Evseev and in reso leasing. What is leasing? Package of documents for leasing registration

Reliable company - 15 years on the market with high equity capital

Providing a package of documents after receiving approval of the transaction

Financing of companies with a period of operation of 1 month.

Full or partial closure for any term of the leasing agreement

Preferential insurance rates RESO Guarantee

No transaction fees

Preferences for partners: lower rates, lower advance

High variability of schedules (possibility of increasing the first 3 payments, seasonal schedules, selection of individual conditions, redemption payment up to 30%)

We finance without providing financial statements with an advance of 30%

Buying a car for a sole proprietor or legal entity

Advantages for the RESO-Leasing client

For more information you can

RESO-leasing. Modern mafia structure. Don Evseev. part 2

Two years later, after the “successful” purchase of my first leased car and the development of my company to the level of a medium-sized business, I was recklessly forced to turn to RESO-Leasing again. Required a large number of dump trucks, contracts signed, deadlines agreed upon. Approval received with a bang! At the end of December 2018, my employees happily received five KAMAZ dump trucks from the showroom, registered them with the company in MOTOTRER, handed over the title and spare keys to RESO, and parked the vehicles. It would seem that everything has already worked out in the New Year, after the holidays we are planning to go to the site.....
…..It wasn’t like that, after the New Year holidays, on January 25, 2019, wonderful guys from the RESO-Leasing security service, accompanied by no less wonderful employees of our native police from the local department, arrived at the parking lot. The meaning of the claims they expressed was that a certain collection company had dug up information on the Internet about the sale of one of our dump trucks and they had come to stop this malicious crime. The respected police, having seen the documents for cars and powers of attorney from the company in the hands of my regular employees, hastily left, leaving the resolution of the issue to the discretion of the RESO-Leasing guards.
These wise guys, declaring that they had direct orders from Don, confiscated the dump trucks, forcibly took the keys from the watchman and drove them away in an unknown direction.
Of course, what followed was a series of calls to the RESO-Leasing manager with the question being redirected directly to Don, and from him, who did not even deign to verbally explain the reason for such arbitrariness to the deputy head of the RESO-Leasing special forces. By the way, the deputy of the combat group dryly explained that you yourself know everything, and turned off the call.
In response to my official request to RESO about the reasons for such a funny situation and the possibility of resolving it, they received an official document about the severance of the contractual relationship between RESO-Leasing and my company, the reason for which was the failure to pay timely lease payments according to the schedule.
The interim result of this story, the dump trucks are with RESO-Leasing, I pay monthly payments according to schedule, Don does not make contact...... well, of course, I am not sitting still either, we have first-class lawyers working for us and the outcome, in general, is close and clear . Something else is not clear... is this the machinations of competitors? Frauds within the RESO-Leasing company?... or is there just ordinary human revenge behind Don’s actions? In any case, such actions and attitude towards their clients do not add either rating or trust to the RESO-Leasing company.

P.S. And they say that a shell does not fall into the same crater twice. Probably still a mistaken opinion.

Leasing is a long-term rental of vehicles, aircraft and water vessels, as well as equipment.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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According to the agreement, one party, called the lessor, purchases a vehicle or equipment from the seller specified by the lessee, then renting it out for a certain fee and for a certain period of time, in some cases with the option of purchase.

About company

RESO-Leasing is organized in the form of an LLC and is part of the RESO group, a holding company that provides services in the field of insurance, leasing and pension savings management.

The company's mission is:

1. Constant movement forward.

RESO tries to provide only in-demand services, constantly introduce new technologies and meet the increasing demands of clients.

1. Efficiency.

Activities are aimed at developing the company and establishing relationships with partners.

1. Professionalism.

The basis of RESO's business is a staff of purposeful, responsible and highly professional employees.

The company's main clients are:

• small business;
• medium business.

Among the priority areas of activity are:

• leasing of cars and trucks;
• leasing of special road construction equipment.

