1. The list of participants of a lease deal:
1.1. The lease company (The lessor) – The Limited Liability Company “Mikro Leasing”.
1.2. The client (The lessee) a private entrepreneur or a juridical person (a group of juridical persons), who have started to collaborate with the lease company or are intending to do it.
1.3. The third person – a physical person, a private entrepreneur or a juridical person who guaranties the timely entrance of financial means (insurance, up-front fees, security deposits, warranties).
2. General description of the product
2.1. Financial lease:
Acquisition of equipment;
Acquisition of real estate;
Acquisition of auto vehicles.
2.2. Conditions of financial lease
Lease currency |
Russian rubles, Euro (Belarusian rubles according to the exchange rates of the National Bank) |
Lease amount |
from 3 000 Euro (or equivalent in Russian rubles) |
Lease term |
Up to 18 months:
|
Rice of price coefficient |
The medium price rate coefficient in a year – from 9,36%, increases and decreases depending on the agreement conditions. |
Provision forms |
The amount of rates and prepayments are defined on the basis of property type that is leased and the financial state of the lessee on the condition that the minimum prepayment makes 1%, and the maximum one – 40%. |
Order of payments |
|
Deal provision |
|
Prescheduled repayment |
possible |
* Positive credit history is represented by the approved document information which testifies that:
- The lessee has used the assets during not less than 6 months (or the credit term duration was not less than 6 moths and was repaid in advance not less than after 3 months from the credit issue date;
- during the credit period not less than 3 repayments of the principal debt have taken place;
- delays (if existed) have taken place not more than 3 times in 180 days, with the duration of each that hasn’t exceeded 5 days.
3. Client (Lessee) requirements
3.1 The lessor defines the requirements to the client (lessee), business proprietors, properties in the quality of security deposit of finance rent and also other requirements :
3.1.1. Additional requirements are defined by the present clause.
3.1.1.1. Lessee requirements:
The potential level according to the proceeds – not less than 5% in 5 last months;
3.1.1.2.Requirements to the property as the lease deal provision:
The property shall be insured to the company’s benefit and shouldn’t make less than 100% of the total security deposit.
The minimum term of the mortgaged property makes the lease term. If the lease term exceeds 12 months with the further prolongation that shouldn’t be more than 6 months up to the end of lease agreement. The minimum term definition to which the prolongation should be made, is realized analogically.
3.1.1.3. Obligatory support of current account circulations of the lessee in the bank that are equal to the proceeds that enter the current accounts.
4. Norm of lease service provision
4.1. The decision about the lease service provision shall be taken within 3 working days from the moment of the client’s presentation of all the necessary documents.
4.2.The signing of the lease agreement takes one working day that follows the day when the decision was made.
