Today, many Russian citizens are actively cooperating with Sberbank. Clients are given the opportunity to apply for any other program. Those people who are experiencing financial difficulties can take part in lending. The official website of the financial institution contains detailed information on loans for which flexible conditions are established. For example, individuals can apply for the lowest possible interest rates. Also, customers are given the opportunity to rent vehicles or real estate owned by the bank.

What is the Leasing at Sberbank program?

Leasing at Sberbank for individuals is a rental operation, under the terms of which the property of a financial institution is transferred for temporary use to the lessee. Bank clients who fully repay the debt become the owners of the leased property.

Leasing at Sberbank for individuals is issued on the following terms:

1. For each client, interest rates are set individually.
2. The lessee, after fulfilling all the conditions of the contract, receives the right of redemption.
3. Registration of the rental program takes place with a minimum package of documents.
4. Clients get the opportunity to take advantage of tax deductions (if a business entity participates in the program, it can reduce the tax burden on profits up to 20%).

How to arrange a lease in Sberbank?

Individuals who decide to take out a lease at Sberbank must fulfill the following conditions:

• the presence of Russian citizenship;
• registration and permanent residence in the locality where the office of the financial institution is located;
• Individuals who at the time of application are 23 years old (not older than 60 years old) can take part in the program;
• providing Sberbank with a package of documents (it should include a civil passport, driver's license, tax identification number, etc.).

To apply for this program, individuals must personally visit the office of Sberbank Leasing. On the spot, employees of the financial institution will check the documents and offer to sign the contract. For each client, an individual payment schedule will be drawn up, according to which it will be necessary to make a monthly payment. Individuals are given the opportunity to choose their own vehicle. Also, the client has the right to choose the period during which the leasing agreement will be valid.

Advice: if individuals cannot find time for a personal visit to the office of a financial institution, they can go through the procedure for registering a leasing transaction on its official website.

What documents are required to draw up a contract?

When leasing at Sberbank, an appropriate agreement is concluded between a financial institution and an individual. Potential lessees must provide the following documents:

1. Passport, which must contain marks of Russian citizenship and local registration. The client needs to make photocopies of all completed pages of this document.
2. Identification tax number (original and photocopy).
3. Copies of all completed pages of the work book (if an individual works under an employment contract, then he needs to provide a copy of this document).
4. A copy of the driver's license (without it, a leasing operation will not be executed, according to which a vehicle is transferred for temporary use).

Advice: the lease agreement can be concluded for no more than 3 years. When making an agreement, an individual independently determines the lease term.

How is the debt repaid?

Each client who has issued a lease at Sberbank is issued an individual payment schedule along with the contract. The client must monthly, within the established time limits, transfer cash to a financial institution. When drawing up an agreement, individual conditions for repaying debts may be stipulated.

What are the benefits of leasing at Sberbank?

By deciding to start cooperation with the financial institution Sberbank Leasing, an individual can receive the following benefits:

• there is no need to spend personal money on the purchase of a vehicle;
• you can get a car for temporary use as quickly as possible, the brand and modification of which the client chooses independently;
• the application is processed in record time;
• available to individuals and individual entrepreneurs;
• the lessee has a small financial burden, since the amount of monthly payments is much less than loan payments;
• if necessary, individuals can prolong their contracts and continue to operate road transport on the same terms;
• high speed and quality of service (an individual approach is carried out to each client);
• under the terms of the leasing program, individuals have the opportunity to repay the debt ahead of schedule (not earlier than 6 months after the signing of the contract).

Despite the fact that the leasing program has a lot of advantages, individuals should also be aware of its disadvantages. After the expiration of the contract, the client loses the right to operate the transport if he does not issue an extension. When making a leasing transaction, individuals must make an initial payment. If the lessee is planning a trip abroad on a rented vehicle, it must be coordinated with the financial institution without fail. In the event that the client allows the occurrence of a delay, the lessor will take his property back.

How to lease a used car?

Today, the financial institution Sberbank offers its customers to lease not only new cars and specialized equipment, but also used cars. The procedure for processing such a transaction has some features:

• individuals do not need to make an initial contribution;
• they can conclude a contract for the maximum possible period;
• under the terms of the program, customers can redeem the rented vehicles after paying off the debt.

