Acquires Baltic leasing. Unique solutions from the Baltic Leasing company: the sale of former arrested cars

Leasing services of the Baltic Leasing company find new fans every year. Despite their relative novelty, they have already managed to appeal not only to legal entities, but also to individuals due to their individual approach, relative simplicity of design and a number of advantageous offers, which are in no way inferior, and in some cases even exceed the conditions for a car loan.

An undoubted convenience is that the Baltic Leasing lease agreement applies to almost any car, regardless of their year of manufacture or the country of manufacture. In addition, the company offers to lease the seized property: despite the frightening name, this practice is widespread and does not carry absolutely no risks for the client.

What is an agreement for?

Everyone who has already come across Baltic leasing knows that it implies the lease of an object.

However, the lease, as a rule, is not limited to a leasing contract: it often allows you to redeem the taken equipment or vehicles at the residual price after the expiration of the validity period.

In many ways, this turns out to be very convenient for many organizations - after all, the car is not on their balance sheet, which means that additional taxes are not required to be paid. Moreover, and individuals can get their benefit, especially if the selected car is priced at a decent amount.

Today, they are operational, as well as financial ones. In the first case, the purchaser gets the right to the subsequent purchase of the selected car, in the second case, the client does not have such an opportunity.

Favorable conditions for Baltic leasing clients

The Baltic Leasing company specializes in the conclusion of leasing agreements. Take in finance lease in this organization it is possible not only for cars:

at the service of buyers any special equipment, commercial and freight transport, as well as buses and trailers.

According to the terms of the Baltic Leasing company, the sale of seized vehicles is carried out at special prices favorable to the purchaser.

All seized property is carefully checked, after which it is provided for use by the buyer.

The safety of such an acquisition is guaranteed by the fact that any seized vehicle is always the property of the company, and third parties do not claim ownership.

When purchasing a confiscated car from a leasing organization, you can be sure that the documents for it will be completely in order.

Typically, the implementation collateral occurs at a price significantly lower than the market price, as the leasing company is trying to get rid of the growth of unproductive costs. To purchase such a vehicle, you need to contact the company and fill out the necessary paperwork.

As it became known to Kommersant, Otkritie Holding is straightening the ownership structure of Baltic Leasing in order to sell it. In 2017, the company, which is in the top 10 in terms of portfolio size, wanted to buy Europlan of the Safmar group, but the deal fell through due to the reorganization of FC Otkritie bank. Now, Baltic Leasing may be of interest to banking groups developing their core segment.

Otkrytie Holding is preparing to sell Baltic Leasing, an interlocutor close to Otkrytie FC told Kommersant, and confirmed a top manager of one of the largest leasing companies... The main shareholder of Baltic Leasing at the beginning of 2018 was Interservice (79.5%), which is controlled by Pavel Shishkin through a number of offshore companies. Its full namesake is the owner of the Tactics Group, a business partner of Boris Mints, a former shareholder of FC Otkritie. Slightly less than 20% of Interservice shares are directly owned by Otkritie Holding, the former main shareholder of FC Otkritie. The board of directors of Baltic Leasing is headed by the former vice-president of the bank, Andrei Ryabtsev. In November 2017, Otkritie Holding applied to the Federal Antimonopoly Service (FAS) with a request to acquire 100% of Interservice shares. Last week, permission to purchase was received.

According to Expert RA estimates, Baltic Leasing at the end of the third quarter of 2017 ranked tenth in terms of the size of the leasing portfolio among Russian companies... At the beginning of 2018, it was equal to 41.1 billion rubles. The company focuses on the development of car leasing and other retail products.

