{"id":745,"date":"2021-02-03T09:36:12","date_gmt":"2021-02-03T06:36:12","guid":{"rendered":"https:\/\/www.cursvalutar.ro\/blog\/?p=745"},"modified":"2021-02-03T00:16:26","modified_gmt":"2021-02-02T21:16:26","slug":"leasing-operational-vs-leasing-financiar","status":"publish","type":"post","link":"https:\/\/www.cursvalutar.ro\/blog\/leasing-operational-vs-leasing-financiar\/","title":{"rendered":"Leasing opera\u021bional vs leasing financiar"},"content":{"rendered":"
\"\"
Sursa foto: pexels.com<\/a><\/figcaption><\/figure>\n

Cu siguran\u021b\u0103 fiecare dintre noi \u00ee\u0219i dore\u0219te la un moment dat s\u0103 \u00ee\u0219i achizi\u021bioneze o ma\u0219in\u0103, pentru plec\u0103ri independente \u00een concedii, pentru flexibilitate \u0219i rapiditate spre birou, etc. Dar care sunt modalit\u0103\u021bile prin care ne putem cump\u0103ra o ma\u0219in\u0103? Economisim, muncim mai mult, opt\u0103m pentru un credit, alegem un leasing opera\u021bional sau un leasing financiar, etc.<\/p>\n

Indiferent ce solu\u021bie ni se potrive\u0219te mai mult, important este s\u0103 alegem informa\u021bi. De aceea, \u00een continuare vom aborda subiectul leasing opera\u021bional vs leasing financiar pentru a cunoa\u0219te avantajele \u0219i dezavantajele fiec\u0103ruia.<\/p>\n

Leasing opera\u021bional vs leasing financiar<\/h2>\n

Leasingul este o op\u021biune pentru achizi\u021bionarea unei ma\u0219ini \u00een cazul \u00een care refuzi varianta unui credit auto sau nu vrei s\u0103 \u00ee\u021bi blochezi ni\u0219te fonduri substan\u021biale. Sau poate abia te-ai decis c\u0103 ai nevoie de o ma\u0219in\u0103 \u0219i nu vrei s\u0103 a\u0219tep\u021bi at\u00e2t de mult timp p\u00e2n\u0103 reu\u0219e\u0219ti s\u0103 str\u00e2ngi suma necesar\u0103.<\/p>\n

O prim\u0103 diferen\u021ba dintre leasingul opera\u021bional \u0219i leasingul financiar este c\u0103 dup\u0103 perioada contractual\u0103, \u00een cazul leasingului opera\u021bional ma\u0219ina este returnat\u0103, \u00ee6n timp ce \u00een cazul leasingului financiar ma\u0219ina \u00ee\u021bi r\u0103m\u00e2ne \u021bie. Practic este o chirie pentru utilizarea \u0219i uzura ma\u0219inii pe care tu o pl\u0103te\u0219ti pe durata contractului, \u00een timp ce leasingului financiar reprezint\u0103 o rat\u0103 pe o perioad\u0103 mai lung\u0103 de timp.<\/p>\n

O alt\u0103 diferen\u021b\u0103 o face responsabilitatea fa\u021b\u0103 de toate sarcinile pe care le implic\u0103 ma\u0219ina. \u00cen cazul leasingului opera\u021bional asigurarea, service-ul, taxele, etc toate intr\u0103 \u00een grija companiei. Pe c\u00e2nd \u00een cazul leasingului financiar e\u0219ti responsabil \u00een \u00eentregime de managementul ma\u0219inii: verific\u0103ri, repara\u021bii, pl\u0103\u021bi, etc, risc\u00e2nd s\u0103 fii pieton \u00een perioada de service. O men\u021biune important\u0103 este faptul c\u0103 leasingul opera\u021bional \u00ee\u021bi ofer\u0103 o ma\u0219in\u0103 la dispozi\u021bie pentru a te folosi de ea \u00een perioada \u00een care cea luat\u0103 contractual se afl\u0103 la reparat. Acela\u0219i principiu se aplic\u0103 \u0219i dac\u0103 e\u0219ti implicat \u00eentr-un accident. Leasingul financiar te face proprietar al ma\u0219inii \u0219i implicit pieton atunci c\u00e2nd ma\u0219ina trebuie s\u0103 stea \u00een service.<\/p>\n