RESO-Leasing operates in 33 constituent entities of the Russian Federation. You can find office addresses and work schedules on the company's website resoleasing com.

Rules

The leasing rules are simple and are specified in Federal Law No. 164 of October 29, 1998 “On Financial…” (hereinafter referred to as Federal Law No. 164).

In accordance with Art. 4 Federal Law No. 164, the subjects of the transaction can be both individuals and legal entities (both residents and non-residents of the Russian Federation).

Judging by Art. 7 Federal Law No. 164, leasing can be domestic or international. In the 1st case, the parties to the transaction are residents of the Russian Federation, in the 2nd case – not.

The contract may include additional services or work. Their list is determined by agreement of the parties.

Subleasing is also possible - when the lessee transfers the vehicle for temporary use to another person, having previously sought consent from the lessor (Article 8 of Federal Law No. 164).

What cars are offered?

Based on Part 1 of Art. 3 Federal Law No. 164, the subject of the contract can be things of any kind - enterprises, property complexes, buildings, equipment and vehicles.

RESO-Leasing offers to rent:

• passenger cars;
• cargo;
• special purpose equipment.

The official website contains a convenient catalog differentiated by car brand. The applicant can click on the corresponding logo to immediately obtain preliminary information online regarding a specific model about:

• car cost;
• the amount of the advance (initial) payment;
• the maximum possible leasing period;
• the amount of the monthly payment.

If you have any questions, you can call the hotline 8 (800) 250 – 10 – 25.

Conditions

Leasing conditions in RESO depend on the type of product:

RESO also provides special conditions for leasing UAZ vehicles. The program includes Patriot, Hunter and Pickup of the updated model range. More detailed information and calculations are available at RESO sales offices.

Registration procedure

The transaction is completed in 4 stages.

Stage No. 1. Submit an application on the official website, through your personal account, at the sales office or by calling the hotline.

Stage No. 2. Clarify the parameters of the transaction when talking with a company specialist.

At this stage, the applicant and the expert discuss the details of the leasing. After agreeing on all essential conditions, the specialist sends a preliminary commercial proposal with a leasing payment schedule.

Stage No. 3. Providing a package of required documents (list below).

After submitting the entire set of documentation to the office, review is carried out. The time frame for rendering a verdict varies from several hours to 3 business days, depending on the object and the complexity of the transaction.

Stage No. 4. Make a deal.

After making a positive decision:

• RESO is preparing a draft agreement;
• the client makes an advance payment;
• the car seller receives payment of the purchase price;
• property is insured and transferred for temporary use to the lessee.

What documents are needed

The list of required documents varies depending on the applicant’s status - legal entity or individual entrepreneur.

For organizations, the documentation package is as follows:

• copy of the Charter;
• a copy of the order on the appointment of the general director;
• a copy of the passport of the manager (first page and registration) and all founders whose share in the authorized capital is 15% or more;
• a copy for the last reporting period;
• for the last 4 reporting periods;
• certificate from a credit institution about the turnover on the account for Last year(with monthly breakdown of amounts);
• minutes of the meeting of founders on the approval of the transaction.

Entrepreneurs provide:

• a copy of all pages of the individual entrepreneur’s passport;
• copies of declarations with a tax mark;
• a certificate from the bank about the account turnover for the last year.

RESO-Leasing reserves the right to request other documents necessary to make a decision.

How to calculate the cost

The monthly payment is calculated on the RESO-Leasing website.

The user needs to specify the calculation parameters:

• type of vehicle (car, truck, special equipment);
• the cost of the vehicle ranges from 250,000 to 6,000,000 rubles;
• contract term from 1 year to 4 years;
• advance payment amount (from 0 to 50%);
• payment scheme – equal or decreasing.

After entering all the necessary parameters, the calculator will present the calculation:

• total transaction amount;
• the amount of monthly payments (if declining ones are selected, the monthly breakdown should be viewed in the chart).