41.1 billion rubles

was the leasing portfolio of Baltic Leasing at the beginning of 2018

A Kommersant source close to FC Otkritie claims that Baltic Leasing was previously controlled by Otkritie Holding. In 2017, Europlan (now Safmar financial investments", Controlled by the Gutseriev family). At the end of July 2017, the FAS even approved a deal on the acquisition by Europlan of 99.5% of shares in Baltic Leasing. But a month later, FC Otkritie Bank was reorganized into the Consolidation Fund banking sector Central Bank, and the purchase fell through. After the reorganization began, it was impossible to understand who the seller was, explained a Kommersant source close to the negotiations. According to him, "doubts arose about the seller's authority, it was impossible to discuss the price or conduct due diligence." A representative of Safmar Financial Investments confirmed that the holding was considering the acquisition of Baltic Leasing. Otkritie Holding and Baltic Leasing did not respond to Kommersant's request, and it was not possible to contact Tactics Group.

But the leasing company did not enter the perimeter of the reorganization of FC Otkritie, says a representative of the group. Now Otkritie Holding is looking for a buyer for the asset, say a top manager of one of the largest leasing companies and a Kommersant source close to FC Otkritie. “More often than not, the ownership structure straightens out in this way before a potential sale,” confirms the managing director of the National rating agency Pavel Samiev. And the market conditions are favorable for such transactions. According to Mr. Samiev, “subsidizing programs have a positive impact, as well as a significant increase in the availability of funding for leasing companies”. " Good quality of the leasing portfolio allows the company to show a return on equity at the level of about 20% ", - the leading analyst of Expert RA Alexey Suchkov assesses the asset.

Currently, transactions with leased assets are extremely rare. According to Mr. Suchkov, the high quality of the asset allows it to be sold with a premium to the capital (at the end of 2016 it amounted to 4.7 billion rubles according to IFRS). “If the deal is forced, then a discount to own funds is possible,” the analyst notes. Large leasing companies that are part of banking groups and “would like to strengthen their positions in the retail segment, especially in car leasing,” may be interested in Baltic Leasing, says Pavel Samiev. The buyer can be a company aimed at developing the retail business, agrees a top manager of one of the leasing companies. However, the representative of "Safmar Financial Investments" said that now this asset is not included in the sphere of "short-term interests" of the holding.

In this article we will consider how to conclude an agreement with Baltic Leasing. We will find out on what conditions a car is sold in a leasing company and how to calculate monthly payments using a calculator from the official website.

About company

Leasing company "Baltic Leasing" started its work in 1990. The organization is one of the first to start operating in the Russian Federation. At the moment, it is already a group of companies, which has 69 branches throughout the country, and is also a co-founder of the National Leasing Union (since 2017).

Baltic Leasing provides complete list leasing services from leasing passenger cars before real estate leasing. In addition, the list of services includes appraisal and insurance of leased property.

The company finances most of the leasing projects using own funds, which provides additional financial sustainability organizations. The organization ranks 6th among leasing companies in the Russian Federation.

Leasing programs in Baltic leasing

For a successful business, the expansion and renewal of the company's vehicle fleet is required. But funds do not always allow you to simultaneously purchase several cars. There is a way out of this situation - to issue a car on lease. Let's consider what programs operate in the Baltic Leasing company.

It is worth noting that it works profitable program leasing with an initial payment of 0%. The preliminary decision on the application is usually made within one working day.

Under the "Express" and "Operative Leasing" programs, early redemption of property is allowed, and the payment schedule for them is drawn up at your choice.

The validity period of the lease agreement depends on what your needs are and how much the chosen car costs.

How to calculate the cost of a car

To calculate the cost, you can use a special calculator on the company's website. To get a preliminary calculation, you need to enter the following data:

Choose the type of property you are planning to purchase.
Indicate the brand and model of interest, full cost vehicle, the amount of the advance.
Indicate which payment schedule suits you best.
Select the term of the lease agreement.

Let's say you are interested in a BMW 5 Series sedan car. An example of a calculation and a payment schedule will look like this:

Important! The calculation is preliminary, all conditions are negotiated individually, based on the situation of each client.

How to send a leasing application

It is not necessary to visit the company's office to apply. The site has a special form for sending a questionnaire. Let's figure out how to fill it in:

Go to the official website of the company.
In the upper right corner of the menu, select the "Send a leasing application" section.
A special form will open that you need to fill out.
Please enter your name, contact number and email address.
Select the city in which you are registered from the list.
Indicate the subject of lease, type of property, its value.
Select the type of currency.
Check the box with the consent to the processing of personal data.
Click the "Submit" button.

