Del Contrato de Renting a la Póliza de Renting
El contrato de renting es un tipo de contrato mercantil y financiero para bienes muebles que, con intervención notarial, es conocido como póliza de renting. Como Notarios en Pólizas en Barcelona queremos explicarte toda la información relacionada con los contratos de renting, que son, cómo se producen, cómo formalizar póliza de renting ante Notario, sus requisitos y más.
Debe saber que actualmente se puede firmar una póliza de renting ante Notario acudiendo de forma presencial a la notaría o de forma totalmente digital a través del Portal Notarial del Ciudadano.
¿Qué es el Contrato de Renting?
El contrato de renting tiene dos figuras fundamentales: un arrendador y su cliente arrendatario. El primero dispone de un activo mercantil para arrendar por un plazo específico. El segundo es el cliente arrendatario interesado que deberá pagar en cuotas periódicas según la forma que se pacte para poder hacer uso de dicho bien que es de su interés. En el contrato de renting la propiedad, el mantenimiento y los seguros relacionados con el bien son responsabilidad de la entidad arrendadora, a diferencia del contrato de leasing.
En ocasiones, una empresa arrendadora es quien adquiere el producto o bien a nombre propio y le concede el beneficio de su uso a otra. Incluso es común encontrar aquellas que lo adquieren a petición del arrendatario. Al acabar el contrato, puede prorrogarse, o contempla la opción de compra.
Es, por estos motivos y sobre todo, un contrato muy común en bienes muebles que se pueden deteriorar rápido o que se revalorizan a la baja conforme transcurre el tiempo. Así, los contratos de renting los encontramos, por ejemplo, en equipos informáticos, telefónicos, vehículos o maquinaria.
Contrato de renting con ejemplos
El ejemplo más común de estos contratos es actualmente los productos de renting que se producen en empresas automovilísticas. Pero este tipo de póliza de renting se puede extrapolar a nivel empresarial, ejemplificando a empresas que no disponen de activo suficiente como para renovar su flota de vehículos de distribución y necesite de ellos sin comprarlos. Otro ejemplo puede ser el usufructo de equipos médicos como escáneres, rayos x, máquinas de TAC, PET TAC, etc…
¿Cuáles son las características de la póliza de renting?
Entonces, las pólizas de renting tienen ciertas características comunes:
- Combinan financiación del producto con la contratación de servicios.
- Se puede acceder a activos sin un desembolso inicial y permite usar bienes que no se pueden adquirir por su precio.
- No se considera un producto financiero.
- Se producen contratos para bienes muebles.
- Existen penalizaciones por su cancelación anticipada que se pueden especificar en el contrato.
- Es un tipo de contrato que puede oscilar entre los 2 y 5 años, aunque depende del acuerdo entre tomador y arrendador.
¿Qué ventajas ofrece el contrato de renting para arrendatarios?
Para los arrendatarios, los contratos de renting ofrecen ventajas a nivel empresarial, evitando disminuir el flujo de caja que pudiera destinarse a la adquisición de activos. También de cargas financieras o fluctuaciones de crédito (ya que la cuota es fija). Además, no son responsables del mantenimiento, ni de otras cargas administrativas. Asimismo, reducen el riesgo financiero ya que las empresas arrendatarias no se ven afectadas por la desvalorización de los activos o por su rápida obsolescencia.
¿Cuáles son las ventajas del contrato de renting para arrendadores?
En el caso de los arrendadores también obtienen beneficios como la reducción de la presión de la compra de los activos, el incremento en la facturación u obtener un ingreso periódico durante el contrato que proporcione estabilidad financiera. Además, contribuye a fidelizar a sus clientes y proponerles, incluso, la renovación del contrato. Esta fidelización contribuye en la reducción de riesgo de impagos. La propiedad del bien siempre será del arrendador, lo que permite volver a alquilarlo a otro cliente o revenderlo cuando se haya depreciado.
¿Cuál es la diferencia entre el Renting vs leasing?
La principal diferencia entre el contrato de renting vs leasing es que no existe opción de compra por parte del arrendatario. En este caso, la propiedad nunca es del cliente.
Además, en el leasing, el arrendatario debe de hacerse cargo de las obligaciones relacionadas con el mantenimiento y seguros, mientras que el contrato de renting, es el arrendador quien se encarga.
Impuestos en la póliza de Renting
La cuota de renting puede ser deducible fiscalmente en el impuesto de Sociedades o en el IRPF (si es autónomo), y reduce la cuota imponible.
