Leasing: what differences between Loa and LLD?

Temporary acquisition method of A vehicleLeasing constitutes a real alternative to purchase and attracts more and more French. THEA long -term rental (LLD) is similar to a car rental for several years, while the Rental with purchase option (AS) It has a repurchase value called residual value. The latter is calculated according to several criteria as rental duration, planned mileage, vehicle model e others discount forecast. Discover All THE Advantages and disadvantages of Two formulas rental as well theeuro main difftourNthere is deposit WELL choose between Optimal OR LLD.

Also known as leasing or Leasing (for professionals), the Rental with purchase option (Loa) allows the use of a new or used vehicle for the payment of monthly payments (rents) in the organization of the credit that participated in his loan.

The amount of the rent is determined according to possible contributiontype of car, defined mileage and rental time (from 24 to 60 months). Any services and insurance services chosen such asinterviewtheEnsure the extensionFinancial loss or the warranty of death are also taken into consideration in the calculation of the rent.

Loa with contribution reduces the rent monthly. Paid at the time of the subscription of a rental contract, the contribution is assimilated to a first increased rent and therefore is lost if the tenant renounces the purchase of the vehicle.

Through this, the Loa therefore offers the possibility ofBuy the vehicle At the end of the rental contract and become the owner. A formula that implies the payment of the purchase option or residual value to the lessor.

This is calculated on the basis of the rental model, the duration of the rental contract, the Annual mileage package (Generally between 10,000 and 30,000 km) e discount forecast (from 15 to 30% on average in the first year).

Furthermore, if the residual value set at the signing of the contract is less than the current market, the contract subscriber can potentially carry out a good deal Purchasing the car rented in Loa.

If the customer chooses not to raise the purchase option at the end of the contract, he must Restore the vehicle In perfect maintenance and operation conditions with all equipment and accessories.

The tenant is also required to carry out all the documents provided such as the gray paperthe guarantee book and theHistory of maintenance.

Leasing accessible to individuals and professionals, the long -term rental (LLD) constitutes a financing solution that allows you to rent for a certain period (often from 36 to 48 months) a new vehicle for a monthly rental.

Like Loa, the subscriber of a LLD contract pays only the use Without being the owner And it is the organization that acquires the vehicle and that rents it to its customer.

This lease contract without purchase option is increasingly common for professionals that use this type of formula to finance the entire fleet of vehicles utility.

Alternative AU Classic creditLong -term rental has the advantage of being able to finance a new (or very recent) cars in exchange for a monthly payment generally lower than that of Credito Auto.

The LLD also incorporates into the cost of different services such as theinterview (The customer must not worry about the sometimes expensive maintenance deadlines), assistance in the event of a failure or even car insurance as a whole duration of the contract rental.

However, since the LLD does not allow the time to become the owner of the vehicle, the total cost of rents is in a certain sense completely Since these only finance the use and some services to which the customer may have eliminated.

In addition, large rollers are not necessarily benefited because long -term rental contracts include Annual mileage package Located between 10,000 and 15,000 km/year depending on the model.

In case of exceeding the defined mileage, of penalty It can be applied when you return the car to the rental company, accompanied by Rehabilitation fees And all the necessary repairs if you notice little use.