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What are leasing and leasing as an option?
Long-term rental
As stated in the preamble, long-term leasing (LLD) is enjoying boomparticularly for electric vehicles, attracting a growing number of private and business customers.
What sets the long-term leasing scheme apart is the way it works: a 1 to 5-year rental contract with a including services such as such as :
- l'interview,
- andassistance.
At the end of the contract, the vehicle is returned to the lessorwith the possibility of purchase under certain conditions.
This type of financing offers a number of advantages, including :
- budget control,
- the possibility of regularly changing vehicles,
- and the opportunity to test a model before buying it.
Naturally, the cost of a leasing contract depends on several factorsincluding :
- mileage,
- of the vehicle price,
- services included,
- and contract duration.
For professionals and private individuals alike, long-term leasing is a flexible option adapted to different needs, and it is also eligible for government aid, such as the ecological bonus and the conversion bonusmaking the purchase of an electric vehicle even more affordable.
However, although it is possible to terminate a long-term leasing contract, this may incur penalties. penaltiesbut alternatives such as lease transfer or early early return are available.
In short, long-term leasing is an advantageous financing solution for those wishing to access electric mobility while retaining a certain degree of flexibility. flexibility.
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At the end of a leasing contract, vehicle the return of the vehicle is commonbut an extension is possible for those who wish to keep their vehicle for longer. This option differs from contract renewalwhich usually involves a new vehicle.
To extend a contract, certain conditions must be met, including :
- compliance with set mileage,
- and a maximum term of 60 months.
If these conditions are met, the cost of rental remains unchanged. It is advisable to3 to 4 months before the end of the contract..
If an extension is not possible, there are 2 alternatives:
- return the vehicle,
- or opt for a medium-term lease (LMD).
Indeed, the LMD is a type of leasing that is more flexible over time and allows motorists to lease an electric vehicle quickly, while waiting for the delivery of a new model.
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For professionals, theamortization of an electric vehicle is an essential accounting process for companies that capitalize these vehicles on their balance sheet.
The vehicle depreciationdue to wear and tearThe depreciation of vehicles, due to wear and tear, allows the deduction of depreciation subject to ceilings based on CO2 emissions.
The vehicles exceeding 155 g/km of CO2 have a threshold of €9,900while more environmentally-friendly vehicles benefit from higher ceilings, reaching 30,000€ for vehicles emitting less than 20g/km.
To calculate non-deductible depreciation (AND), the difference between the financial value of the vehicle and the depreciation ceiling is divided by the depreciation period (generally 4 or 5 years) at a rate of rate of 20% or 25% per annum.
In this way reclaim VAT on leases for commercial vehicles commercial vehicles at business leasingbut not on passenger cars, except for fuel, where recovery is partial. partial recovery.
Citroën ë-Berlingo Van 50 kWh
Purchase price €0
(list price excluding bonus)
Operational leasing for professionals from €599 / month
- Range (WLTP): 275 km
- Acceleration (0 to 100 km/h): 9.7 sec
- Fast charge (from 20% to 80%): 26 min.
Citroën ë-Berlingo 50 kWh
Purchase price €36,750
(list price excluding bonus)
Low-cost leasing for professionals from €365 / month
- Range (WLTP): 284 km
- Acceleration (0 to 100 km/h): 11.7 sec
- Fast charge (from 20% to 80%): 26 min.
Fiat E-Ducato 47 kWh
Low-cost leasing for professionals from €699 / month
- Range (WLTP): 170 km
- Acceleration (0 to 100 km/h): 10 sec.
- Fast charge (from 20% to 80%): 30 min.
Mercedes EQV 300
Purchase price €83,934
(list price excluding bonus)
Leasing with no down payment for professionals from €858 / month
- Range (WLTP): 353 km
- Acceleration (0 to 100 km/h): 12.1 sec
- Fast charge (from 20% to 80%): 41 min.
From a tax point of view, electric vehicles benefit from a number of advantages, includingexemption from the tax on the allocation of passenger vehiclesthe conversion bonus and more, which will be explained throughout this article.
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As previously stated, adopting leasing for electric vehicles offers a number of advantages for companies, particularly in response to the LOM law which encourages companies to renew their fleets with electric vehicles.
On this subject : Ecological transition: 60% of the 3,447 French companies concerned do not comply with the LOM law
This transition, supported by tax benefits such as thebenefit in kindbenefits preserve cash flow while benefiting from modern vehicles adapted to the company's needs.
