lease guide - mercedes-benz india... net outflow 29,85,083 34,53,532 15,26,061 lower net outflow ......

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Lease Guide Turns dreams into reality.

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Lease GuideTurns dreams into reality.

You have made a carefully considered decision on the kind of car you want. Now give your financing the same careful consideration.

Financing through Mercedes-Benz Financial gives you a wide range of financing and leasing options. In fact, we can offer you a one-stop service with financing, leasing and insurance coverage developedfor different needs. Take a look at this brochure to get an overviewof the options open to you. Then come in and talk to us.We are constantly trying to provide the best customer service on the market and we will gladly answer all of your questions. If you wish,we can even discuss customised contract terms and monthly payment schemes that fulfill your very personal needs.

Talk to us today and discover how we can make financingyour new car easier than you had ever thought.

The ideal solution

To know more about leasing, visit www.mercedes-benz-financial.co.in,or call 1800 212 3374 (Toll Free).

Finance vs Leasing. What option suits the best?

After you paid your deposit, you make your monthly payments. When all of the payments have been made, you own the vehicle. You can choose between fixed or variable interest rates.

You only pay lower monthly rental for using the vehicle and decide on whether you would want to own the car at the end of the tenure.

Standard FinancingBalloon FinancingBullet Financing

For driving your Mercedes-Benz carefree, we offer you adaptedand attractive insurance products. Everything from one hand.Our insurance products:

STAR GoldSTAR ProtectSTAR Platinum

Finance Leasing

Our leasing productsOur financing products

Insurance

Operating Lease (with or without services)

Customer Decision TreeLower monthlypayment +fixed lump sum

Lower monthlypayment +yearly lump sum

Fixed paymentover agreed term

Low monthlyrentalsbased on RV

Balloon

Bullet

Std. Loan

Operating Lease

No

Yes

Loan

Lease

Lower payment

MBFproduct option

Lease Compared with other options

C 200 CGI Elegance BE Loan Outright Lease Benefits of Lease Outflow Down Payment 2,95,145 29,51,448 0 No Down Payment Per month EMI / Rental 87,354 0 63,899 Lower Monthly Outflow Tenure (months) 36 0 36 Total EMI / Rental 31,44,744 29,51,448 23,00,364(a) Total Outflow ( EMI + DP ) 34,39,889 29,51,448 23,00,364 Tax Gains Depreciation 3,83,350 3,83,350 0 Interest 1,60,000 0 0 Rentals 0 0 7,74,303(b) Total - Tax Gains 5,43,350 3,83,350 7,74,303 Higher Tax Benefits(*c) Interest Loss on Down Payment @ 10% 88,544 8,85,434 0 (a + c - b) Net Outflow 29,85,083 34,53,532 15,26,061 Lower Net Outflow Estimated value of the car at end of tenure 14,00,000 14,00,000 0 15,85,083 20,53,532 15,26,061 STAR Lease benefit over 3 years 59,021 5,27,471 Total Savings for 3 years

Other Benefits:1. Opportunity to invest saving of up to Rs. 23,455/- per month.2. Lower outflow resulting in higher cashflow savings.3. No risk on resale of the car.4. Easy upgrade every 3 years.

For detailed comparison on total cost of ownership under both options please speak to our representatives

* Indicative rentals. Conditions apply.

Loan 90% FundingLease 100% Coverage

Car Model C-ClassTenure 36 months

Insurance and Registration upfront in both scenarios

Total value of Mercedes-Benz

Returnof Mercedes-Benz

Monthly rentals calculated based on onlya proportion of the Mercedes-Benz’s value

What is it?

A flexible business solution whereby the vehicle is leased to you for your chosen period and mileage, with the option of including insurance, registration and maintenance in the monthly rental. The ownership remains with Mercedes-Benz Financial and so does the liability.Your monthly outflows are significantly lower than making an outright purchase or taking a loan.

What happens during your agreement?

Simply pay your monthly rentals and enjoy driving your Mercedes-Benz. Read your enclosed wear and tear guide. It tells you in what condition your Mercedes-Benz needs to be in when you return it, in order to avoid paying additional charges.

What happens at the end of your agreement?

