Mexique
CIT Latin America, Mexico, designs customer financing programs for equipment suppliers in a wide range of industries. Nous travaillons avec nos clients et nos fournisseurs pour obtenir les meilleurs solutions adaptées à leurs besoins particuliers.
Nos deux produits principaux sont la location réelle et la location financière.
Location-exploitation
The operating lease allows the customer the "use" of the equipment during a determined period, without having the obligation to purchase it, making the process of technological refreshment easier. Under this figure, the customer transfers 100% of the risk of technological obsolescence and all the costs of this process to CIT. À la fin de la location, le client dispose de trois alternatives:
- return the equipment and make a technological refresh,
- renew the contract over the same equipment for the term of their convenience (payments in most cases reduce depending on the term of the renewal), or
- buy the equipment for the Fair market value.
La location-exploitation est proposée par l'intermédiaire de Arrendadora Capita Corporation, S.A. de C.V., depuis 1994.
Contrat de location-acquisition
A Finance Lease is a contract in which a financial company gives to the customer the right to rent equipment, with the terms and conditions defined for both parts. The customer could buy the equipment using a purchase option, as defined in the contract.
The main difference between a Finance Lease and Operating Lease is that the Finance Lease has a defined purchase option in the contract that is usually 1 percent. The Operating Lease allows the customer to buy the equipment, but the purchase option will be defined at Fair Market Value at the end of lease. The law does not allow in an Operating Lease to determine the purchase option at the beginning of the lease.
Il y a également des différences dans le montant des taxes entre la location-acquisition et le contrat de financement-acquisition. In general terms, in Operating Leases, the full amount of rentals is tax deductible. Dans le contrat de location-acquisition, ce n'est pas toujours le cas. If you need further information about tax-related issues, please contact us.
Les contrats de location-acquisition sont proposés par CIT par l'intermédiaire de The Capita Corporation de Mexico S.A. DE C.V. O.A.C., depuis 1995.
