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Lease Finance
The Lease Finance is flexibility to enterprises for procurement of capital assets without blocking their own funds.

In a Lease Finance a transaction - the 'Owner' (Lessor) provides the ‘Right to use’ of an ‘Asset’ (Leased Asset) to the ‘User’ (Lessee) for a specific ‘Period’ (Lease Period) against consideration of payment of periodic ‘Rent’ (Lease Rent).

Lease Asset is any form of tangible asset e.g. machinery, equipment, vehicle, vessel, aircraft, etc. whose possession and right to use (but not ownership) has been transferred to lessee for the lease period only.
What cannot be owned is not leased (e.g. human resources).
Also Intangible assets are not leased (e.g. copyright, patents).
The lease asset should be durable (should survive at least the lease period), identifiable and severable (from wherever it is installed).
IIDFC provides following types of Lease:
Direct lease
A contractual financing arrangement in which the lessor, typically a bank/NBFI, purchases the property directly from the manufacturer and leases that property to the lessee. Purchases of equipment can be of two types: (a) local purchases or (b) import of equipment.
Sale and Lease Back
A variant of Lease Finance extending the concept of asset financing into cash financing. Arrangement in which one party (Lessee) sells a property to a buyer (Lessor) and the buyer immediately leases the property back to the seller. This arrangement allows the initial buyer to make full use of the asset while not having capital tied up in the asset.
Repayment Terms
IIDFC offers an attractive repayment package matching the convenience of the entrepreneurs. The lease financing can be extended up to five years depending upon realistic appraisal of circumstance and the payment pattern can be monthly, quarterly or half-yearly.
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