Now expect a call from a company specialist to clarify and agree on all the details.

There is no personal account on the company's website, and all information about payments can be obtained by communicating with the manager.

Business requirements

The main requirement of the company for its clients is to conduct business for at least 12 months. This requirement applies to both individual entrepreneurs and legal entities... The possibility of financing a company that works for less than this period remains at the discretion of the head of the leasing organization.

As for securing a transaction, both its classical types (collateral) and less burdensome ones (increasing down payment, signing a buyback agreement, and so on).

One of the important requirements for a client is a break-even balance sheet, which can be easily verified using tax and financial statements.

List of documents for individual entrepreneurs

To conclude a lease agreement, a potential client - individual entrepreneur - must provide the following documents:

Completed application for participation in leasing.
Application form.
Extract from EGRIP.
Passport of a citizen of the Russian Federation.
Extracts on personal account for a certain period (most often in the last 6 months).
Financial reporting and tax documentation.

List of documents for legal entities

Legal entities provide:

Application.
Application form.
Financial statements for a specific period.
Articles of Association or other constituent documents.
Order on the appointment of the head to the position.

What car can be bought in Baltic Leasing LLC

LLC "Baltic Leasing" sells both new and used cars on lease. There is an opportunity to purchase foreign-made passenger cars with minimal overpayment, as well as light commercial vehicles and trucks from Russian manufacturers.

All used cars are diagnosed before being handed over to the client, so you can be sure of their complete technical serviceability.

In addition, the company sells seized vehicles and confiscated Vehicle, the sale of the pledged property is underway. All purchase conditions in this case are discussed individually with each client.

For the convenience of potential borrowers, there is a whole store "Baltic Leasing" on the website avito.ru. and the portal avto.ru.

Turnkey leasing

The turnkey leasing program provides for financing small businesses in order to provide a complete set of inventory and equipment. This service is somewhat similar to project finance. Maximum amount financing a turnkey company directly depends on the profitability of the client's business.

In this case, leasing schemes are used that allow you to take advantage of significant tax advantages, for example, accelerated depreciation of equipment.

Additional services

In addition to a wide range of leasing services, the company also provides a number of additional services. In particular, this list includes:

Agreement individual conditions transactions between participants (seller and lessee).
Conducting complex transactions.
Appraisal of leased property.
Leasing object insurance services.
Consulting assistance in taxation and accounting. accounting (within the framework of the contract).
Registration of property with the State Traffic Safety Inspectorate and GosTekhNadzor.

You can get advice on the use of these services from the company's consultants.

Advantages of leasing with Baltic Leasing

Leasing is most beneficial for companies that belong to the small and medium-sized business sector. Compared with bank lending the requirements for the borrower are lower here, which is important for start-up organizations. In addition, lease payments can be charged to cost, and the taxable base is reduced by accelerated depreciation property.

An important advantage of leasing is that you do not need to provide additional collateral, since the very subject of the transaction is the collateral under the contract.

Contacts LLC Baltic Leasing

The head office of LLC Baltic Leasing is located at: 190103, St. Petersburg, st. 10th Krasnoarmeyskaya, 22, lit. A, BC "Kellerman". You can contact the GC "Baltic Leasing" by calling 8 800 222 0 555.

On the official website of the company, you can familiarize yourself with the addresses of branches in Moscow and other cities.

Brief details of the company "Baltic Leasing": INN 7812022787, KPP 783901001.