What's more does not affect the company's balance sheetbalance sheet, as leases are considered deductible deductible expenses rather than investments. This means you can keep your debt capacity intact for other projects.
To optimize fleet management, companies companies need to monitor their TCO (Total Cost of Ownership), including aspects such as :
- maintenance costs,
- choice of vehicles,
- and eco-driving training to reduce energy costs.
Companies can also benefit from other forms of financial assistance for the purchase of electric vehicles, such as those described above, as well as zero-interest loansmaking leasing even more attractive.
In addition to this, long-term leasing avoids additional expenses related to :
- resale costs,
- vehicle depreciation,
- and company car taxes.
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Make your energy transition now, with several new 100% electric vehicles available for leasing from Beev!
Lease to own
The LOA, on the other hand, allows you to lease an electric vehicle, with the possibility of buying it at the end of the contractwhich generally lasts 2 to 5 years. This option is available to both individuals and companies, but terms and conditions vary according to your profile. vary according to profile.
LOA costs depend on a number of factors, including :
- the price of the vehicle,
- the rental period,
- and expected mileage.
To subscribe to a LOA, different documents are required depending on whether you are an individual or a company, guaranteeing your ability to meet monthly payments. The leasing process begins with vehicle selection, followed by submission of an online form. The experts at Beev can guide you through the entire process.
LOA offers a number of advantages, including :
- allows you to pay only for the use of the vehicle,
- the possibility of regularly changing vehicles,
- or to test an electric vehicle before buying it,
As with other rental formulas, financial assistance financial assistance such as the ecological bonus, the conversion premium and a zero-rate loan are also available to reduce leasing costs.
It is possible possible to terminate an LOA contract before its termbut this will incur compensation. Alternatives exist to avoid these costs, such asearly purchase of the vehicle or transferring the contract to a third party.
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As you can see, the LOA is a financing method that allows you to smooth out the purchase cost over several years with the option of possibility of buying back the vehicle at the end of the contract or returning it..
The LOA offers a certain flexibility, particularly for :
- the companies
- seeking to preserve their cash flow,
- or for private customers
- wishing to drive a new vehicle without incurring heavy debt.
However, the residual value of the vehicle is a key element to consider. It determines the amount to be paid if you decide to buy back the car at the end of the contract.. However, it is difficult to assess the value of electric vehicles due to their poor track record on the used market, government subsidies on new vehicles, and the rapid evolution of their technology.
Whether it's better to buy back the vehicle at the end of the contract depends on a number of factors, including the potential resale value in relation to the purchase option. If the resale price is higherthen buyback can be advantageous. On the other hand, if the vehicle has been driven more kilometers than expected, or is damaged, it may be preferable to buy it back to avoid penalties or reconditioning costs. to avoid penalties or reconditioning costs..
In other words, it is essential to fully understand the terms of the LOA contract, including :
- initial costs,
- mileage limits,
- and maintenance responsibilities.
A careful analysis of bids, including a simulation of total costs over the life of the contract, will help you avoid common pitfalls.
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The advantages of buying an electric car
The advantages of going electric via leasing include several financial aids to facilitate this ecological transition.
First, we have the ecological bonusis a public incentive designed to encourage the purchase and use of vehicles with low CO2 emissions.
As a reminder, this measure, which is part of France's strategy for 2030, aims to promote a national electric vehicle industryby supporting the production of 2 million vehicles in France by that date.
The amount of the bonus depends on the vehicle type and taxable incomewith specific specific ceilings for individuals. However, this aid has not been available to professionals since February 2024.
Secondly, we have the conversion bonuswhich complements the ecological bonus and provides financial support for the purchase or leasing of ecological vehicles, whether new or used. This aid can amount to several thousand euros, depending on the type of vehicle and the profile of the purchaser, whether private or professional.
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In addition, various regional grants in France to reduce the cost of eco-friendly cars.
In fact, each region offers specific subsidies to encourage the adoption of less polluting vehicles.
In Île-de-Franceregional assistance targets :
- the small businesses,
- visit municipalities with fewer than 10,000 inhabitants,
- and private individuals living in the inner suburbs.
The amount of assistance varies according to income, reaching up to 9,000 for the most modest. Assistance can also be granted for retrofitting combustion engine vehicles to electric vehicles, with a subsidy of up to 3 000 €.
The Greater Paris Metropolis also offers "Métropole Roule Propre" assistance, up to €6,000for the purchase of an electric vehicle, which can be combined with the ecological bonus and the conversion bonus.
