Будущее автовладения.

How We Actually Assess an Application

We do not run a credit score, because the product does not require one. A lease-to-own contract means we buy the vehicle and hold it in our own name for the term — our security is the car itself and the down payment behind it, not a claim against your future earnings. So what we ask for is two documents every UAE resident already carries: an Emirates ID and a UAE driving licence. We do not ask for a salary certificate, and we do not ask you to prove your income. A separate visa copy is redundant too, since an Emirates ID is not issued without a residence visa.

That matters most to people whose earnings do not fit a form. Income that arrives at AED 60,000 one month and AED 12,000 the next is not a puzzle under this model, because we are not asking you to document it — a freelancer, a business owner between contracts and a salaried employee are read the same way, against the car and the down payment. Credit scoring has no field for "varies"; we do not need one. We still make a decision on every application, and some are declined, but it lands within 24 hours rather than the weeks a bank application takes.

What We Tell People Not to Do

If you have 20% of the vehicle value in cash, a clean AECB file and a salary certificate, a bank loan is the cheaper route to owning a car in the UAE, and paying outright is cheaper still. We say that before someone signs rather than after. Leasing wins on access, speed, keeping borrowing capacity free for a mortgage, and liquidity — not on the total across the term.

We also advise against committing to a 36-month term in the second month of a new job. UAE probation runs up to six months and can end with short notice, and the exit clause becomes the most important term in the contract. If a car is needed in that window, take a cheaper one than the one you want, and ask what settling at month 18 would cost — as a number, in writing, before signing.

Where the Fleet Comes From

Vehicles are sourced from UAE dealer stock, auctions and private sellers, and every one passes a 150-point inspection before it enters the fleet — ECU diagnostics, structural check on a hydraulic lift, brakes and suspension, fluid analysis, air conditioning, and a road test. The VIN is checked for accident history, outstanding finance and total-loss status. Cars that fail are not repaired into the fleet; they are declined.

If nothing in stock fits, the fleet is not the boundary. Clients send listings from Dubizzle, dealers or auctions anywhere in the UAE; we assess the asking price against market data, run the same inspection, and if it passes we buy it and write the lease on it. That route takes five to seven working days against one to three from stock, and a meaningful share of contracts start that way.

Что происходит после подписания

Автомобиль регистрируется на компанию на весь срок договора, и этот единственный факт объясняет почти всё остальное. Именно поэтому не требуется досье AECB и не применяется обязательный первоначальный взнос 20%, установленный Центральным банком для автокредитов. По той же причине автомобиль нельзя продать или переоборудовать сверх того, что разрешено договором, а поездка в Оман или Саудовскую Аравию требует письменного NOC от нас и расширения страховки — запрашивать нужно заранее, на границе его не выдают.

Штрафы приходят нам как зарегистрированному владельцу и передаются вам по себестоимости. Техобслуживание планируем мы по регламенту производителя, поэтому запись в сервис — не ваша административная забота. Если что-то меняется в середине срока — закончилась работа, отменена виза, изменился доход — свяжитесь с нами до того, как пропустите платёж. Ранний разговор оставляет варианты, которых уже нет при просрочке: мы предпочтём пересмотреть договор, а не изымать автомобиль.

По окончании срока вы выкупаете автомобиль по цене, зафиксированной в договоре, возвращаете его или переходите на более новый. Что бы вы ни выбрали, определитесь до подписания, а не в последний месяц — расчёт для каждого варианта разный, особенно если в договоре есть балонный платёж.