Today, those who drew the money from local banks – not in a position to offer a normal, accessible to our businessmen financing rates. While attracting foreign Investment enables leasing companies to reduce the rate of the currency. The annual rise in the cost of equipment varies from 9 to 11% per year. This amount includes compensation leasing company, the compensation cost of insurance subject lease and taxes. Calculating the payment schedule, the lessor explains in detail the client what he pays for. Insurance is a compulsory part of the company "Delta>>. Insurance payments are included in monthly lease payments to the client. To insure property risks and civil liability.
Experience shows that insurance claims are not frequent but do occur. The main reason – the human factor. Main requirements for insurers – not lower rates, but the real ability to pay insurance claims. Insurer carefully chooses the company, given its rating, experience in a particular market, a reputation within each region. It should be noted that "the Delta>> always concludes with the insurers general agreement, which is specially designed for non-life insurance on property leased. The terms of this agreements allow for the maximum protection to the interests of the lessee and close with the best possible insurance risks. In addition, insurance rates for leasing companies, both for wholesale buyers of insurance services, significantly lower than for a single client. Schematically the processing of lease applications as follows: a meeting with the client, identifying the main points of his business, a preliminary correlation the size of payments on a lease agreement with its financial capabilities, preparation of client applications for lease financing, analysis of customer's application, a visit to his business, agreement of purchase of equipment provider, training materials on the credit committee.
Usually takes 14-21 days from receipt of materials from the client, review of materials on the transaction by a credit committee, a decision on funding; conclusion contract with customers and suppliers, financing .Prirost leasing market in 2004 compared with 2003 was 85%. Market growth in Siberia is somewhat lower, however, the potential – is huge. Company DeltLeasing>> works in the leasing market since 2000. Equity capital is 13 million U.S. dollars. The sole founder of the company is an investment fund U.S. – Russia, which works exclusively in Russia since 1995.