Leasing

Alfa-Bank offers different leasing products such as vehicles, real estate, leaseback, refinancing of existing leasing portfolio on the most favorable terms to large and medium corporate clients.

Leasing provides a number of advantages:

  • You save efforts: no collateral is required. The leased asset itself is used as a security.
  • You save cash: reduction of profit and property tax base. Leasing payments are charged to the cost in full, thus the income taxable base is reduced. Due to accelerated depreciation, you have savings on property tax.
  • You save time: you just choose a leased asset (model of vehicle, equipment, etc.), we organize the deal with all involved parties under the principle of “one entry point”.

Types of Leasing

Currency: RUR; USD; EUR.
Tenor: up to 84 months
Advance payment: from 0%
Payments: flexible payments schedule as per Client’s requirements
Advance payments to suppliers: up to 100%
Interest Rates Increase: from 4%
Basic Requirements:

  • Age of the company is from 2 years;
  • leasing limit RUR100 mln minimum;
  • One off financing amount is from RUR30 mln

Currency: RUR.
Tenor: up to 48 months
Advance payment: from 20%
Financing amount: from RUR40 mln maxi
Application approval: within 1 day

Currency: RUS; USD; EUR.
Term: up to 60 months
Advance payment: from 15%
Payments: flexible payments schedule as per Client’s requirements
Advance payments to suppliers: up to 100%
Interest Rates Increase: from 4%
Basic Requirements:

  • Age of the company is from 2 years;
  • leasing limit RUR100 mln minimum;
  • One off financing amount is from RUR30 mln

Financing amount: from RUR150 mln
Application approval: within 4 days

Currency: RUS; USD; EUR.
Tenor: 10 years maximum
Advance Payment: from 0%
Mandatory Payments:

  • Monthly or quarterly, seasonally adjusted, with grace period, based on client’s cash flow;
  • Maximum of outstanding loan at 7th year is 50% of market value of the leased property;
  • Early repayment under income-producing property for more than 90% from the operating income (net) is not allowed

Basic Requirements:

  • proper registration of land/property rights of ownership;
  • minimum value of leased assets (real estate) is RUR50 mln

Access to:

  • Real estate lease back of the rented building;
  • Real estate lease back of the pledged building to the lessee;
  • VAT reimbursement;
  • Analytical research;
  • Developing a tailor-made structure of transaction

Information Needed for Pre-estimation:

  • Real estate value as per SPA;
  • Real estate value as per tax and accounting standing;
  • Payment conditions with the Seller
  • Term of the real estate leasing
  • Currency of the leasing contract and SPA;
  • Advance payment amount;
  • Payment schedule: annuity / differentiated schedule / seasonal repayment / grace period;
  • Period of the property transfer to a lessee;
  • Balance sheet keeper of the assets;
  • Insurance.

Basic Requirements for Borrowers

  • Lessee is a resident of the Russian Federation;
  • Lessee is incorporated as a legal entity or a private entrepreneur;
  • Existence of ongoing profitable business;
  • Business experience of at least 18 months;
  • Business registration and location in the region of Alfa-Bank presence;
  • Participation of non-residents of the Russian Federation and/or government in the authorized share capital up to 49%;
  • No negative credit history;
  • No litigations at the time of application.

Contacts

Elvira Kharitonova
Head of Multinational Clients Coverage

T. +7 (495) 974 25 15, ext.7999
M. +7 (903) 726 88 19
E. ekharitonova@alfabank.ru