2. According to the information provided by the enterprise, XX Center investigates its credit standing, assets and liabilities, operating conditions, solvency and project feasibility.
3. If the 3.XX Center considers it feasible, submit the project data to the financial leasing company for review.
4. If the financial leasing company requires the project to provide mortgage, pledge or performance guarantee, the enterprise shall provide a list of mortgage or pledge, a certificate of ownership or a certificate of the right to dispose of the mortgage or pledge, and reach a cooperation agreement with the guarantor on the issuance of performance guarantee.
5. If the financial leasing company fails to pass the preliminary examination, the enterprise shall timely supplement the relevant information according to the requirements of the financial leasing company. If the supplementary materials still cannot meet the requirements of the financial leasing company, the project will be cancelled and the project materials will be returned to the enterprise.
6. If the financial leasing project is approved by the financial leasing company, the relevant parties shall sign a contract.
7, mortgage, pledge registration, freezing, stop payment and other procedures.
8. After the lessee pays the deposit, service fee, guarantee fee and equipment invoice, the financial leasing company starts to invest capital.
9. The XX Center shall supervise the operation of the project and urge the lessee to pay the rent on schedule.
10. At the end of the lease period, the lessee buys back at a low price.
Extended data
The characteristics of financial leasing are generally summarized in five aspects.
1. The leased property is determined by the lessee, and the lessor purchases and leases it to the lessee for use, and it can only be leased to one enterprise during the lease period.
2. The lessee is responsible for the acceptance of the leased property provided by the manufacturer, and the lessor does not guarantee the quality and technical condition of the leased property.
3. The lessor retains the ownership of the leased property, and the lessee enjoys the right to use it by paying the rent during the lease period, and is responsible for the management, repair and maintenance of the leased property during the lease period.
4. Once the lease contract is signed, neither party has the right to unilaterally terminate the contract during the lease period. Only when the leased property is destroyed or proved to lose its use value can the contract be terminated, and a considerable fine will be paid for breaking the contract without reason.
Five, after the end of the lease period, the lessee generally has two options for the lease: to keep the purchase and return the lease. If you want to keep the purchase, the purchase price can be determined by both parties through consultation.
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