The lease, which is based on the classic forms of leasing, is dedicated to the purchase, construction or renovation of a building, ie a well more complex instrumental factors. The function of this tool is to allow the use of a property, tend in the long term without having to buy it, but with the right of redemption at the end of the contract (terms already agreed upon at the inception ).
Without mobilizing part of their funds, the firm-tenant may therefore have produced expensive, paying the agreed fees (often indexed) to the leasing company that provides to buy or to build the buildings required to meet the needs of the customer.
Real estate leasing, aimed at enterprise companies, traders, professionals, self employed and not least the public administration, finance 100% of the investment, otherwise the mortgage finance available on the market only 50% of property value.
In addition, while currently the loans tend to have a maximum duration of 10 years, the contract of lease may also reach up to 20 years and beyond.
leasing commercial real estate only for residential purposes
Recently, the lease has been extended to private recipients with the words "real estate leasing residential second home", to which individuals can access, with the advantage of lower costs notarial - Data from the absence of a mortgage (but in this loan).
The lease can be distinguished in two categories for real estate leasing
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built for real estate leasing building
In the first case the institute lender buys the property chosen by the customer, ceded in leasing the same user in the second case will purchase the site where the building will be built (again on the instructions of the client), managing the entire construction phase to the delivery of the property. The institute
lender will take care of every technical / administrative staff, for example, town planning and feasibility. While the user will assume all costs and risks associated with maintenance and use of the object.
The lease has the same general benefits of the lease (which we presented in the introductory section), including the tax deductibility of the entire canon, in a period equal to half the time of depreciation.
the expiry of the contract, you can choose how to proceed from these options:
buy property with right of redemption, set at an attractive price
extend / renew the lease back the property used
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For 'insurance additionally, for the duration of the lease, the amount of each monthly fee, and all the details of the financial plan - or chose to choose from - you should contact the conventions of its subsidiary bank, which will check all of the requirements and feasibility of the operation.
Once you have established a positive result, the bank will request the notary (user selected) for the contract of sale.
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