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About Leasing

What is leasing?
Leasing is an innovative way of acquiring equipment, machinery or other assets without having to pay the full amount upfront. The basic concept is that the profits are earned through use and not ownership of the equipment.

Leasing is defined as a written contract entered into between a leasing company (called "the Lessor") on the one part and the User of the equipment (called "the Lessee") on the other part whereby the Lessee agrees to pay the Lessor a specified sum of rentals over an obligatory period of time in consideration for the use of capital equipment owned by the Lessor without the Lessee having to purchase or own the equipment.

Why leasing?
1. Leasing is the quickest means of obtaining equipment finance without lengthy and time consuming procedures.
2. Leasing allows conservation of working capital that can be utilized for other productive business purposes.
3. Fixed and variable rental payments assist in budgeting and ease cash flow.
4. Hedges against inflation as rental payments are made out of future earnings.
5. Lease rentals paid are allowed to be charged as a tax deductible expense in the profit and loss statement of the lessee.
6. Leasing is acceptable within the Islamic modes of financing as rental payments are made and interest is not involved.
7. Simplified documentation and personalized service.
8. Lease period can be tailored to match the practical useful life of the equipment.
9. Up to 90% financing for qualified applicants. Who can lease?
1. Sole proprietorship concerns
2. Partnership firms
3. Private Limited Companies
4. Listed and unlisted local and multinational joint stock companies
5. Trust
6. Liaison offices of multinationals

Which industries/business sectors use leasing?
1. Manufacturing concerns
2. Services
3. Construction industry
4. Distributors/Traders etc.
5. Self employed professionals
6. Transport
7. Printing and packaging
8. Information Technology

What equipment can be leased?
1. Plant and machinery
2. Construction and heavy equipment
3. Medical equipment
4. Computers and IT related equipment
5. Office equipment
6. Commercial and private vehicle

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Leasing Products
       
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Islamic Finance
  • Ijarah Financing Medium to long term facility for vehicles (Corporate and Individual), plant and machinery leased out to the client on rental. basis.
  • Diminishing Musharkah Medium to long term facility for vehicles (Corporate and Individual), plant and machinery on joint ownership basis. Under Diminishing Musharkah Contract the share of the OLP will be divided into a number of units and it is agreed that the client will purchase the OLPs share periodically, thus increasing its own share until all the units of the OLP are purchased by him so as to make the client the sole owner of the asset.
  • Musawamah Financing Small and Medium Business can avail financing for the purchase of raw materials required to process the confirmed work orders placed by their reputable customers.
e-Business
In today’s dynamic business environment where businesses strive to achieve competitive advantage and bring innovation to their business models, ORIX e-Business Division provides them with the opportunity to offer new products and services and bring efficiencies to help maintain their competitive edge.

ORIX e-Business division has created the ORIX Network which is Pakistan’s first and largest third-party transaction processing network. The ORIX Network is a terminal based Point-of-Sale Network that has been established with the dual objective of enabling an environment and creating a platform from which member financial institutions, banks and other corporate entities would be able offer a host of creative and innovative services to their customers. Read More
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Copyright © 2005-2012 ORIX Leasing Pakistan Limited. All rights reserved     Last Updated Apr 20,2013