1, shop around
When small and medium-sized enterprises decide to lease a certain equipment, they first need to know the business scope, business ability, relationship with other financial institutions and credit status of each leasing company, obtain the financing conditions and leasing fees of the leasing company, compare them and choose the best one.
2. Handle lease entrustment and credit review.
After the enterprise selects the leasing company, it can apply to it and handle the entrustment. At this time, the leasing enterprise fills in the lease application form or lease power of attorney to explain the specific requirements for the required equipment. Leasing companies generally require the lessee to provide the project approval documents and feasibility study reports approved by the examination and approval units stipulated by the state and incorporated into the plan; And the letter of guarantee issued by the guarantee unit recognized by the leasing company (such as the bank of the leasing enterprise) for the lessee to perform the lease contract. At the same time, in order to estimate the lease risk and judge the lessee's ability to repay the rent, the leasing company also requires the lessee to provide its own balance sheet, operating account books and various financial statements. In addition, if necessary, the lessor will further investigate the lessee's qualification and credit status through the credit reporting agency, and then determine whether it can be rented.
Step 3 Select a device
The methods of selecting equipment include: the enterprise entrusts the leasing company to select equipment and negotiate the price; The enterprise first signs a purchase contract with the equipment supplier, and then transfers the contract to the leasing company, and the leasing company pays the expenses; Designated by the leasing company, the enterprise orders the equipment, pays for it, and the leasing company repays the loan; The leasing company negotiates with the leasing enterprise to purchase equipment, etc.
Step 4 sign the purchase agreement
The purchase contract shall be signed by the lessee, the lessor and the supplier. In the case of entrusted leasing, the leasing company places an order with the manufacturer and signs an order contract, which will be countersigned by the lessee.
5. Sign a lease contract
The lease contract is signed by the leasing enterprise and the leasing company and is an important legal document of the leasing business. The content of financial lease contract can be divided into two parts: general terms and special terms. General terms mainly include contract description, terminology explanation, lease equipment terms, lease equipment delivery terms, tax terms, use terms, lease term and lease start date terms, rent payment terms, etc. The special clauses mainly include the relationship between the purchase contract and the lease contract, the ownership of the leased equipment, the non-refundable lease during the lease period, the protection for the lessor and the lessee, the relief for the lessor due to the lessee's breach of contract, the insurance clauses, the lease deposit and guarantee clauses, and the handling clauses for the equipment after the lease expires.
6. Notarization of bidding for financial leasing contracts
Financial leasing can apply for notarization of financial leasing contract. The notarization of the financial lease contract shall be under the jurisdiction of the notary office at the place agreed by the parties or the place where the contract is signed. The parties applying for notarization of the financial lease contract shall fill in the notarization application form and submit relevant materials.
7. Delivery of Leased Items
The manufacturer will directly deliver the equipment ordered by the leasing company to the lessee when it expires, and notify the leasing company at the same time.
8. Handle inspection and insurance.
After receiving the equipment from the manufacturer, the lessee will install and run the test. If its performance meets the original requirements, it shall be deemed as formal acceptance, and the leasing company shall be informed of the acceptance in time. Based on this, the leasing company pays the equipment price to the manufacturer, and starts to calculate the lease date and collect the lease fee. At the same time, the leasing company shall insure with the insurance company according to the value of the leased property, sign an insurance contract and pay the insurance premium.
9. Pay rent
The leasing enterprise shall pay the rent to the leasing company in installments according to the amount and payment method stipulated in the contract. The rent is determined according to the different lease objects and the obligations and expenses borne by both parties.
10, maintenance
The lessee may sign a maintenance contract with the manufacturer or other relevant suppliers who provide the leased property and pay the relevant fees.
1 1, pay taxes
The leasing company and the lessee shall pay the tax payable to the tax authorities in accordance with the provisions of the lease contract.
12. Disposal of equipment at lease expiration
When the financial lease contract expires, the lessee shall, in accordance with the provisions of the lease contract, withdraw the lease, renew the lease or keep the purchase. In financial leasing, the expired equipment is generally sold to the leasing enterprise at a symbolic price (generally the residual price) or transferred to the leasing enterprise free of charge, or the lease can be renewed at a low rent.