Банкеръ Weekly



The sales of new cars under leasing contracts are persistently going up. The advantages of buyers who have chosen that option for acquiring a new vehicle are well-known. They get the car against a part of its price (usually between 20% and 30%) and can pay the rest of the amount at equal installments over a set period. Most importers already offer this service, either independently or via a bank. The cost of the vehicle is 6-8% higher for natural persons when they pay 20% of the price initially and the entire amount is due within 12 months. Some firms ecourage the use of state-of-the-art technologies for protection against stealing. MotoPfohe, for instance, requires an initial payment of 20% of the vehicles's price if GPS has been installed, and 30% of the entire price if the car is purchased without such a device. The longest leasing term for natural persons is usually 48 months, in which case the price may rise by up to 25 per cent. Leasing schemes for the purchase of vehicles by juristic persons and sole traders are even more attractive. The initial payment is usually between 5% and 10% of the entire price, and sometimes it can be even zero. The price mark-up is the same as for natural persons, and the longest leasing term is again 48 months. The leasing term for cars offered by most importers is 36 months, but the required initial payment is up to 5% of the entire price, and the mark-up is 15 per cent. Leasing has a good future, experts are unanimous. When offering better terms, the people willing to buy a vehicle using that option for payment will certainly increase. Some firms even provide to their clients an opportunity to exchange the leased vehicle for a newer modification even before the payment term has elapsed.

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