In Occitanie, l'eco-cheque mobility up to €2,000 for the purchase or lease of an electric vehicle, in addition to other subsidies such as the conversion premium. This assistance is particularly advantageous for non-taxable households.
Other local initiatives include Drancywhere residents can receive 1,500 towards the purchase of an electric car. Finally, in the Arve Valleysmall businesses can benefit from grants of up to up to €5,000 for the purchase of clean vehicles.
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In addition to these financial benefits, leasing an electric car offers a number of other advantages economic and tax advantagesmaking it an attractive option attractive choice for companies and individuals alike..
Long-term savings come mainly from lower energy costsas electricity is cheaper than fuel.
💡Did you know ? A UFC-Que Choisir study in 2021 revealed that an electric car can save up to €1,750 over four years compared with a petrol model.
What's more, electric vehicles benefit from tax advantages such asexemption from the Taxe sur les Véhicules de Société (TVS), reducing the overall cost of leasing.
In terms of maintenance, electric cars, with their reduced reduced number of moving parts than gasoline-powered vehicles, require fewer repairs, reducing maintenance costs. Most leasing contracts also include maintenance, guaranteeing peace of mind throughout the lease period.
What's more, on-board on-board diagnostic systems in electric vehicles help detect problems before they cause before they cause breakdowns, further minimizing unforeseen costs.
Leasing also offers the flexibility of regularly changing vehicles at the end of each contract, a convenience that traditional purchasing doesn't provide without the hassle of resale.
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In fact, the electric car is distinguished by :
- its dynamism,
- driving comfort,
- and noise reduction.
All in all, this makes it an ideal ideal choice for daily commutingespecially in urban environments. In addition to offering a pleasant driving experience, it helps to reduce stress and the risk of accidentswhile reflecting a responsible image of an environmentally responsible company..
Last but not leastrange of electric vehicles has improved significantlyto meet the needs of business travelers. Recharging, once a hindrance, is becoming faster and more accessible thanks to cutting-edge technologies, making the use of electric cars increasingly practical.increasingly practical for business users. for professionals.
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As previously stated, the electrification of the company car fleet is a topical issue, particularly as far as benefits in kind are concerned. benefits in kind related to electric vehicles.
This scheme enables companies to provide company vehicles that can be used for both business and personal purposes. But that's not all: electric vehicles also benefit from tax treatment to encourage companies to adopt more environmentally-friendly solutions. For example, electricity electricity costs for recharging are not included in the calculation of the benefit in kindand a and a 50% allowance is applied to vehicle-related expensesup to a maximum of €1,800 per year.
The order of December 26, 2022 introduces an additional distinction concerning charging stations installed on or off the workplace, modifying the methods for calculating the benefit in kind.
In addition, the benefit in kind for company electric vehicles is calculated differently depending on whether the company has purchased or leased the vehicle.
- For a vehicle purchased :
- The benefit corresponds to a percentage of the purchase cost.
- For a leased vehicle :
- The benefit corresponds to 30% of the annual rental cost.
In both casesinsurance and maintenance are also taken into account.
In short, for employees, the acquisition of a company electric vehicle entitles them to a deduction on recharging costs, reducing their tax rate.
For companies, offering a company electric vehicle not only makes it possible to lower social security charges, thanks to a revised salary that takes taking into account the benefit in kind, but also supports their support their social responsibility policy and meet decarbonization objectives.
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End of your leasing contract: what you need to know
When returning an electric vehicle at the end of a leasing contract, it is important to know that the car that the car must be in a good state of repair and maintenance to avoid financial penalties. In addition, you must respect contract deadlines and and planning restitution are essential to avoid complications.
At the end of the contract, there are several options available to tenants: the buy-backbuyout renewal or returning the car. Naturally, the choice will depend on your financial situation and specific needs.
On the one hand, a buy-back can be advantageous if the vehicle is in good condition and the buy-back offer is competitive.. On the other hand selling the vehicle to a private individual is potentially more lucrative than returning it to the lessoralthough there are risks associated with this option.
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The returning the vehicle at the end of the leaseThe return of a vehicle at the end of a lease, whether long-term or leased, requires special attention.
A thorough inventory is carried out, including inspection of the bodywork, mileage and maintenance documents. Any abnormal damage or excess mileage may result in additional additional charges.
To prepare for the return, we recommend :
- from respect mileage limits,
- from ensure that the vehicle is in good condition,
- and provide all necessary documents.