Los arrendatarios del bien que deban pagar el IVA podrán deducirlo de sus cuotas de renting siempre que el bien esté relacionado con su actividad económica. También podrán deducir el importe de las cuotas de renting como gasto de su contabilidad, lo que reduce la base imponible para el Impuesto para sociedades o IRPF.
El papel del Notario en la Póliza de Renting
El Notario interviene los contratos de renting ofreciendo seguridad jurídica y explicando detalladamente las cláusulas de forma imparcial. Otorga validez, dando fe con su firma de que las partes han consentido al acuerdo de forma voluntaria y consciente. Este tipo de contrato, formalizado ante Notario en forma de póliza es conocido como póliza de renting.
Así, esta póliza facilita la ejecución en el caso de incumplimiento de lo pactado por vía judicial, ya que la póliza de renting notarial evita la impugnación ante un tribunal y disminuye el riesgo de litigios. Esto implica que sus cláusulas se pueden aplicar sin necesidad de juicio y que el acreedor puede recurrir al embargo de bienes.
El Notario legitimará las firmas y custodiará el documento original firmado. Expedirá las copias necesarias para los firmantes.
Contacte con Notarios online para que intervengan su contrato, independientemente del lugar que sea, para ejecutar de forma efectiva, la intervención y firma de la póliza de renting.
Para que se produzca ante Notario, deberá acudir junto con el representante de la sociedad que concede el renting.
Documentos necesarios para firmar una póliza de renting ante Notario
- Si es un renting de una persona física, documento de identificación de quien recibe el renting.
- Si es una póliza de renting a una sociedad, documentos de identificación del administrador.
- Póliza con las condiciones (es recomendable enviarla días antes a la firma por e-mail).
¿Cuánto cuesta una póliza de renting ante Notario?
Los honorarios a pagar para tramitar un contrato de renting ante Notario están regulados en el arancel notarial. El coste de la póliza depende entre otros aspectos del importe de la deuda y del número de folios de la póliza.
El precio de los actos notariales está regulado por el Gobierno y se ajusta a la normativa reguladora del ARANCEL NOTARIAL (RD 1426/1989, de 17 de noviembre, por el que se regula el Arancel de los Notarios).
Pese a esta regulación exhaustiva, el precio exacto de un documento notarial no puede calcularse hasta que se conoce su contenido concreto, es decir, hasta que esté firmado, pues son muchas las circunstancias que lo pueden hacer variar. El número de copias que se pide de un documento, el importe de la operación, los folios que contiene además de posibles cambios o añadidos pueden variar ligeramente el precio final.
Si desea recibir un presupuesto detallado, le invitamos a contactarnos directamente por la vía que le resulte más conveniente. Lo puede hacer a través del formulario de contacto de la página principal de esta web, mediante la sección contactar que encontrará en el pie de página de la web, usando el acceso directo a WhatsApp en la parte inferior derecha de esta página, enviando un correo electrónico a bcn@jlanotarios.com o llamándonos al teléfono 93 159 17 62.
De forma orientativa, le podemos adelantar que, de acuerdo a la normativa reguladora vigente, el precio habitual de la formalización ante Notario de una POLIZA DE RENTING solicitada por una sociedad por un importe de 50.000€ con un vencimiento superior a 6 meses es de unos 250 €, incluyendo IVA.
Este precio indicativo está calculado para un documento de contenido habitual, solicitado por una empresa y con necesidad de obtener información mercantil de la misma.
JLA Notarios, Póliza de renting en Barcelona
Póngase en contacto a través de nuestros diferentes canales para tramitar una póliza de renting en Barcelona. Puede acercarse para gestionarla presencialmente o realizarla de forma digital por nuestra notaría online desde cualquier punto de España. Si necesita un presupuesto reserve su cita en el mail polizas@jlanotarios.com.
En JLA Notarios somos especialistas en pólizas notariales y expertos en la regulación del contrato de renting. Reciba un asesoramiento personalizado y obtenga una gestión eficiente ya sea en nuestra Notaría en Barcelona o mediante los servicios de nuestra Notaría digital.
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Making a will, making a declaration of heirs or awarding inheritance are very important moments in people’s lives.
At JLA Notarios we offer inheritance law services, both to arrange your estate and to divide up inheritance, guaranteeing the best advice for your particular needs while studying the tax implications of each case. We never forget the human factor. We even offer a notary service at home if necessary.
Contracts and property law
Over the course of our lives, we carry out important actions, such as buying a home, declaring a new-build, lifetime gifting to our children or ending partnerships, among many others.