Before applying for leasing at Sberbank, individuals should independently calculate the amount of the monthly payment. To do this, they are recommended to use a special service - an online calculator (it is located on the official website of the financial company Sberbank Leasing JSC). To make the necessary calculations, potential lessees need to enter the following data into the program: the amount of the leased object, currency, lease term, down payment and the current interest rate. The calculator will instantly calculate the amount of the minimum payment that will need to be made every month to the account of a financial institution.

Leasing is a common word, but only few people know its meaning. Leasing is a lease under which payments are made. Initially, the car or real estate belongs to the bank or some company - the lessor. When the lessee pays all his debt, the “purchased” item becomes his property.

The registration process can be represented as follows: an individual - the lessee - chooses a car or real estate according to his desire and taste. The leasing company or bank purchases the selected item and signs an agreement with the individual, which specifies the price of the item and the amount of the monthly payment. The company is the owner of the subject of the contract and assumes responsibility for maintenance and other expenses. As soon as the lessee has paid his debt, he becomes the owner.

Leasing is much faster. He is "approved" even by those applicants who were denied credit. But in Russia, despite the simplicity in registration and lower requirements for the borrower, leasing is not popular. True, in recent years the number of contracts for cars has increased.

Leasing or credit?

Leasing and credit have long been competing with each other. In principle, they are similar, but there are significant differences.

Positive aspects of leasing:

1. Since the owner of the car or real estate is the lessor, he has little interest in the credit history of the borrower, in contrast to the possibility of obtaining a loan. Leasing is a kind of long-term lease. In connection with this fact, the required package of documents is reduced to a minimum here. Sometimes only a passport and a second document are enough. Consideration of the application takes several hours, at most one day.
2. If the borrower wants to purchase a car on the basis of a leasing agreement, the company or bank provides him with a huge choice. Here you can consider options for both foreign production and inexpensive domestic cars. As for real estate, for example, the choice of an apartment, we can consider options for secondary and primary housing.

Disadvantages of leasing services:

1. This service is slightly more expensive than a loan. There are no hidden fees and no account maintenance fees. But at the same time, the leasing company or the lessor's bank bears all the expenses required for the maintenance of the subject of the contract. Such savings can cover the entire overpayment for the service.
2. Until the subject of the contract has passed into the ownership of the lessee, he does not have the right to carry out any manipulations regarding modifications.

Leasing for individuals is more relevant than ever

A similar service can be issued by individuals at Sberbank. The most frequent subject of the contract is the car. It can be chosen by the borrower himself, as well as submit to the bank all Required documents. These include a passport, driver's license and income statement. Here, bank employees do not closely consider the average earnings of the client, only the fact of availability is important to them. And Sberbank established such requirements only so that, under the terms of the lease of this lessor, the borrower would pay all the necessary expenses for vehicles himself.

An individual can draw up a contract only for the purchase of a car. The registration process does not take much time. Approval takes place within a few hours. The contract is drawn up up to 10 years, during which the borrower must make monthly payments. There is another advantage here. At any financially difficult moment, the borrower can write an application for a deferment. He does not have to bring additional certificates and documents confirming his insolvency at the moment.

The leasing agreement implies an initial payment in the amount of 10 to 30% of the cost of the purchased car. The increase in the cost of the car itself is from 5 to 8%.

To date, Sberbank has suspended the execution of leasing services for individuals. But it actively finances legal entities and individual entrepreneurs. For them, financing is provided for both cars, both trucks or special equipment, and real estate. A car can be rented on the basis of leasing under two programs: "Light" and "Standard". In the Light program, the advance payment is underestimated by up to 10%, but the increase in the cost of the car is overestimated. In the "Standard" program, the advance payment is 20%, but the rise in price is only about 6%.

As for real estate, Sberbank also offers two options. One option is based on 80% financing from the lessor's bank. And another option completely redeems the property and transfers it to a legal entity on a long-term lease. For legal entities, the leasing period is significantly limited - it does not exceed 37 months.

