Clipping of news on Brazilian Culture, Law and Citizenship
01/30/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Lease is common to purchase vehicles and machines
Residual value paid should be returned to the consumer, if you decide to return the well
RIO - Leasing is a fairly common type of contract, but that hides traps for consumers. Also called a leasing contract formalizes this type of operation in which the owner of a well lease to a third party. This will take ownership and right to enjoy the well - a car or a major equipment, for example - while term of the contract, with the option to purchase it or definitely not the end. To guarantee this right, the customer pays the healthcare plan, equivalent to monthly rents. In addition, it must meet specific obligations assumed. In the case of a car, the payment of property taxes, fines and insurance, among other charges.
There are advantages in the leasing contract, experts say. A company might, for instance, maintain their equipment and machines upgraded without the need to buy them. However, there is much unknown about the characteristics legal contract, resulting in losses.
The leasing often is presented as a form of financing, when, in fact, is the rental property for a specified period.
- At the end of the lease, the customer can buy good value for prearranged renew the contract for a further period or return the well to the lessor. The decision to buy or can not be taken at the beginning, during or at the end of the contract explains attorney José Alfredo Lion, an expert in consumer law.
Residual value can be returned
Lion calls attention to a practice of banks: charge the VRG (guaranteed residual value) anticipated, along with the healthcare plan.
- The VRG is paid regardless of the amount of monthly payments and interest. But if the customer wants to return the good, the amount paid for VRG should be compulsorily refunded to the customer. Many people do not know this and end up losing money. Some banks, including not accept the return of good, because I understand leasing as a financing to purchase, when in fact it is a rental. Only in Brazil leasing contracts are signed that way - says the lawyer.
According to José Alfredo Lion, if the customer meets all the lease at the end, well now belongs to him, because the residual value has been paid.
- The option to purchase the leased asset at the end of the contract should be on payment of a residual price previously set, this value is not diluted during the healthcare plan, but unfortunately distorted what a lease would be correct. Also, what many do not know is that if there is delay in payment of the consideration, the bank will enter an action of ejectment, since the property is the name of the bank, and will not return the VRG, which is an affront to the rights of the consumer, the expert points out.
Read more about this topic in http://oglobo.globo.com/defesa-do-consumidor/leasing-nao-financiamento-pode-esconder-armadilhas-7428062#ixzz2JSPmxGTj
Source: The Globe - Online
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This article was translated by an automatic translation system, and was therefore not reviewed by people.