Financing of the basic means , such as acquisition by instalments or rent (financial leasing), is used for financing of the basic means which remain actually in the property of the creditor, the debt will not be paid yet. Usually in this case the interest rate above and terms of payments is shorter, than at the bank loan, but the basic advantage - distribution of payments to certain extra term.

Additional and very important advantage of financing of the basic means consists that such financing can be received from several separate sources that reduces the risk connected with dependence only from one creditor. At crash of the enterprise creditors will save the money, having restored possession of the given basic means. The own companies which specialise on such type of financing have the majority of banks. There are also many independent financial companies.

Decisions on granting of financing of the basic means are based on following factors:

Financing of a part of total cost of the basic means as in certain cases the creditor demands that the borrower has brought any part of cost on the deposit;

Costs of resale of the basic means which is necessary for the creditor, if it, having restored possession of this basic means, will want to resell to its other buyer;

Useful service life of the basic means which defines payment term, and residual cost of the basic means by the end of term of the contract.

The Most known example of financing of the basic means - acquisition by instalments . The buyer should put on the deposit the deposit over 10% from purchase cost, and the rest plus percent are paid monthly in the stipulated term. Acquisition by instalments is the accessible form of financial assets for the new enterprises whereas the creditor receives the certain sum on the deposit. Possession of the basic means is not passed the buyer, last payment though cost of this basic means in the balance report increases in process of accumulation of payments will not be made yet.

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