finance lease rent、Basic knowledge such as fees

The main source of profit from financial leasing is interest income，Everything else is income other than the main business.，Income outside the main business accounts for a very small proportion of the financial leasing company’s income.。finance lease

cost

Segmentation sounds complex but is actually very simple.，If you want to engage in the financial leasing industry，Learn a little about financial leasing

cost

The composition and calculation method of rent should help everyone to further understand financial leasing.。

one、Finance lease fee

cost

构成

1. Rent consists of rent = purchase cost of leased equipment + interest. The calculation interest rate is the loan interest rate for the same period announced by the People's Bank of China or it may fluctuate within the range allowed by regulations.。
2. other

cost

1) Handling fees vary according to project management costs，Except rent，Sometimes it is necessary to charge a certain amount

cost

，Generally a one-time fee of 1%-3% of the purchase cost is charged；2)The insurance lessee is required to insure the property against all risks in full with the lessor as the first beneficiary.、Machine damage insurance and other related insurances；3)Notary fees for leasing projects that require notarization，The lessee pays according to the agreement。

two、Calculation method of finance lease rent

1. Calculation principles：The lessor bases the purchase price of the leased property on，Calculated based on the time the lessee possesses the lessor’s funds.，Rent is calculated based on the interest rate agreed upon by both parties。
2. Calculation method 1) Annuity method (the most common calculation method) Annuity method，It is a rent calculation method based on present value theory.，That is, converting the rent of a leased asset in each future lease period into the present value at a certain interest rate，A method of calculating rent such that the sum of its present values ​​equals the estimated cost of the leased asset。

2) Cost recovery method The cost recovery method refers to the agreement between the leasing parties when signing the lease contract.，The principal is recovered in each period according to certain rules.，Plus the interest receivable is the rent for each period；3) Additional rate method Additional rate method，It refers to a method of calculating rent by adding a specific ratio to the equipment price or estimated cost of the leased asset.。The specific ratio is determined by the operating

cost

and expected profit。Additional interest rate is a method of calculating high rent。

The add-on rate is added to the lease acquisition cost，Attach a specific additional interest rate。Generally, leasing companies do not publish the value of the additional interest rate.，But its value is usually the lessor’s tax rate。4) Irregular rent calculation method, i.e. rent calculation method with a grace period for rent payment，The length of the grace period has an impact on the total rent，The specific calculation formula is to add the interest during the grace period to the estimated cost.，Then use the equal annuity method to calculate the rent for each period。

three、Payment method

1. Monthly payment (the most common payment method)
2. quarterly payment
3. Paid half yearly
4. The annual payment is mainly based on different projects and the corresponding payment method is selected.。

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