In the event of early return, it is possible to transfer the contract to another lessee to avoid penalties. penalties.
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It's also worth noting that it's possible to cancel a leasing contract.
Indeed, if the lessee finds himself in a situation where he can no longer meet his monthly payments, such as a change in personal or professional circumstances, the leasing transfer helps to minimize financial losses. Otherwise, early return of the vehicle may entail substantial penalties.
For a LOA contract, the situation more complex and costly. Although this type of contract offers the possibility of purchasing the vehicle at the end of the lease, the options for early termination are limited and often disadvantageous. options for early termination are limited and often disadvantageous.s. Early return of the vehicle, early purchase or resale after exercising the purchase option are possible, but usually involve high costs.
Nevertheless, a leasing transfer can be an alternative to alleviate this problem. It enables allows you to terminate a vehicle leasing contract early by transferring the contract to a new lesseewho takes over the same financial conditions.
This solution is often more advantageous and therefore more economical than other forms of early termination.
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Leasing contract: Beev's advice
Choosing a leasing company for your electric car is a strategic decision that requires several criteria to be taken into account.
The first is the range of vehicles available: it's essential that the company offers the model that's right for you. Beev, for example, offers a wide choice to suit different needs.
Secondly, the must be clear and transparent, specifyingspecifying :
- duration,
- authorized mileage,
- and termination terms.
What's more, ease of ease of cancellation is a fundamental aspectparticularly in the event of a change in personal or professional circumstances.
The reputation is also a determining factor. A reliable company is distinguished by the quality of its customer service, price transparency and positive customer reviews. Online reviews, for example, can help you assess this reliability.
In which case, the wrong choice of company can lead to :
- unforeseen costs,
- poor customer service,
- and mechanical problems.
To avoid these pitfalls, it is advisable to compare offers, read contracts carefully and find out about the experiences of other customers.
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Other advice we can give you: when taking out a leasing contract for a fleet of electric vehicles for business purposes, it's crucial to avoid certain common mistakes.
Firstly, it is essential to compare offers from different providersbecause prices, conditions and services vary considerably. Don't not take your real needs into account is another mistake to avoid. This includes an accurate assessment:
- services included,
- of the annual mileage required,
- and the duration of the contract, which must correspond to your specific needs.
Reading the contract carefully is essential to understand all the terms and conditions, especially those relating to insurance and maintenance, as these elements cannot be modified once the contract has been signed.
If in doubt, consult a leasing professional.
Underestimating underestimating annual mileage can result in costly costly penaltiesbecause any will be billed.. Finally, regularregular vehicle maintenance is essential to avoid repair costs at the end of the contract, as a poorly maintained vehicle can lead to unforeseen costs on return.
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What's better than leasing?
First and foremost, it's worth noting that leasing costs aren't limited to monthly payments alone, whether you're leasing for less or for longer. In fact, a number of additional costs need to be anticipated, including :
- recharging costs,
- vehicle transfer costs,
- all-risk insurance costs,
- as well as disposal costs at the end of the contract.
Although leasing offers a significant advantage to companies wishing to frequently renew their fleet with the latest electric models, certain constraints must be taken into account, such as :
- mileage limits,
- the obligation to take out expensive insurance,
- and the potential cost of restoring the vehicle to its original condition.
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In short, the choice between LOA and LLD depends on the user's profile. For those who drive a lot, the is often more advantageous, thanks to the maintenance included..
On the other hand, for small drivers, the LOA can be more profitableoffering the possibility of buy back a little-used vehicle at a good price.
Finally, it is important to note that leasing, while offering tax advantages and access to the ecological bonus, may limit access to certain regional grants, which are only available on cash purchase..
In other words, the choice between LOA and LLD depends on your needs in terms of mileage, financial flexibility and preference for vehicle ownership.
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Conclusion
In conclusion, choosing between long-term leasing (LLD) and leasing with purchase option (LOA) depends on your priorities and your situation.
For professional professionalslong-term leasing is a flexible flexible option and option for managing a fleet without the hassle of ownership..
As for individualsthe LOA can be an ideal solution for those who wish to have access to a new vehicle while retaining the possibility of purchasing it in the future.
However, each formula has its own advantages and constraints. It's important to carefully assess your mobility needs, your financial capacity and your long-term plans before making any commitment.
To help you make this choice, Beev has positioned itself as a trusted partner, offering personalized support and tailored solutions, whether you're an individual looking for the best deal or a company looking to optimize fleet management.
