Questions fréquentes

Classic leasing

Is there a limit on the amount?

Minimum amount: 10,000,000 MGA excl. tax;

Maximum amount: Depending on the customer’s ability to repay

What types of equipment can I lease?

The BNI lease concerns movable assets.

What is the term of a lease?

A leasing agreement can last from 12 to 60 months.

What is Leasing

Conventional leasing is a lease on an asset with an opportunity to become the owner at the end of the agreement by taking up the purchase option

How are rents collected?

Monthly/Quarterly/Half-yearly

Lease-Back

What is the contract irrevocability period?

Half the term of the contract

What are the guarantees and undertakings required for a lease-back?

Compulsory all risk insurance of the equipment (May be included in the rent); Obligation on the part of the loan taker to upkeep and maintain the equipment

What is a lease-back?

Lease-Back is an operation that enables a business possessing an asset to transfer it to the BNI and then rent it back under a leasing agreement

Is it possible to make a prepayment?

Yes, with a 3% commission on the outstanding principal

Can used equipment be leased back?

Yes.

Backed leasing

Who can be a sub-tenant in a backed lease?

Any natural or legal person with a BNI account.

What is Employer-backed leasing?

This leasing enables a wage-earner to rent equipment under a lease with the option of becoming the owner at the end of the agreement.

Qu’est-ce qu’un Leasing adossé Fournisseur?

Le leasing permet de vendre au comptant son matériel et de le reprendre dans le cadre d’une opération de leasing en vue de le sous-louer à son client (sous locataire) avec possibilité de devenir propriétaire.

What is backed leasing?

Backed leasing is an agreement whereby BNI leases an asset to a loan taker, who in turn leases it to another person (sub-tenant).

Do the lease and the sublease contracts always have to be for the same length of time?

The lease is not necessarily the same length as the subletting agreement.