Continu\u00e2nd, diferen\u021bierea dintre cele dou\u0103 tipuri de leasing const\u0103 \u0219i \u00een avansul necesar dac\u0103 optezi pentru leasing financiar. A\u0219a c\u0103 dac\u0103 nu ai ni\u0219te economii \u00eentr-un depozit bancar, este cam greu s\u0103 optezi pentru el, \u00een timp ce leasingul opera\u021bional nu condi\u021bioneaz\u0103 nicio sum\u0103 pl\u0103tit\u0103 \u00een avans.<\/p>\n

Dac\u0103 vrei s\u0103 de\u021bii o ma\u0219in\u0103, f\u0103r\u0103 s\u0103 te \u00eengrijorezi prea mult cu ac\u021biunile responsabile pe care le implic\u0103, \u0219i eventual s\u0103 o schimbi o dat\u0103 la ceva vreme, varianta potrivit\u0103 este leasingul opera\u021bional. \u00cen locul t\u0103u se ocup\u0103 compania de leasing de tot ce implic\u0103 folosirea ei (acte, program\u0103ri service, schimbat anvelope, repara\u021bii necesare, taxe \u0219i impozite, etc) av\u00e2nd la dispozi\u021bie alt\u0103 ma\u0219in\u0103 dac\u0103 este nevoie. Leasingul opera\u021bional te scute\u0219te \u0219i de procesul de v\u00e2nzare dac\u0103 vrei s\u0103 \u00ee\u021bi schimbi ma\u0219ina, pentru c\u0103 la sf\u00e2r\u0219itul perioadei contractuale o predai \u0219i este treaba companiei de leasing mai departe. \u00cen schimb, dac\u0103 vrei s\u0103 vinzi la un moment dat ma\u0219ina achizi\u021bionat\u0103 prin leasing financiar va trebui s\u0103 te ocupi tu singur de acest lucru \u0219i s\u0103 \u00ee\u021bi asumi valoarea acesteia pe pia\u021b\u0103.<\/p>\n

Decizia de a alege \u00eentre leasing opera\u021bional \u0219i leasing financiar este una relativ\u0103, deoarece depinde de bugetul t\u0103u, de comoditatea ta pe termen lung, de ma\u0219ina pe care vrei s\u0103 o achizi\u021bionezi, etc. dac\u0103 ai o afacere \u0219i te intereseaz\u0103 s\u0103 optezi pentru o variant\u0103 de leasing, atunci clar cel opera\u021bional te scap\u0103 de prea mult stres pe termen lung.<\/p>\n

Cel mai bine este s\u0103 studiezi toate variantele din pia\u021b\u0103, s\u0103 \u00ee\u021bi cuno\u0219ti foarte bine bugetul \u0219i interesul pe termen lung \u00een ceea ce prive\u0219te o ma\u0219in\u0103. E bine s\u0103 \u0219tii \u0219i ce tip de cheltuitor e\u0219ti, deoarece achizi\u021bionarea unei ma\u0219ini \u00een rate, pe termen lung, depinde \u0219i de cum reu\u0219e\u0219ti s\u0103 \u00ee\u021bi prioritizezi finan\u021bele.<\/p>\n","protected":false},"excerpt":{"rendered":"

Afl\u0103 ce leasing \u021bi se potrive\u0219te: opera\u021bional sau financiar. Afl\u0103 care sunt diferen\u021bele dintre cele dou\u0103 tipuri de leasing, care sunt avantajele pe care fiecare le ofer\u0103 \u0219i cum po\u021bi sc\u0103pa de grijile de \u00eentre\u021binere pe termen lung.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-745","post","type-post","status-publish","format-standard","hentry","category-educatie-financiara"],"yoast_head":"\nLeasing opera\u021bional vs leasing financiar - Blog CursValutar.ro<\/title>\n<meta name=\"description\" content=\"Intr\u0103 pe cursvalutar.ro \u0219i afl\u0103 tot ce ai nevoie s\u0103 \u0219tii despre leasingul opera\u021bional \u0219i cel financiar: deosebiri \u0219i avantaje pentru viitoarea ta ma\u0219in\u0103.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cursvalutar.ro\/blog\/leasing-operational-vs-leasing-financiar\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Leasing opera\u021bional vs leasing financiar - 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