::: LEASING FROM US – SAMPLE REPAYMENT SCHEDULE :::

IBT Leasing proposes a lease offer, which contains the following important information: lease price, down payment and monthly installments, leasing period.

The repayment schedule contains the amounts of monthly installments and dates when they are due. The lessee’s financial obligations are shown in details: down payment, installments and fee, and the corresponding residual value.

For illustration, we present you a sample lease offer with a hypothetical purchase price, where you can see the way calculations are done and installments are distributed throughout a period of 12 months.

Purchase price: 1 000,00
Leasing price: 1 095,00
Annual appreciation: 9,50%
Residual value: 10,00
Term of the contract: 12

TOTAL INITIAL PAYMENT

Down payment (in percents): 30%
Down payment amount: 300,00
Service price: 10,95
Monthly installment: 65,42
 

376,4


Date of payment Amount VAT TOTAL
2 31.1.2001 54,51 10,90 65,42
3 02.3.2001 54,51 10,90 65,42
4 02.4.2001 54,51 10,90 65,42
5 02.5.2001 54,51 10,90 65,42
6 02.6.2001 54,51 10,90 65,42
7 02.7.2001 54,51 10,90 65,42
8 02.8.2001 54,51 10,90 65,42
9 02.9.2001 54,51 10,90 65,42
10 02.10.2001 54,51 10,90 65,42
11 02.11.2001 54,51 10,90 65,42
12 02.12.2001 54,51 10,90 65,42
Residual value: 02.1.2002 8,33 1,67 10,00
TOTAL 607,99 121,60 729,58
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