Tout sur le fonctionnement du leasing auto

leasing auto

Le leasing auto est une opération de plus en plus plébiscitée en France dans la mesure où il offre une alternative avantageuse pour les petits budgets. Vous désirez tout savoir sur cette opération ? La réponse dans cet article.

Le leasing auto, qu’est-ce que c’est ?

Par définir, le leasing de voiture est une opération qui consiste à louer une voiture plutôt que de l’acheter au comptant. En d’autres termes, c’est donc une location de voiture sur une période de 2 à 5 ans avec la possibilité pour le locataire de racheter le véhicule quand arrive le terme du contrat. Le prix est ainsi fixé à la signature de ce contrat lui-même. Le leasing auto est également appelé location avec option d’achat. Néanmoins, il n’en demeure pas moins un crédit à la consommation et une location de voiture.

Le leasing auto, quel intérêt?

Le leasing auto présente un intérêt majeur dans la mesure où il offre l’opportunité pour les ménages à petits budgets d’acheter la voiture de leur rêve sans pour autant se ruiner. Pour en savoir davantage, n’hésitez pas à consulter le site

Le Leasing auto, comment ça marche ?

Voici le mode de fonctionnement d’un leasing auto.

Deux opérations en jeu

A titre de rappel, le leasing auto est constitué de deux principales étapes notamment la location de voiture sur le long terme d’une part et la possibilité pour l’acquéreur d’acheter ledit véhicule aux termes du contrat de location d’autre part.

Cela se déroule ainsi :

  • Le consommateur commande la voiture qu’il souhaite louer soit à un concessionnaire, soit directement à un constructeur automobile.
  • Un organisme financier va acheter ledit véhicule par un système de partenariat et il va se voir rembourser par les loyers mensuels versés par le locataire. En l’occurrence, c’est avec l’établissement financier que le contrat de location avec option d’achat sera signé et non pas avec le concessionnaire ni le constructeur automobile.

Focus sur la fixation des mensualités

Avant de vous lancer dans un contrat de location de voiture avec l’option d’achat, vous devez au préalable fixer un budget. Ainsi, vous devez vous assurer de pouvoir vous acquitter des mensualités que prévoit le contrat. Mais comment ces mensualités sont-elles fixées ? En effet, le montant des mensualités est déterminé par le prix de la voiture neuve, le nombre de kilomètres autorisés par an et l’apport financier initial. Ce dernier sert souvent à financer le dépôt de garantie à la signature même du contrat. Ce dépôt représente le montant de l’option d’achat. Il ne peut excéder les 15% de la valeur du véhicule neuf.

Faut-il reconnaitre que le montant des loyers n’est pas forcément fixe. Il peut être en effet soit dégressif soit progressif, en fonction de la dépréciation du véhicule en question.

Que se passe-t-il à la fin du contrat de leasing auto ?

Quand le contrat de leasing auto arrive à échéance, deux possibilités s’offrent au particulier (qui est principalement le locataire). Il peut :

  • Soit acheter la voiture qu’il louait jusque-là et en devenir propriétaire : dans ce cas, il verse le montant de l’option d’achat prévu initialement en déduisant le dépôt de garantie déjà versé.
  • Soit restituer le véhicule et éventuellement souscrire à un nouveau contrat de leasing sur une autre voiture. Dans ce cas, le bailleur est tenu de lui restituer le dépôt de garantie.

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