• Near the end of your agreement, we will remind you that it is about to end

• We will arrange for the collection of your Mercedes-Benz at your convenience, or you can deliver it yourself. Please be aware,excess mileage and damage charges may apply

• You can then lease another Mercedes-Benz or buy one of your own

• You may also be able to extend the length of this agreement

Benefits to individuals

• Reduction in monthly outflow

• Vehicle can be changed more often

Operating Lease• Savings on EMI can be further invested for better returns

• Income Tax benefits in case payment is done by employer

• Increase in cash in hand

Benefits to businesses

• Off Balance Sheet transaction. Eliminates capital expense

• Tax Benefits on the entire rental amount

• Seamless disposal of car after end of tenure,without worry of resale value

• Rental amount can be inclusive of expenses like insurance, maintenance and RTO charges for the tenor

• Zero down payment option

• Pay for use model

• Option to structure your monthly rentals with product options

Pay for what you use

Leasing means paying for the vehicle, only as much you use it.The ownership remains with Mercedes-Benz Financial and so doesthe liability. Your monthly outflows are significantly lower than making an outright purchase or taking a loan.

• Pay as per usage

• No liability of ownership

• Lower monthly outflows

Key Benefits of LeasingA hassle free drive

A big deterrent in making the buying decision is the intrinsic costs like service & maintenance. STAR Lease is all about worry free driving as you have the option of including all costs like service, maintenance, registration and insurance as a part of yourmonthly rentals.

• Zero maintenance and service costs

• Fixed monthly payment

• Complete mobility solution

Upgrade to a new vehicle every 3 years

With STAR Lease the customer just returns the car at an agreeddate and dealer location, selects new Mercedes-Benz carat the showroom, signs a new contract and that’s it.No more trade-in price negotiations, vehicle checks, discussions with numerous potential buyers, bank transfers, registration amendments etc. This protects you from uncertainties on your market price of the vehicle.

• No risk on car resale

• Easy upgrade to a new vehicle

Tax benefits & Off-book funding

As per accounting standards lease is treated as an off – balance sheet transaction, hence the vehicle does not appear on your books.Therefore you can use your capital for your business needs rather than utilizing it for the vehicle. Also monthly lease rentalsare treated as expense, and so you get the income tax benefiton the total rentals that you pay for your vehicle.

• Off-balance sheet treatment

• Higher tax benefits

• Better savings

Lease Product Options

Who can avail Individual, Business Owners, (SME), Corporates

Tenure 12 to 36 months 48 months for corporates

Kilometers 10,000/15,000/20,000 per year

Other Charges

Option to include in rentalsInsurance Option to pay in PDC’s

Option to include in rentalsRegistration / Road Tax Option to pay upfront

Car Models covered A-Class, B-Class, C-Class, E-Class, E-Class Coupé, R-Class, ML-Class, GL-Class, S-Class

Payment mode ECS / PDC’s

Security Deposit / Advance EMI’s will be applicable as per credit guidelines. Credit at sole discretion of DFSI

Stay in control with Lease

Non – Controllable

� Economy

� Accidents

� Style Change

� Technology

� New Car Models

Controllable

� Usage

� Mileage

Factors determining market price of the vehicle

When you decide on the procurement of your dream vehicle thereare various factors that are uncontrollable and difficult to preempt such as changes in economy, automobile technology, condition of vehicle, possibility of accidents, etc. These factors not only affectthe market price of the vehicle at the end of lease term, but also influence your decision on your next purchase or upgrade.

With the option of STAR Lease you can stay in control of these factors as the market price benefit for your vehicle is already passed on the date of contact.

Why buy when you can lease ?

Our name is a promise… experience our service.Our dedication to continuously deliver the highest service levelscan only be deemed successful with your participation. Any questions or suggestions you may have will assist us to serve you better andwill be handled with the utmost attention by Mercedes-Benz Financial.

For more details, please feel free to contact us during office hoursfrom Monday to Saturday.

Or feel free to direct your inquiries to your local Mercedes-Benz dealer who is looking forward to being of assistance to you. Or you can write to us at [email protected]

Please do not hesitate to contact us!

Address

The illustrations in this brochure can also include accessories and special equipment that are not part of the standard

scope of delivery. Colour deviations are possible due to printing techniques. The stated financing offers are based on

the current capital market interest rates. They are subject to change, and do not obligate any party to conclude a contract.

To know about the current offers, please ask your Mercedes-Benz Financial representative or visit www.mercedes-benz-financial.co.in

Mercedes-Benz Financial, Daimler Financial Services India Pvt. Limited, RMZ Millennia Business Park, Campus 3B, Unit 301 & 302. No. 143, Dr. M.G.R. Road, Perungudi,

Chennai - 600 096, Tamilnadu, India, Phone +1800 212 3374, Fax +91 44 4591 0602,

[email protected], www.mercedes-benz-financial.co.in