OREANDA-NEWS. In terms of falling car market, the expected rise in prices for cars and reduction of the volume of car loans, the good alternative way of purchase of the car can be the leasing for individuals. This opinion was expressed by Vice-President of "Europlan", Alexander Mikhailov, within the multimedia press conference "Car loans and car leasing in 2014-2015: how not to lose for customers because of rising prices and interest rates", organized by the universal financial company "Europlan" together with the analytical agency "AUTOSTAT".

"In recent years, along with the direct purchases that dominated in our country, the increasing role is played by other ways of financing of the purchase of car, especially when it comes about the replacing of budget car model to a higher class", - AutoMarketolog.ru cited Mr.Mikhailov.

According to him, in 2013 the number of sold cars fell by 7% (results of 2014 has not announced yet). However, in monetary terms, they were sold for 2.351 trillion rubles, which is more by 0.4% than in 2012. "It's a lot of money. Important point here is that more and more cars are purchased of high-end class, and it requires favorable financing sources", - said Mr.Mikhailov.

He recalled that of in 2009 the share of leasing in total car sales was about 3%, and then in 2013 it rose to 5.2%. "This is a significant growth. So, it is clearly a need for buyers in an alternative method of financing”, - said the vice president.

Mr.Mikhailov cited the example of a potential buyer with an average salary of 73 thousand Rubles, who want to buy a crossover with a value of 2.247 million Rubles.

"If we assume that the monthly payment on a three-year car loan will be about 70 thousand rubles, and the normal credit load on the family budget should not exceed 50% of total revenue, then we clearly do not fit the desired threshold. However, in the case of leasing for individuals with the option of a refund or redemption, the monthly payment would be about a little more than 35 thousand rubles. The same difference is also in the case of cheaper cars. We are trying to show that such an alternative product as a car lease in the period of rising prices on the cars will be interesting particularly”, - he said.

Among other advantages of leasing for individuals Mr.Mikhailov noted the absence of problems with the change to a new car and losses on the sale of the old car.