Shenzhen:Parallel imported cars can also be financed and leased

Parallel imported cars are selling well in Qianhai Shekou Free Trade Zone，However, the price of one million also prohibits many people.。Reporters in recent interviews found that，Qianhai Financial Leasing Company，Try to carry out financial leasing business using parallel imported cars as the subject matter，Customers are mainly small and medium-sized enterprises，Ordinary citizens can also apply to purchase according to conditions。Compared with bank loan to buy a car，Customers not only reduce actual net spending，The form of installment payment can also effectively improve the efficiency of capital circulation.。

at present，Financial leasing has become credit、fund、securities、The fifth largest financing tool besides trusts。The financial leasing industry is one of the key industries in Qianhai.，More than 95% of financial leasing companies in Shenzhen have settled in Qianhai。Reporter learned，Qianhai will add a series of preferential policies and measures in the future，To promote the development of the financial leasing industry。

Parallel imported cars’ “rent-to-purchase” model attracted market attention yesterday，In the store of Qianhai Taifeng Financial Leasing Co., Ltd.，Five parallel imported cars lined up。One of the Land Rover Range Rover Sport and a Land Rover Discovery 4 has been labeled "Prestigious Cars with Owners"，Store staff told reporters，These two vehicles were sold in the form of financial leasing in recent days.，Follow-up procedures are in progress，There are hundreds of people coming to consult about specific business every day.。

So-called car finance leasing，Generally speaking, it is a "rent-to-buy" model.，The leasing company purchases designated vehicles for customers，and sign a vehicle rental contract，The customer obtains the right to use the vehicle during the lease period，and pay rent to the leasing company as agreed，During this period, the vehicle is registered under the name of the leasing company，The property is owned by the leasing company，After the lease term expires and the rent is paid off, the vehicle can be transferred，The customer obtains the title to the vehicle。

“Currently, an average of about 15 orders are transacted every month.，Shenzhen、Small and medium-sized business owners in Chaoshan are particularly optimistic about，They pay great attention to the effective use of funds。

" said Huang Rong, managing director of Taifeng Leasing，For small and medium enterprises，On the one hand, car financing leasing can avoid investing a large amount of funds in purchasing consumer goods.、Highly depreciated means of transportation，Funds can be used to pursue higher-yield ventures，on the other hand，According to relevant policies，Rental tickets can be used to deduct corporate value-added tax，at the same time，due to leasing，Vehicles do not need to be included in fixed asset depreciation，thereby reducing the asset-liability ratio，Conducive to increasing corporate financing opportunities。

The actual expenditure can be reduced by up to 9% compared to a bank mortgage. It is also the same as buying a luxury car.，How can financing lease purchases of parallel imported cars reduce customers’ actual expenses? Take a Mercedes-Benz GL350 with a price of about 1 million yuan as an example.，If buying with cash，plus purchase tax、Insurance、Licensing fee, etc.，The total cost is 1.14 million yuan。

If you apply for a mortgage through a bank，Down payment 300,000 yuan，plus purchase tax、Insurance、Registration fee, etc. 140,000，The remaining 700,000 yuan is mortgaged for two years，Add up principal and interest

1. 6million yuan，total expenditure cost
2. 6million yuan。And buying a car worth 1 million through financial leasing，2annual repayment，principal、interest plus others

cost

，The total expenditure required is 1.267 million yuan。

Including body price、Interest、purchase tax、Insurance、Listing fee and all

cost

，Can issue a 17% VAT invoice，In this case, a VAT invoice can be issued

1. 4Ten thousand，All company VAT can be deducted。After calculation, you only need to pay
2. 3million yuan，5% less than buying with cash，9% less than bank mortgage。

Huang Rong told reporters，Car financing leasing can choose a zero down payment plan，Lease terms can also be chosen ranging from 1 to 3 years，To ease users’ payment pressure，at the same time，Vehicle registration、Tax payment、Vehicle inspection and other procedures can be handled by the leasing company。During or after contract expiry，If the customer wishes to exchange for a new car，Subletting is also possible、Various options such as renting out and so on。

For those who can apply for car financing leasing，Huang Rong said he has certain qualifications

Require

，For example, the enterprise needs to be established and actually operated for more than one year.，Good credit history，Basic information such as business license is required.，and financial statements、Fixed assets detailed list, etc.，To show that the company’s revenue and profits can cover the rent payment。Individual customers may need corporate guarantees based on circumstances.。

The subject matter of Qianhai financial leasing can be more extensive. "The characteristics of the car itself are risk diversification."、Good liquidity、Features of strong value preservation，Suitable for financial leasing。"Huang Rong told reporters，in the international market，Cars and planes、ship、Construction machinery is equivalent to the mainstream product of financial leasing。

As for Qianhai，There are also many assets or industries that can be used as the subject matter of financial leasing.，For example, mahogany furniture has a higher value retention than cars.、paintings etc.，There are already financial leasing companies trying to enter the financial leasing industry in the cultural field.。As of the end of April，Among financial and quasi-financial companies registered in Qianhai，There are 324 financial leasing companies，Accounting for 95% of Shenzhen，13% of the country，and maintained the fastest growth rate in the country。

The relevant person in charge of Qianhai Administration Bureau said，Policies of Qianhai Financial Leasing Enterprises

Advantages

Mainly reflected in cross-border RMB loan business，and will become an important development indicator in the future。Cross-border RMB loans enable enterprises in the region to obtain funds from the Hong Kong offshore market at lower interest rates than the onshore market，It is beneficial to reduce the risk of Qianhai. For details, please consult Shenzhen Port Information Communication-。

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