Advantages and disadvantages

The advantages are:

1. Flexible debt repayment system.

The leasing term is usually from 1 to 3 years, which approximately corresponds to the payback period of technological equipment. Also, leasing is characterized by greater flexibility in terms of drawing up a debt repayment schedule.

1. No requirements for additional collateral.

The leased item is the only security. RESO may require collateral of other assets only if the liquidity of the leased asset is low.

1. Optimization of the income tax base.

The taxpayer has the right to reduce the tax base by the amount of lease payments paid.

1. Preservation of financial structure.

During the leasing transaction, no borrowed capital is involved and the enterprise balance sheet maintains an optimal ratio of equity and borrowed funds.

Flaws:

• the lessee is not the owner of the car;
• payments are mandatory and are made regardless of the condition of the leased asset and the results of economic activity.

So, RESO-Leasing is a company that provides cars, trucks and special-purpose equipment for rent.

Potential clients can make a preliminary calculation on the website, receive specialist advice on the hotline and, after approval, complete the transaction at the nearest branch.

Leasing or finance lease- this is a type of lease relationship, as a result of which the Lessor (lessor) undertakes to acquire ownership of the property specified by the Lessee from a seller specified by him and to provide the Lessee with this property for a fee for temporary possession and use for business purposes. The main distinctive feature of leasing is that the Lessor is not responsible for the choice of the leased item, the terms of its acquisition and the seller.

Leasing is an investment instrument that allows you, without diverting a large amount of your own funds at a time, to modernize your enterprise and update fixed assets, expand production by purchasing new, modern, high-tech equipment, vehicles and machinery. Leasing is an alternative to bank loans; when using leasing, you receive long-term borrowed capital, keeping existing bank lines of credit open, and optimize the tax base of your company, using profits more rationally.

Types of leasing

In accordance with the Law “On Financial Lease (Leasing)”, adopted in 1998, the following main forms of leasing are established in the Russian Federation - domestic leasing and international leasing. The law also distinguishes subleasing as a type of sublease, in which the Lessee, who has received a financial lease of property, himself becomes the Lessor and transfers it to his own client.

As the industry developed, the following terms became established in the leasing community: leaseback, in which the lessee and the seller of the property are the same person, and operational leasing, in which the property is not redeemed at the end or during the contract, but is returned to the leasing company, that is, it is actually a regular lease.

In connection with the abolition of the previously existing requirement for the mandatory commercial use of the leased asset, property can be leased to individuals, as is widely practiced, for example, in the USA. However, leasing for individuals has not become widespread in Russia due to the existing VAT taxation.

Subjects of the leasing transaction

Lessor- a legal entity that, at the expense of borrowed and (or) own funds at the request of the Lessee, acquires ownership of property (equipment, vehicles, real estate) from the Seller and provides it as a leased asset to the Lessee for temporary possession and use under certain conditions, for the specified regular period fee and for a specified period. All transaction parameters are specified in the leasing agreement.

Lessee (Client)- a legal entity that, in accordance with the leasing agreement, selects the leased asset and accepts it from the Lessor for temporary possession and use under the conditions specified in the leasing agreement.

Seller (Supplier)- a legal entity with which the Lessor enters into a purchase and sale agreement and acquires the leased asset specified by the Lessee.

Leasing differs from a standard loan in that it involves the acquisition by a bank or other credit institution of movable/immovable property with its subsequent lease to a legal entity that needs this property.

Such products have both advantages and disadvantages. You should understand what are the features of leasing registration in the RESO company.

A loan means the provision of banknotes to a person at an interest rate for a period specified in the loan agreement. Unlike this product, when leasing, the financial institution does not issue funds to the client, but independently buys the things he needs and then rents them out.

The client himself chooses what property to purchase and where. The lessor (financial organization) acts as the buyer. In addition, he retains ownership of the item. For the use of this property, the lessee will have to make monthly payments (essentially, rent). Just like a loan, they include an interest rate.

