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When it comes to financing the acquisition of a vehicle or equipment, two commonly used options are the financial rental and the operational leasing. Although these terms may seem similar, they have important distinctions that impact how acquisition is managed. In this discussion, we will explore these fundamental differences between financial renting and operational leasing in detail, allowing you to make informed decisions about financing for your business or personal needs.
CONTRACT :
Leasing contract: monthly capitalization (interest included) by the lessee. Predefined price and duration.
Owner:
Legal owner: lessor
Fiscal & economic owner: lessor
Tax :
The vehicle is not on the customer's balance sheet, therefore no impact on the debt ratio
Invoices :
Monthly bills are expenses under traditional financing
Purchase option :
No purchase option at the end of the contract determined in advance.
Administrative management :
Covered by the rental company. Tenant doesn't take care of anything. (insurance, taxes, maintenance, repairs)
CONTRACT :
Rental contract with predefined price and duration. Undefined mileage. VSmonthly apitalization (interest included) by the tenant.
Owner:
Legal owner: tenant
Fiscal & economic owner: lessor
Tax :
The vehicle is not on the customer's balance sheet, therefore no impact on the debt ratio
Invoices :
Monthly bills are expenses within the framework of traditional financing
Purchase option :
Residual value at the end of the contract: between 16% and 20% of the investment amount
Administrative management :
Risk management (insurance) is the responsibility of the customer. It is nevertheless possible, on a case-by-case basis, to integrate the insurance service into the contract.
The major difference between financial renting and operational leasing lies in the services included (taxes, insurance, repairs, etc.)
Schedule an appointment and let’s evaluate the best options for you and your team.
BE079 819 67 66
Founded in 2015, JJFIN is a Belgian company that has quickly made its mark in the car leasing sector. Specializing in car leasing for both businesses and individuals, we offer tailor-made solutions to meet your needs.
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