Sberbank Leasing is a universal leasing company that has been in existence for 25 years and cooperates with all client segments and all types of property. It provides long-term rental of equipment or real estate with the right to further purchase.

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Vehicle leasing

In 2019, both legal entities and individuals can use this service. As part of this car leasing program, you can purchase a passenger car (suitable for transporting up to 800 tons of cargo or transporting up to 8 people).

Under the leasing program (long-term lease), such cars of a foreign or domestic brand are available as:

• Audi;
• Ford;
• Volkswagen;
• Nissan;
• Land Rover;
• Mercedes-Benz;
• VAZ (Lada);

Also, the contract contains a clause on compulsory auto insurance (OSAGO, CASCO). The term of registration of the transaction takes from 8 hours to 2 business days.

• advance payment - from 10%;

When applying for a lease, the bank does not ask for the client's credit history, so fewer documents will be required.

Read more about leasing at Sberbank in the video from the afilm.tv channel.

Leasing of commercial vehicles

Leasing features:

• the service is available for organizations and for start-up individual entrepreneurs;
• it is possible to purchase commercial vehicles with a maximum weight of up to 5 tons, including microvans, pickups, etc.;
• the contract provides for a clause on compulsory insurance (OSAGO, CASCO);
• the transaction with the lessee will be concluded within 2 working days.

Leasing conditions:

• advance payment - from 15%;
• the amount of financing - up to 24 million rubles;
• contract term — from 12 to 37 months;
• funding currency - Russian rubles.

Truck leasing

Sberbank provides financial support to clients who want to purchase domestically or foreign-made freight vehicles with an option to purchase.

The machine must meet the following criteria:

• have a permitted maximum mass of more than 7 tons;
• have no more than 41t / 3;
• have no more than 50t/4;
• be a funded brand (DAF, KAMAZ, etc.).

Also, the contract contains a clause on compulsory insurance (OSAGO, CASCO). The term of registration of the transaction takes from 8 hours to 2 business days.

Sberbank Leasing JSC offers its customers beneficial programs on the following terms:

• advance payment - from 15% for foreign cars and from 20% for domestic cars and cars made in the CIS;
• the amount of financing - up to 24 million rubles;
• contract term — from 12 to 48 months;
• funding currency - Russian rubles.

Leasing of special equipment

In Russia, all Sberbank clients can use this service.

Within the framework of this program, it is possible to arrange leasing of special equipment of the following types:

• construction;
• road;
• agricultural;
• warehouse.

The contract also provides for compulsory insurance (OSAGO, CASCO). The term of registration of the transaction takes from 8 hours to 2 business days.

Sberbank Leasing JSC offers its customers beneficial programs on the following terms:

• advance payment - from 25 percent;
• the amount of financing - up to 24 million rubles;
• funding currency - Russian rubles.

Bus leasing

Peculiarities:

1. This service can be used by both legal entities and individuals.
2. Under this program, you can buy a car. It must be suitable for carrying up to 800 tons of cargo or transporting up to 8 people.
3. You can offer a vehicle of a foreign brand (Volkswagen, Audi, etc.) or a domestic one as a leasing vehicle.
4. The contract contains a clause on compulsory insurance (OSAGO, CASCO).
5. The term of registration of the transaction takes from 8 hours to 2 business days.

Sberbank Leasing JSC officially offers its customers beneficial programs on the following terms:

• advance payment - from 20%;
• the amount of financing - up to 24 million rubles;
• contract term - from 12 to 36 months;
• funding currency - Russian rubles.

Aircraft leasing

Sberbank provides financial support to companies wishing to purchase new or existing aircraft.

The program includes:

• domestic aircraft (SuperJet 100, AN-124);
• foreign aircraft (Boeing 737 Classic, Boeing 747-400);
• helicopter (MI-8).

Sberbank Leasing JSC provides customers with beneficial programs on the following terms:

• contract term - up to 12 years;
• financing currency — Russian rubles;
• the amount of the advance payment is set individually.

Rolling stock leasing

All clients of Sberbank can use this service. The fleet of rolling and traction stock, issued on lease, is 50,000 units.

