Leasing rodzinnego auta, a sezonowe dochody

Leasing rodzinnego auta, a sezonowe dochody

Nasz Klient

Nasz Klient, przedsiębiorca z pięknej i popularnej turystycznie miejscowości na Kaszubach prowadzi sklep i restaurację. Sklep przynosi dochody cały rok. Jednak restauracja jest oblegana przede wszystkim w okresie wiosenno-letnim. W miesiącach zimowych nie zasila domowego budżetu. Prowadzona działalność generuje sezonowe dochody.

Problem – sezonowe dochody

Sezonowe dochody mogą powodować perturbacje w realizowaniu wszystkich zobowiązań. Kredyt  na zakup lub leasing auta zazwyczaj wiąże się ze stałym, comiesięcznym obciążeniem. Dotyczy to również okresu zmniejszonych dochodów, w przypadku naszego Klienta, miesięcy zimowych. Realizacja zobowiązań wymaga dokładnego planowania wydatków i zarządzania budżetem na przestrzeni całego roku. Często również oznacza to wahania poziomu życia. Dodatkowo Klient chciał skorzystać z promocji w salonach samochodowych na przełomie roku, czyli właśnie w miesiącach zimowych. Czy bank lub firma leasingowa zrozumie brak możliwości wykazania dobrych bieżących wyników? Czy instytucja finansowa uwierzy, że to stała tendencja, i że z przyjsciem wiosny dochody zaczną ponownie rosnąć?

Rozwiązanie

Idealnym rozwiązaniem na zakup rodzinnego VAN`a okazał się leasing samochodu z harmonogramem sezonowym. Jeden wieczór poświęcony na wspólne ustalenie wysokości rat letnich i optymalnych rat dla okresu zimowego zapewnił rodzinie komfortowe auto. Biznes Klienta uzyskał dodatkową przestrzeń ładunkową dla zaopatrzenia gastronomii w produkty. Przy okazji rodzina zrealizowała kolejne marzenie o podniesieniu komfortu podróżowania w trakcie rodzinnych wycieczek.

Leasing z sezonowym harmonogramem nie jest standardowym finansowaniem i wymaga od doradców doświadczenia, a często dobrej znajomości instytucji finansującej. Wymaga to również zaangażowania i wiedzy, gdzie realnie można taką usługę znaleźć. Instytucje finansowe często w celach marketingowych publikują informacje o pewnych możliwościach. Jednak niestandardowe usługi są często niedostępne dla Klienta, który nie jest w stanie sprostać wymaganiom.

Doradcy Ocean Finance mają wieloletnie doświadczenie w realizacji potrzeb finansowych naszych Klientów. Dobrze znamy zmieniające się środowisko instytucji finansowych, na bieżąco śledzimy nowe możliwości całego rynku. Zapraszamy do współpracy!

Zobacz inne nasze artykuły o leasingu >>>

Zobacz inne historie naszych Klientów >>>

 

admin

Written by

People ask me all the time on one, universal solution for all types of property and business, in regard to a price hike. My answer always is: show better earnings. Especially after the Great Recession, buyers became quite skeptical about companies showing weak earnings. So, if your strategy has been to suppress the earnings in order to save on taxes, an exit strategy may suggest you start reporting improved earnings.

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