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.

Costurile

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.

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