Sberbank Leasing JSC can provide customers with beneficial programs on the following terms:

• advance payment - from 5%;
• the term of the contract is from 7 to 10 years;
• funding currency - Russian rubles.

Leasing of sea and river vessels

Sberbank Leasing JSC offers favorable conditions for the purchase of sea and river vessels from domestic and foreign shipbuilders.

Wherein:

• advance payment - from 10 to 20% (the interest rate is discussed at the conclusion of the contract);
• contract term - up to 10 years;
• funding currency - Russian rubles.

Equipment leasing

The company offers leasing services for the purchase of Russian and foreign-made equipment.

Sberbank Leasing JSC provides customers with favorable conditions:

• advance payment - from 30%;
• the amount of financing - from 30 million rubles;
• the term of the contract is set individually;
• funding currency - Russian rubles.

Real estate leasing

Domestic companies have the opportunity to lease real estate.

The company provides services under such leasing programs as:

1. Returnable. The bank buys real estate from a client who refinances the debt on this object and receives it on a long-term lease.
2. Financial. The Company finances up to 80% of the market value of the property and leases it to the Buyer.

The terms of the lease are:

• the contract can be issued for up to 10 years;
• the lessee must make an advance payment, the amount of which is from 10% of the market value of the object;
• the amount of financing - from 100 million rubles.

Programs for medium and large businesses

Sberbank Leasing JSC offers optimal conditions for the purchase of vehicles and business equipment.

Two programs have been developed for medium and large entrepreneurs:

1. "Standard". The purchase of special equipment in the amount of up to 300 million rubles is financed. The decision is made within 10 working days. With each legal entity, the interest rate is set individually. The term of the contract is up to 7 years.
2. "Project". This is a special option that involves the structuring of the transaction for individual clients. Financing is provided in the amount of up to 1.5 billion rubles with an individual interest rate.

The video describes the program "Project" in detail. The video was taken from the Sberbank Leasing channel.

Leasing for the largest business

Registration of a leasing agreement for this category of business is carried out under the "Project" program. Representatives of Sberbank consider applications from applicants whose activities are carried out as part of investment projects. They must qualify for a purchase worth up to 1.5 billion rubles.

The lessor undertakes:

• structure the transaction individually for the applicant;
• allocate a limit on leasing for a year;
• provide a personal approach to setting the interest rate.

Leasing in Sberbank for the largest businessmen can be calculated for the following objects:

• transport;
• aircraft;
• rolling stock;
• sea ​​and river vessels;
• equipment and special equipment;
• real estate;
• communications and telecommunications.

online calculator

Using the online calculator, you can calculate the cost of leasing. You just need to enter the parameters, and the program will automatically calculate the amount of the monthly payment.

The leasing calculator for vehicles of Sberbank Leasing is designed to familiarize you with the features of this offer, with the help of which you can easily make calculations for monthly payments.

Sberbank Leasing company is one of the oldest in the leasing services market, the year of its foundation is 1993. Over these almost 20 years, the company, the main shareholder of which is Sberbank, has taken a leading position.

The programs for vehicles here are quite diverse, they cover both cars and trucks. In addition, each client is offered a choice of two programs: Light and Standard, which differ in the number of documents collected and the terms of leasing.

The Light program allows you to minimize costs due to a reduced down payment, it can be as low as 10%. True, there is a rather high rate of appreciation here, it ranges from 6.94%. The Standard program, on the contrary, provides for an increased initial advance payment (from 20%), but the appreciation rate is lower - from 5.08%.

Leasing for cars

This direction allows you to draw up a leasing agreement for passenger vehicles, which must meet the following conditions:

• New cars;
• Located at any official dealer (the exact list can be found on the company's website);
• The number of seats should not exceed 8.

The amount of funding for both programs is the same and amounts to 12 million rubles. The currency in which the transaction is carried out is rubles. The term can be equal to 12, 24, 36 or 37 months. The transaction is executed from 3 working days, and the equipment can be delivered to the client within up to 90 days.

Leasing for trucks

Leasing for trucks is extended by Sberbank Leasing to a variety of vehicles:

• General purpose trucks;
• Truck tractors;
• Trailers and semi-trailers;
• Dump trucks.

