More than six million vehicles of professional use circulate in France including more than one million under leasing agreement long life.
A figure which does nothing but grow and which should still progress in the next years.
Indeed, the hiring long life, initially a system of financing of vehicles very snuffed by the companies became a true management style of car fleet.
it is the traditional credit which is the way of financing more used. It can be granted on the spot in the concession at the time of the purchase of the vehicle by the financial subsidiary company of the manufacturer.
But it is preferable to compare this offer with those proposed by the banks.
Often besides, the dealers propose several offers. That of their mark, but also those of finance companies, subsidiary of banks.
Taking into account the competition which reigns on the selling prices of the vehicles, will know that a considerable share of the benefit carried out by a dealer at the time of the sale of a car comes from the commission which the financial institution having granted transfers to him the credit.
As much to say that it is not by proposing the purchase “cash” which you will have an additional handing-over.
Leasing or credit-balloon ?
Another formula of financing: leasing (leasing) accounts for 15% of the financings. The recipient of this formula has a vehicle and pays a rent for the period of the lease which can go from 6 to 72 months.
With the signature of leasing, the purchaser pours a first rent integrating a deposit of about 10 to 15% of the cost of the new vehicle. The rent is then calculated according to the depreciation of the model.
At the end of the contract, the user has the choice between preserving the vehicle or changing it. If it makes the decision to restore it, the motorist recovers whole or part of his deposit depending on the state of the returned vehicle. If it preserves it, it must discharge the amount of the option to buy defined in the signature of the contract.
If this formula allows a good control of its automobile budget, it requires to take care carefully of the maintenance of the vehicle from the point of view of its restitution.
Solution halfway between the credit and leasing, the credit-balloon represents a financing on four of the new vehicles in France.
Here, the customer borrows only the sum corresponding to the difference between the price of the new vehicle and his value in recovery at the conclusion of the contract.
Favours, the amounts of the monthly payments are weak and at the end of the contract, the purchaser of the vehicle can either return it, or to renew his contract balloon for a new vehicle, or to keep it.
In this last case, it pays the last monthly payment more important than the preceding ones called balloon.
Last formula suggested, the hiring long life (LLD). This one is rather adapted to the needs for the companies, in particular for tax reasons and of mileage.
CHOICE OF THE VEHICLE UNDERTAKEN
Many companies make the choice invest in a vehicle fleet. In term of financing, several solutions are also proposed to them.
The self-financing or purchase on equities remains very snuffed in the small companies.
The traditional credit passes by the recourse to a bank or an financial institution. In these two modes, the company is owner of its vehicles. It takes care of their maintenance, the insurance, and their resale.
In the case of leasing or leasing, the company rents a vehicle over one period which can go up to 60 months and for a given mileage.
Leasing can be together with a whole of services (assistance, insurance, maintenance) which make it possible the company to pay only one rent very included/understood… Quite useful to be simplified management.
But the companies, have more and more recourse to the hiring long life (LLD). It is about the hiring of a vehicle for a mileage and an intermediate duration from 12 to 36 months determined in advance and revisable according to certain conditions.
This offer of hiring can also be accompanied with a panoply of services managed by the hirer out who facilitates management by the companies of their vehicle fleet.
Favours, the LLD does not require any deposit, nor contribution in the form of first raised rent. It removes the financial risk related to the resale of the vehicles and reduces administrative management.
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