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Leasing

Is it profitable to buy a vehicle from leasing?

Buying a vehicle from leasing is increasingly popular form of car purchase. In particular, this applies to companies, which pay off the purchase of a car after the lease, in connection with and in accordance with the lease agreement, the vast majority of the value of the car is repaid. This is an excellent option in relation to buying a vehicle from own resources. Moreover, it is possible to keep the car at the end of the contract, but then it is necessary to transfer the ownership of the car and, consequently, it may be necessary to pay an additional fee, which concerns the financing party.

What is leasing?

Leasing is one of the simplest and cheapest forms of financing a given purchase, and in this case - using a car in a company. Under a civil law contract, one party transfers to the other the right to use the car for a period specified by both parties. In return, the lessee repays the vehicle to the lessor for agreed rental payments (in other words, leasing instalments).

Leasing to a large benefit for the user, because it involves little equity capital, optimizes the tax burden, and what is more - it can settle the VAT.

Purchase of a car from a lease after the end of the term of the agreement

Leasing, or rather its so-called traditional form, assumes that during the term of the contract concluded earlier, almost the entire value of the car is repaid. All thanks to the monthly installments in the amount agreed at the beginning of the contract. Leasing allows the company, after the expiry of the contract, to buy the object for a predetermined amount. This is usually between one and thirty percent of the value of a car, which means that this is a relatively small fee. Buying a car from leasing is an excellent opportunity, because the vehicle has been almost completely repaid and it is not worth giving it up.

Other forms of leasing

In addition to this form, there are, however, other leasing proposals. However, these offer a relatively high buy-back price, which is the real value of the vehicle at the end of the contract. However, this means that during the leasing period, the lessee only pays for the loss of value of the car, and thus - the instalments are much lower than in the case of traditional leasing. Then, however, it will be much more advantageous not to buy a car at the end of the lease agreement.

Transfer of ownership of a vehicle without redemption

However, it should be borne in mind that the lease agreement is regulated by a relevant act, while the Civil Code allows for an interesting option. It assumes that the lessor undertakes to transfer the ownership of the car to the lessee after the end of the contract, without the need to pay additional benefits or the payment of the purchase fee. However, in order for the entire investment to pay off, the lessor must ensure that all lease payments during the term of the contract fully cover the value of the vehicle. In practice, the instalments will be larger but, in any case, the beneficiary will repay the entire amount.

Nevertheless, you should not be discouraged immediately, as there is a possibility of negotiation if the lease instalments are too high.

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