At JLA Notarios we are experts in property and contract law and buying and selling property. We guide our clients, analysing each particular issue and always considering the tax burden of each transaction.
In addition, some of our notarial services can be performed online, so we can assist you from anywhere in Spain. Contact us to declare a new-build or a commonhold ownership structure online.
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Taking out a mortgage is one of the biggest moments for anyone. Just think of the fees and interest you may have to pay for much of your life. So it is essential to have a trusted notary to help you understand what you are signing, explaining the tricky legal terms and their future consequences in simple words, to provide transparency and protect our clients.
At JLA Notarios we are aware of the importance of giving complete and understandable information to people about to sign a mortgage, novation or subrogation. We also advise and guide you on your future mortgage cancellation.
Loan agreements and credit facilities
Individuals and companies often need money to fulfil their dreams or projects. This can be obtained by taking out a loan or credit facility with your bank. When you sign, it is essential to understand the details properly to avoid future surprises.
JLA Notarios can be your trusted notary office, giving you accurate advice on loan contracts, providing a very agile and specialised service for processing loan contracts.
Bear in mind that from 9 November 2023, you will be able to sign your loan contracts from anywhere in Spain electronically by videoconference with JLA Notarios, saving you time and money. Do not hesitate to contact us to find out more about the notary office’s services in order to sign a loan contract online or sign a credit facility online.
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Without entrepreneurship there is no future, so it is of vital importance to support our businesspeople and entrepreneurs.
At JLA Notaries we are familiar with companies’ life cycle, which enables us to provide legal assistance for companies in their different stages, whether incorporation, modifications of their articles of association, changes of director, share sales and purchases, capital increases and reductions, dissolution and closure, and everything related to commercial matters.
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We provide an agile service to sign powers of attorney. You can take your copy away immediately, saving you unnecessary trips, and from 9 November 2023 our clients will be able to sign all powers of attorney that are not general or preventive by videoconference through our digital notary office.
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A prosperous society is based on the family and its protection. Family Law provides you with the tools to protect your family and its members, so its foundations are solid and its purposes can be achieved.
At JLA Notarios we provide legal advice on marriage or civil partnerships; property aspects of the family through marriage contracts or civil partnership contracts; the moments when the family relationship is ended, in cases such as divorce or separation; and protection of vulnerable people, such as minors or people with modified capacity, through deeds of appointment of guardians or executors or creation of protected assets. We do all of this in a way that makes everyone involved feel equally supported and secure.
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It is common knowledge that notaries attest. That important and simple action can guarantee things of vital importance, such as ensuring that the signature on a document is authentic or certifying that a copy of a document matches the original.
At JLA Notarios we will help you to certify a document or notarise a signature in accordance with the law and tailored to your specific needs.
In addition, these notarial procedures can be carried out conveniently through electronic means from 9 November 2023.
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At JLA Notarios we adapt to you, stating in the deed what you need and issuing your notifications and requests.
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Behind every oath of citizenship lies a story of overcoming, sacrifice and waiting.
At JLA Notarios we know what this moment means and we provide an empathetic, agile and fast service. We don’t just advise you about the actual swearing-in, but also inform you of the future requirements that new Spanish citizens need to know.
We are your go-to notary’s office to swear the oath of citizenship before a notary public in Barcelona.
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Globalisation enables the free movement of people and documents of all kinds. How can you guarantee that a document has been officially issued? With an apostille of the Hague Convention.
JLA Notarios can obtain an apostille for all documents executed before us so they are valid and recognised abroad. We do this transparently and save you all the bureaucratic procedures involved.
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Tax bureaucracy can cause a lot of headaches.
So JLA Notarios offers its clients the possibility of assessing and paying the many different taxes by the executing deeds and carrying out other procedures before the notary. We can also file them with the Land or Companies Registry so you do not have to concern yourself with it and can spend your time on the things that matter. We support you from start to finish.
Wills and inheritance
Making a will, making a declaration of heirs or awarding inheritance are very important moments in people’s lives.
At JLA Notarios we offer inheritance law services, both to arrange your estate and to divide up inheritance, guaranteeing the best advice for your particular needs while studying the tax implications of each case. We never forget the human factor. We even offer a notary service at home if necessary.
Contracts and property law
Over the course of our lives, we carry out important actions, such as buying a home, declaring a new-build, lifetime gifting to our children or ending partnerships, among many others.
