Definition:
Leasing is a financing formula through which and by a contract called for lease, the lessee enjoys a movable or property, and therefore enjoys its exploitation in the form of rent, can exercise a call option on those goods, at the end of the contract and the amount is usually identical to a fee. In return, the tenant agrees to pay a fixed recurring fees normally (same amount), and including part of the cost of the goods in cash, plus interest for funding.
Leasing can be considered as operating leases , if once the period of the lease, the lessee chooses to exercise the purchase option, but seeks a new asset on which you sign a new lease.
contrast, leasing can be considered as a financial leasing , if at the end of the contract, the lessee exercises the purchase option, and therefore has since that time, the full legal title to the property .
Features:
funding is a medium to long term. The most common time to sign a lease transaction are generally between 18 and 48 months.
Leasing is a financing more accessible to small and medium businesses that conventional bank credit, as the lessor reserves the right of control over them (the ownership of the asset).
Leasing practice usually financed all or a very high price of the goods.
Who does it:
leasing operations can only be made by:
- Banking.
- Savings.
- Specialised credit.
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