As a result, leasing was not approved. BUT....
The very policy of BL and the attitude towards clients is what I am dissatisfied with.
We looked at the car at the end of May, at first we wrote letters to sites with feedback with questions about the state of the car, now it is not surprising that no one answered us (http://www.zalog24.ru/region/chelyabinskaya-oblast/chelyabinsk/transport/automobili/legkovye/nissan/x-trail/10650 / http://www.baltlease.ru/sale/16642/view/172264/). Then they began to call directly to Chelyabinsk, no one answered the phone all day, neither the office nor the director himself. The next day we got through and the manager sent me to Kazan. I warned everyone that if the car is really in the condition that is described, I will pick it up. I asked to leave this car in reserve for me. I also told the manager in Kazan that the purchase would be carried out as follows: I arrive on the N number in Chelyabinsk, I inspect the car at the dealer, if I am satisfied, I order the maintenance of the car because this is indicated in the diagnostic recommendations, at this time I go to sign an agreement to the office of Chelyabinsk, I transfer money, the next day BC sees this money and on N + 1 numbers I leave in my car for my region. The representatives of the BC of the Kazan branch were informed about my plans.
When the lease was refused, the option of purchasing this car through other leasing companies, or lending through a bank was considered. All of them were sent documents for the conclusion of contracts.
A call was made to the director of the branch in Chelyabinsk and here the surprises began. The director of the branch did not know that our company was preparing the documents for concluding an agreement. It turns out that this car is being prepared for sale in Chelyabinsk itself to a private person for cash.
After making calls to Chelyabinsk and Kazan, the result is as follows:
1- On the market policy "who took the first, that and the slippers" ("... if you want a car, come for an inspection before another buyer ..."),
2- About blackmail ("... if you want a car, overtake the deposit without inspection, ..." that is, forced to buy a "pig in a poke"),
3- About the neglect of preliminary agreements (and if the leasing was approved? That is, only after two days we would finally exchange documents, and at this time in Chelyabinsk this car was sold to another person, because the Chelyabinsk branch was not informed about the upcoming transaction between our companies.
4- In a LEASING COMPANY, the priority is given to the buyer with full payment for the equipment, and not by leasing it. (I propose to name LLC Baltic Organization for the resale of new and used equipment)
Refused to lease due to low annual turnover. Instead of the requested 3 years and 22000 monthly they offered 1 year and 75000 monthly then corrected and it turned out 1 year and 45000 monthly. That is, 22,000 per month for 3 years BL considered us a big load, and 45,000 per month for 1 year, in their opinion, will not be a load for us))))

Group of companies "Baltic Leasing" is one of the largest leasing companies in Russia. Leading supply chain service vehicles, construction equipment and machine-building equipment on the Russian market.

Provided by the company

About company

Baltic Leasing is the first company in Russia to receive a license №0001 from the Ministry of Economy of the Russian Federation for leasing activities. The company has been on the market since 1990.

Baltic Leasing operates according to a universal business model and finances vehicles, equipment, special equipment, real estate and other property for its clients.

The company has been in the top 10 leaders of the Russian leasing market for several years in a row according to the RAEX analytical agency; today, Baltiyskiy Leasing is ranked 8th in this rating.

The branch network of "Baltic Leasing" covers the whole country - from Kaliningrad to Sakhalin, has 74 branches.

Baltic Leasing has been a member of the United Leasing Association (OLA) for 20 years. In 1999 the company became one of the founders of OLA, and general manager"Baltic Leasing" Dmitry Korchagov became the first president of OLA, he held this post until 2001.

In 2017, Baltic Leasing joined the International Finance and Leasing Association (IFLA), becoming the only representative Russian Federation in the business community uniting leading non-state lessors from more than 20 countries of the world

Also, Baltic Leasing was a co-founder of the National Leasing Union, NLS, created at the end of August 2017 in order to coordinate activities and represent the interests of participants in the Russian leasing market.

The company is actively introducing digital technologies into its business processes. In 2018, an electronic Personal Area client. Also, Baltic Leasing has built an innovative search engine into its auto catalog. Thanks to this tool, the company's customers can, firstly, instantly find the right car, which is available in the car dealership of their city, and secondly, in two clicks calculate the cost of acquiring it on lease directly on the website. In addition, work is underway to introduce legally significant electronic document management into the general databases of the company.