At JLA Notarios we are experts in property and contract law and buying and selling property. We guide our clients, analysing each particular issue and always considering the tax burden of each transaction.
In addition, some of our notarial services can be performed online, so we can assist you from anywhere in Spain. Contact us to declare a new-build or a commonhold ownership structure online.
Mortgage
Taking out a mortgage is one of the biggest moments for anyone. Just think of the fees and interest you may have to pay for much of your life. So it is essential to have a trusted notary to help you understand what you are signing, explaining the tricky legal terms and their future consequences in simple words, to provide transparency and protect our clients.
At JLA Notarios we are aware of the importance of giving complete and understandable information to people about to sign a mortgage, novation or subrogation. We also advise and guide you on your future mortgage cancellation.
Loan agreements and credit facilities
Individuals and companies often need money to fulfil their dreams or projects. This can be obtained by taking out a loan or credit facility with your bank. When you sign, it is essential to understand the details properly to avoid future surprises.
JLA Notarios can be your trusted notary office, giving you accurate advice on loan contracts, providing a very agile and specialised service for processing loan contracts.
Bear in mind that from 9 November 2023, you will be able to sign your loan contracts from anywhere in Spain electronically by videoconference with JLA Notarios, saving you time and money. Do not hesitate to contact us to find out more about the notary office’s services in order to sign a loan contract online or sign a credit facility online.
Companies
Without entrepreneurship there is no future, so it is of vital importance to support our businesspeople and entrepreneurs.
At JLA Notaries we are familiar with companies’ life cycle, which enables us to provide legal assistance for companies in their different stages, whether incorporation, modifications of their articles of association, changes of director, share sales and purchases, capital increases and reductions, dissolution and closure, and everything related to commercial matters.
Powers of attorney
There are moments in life when a person needs to delegate. The law provides a tool for this: powers of attorney. Though a power of attorney, one person allows another person to act on their behalf.
At JLA Notarios we make sure that you understand the significance and risks of delegating or revoking powers of attorney, from a special power of attorney or power of attorney for lawsuits, to general powers of attorney or preventive powers of attorney for cases of incapacity.
We provide an agile service to sign powers of attorney. You can take your copy away immediately, saving you unnecessary trips, and from 9 November 2023 our clients will be able to sign all powers of attorney that are not general or preventive by videoconference through our digital notary office.
Family affairs
A prosperous society is based on the family and its protection. Family Law provides you with the tools to protect your family and its members, so its foundations are solid and its purposes can be achieved.
At JLA Notarios we provide legal advice on marriage or civil partnerships; property aspects of the family through marriage contracts or civil partnership contracts; the moments when the family relationship is ended, in cases such as divorce or separation; and protection of vulnerable people, such as minors or people with modified capacity, through deeds of appointment of guardians or executors or creation of protected assets. We do all of this in a way that makes everyone involved feel equally supported and secure.
Certifications and authentications
It is common knowledge that notaries attest. That important and simple action can guarantee things of vital importance, such as ensuring that the signature on a document is authentic or certifying that a copy of a document matches the original.
At JLA Notarios we will help you to certify a document or notarise a signature in accordance with the law and tailored to your specific needs.
In addition, these notarial procedures can be carried out conveniently through electronic means from 9 November 2023.
Notarial deeds
How many times have you wanted to record an event, a statement or the status of an object, or to notify someone of an issue. The law provides us with notarial deeds to deal with these matters.
At JLA Notarios we adapt to you, stating in the deed what you need and issuing your notifications and requests.
Oath of citizenship
Behind every oath of citizenship lies a story of overcoming, sacrifice and waiting.
At JLA Notarios we know what this moment means and we provide an empathetic, agile and fast service. We don’t just advise you about the actual swearing-in, but also inform you of the future requirements that new Spanish citizens need to know.
We are your go-to notary’s office to swear the oath of citizenship before a notary public in Barcelona.
Apostille of the hague convention
Globalisation enables the free movement of people and documents of all kinds. How can you guarantee that a document has been officially issued? With an apostille of the Hague Convention.
JLA Notarios can obtain an apostille for all documents executed before us so they are valid and recognised abroad. We do this transparently and save you all the bureaucratic procedures involved.
Tax and registry procedures
Tax bureaucracy can cause a lot of headaches.
So JLA Notarios offers its clients the possibility of assessing and paying the many different taxes by the executing deeds and carrying out other procedures before the notary. We can also file them with the Land or Companies Registry so you do not have to concern yourself with it and can spend your time on the things that matter. We support you from start to finish.