Among the brands of equipment: Daewoo, DAF, Iveco, MAN, Mercedes-Benz, Renault, Ford, Hyundai, Isuzu, Scania, Volvo, GAZ, KamAZ, Ural. The mass of each leasing object must be more than 5 tons, but less than 50 tons.

The amount of the initial payment depends on the country of origin of the vehicle and on the selected program (Light or Standard). So, for registration of leasing for Russian-made trucks and CIS countries, it will be required in the Light program from 20%, in the Standard program from 30% of the cost. For a contract for foreign-made transport in the Light program from 15%, and in the Standard - from 25%. The minimum rate of appreciation in the Light program is 6.84%, and in the Standard - 4.97%.

Leasing both cars and trucks implies compulsory insurance of several types:

1. Car insurance under OSAGO;
2. Voluntary civil liability insurance (DGO) with a liability limit of 600 thousand rubles;
3. CASCO with a liability limit not less than the cost of the car.

Leasing program participants can be any legal entities or individual entrepreneurs. An important condition is that the period of activity of the IP must be at least 1 year.

Check out the table that shows the main terms of the leasing agreement:

To date, Sberbank Leasing Closed Joint-Stock Company is recognized by all ratings as one of the largest leasing companies operating in the territory Russian Federation as well as neighboring countries.

To date, Sberbank Leasing Closed Joint-Stock Company is recognized by all ratings as one of the largest leasing companies operating in the Russian Federation, as well as neighboring countries. Today, it is Sberbank's leasing projects that are involved in all areas of Russian industry. The main goal of the CJSC is to actively contribute to the modernization and development of the economy of our country, to help the growth of funds of key Russian enterprises. Today, the leasing subsidiary of Sberbank receives the highest level of support from the parent state bank.

Leasing calculator at Sberbank

Posted on our website leasing calculator Sberbank allows you to make the most accurate calculation of the cost of a specific leasing program chosen by an individual or corporate client of the bank. The calculator also allows the client to determine which leasing repayment scheme will be the most optimal for him. In order to use the calculator, you need to enter the following data in the fields:

• what type of leasing object you plan to use;
• what should be the term of your leasing program;
• the total cost of the leased object;
• interest on the leasing program set by the bank;
• the amount of the down payment;
• the size of the one-time commission;
• depreciation percentage;
• payment type (annuity/standard schemes).

Leasing of Sberbank for individuals

Sberbank offers individual customers a convenient leasing program for purchasing a car. Along with a car loan, leasing a car is notable for its simplicity and provides an individual with a number of advantages. In particular, leasing programs allow you to avoid high initial costs, save time on registering and registering a car. In order to lease a car, you need to select a car brand, a car dealership where you plan to take it, and also collect data on the car and the seller for the bank. The process of paperwork does not take much time. However, please note that you will be personally responsible for the car, despite the fact that officially it will belong to the bank.

Car leasing in Sberbank

For legal entities, Sberbank of Russia offers several car leasing programs:

• car leasing;
• leasing of trucks;
• leasing Vehicle commercial purpose;
• leasing of special equipment.

Sberbank's corporate clients can take advantage of car leasing under the Light and Standard programs. The first is characterized by the ability to minimize the initial costs of buying a car on lease. The second, in turn, provides customers with minimizing monthly payments under the contract.

Real estate leasing Sberbank

In the field of real estate leasing, Sberbank is the undisputed leader among banking structures offering similar services. The main products of Sberbank Leasing CJSC are:

• Financial leasing, in which credited redemption of various real estate objects is carried out. Under the terms of the program, the bank finances up to 80% of a particular real estate object, after which the object itself is leased to a legal entity.
• Returnable leasing involves the refinancing of expensive and short-term loans of the pawnshop and construction type. In other words, the bank acquires a real estate object, after which it transfers it to the client on a long-term lease.

The term of real estate leasing can be up to 10 years. In this case, the recipient of the lease must make only an advance payment, the amount of which, as a rule, is from 10% of the market value of the object. The volume of leasing financing by the bank is from 100 million rubles.