At RESO, the RESO-Leasing division is responsible for providing such services. The products of this company have the following advantages:

• The ability to obtain a new vehicle for use without withdrawing significant amounts from the company’s operating capital.
• After receiving the vehicles, they will remain on the balance sheet of RESO, due to which certain tax breaks are possible for the entrepreneur.
• Not only legal entities, but also individual entrepreneurs can use the services.
• The organization's clients have the opportunity to obtain leasing at special promotions. They allow you to purchase certain car models on favorable terms or take advantage of a smaller down payment (advance payment).

• No collateral is required. In fact, this role is played by the vehicle transferred to the entrepreneur.
• The RESO-Leasing company works with both passenger cars and trucks, special equipment.
• Possibility of choosing between differentiated (different) and annuity (equal) payments under the contract.

Despite the large number of advantages, you need to understand that the acquisition of a vehicle occurs only after the lessee makes an advance payment. Accordingly, you will have to immediately invest part of your funds. As a rule, the total cost of leasing for an entrepreneur is higher than a loan. In addition, there are no guarantees that upon expiration of the contract, the vehicle will become the property of the lessee.

"RESO-Leasing" - Online Car Cost Calculator

It is stated above that the final cost of leasing may be higher than in the case of a standard loan. However, it all depends on the specific situation. It is noteworthy that clients of the RESO company can independently determine which option is best for them (thanks to a special calculator for calculating the cost of leasing). The service can be accessed through the official website of the organization.

The algorithm of actions for calculating the cost of a service is as follows:

1. Go to the official website of the company using the link: .
2. Find the “Online calculator” button on the left side of the page.
3. Fill out the form that opens after the transition.

• To carry out the calculation you will have to enter some data. You need to proceed as follows:

• First of all, you should select the type of transport for which leasing will be issued (the selection menu is located on the left side of the form).
• Next, enter the cost of the car, the duration of the contract and the amount of funds paid by the client as an advance. You can enter manually or select parameters using sliders.
• The last step is choosing the type of payment.

• While filling out the form, two blocks of data will be displayed on the user’s screen:

• On the right side of the form you can find out the total cost of the transaction, the exact amount of the advance and monthly payments.
• Below the calculation fields, a schedule of monthly payments is displayed with their exact quantities and amounts for each month.

The user can also use the quick form on the main page, located under the “Online calculator” button. After entering the data, you will be taken to the form described above.

"RESO" - Buy a Car on Leasing through the Official Website

The registration procedure consists of several stages. First of all, you need to select a specific vehicle. To do this, you can use the catalog on the official website of RESO-Leasing (for example: .

The algorithm of actions for obtaining a vehicle is as follows:

1. Apply for equipment. To do this, you can use the online form on the RESO website. To access it, you need to click on the “Lease Application” button. The fields on the page that opens must be filled out.

2. You will need to enter contact information (phone number, email address, details of the person responsible for the transaction), as well as indicate the name of the company and the city in which it operates. On the right side of the form, the cost of the vehicle and the leased item are indicated. You can also provide additional information in the Note field. To continue processing, you need to click on the “Submit Application” button.

3. Wait for a call from one of the organization’s employees. The latter will clarify the parameters of the transaction. In the future, all issues related to product design will be resolved through him.

4. Collect a package of documents and submit it to the nearest branch. Wait for the final decision to be made. The maximum period is no more than three days, although approval can be obtained within a few hours after submitting the documentation. It all depends on the complexity of the transaction.

5. If approved, come to the company’s office, sign an official agreement and transfer the advance to the organization’s account.

After signing the contract and depositing funds, the equipment is purchased, insured and transferred to the lessee. The latter can use the received vehicle at his own discretion, but within the limits of the rules established by the agreement with RESO-Leasing.

What documents are needed to lease a car at RESO-Leasing?

To formalize leasing, it is necessary to prepare a package of documents designated by the company. The specific list depends on the form of registration of the enterprise. So, individual entrepreneurs need to have with them to register the product:

• A copy of your passport (all pages).
• Copies of tax returns with a tax service mark.
• Certificate of movement of funds in the current account from the bank that services it (original).

