Finantare Kia Motors

Usually, in the many stages of a leasing contract, there are at least five parts involved: the leasing company, the client or end-user, the provider of the purchased good, the financing bank and, last but not least, the insurance company.

Choosing the good and the supplier
Depending on the client’s needs, he decides both the features of the good and the supplier. All the details about the nature of the good (price, technical specifications, delivery, installation and initial start, in the case of equipment) will be negotiated by the user directly with the chosen supplier, International Leasing having to respect of all the negotiated aspects in the sale-purchase and the leasing contracts.

Getting the offer the leasing request
Based on the price negotiated with the supplier (CIP or DDP) International Leasing lays down a general financing offer, where the initial payment, the credit rates, the value of the insurance will be included in the calculation. Following the conveyance of the leasing request, the initial offer can be subject to modifications depending on the risk class the client will be part of. The risk analysis is based on financial documents that are made available by the client (balance sheet, profit and loss account) as well as other documents requested by International Leasing (leasing questionnaire, company activities presentation, business plan etc).

The analysis and approval of the lease
The evaluation of the leasing request is done by International Leasing specialists in a time interval not exceeding 48 hours. Depending on the complexity of the project in need of finance, International Leasing can request additional information regarding the analyzed aspects from the client, the final response of the analysis being postponed depending on the purveyance of the requested information.

Signing the contract
If the answer is positive, a financial leasing contract will be signed which will include the clauses negotiated by the user and the supplier, as well as clauses specific to the International Leasing policy regarding the way rates are paid, the insurance of payment etc.

General insurance of the good
The good that will be purchased is going to be insured by International Leasing for the full duration of the leasing contract, in the all risk option, in the conditions agreed upon with the insurance company and the financing bank, the first insurance payment having to be paid by the user.
With imported goods, the first insurance payment will be calculated depending on the DDP value of the good.

Goods Delivery
The obligation to deliver the goods falls entirely on the provider, the operation being assisted by the International Leasing specialists. Besides this, we also offer support concerning the operations that need to be done after the delivery of the goods (registration etc.).