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IBT Leasing proposes
a lease offer, which
contains the following important information:
lease price, down payment and monthly
installments, leasing period.
The repayment schedule
contains the amounts of monthly installments
and dates when they are due. The lessee’s
financial obligations are shown in details:
down payment, installments and fee, and
the corresponding residual value.
For illustration, we present you a sample
lease offer with a hypothetical
purchase price, where you can see the
way calculations are done and installments
are distributed throughout a period of
12 months.
|
 |
| Purchase
price: |
1
000,00 |
| Leasing
price: |
1
095,00 |
| Annual
appreciation: |
9,50% |
| Residual
value: |
10,00 |
| Term
of the contract: |
12 |
|
|
|
TOTAL INITIAL
PAYMENT
|
| Down
payment (in percents): |
30% |
| Down
payment amount: |
300,00 |
| Service
price: |
10,95 |
| Monthly
installment: |
65,42 |
| |
376,4
|
|
|
| № |
Date
of payment |
Amount |
VAT |
TOTAL |
| 2 |
31.1.2001 |
54,51 |
10,90 |
65,42 |
| 3 |
02.3.2001 |
54,51 |
10,90 |
65,42 |
| 4 |
02.4.2001 |
54,51 |
10,90 |
65,42 |
| 5 |
02.5.2001 |
54,51 |
10,90 |
65,42 |
| 6 |
02.6.2001 |
54,51 |
10,90 |
65,42 |
| 7 |
02.7.2001 |
54,51 |
10,90 |
65,42 |
| 8 |
02.8.2001 |
54,51 |
10,90 |
65,42 |
| 9 |
02.9.2001 |
54,51 |
10,90 |
65,42 |
| 10 |
02.10.2001 |
54,51 |
10,90 |
65,42 |
| 11 |
02.11.2001 |
54,51 |
10,90 |
65,42 |
| 12 |
02.12.2001 |
54,51 |
10,90 |
65,42 |
| Residual
value: |
02.1.2002 |
8,33 |
1,67 |
10,00 |
|
TOTAL |
607,99 |
121,60 |
729,58 |
|
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