Legal entities will have to prepare a wider package of documents. The list includes the following papers:

• company charter (copy);
• order on the appointment of a manager;
• passports of the director and founders;

• Form 1 “Balance Sheet” (displays data for the reporting period before contacting “RESO”);
• certificate of current account from the bank that services it.

During a personal visit to the office, the client will also have to fill out an application. A RESO employee assigned to the lessee will help with this. If the contract amount is large, the legal entity may need minutes of the meeting of the founders, which will contain their consent to carry out the transaction.

Questions and answers regarding Leasing at RESO - Contract and Sale

"RESO" - Leasing for Individuals and Legal Entities - Programs and Costs

At the moment, RESO-Leasing operates three main car leasing programs. Using them, an enterprise can purchase a passenger vehicle, truck or special equipment. The choice of a specific program depends on the needs of the lessee.

The company also has special offers for businesses operating for less than a year (“RESO-Express”). You can count on special conditions when purchasing a Mitsubishi L200, Ford Explorer/Transit and Nissan cars. The Yubileiny product allows you to purchase a passenger car (priced up to 3 million rubles) with an advance payment of only 5% of the transaction value.

"Passenger vehicles"

The company's clients can purchase cars belonging to category "B". The organization currently cooperates with all major vehicle manufacturers. The list of its partners includes: BMW, Mitsubishi, Skoda, Ford and more than 20 vehicle manufacturers, including domestic enterprises.

The main characteristics of the program are as follows:

• The advance amount ranges from 10 to 50%.
• The contract period is up to 5 years.

RESO-Leasing lessees can count on a discount provided by car manufacturers to clients of this financial institution. In addition, as a gift, they are given a “Road Assistance” card, which gives them the opportunity to solve technical problems that arise along the way.

"Cargo vehicles"

RESO-Leasing has access to discounts from truck manufacturers. Thanks to this, the company's clients can buy vehicles at a better price. Under this program, legal entities and individual entrepreneurs can purchase the following types of equipment:

• dump trucks;
• cargo vans;
• buses;
• trailers;
• tank trucks;
• truck cranes.

The contract is concluded for a period of no more than 4 years. The minimum advance is 15%. The company's main clients for these products are enterprises engaged in transportation (of cargo and passengers), as well as construction organizations. The program allows you to obtain equipment in a short time and on favorable terms.

"Special equipment"

The program is designed for enterprises using special equipment. Companies involved in agriculture, road laying, mining and construction can use the services of RESO-Leasing. Special equipment means the following units:

• tractors;
• bulldozers;
• asphalt pavers;
• graders;
• drilling rigs;
• excavators.

The complete list is not limited to the types of equipment listed. The program is beneficial for small companies that find it difficult to allocate large sums for the purchase of special equipment. At the end of the lease agreement, the vehicle can be purchased.

"RESO-Leasing" - Telephone Numbers, Office Addresses, Work Schedule and Details

The RESO-Leasing division was founded in 2003. At the moment it has an extensive network of branches in Western and central regions countries. A subsidiary of the organization also operates in Belarus. The main office of RESO is located in Moscow, on 1st Nagatinsky Avenue in building number 10 (first building).

In the company's branches you can not only draw up an agreement, but also get advice on the activities of the organization. In addition, you can contact RESO-Leasing employees using:

• Hotline number: 8-800-20-010-25 . The line is multi-channel and operates around the clock. Calls are free from all regions of the country.
• Official website. To do this, you need to go to the page, and then click on the “Ask a Question” button (located on the left side of the resource). A form will appear in a new window that you will need to fill out. The answer will be sent to the specified email address.

Official e-mail of the organization – [email protected] . Central office number – +7 495 980 08 83 . INN – 7709431786, OKPO – 70023445, KPP – 772601001, OGRN – 1037709061015.