Russia dated July 14, 2009 No. 03-03-06/1/463 ).

However, if, for example, the redemption price is unrealistic (for example, as often happens, 1000 rubles) and there is a goal to buy an individual for such minimal funds, and then sell at the market value of the organization, then it must be taken into account that the courts support the position of special economic and legal the essence of payment to reimburse the purchase price and consider it separately from leasing payments for the use of property. At the same time, the courts associate the decision on determining the actual value of the redemption value with the degree of wear and tear of the leased asset. This conclusion was made in the resolutions of the Presidium of the Supreme Arbitration Court of the Russian Federation dated July 12, 2011 No. 17389/10 and dated May 18, 2010 No. 1729/10.

At the same time, tax authorities using this scheme can draw conclusions that the property was initially acquired into the ownership of an individual, which is fraught with tax consequences for both parties: for the organization, in that expenses in the form of leasing payments will be excluded from the tax base, and input VAT will be deducted ( that is, for profit and VAT, an understatement of the tax base and the corresponding consequences); For an individual, this threatens that real cost property (including leasing payments) will be included in personal income tax.

Rationale

How to agree on the purchase of leased property in a contract

A leasing agreement, which provides for the repurchase of property, should be considered as a mixed agreement containing elements of a leasing agreement and a purchase and sale agreement (clause 3 of Article 421 of the Civil Code of the Russian Federation).1

In the part of the agreement regulating the use of property, the parties are guided by the rules on the leasing agreement. According to paragraph 1 of Article 28 and paragraph 5 of Article 15 of the Law of October 29, 1998 No. 164-FZ, the lessee is obliged to promptly pay fees for the use of property (leasing payments). That is, payments paid during use represent precisely payment for the use of property.

In the part of the agreement providing for the transfer of ownership of property to the lessee, the rules applied to contracts for the sale and purchase of property apply (clause 2 of the information letter of the Presidium of the Supreme Arbitration Court of the Russian Federation dated January 11, 2002 No. 66). Therefore, if the agreement provides for the right to buy out the leased property, the agreement must specify the amount and procedure for paying the redemption price (clause 1 of Article 424 of the Civil Code of the Russian Federation, clause 1 of Article 28 of the Law of October 29, 1998 No. 164-FZ).

The courts support the position on the special economic and legal essence of payment to reimburse the purchase price and consider it separately from leasing payments for the use of property. At the same time, the courts associate the decision on determining the actual value of the redemption value with the degree of wear and tear of the leased asset. This conclusion was made in the resolutions of the Presidium of the Supreme Arbitration Court of the Russian Federation dated July 12, 2011 No. 17389/10 and dated May 18, 2010 No. 1729/10.

Attention: if the transfer of ownership of the leased asset is agreed upon, and the redemption value is not separately allocated, this may lead to an attempt by inspectors to recognize the agreement as sham.

If the condition for the repurchase of the leased property is not specified in the agreement, then it can be fixed in an additional agreement. In this case, the lessor and the lessee have the right to agree to offset previously paid leasing payments against the redemption price. This follows from the Law of October 29, 1998 No. 164-FZ and articles of the Civil Code of the Russian Federation.

How to reflect in the lessee's accounting the transfer of obligations under the agreement to another lessee. The leased asset is on the balance sheet of the lessee. There is no debt to the lessor for lease payments

The transfer of rights under a leasing agreement is reflected in accounting in the same manner as the transfer of debt, but taking into account the specifics of the leasing agreement.

A leasing agreement (financial lease) is a separate type of lease agreement (). The tenant has the right, with the consent of the lessor, to transfer his rights and obligations under the lease agreement to another person, that is, to transfer the property for lease (Clause 2 of Article 615 of the Civil Code of the Russian Federation). When rehiring, the tenant is replaced in the obligations arising from the lease agreement. Therefore, rehire must be carried out in compliance with the requirements for the assignment of the right of claim and transfer of debt (subclause