Tu știi care este diferența între un contract de leasing financiar și unul de leasing operațional

Vrei să-ți cumperi o mașină și nu știi te decizi la modul în care să faci achiziția? Nu știi ce înseamnă leasing financiar sau leasing operațional? Cât de avantajoase sunt contractele de leasing auto? Ce obligații vei avea? La ce costuri să te aștepți? Sunt întrebări normale pentru orice persoană care dorește să-și cumpere o mașină. 

Care sunt diferențele între un contract de leasing financiar și un contract de leasing operațional

Principala diferență dintre un contract de leasing financiar și un contract de leasing operațional constă în dreptul de proprietate de la finalul acestuia. 

Dacă vrei să rămâi cu mașina, va trebui să alegi varianta acordului financiar. În cazul în care preferi să îți iei un model mai nou, ar fi indicat să optezi pentru leasingul operațional. Există, însă, și companii de leasing operațional care îți vor permite să intri în posesia mașinii, dar, pentru a avea această opțiune, va fi necesar să achiți o sumă suplimentară, pe care o poți negocia.


O altă diferență între cele două tipuri de contracte de leasing este reprezentată de costuri:

Leasing financiar

Este nevoie să dispui de un avans, ce poate varia între 20% și 50%. Rata va avea dobândă variabilă, ce va fluctua în funcție de dobânzile de referință ale pieței sau de deprecierea ratei dobânzii. La finalul perioadei de leasing, va trebui să plătești valoarea reziduală, ce reprezintă un procent din valoarea totală a mașinii, ce nu poate depăși 20% din valoarea acesteia.

Leasing operațional

Nu presupune niciun avans, iar rata lunară (chiria) pentru mașină va fi fixă. Valoarea ratei se calculează în funcție de criterii bine stabilite, precum numărul anual de kilometri, costurile cu reviziile și asigurările, la care se adaugă uzura și dobânda companiei de leasing.

Trebuie să știi că și în cazul achiziționării de masini second hand lesingul este valabil, în ambele variante. 

Condiții leasing auto persoane fizice

Atât firmele, cât și persoanele fizice pot încheia contracte de leasing auto. În ambele cazuri, condițiile, tipurile de contracte, obligațiile și costurile sunt asemănătoare. 

În comparație cu creditele bancare, leasingul auto are ca avantaje plățile lunare mai mici, o mai mare libertate de a-ți schimba mașina cu una mai nouă la intervale regulate de timp și accesul facil la serviciile de mentenanță periodice.

97 thoughts on “Tu știi care este diferența între un contract de leasing financiar și unul de leasing operațional

  1. http://www.spotnewstrend.com is a trusted latest USA News and global news provider. Spotnewstrend.com website provides latest insights to new trends and worldwide events. So keep visiting our website for USA News, World News, Financial News, Business News, Entertainment News, Celebrity News, Sport News, NBA News, NFL News, Health News, Nature News, Technology News, Travel News.

  2. I?ve been exploring for a little bit for any high quality articles or blog posts on this sort of area . Exploring in Yahoo I at last stumbled upon this web site. Reading this info So i?m happy to convey that I have an incredibly good uncanny feeling I discovered just what I needed. I most certainly will make certain to don?t forget this site and give it a look on a constant basis.

  3. I have noticed that over the course of building a relationship with real estate owners, you’ll be able to come to understand that, in most real estate exchange, a fee is paid. In the end, FSBO sellers never „save” the commission. Rather, they struggle to win the commission by means of doing the agent’s occupation. In completing this task, they devote their money in addition to time to carry out, as best they might, the jobs of an representative. Those assignments include getting known the home by means of marketing, presenting the home to prospective buyers, constructing a sense of buyer desperation in order to induce an offer, arranging home inspections, handling qualification check ups with the loan provider, supervising maintenance, and assisting the closing of the deal.

  4. Excellent beat ! I wish to apprentice while you amend your web site, how can i subscribe for a blog site? The account helped me a acceptable deal. I had been tiny bit acquainted of this your broadcast provided bright clear concept

  5. An fascinating discussion is price comment. I think that you should write extra on this subject, it might not be a taboo topic however usually people are not sufficient to speak on such topics. To the next. Cheers

  6. A few things i have seen in terms of personal computer memory is the fact that there are technical specs such as SDRAM, DDR and many others, that must match the specs of the mother board. If the computer’s motherboard is pretty current and there are no os issues, replacing the memory space literally requires under sixty minutes. It’s one of many easiest computer system upgrade techniques one can consider. Thanks for sharing your ideas.

  7. A further issue is really that video gaming has become one of the all-time most important forms of recreation for people of all ages. Kids have fun with video games, plus adults do, too. The actual XBox 360 is one of the favorite gaming systems for many who love to have hundreds of activities available to them, along with who like to play live with other folks all over the world. Thanks for sharing your ideas.

  8. bookdecorfactory.com is a Global Trusted Online Fake Books Decor Store. We sell high quality budget price fake books decoration, Faux Books Decor. We offer FREE shipping across US, UK, AUS, NZ, Russia, Europe, Asia and deliver 100+ countries. Our delivery takes around 12 to 20 Days. We started our online business journey in Sydney, Australia and have been selling all sorts of home decor and art styles since 2008.

  9. Thanks for the recommendations you have shared here. Yet another thing I would like to express is that laptop or computer memory demands generally rise along with other innovations in the know-how. For instance, if new generations of processor chips are introduced to the market, there is certainly usually a related increase in the size and style preferences of both personal computer memory along with hard drive room. This is because the software operated by way of these cpus will inevitably boost in power to use the new know-how.

  10. Hey there! I know this is somewhat off topic but I was wondering if you knew where I could locate a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having problems finding one? Thanks a lot!

  11. Good blog post. Some tips i would like to contribute is that laptop or computer memory should be purchased but if your computer can’t cope with what you do by using it. One can install two random access memory boards of 1GB each, for example, but not one of 1GB and one of 2GB. One should always check the car maker’s documentation for the PC to be sure what type of memory is needed.

  12. This article is a breath of fresh air! The author’s unique perspective and thoughtful analysis have made this a truly fascinating read. I’m appreciative for the effort she has put into creating such an enlightening and thought-provoking piece. Thank you, author, for sharing your knowledge and igniting meaningful discussions through your outstanding writing!

  13. Thanks for the tips on credit repair on your web-site. The things i would tell people will be to give up this mentality that they buy right now and fork out later. Being a society most people tend to repeat this for many factors. This includes family vacations, furniture, and items we would like. However, it is advisable to separate your own wants from the needs. When you are working to raise your credit score make some trade-offs. For example it is possible to shop online to save cash or you can go to second hand merchants instead of highly-priced department stores with regard to clothing.

  14. In this great scheme of things you’ll get a B+ with regard to effort. Where you actually misplaced me was first in your details. You know, it is said, details make or break the argument.. And that could not be much more true at this point. Having said that, allow me say to you what exactly did give good results. Your article (parts of it) can be very powerful and this is possibly why I am making the effort to comment. I do not really make it a regular habit of doing that. Next, while I can certainly see a jumps in logic you make, I am definitely not confident of exactly how you appear to unite the ideas which help to make the final result. For the moment I shall subscribe to your issue however wish in the foreseeable future you actually link your dots better.

Lasă un răspuns

Adresa ta de email nu va fi publicată. Câmpurile obligatorii sunt marcate cu *