{"id":4750,"date":"2026-05-05T08:55:33","date_gmt":"2026-05-05T05:55:33","guid":{"rendered":"https:\/\/123leasing.ro\/blog\/articole-leasing\/preluare-leasing\/"},"modified":"2026-05-05T08:55:34","modified_gmt":"2026-05-05T05:55:34","slug":"preluare-leasing","status":"publish","type":"post","link":"https:\/\/123leasing.ro\/blog\/despre-leasing\/preluare-leasing\/","title":{"rendered":"Preluare leasing auto: cum func\u021bioneaz\u0103 pas cu pas \u00een 2026"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 5<\/span> minute<\/span><\/span>

Ghid complet pentru preluarea unui contract de leasing<\/h1>\n

Preluarea unui contract de leasing este o op\u021biune mai pu\u021bin cunoscut\u0103, dar extrem de util\u0103 atunci c\u00e2nd apare nevoia. Poate c\u0103 cineva din familia ta vrea s\u0103 predea un contract pe care nu-l mai poate sus\u021bine, sau ai g\u0103sit o ofert\u0103 de leasing cu o rat\u0103 deja negociat\u0103 \u0219i un avans deja pl\u0103tit.<\/p>\n

Oricare ar fi situa\u021bia, preluarea de leasing te poate pune la volanul unei ma\u0219ini mai repede \u0219i \u00een condi\u021bii financiare uneori mai bune dec\u00e2t un contract nou.<\/p>\n

Dar ce \u00eenseamn\u0103 exact preluarea unui leasing, ce presupune procedura \u0219i ce riscuri exist\u0103? \u00ce\u021bi explic\u0103m totul \u00een acest ghid.<\/p>\n

Ce \u00eenseamn\u0103 preluare de leasing<\/h2>\n

Preluarea leasingului este procesul prin care o alt\u0103 persoan\u0103 (fizic\u0103 sau juridic\u0103) preia obliga\u021biile dintr-un contract de leasing existent, \u00een locul titularului ini\u021bial. Practic, tu devii noul utilizator al vehiculului \u0219i al contractului, cu acelea\u0219i condi\u021bii de finan\u021bare deja negociate: rata, dob\u00e2nda, valoarea rezidual\u0103, num\u0103rul de rate r\u0103mase.<\/p>\n

Aceast\u0103 opera\u021biune se nume\u0219te \u0219i cesiune de contract de leasing \u0219i este posibil\u0103 cu acordul explicit al companiei de leasing (IFN-ului care de\u021bine vehiculul).<\/p>\n

Preluarea poate fi motivat\u0103 de ambele p\u0103r\u021bi:<\/p>\n

De ce vinde cedentul (actualul titular)?<\/h3>\n
    \n
  • Schimbare de job sau relocare<\/li>\n
  • Situa\u021bie financiar\u0103 dificil\u0103 \u2014 nu mai poate sus\u021bine ratele<\/li>\n
  • Divor\u021b sau schimb\u0103ri \u00een structura familiei<\/li>\n
  • A ap\u0103rut oportunitatea unui vehicul mai bun<\/li>\n<\/ul>\n

    De ce cump\u0103r\u0103 cealalt\u0103 parte?<\/h3>\n
      \n
    • Poate ob\u021bine un vehicul cu condi\u021bii de finan\u021bare deja stabilite<\/li>\n
    • Avansul a fost deja pl\u0103tit de titular (economie imediat\u0103)<\/li>\n
    • Rata poate fi avantajoas\u0103 fa\u021b\u0103 de un contract nou<\/li>\n
    • Ma\u0219ina poate fi deja echipat\u0103 \u0219i \u00een stare bun\u0103<\/li>\n<\/ul>\n

      Condi\u021bii pentru noul titular la o preluare leasing<\/h2>\n

      Compania de leasing trebuie s\u0103 aprobe noul titular \u00eenainte de transfer. Condi\u021biile de eligibilitate sunt similare cu cele pentru un contract nou:<\/p>\n

        \n
      • Bonitate financiar\u0103<\/strong> Venitul net trebuie s\u0103 sus\u021bin\u0103 rata lunar\u0103 existent\u0103, respect\u00e2nd gradul de \u00eendatorare maxim admis<\/li>\n
      • Scoring de credit acceptabil<\/strong> IFN-ul verific\u0103 istoricul la Biroul de Credit. Restan\u021be active sau credite neachitate pot bloca aprobarea<\/li>\n
      • Documente de identitate valide<\/li>\n
      • Dovada veniturilor adeverin\u021b\u0103 de salariu, flutura\u0219i, declara\u021bii fiscale, extras de cont<\/li>\n
      • Persoana juridic\u0103 care preia trebuie s\u0103 prezinte situa\u021bii financiare recente, certificat de \u00eenregistrare \u0219i nu trebuie s\u0103 aib\u0103 datorii la ANAF<\/li>\n<\/ul>\n

        Nu oricine poate prelua orice leasing. Decizia final\u0103 apar\u021bine companiei de leasing.<\/p>\n

        Procedura de preluare leasing, pas cu pas<\/h2>\n
          \n
        1. Contactezi actuala companie de leasing<\/strong> cedentul (titularul actual) sau tu, ca poten\u021bial cesionar, anun\u021b\u0103 inten\u021bia de transfer. Unele companii au formulare dedicate pentru cesiune.<\/li>\n
        2. Depui dosarul de credit<\/strong> completezi actele necesare \u0219i le trimi\u021bi spre analiz\u0103. Compania de leasing evalueaz\u0103 bonitatea ta exact ca la un contract nou.<\/li>\n
        3. Aprobare sau respingere<\/strong> Compania de leasing \u00ee\u021bi comunic\u0103 dac\u0103 e\u0219ti eligibil. Dac\u0103 da, se trece la pasul urm\u0103tor.<\/li>\n
        4. Semnarea actelor de cesiune<\/strong> Cedentul \u0219i cesionar semneaz\u0103 actul de cesiune a contractului de leasing, \u00een prezen\u021ba reprezentantului companiei de leasing sau la sediul acesteia.<\/li>\n
        5. Verificarea st\u0103rii vehiculului<\/strong> de regul\u0103, compania de leasing face o inspec\u021bie tehnic\u0103 a ma\u0219inii \u00eenainte de transfer. Eventualele daune sau uzura anormal\u0103 pot genera costuri.<\/li>\n
        6. Plata taxelor de transfer<\/strong> \u00een func\u021bie de companie, exist\u0103 o tax\u0103 administrativ\u0103 de cesiune (poate varia \u00eentre c\u00e2teva sute \u0219i c\u00e2teva mii de lei).<\/li>\n
        7. Transferul efectiv<\/strong> de la data semn\u0103rii, tu e\u0219ti noul titular al contractului \u0219i al obliga\u021biilor aferente.<\/li>\n<\/ol>\n

          Costurile implicate \u00eentr-o preluare de leasing<\/h2>\n

          Spre deosebire de un contract nou unde pl\u0103te\u0219ti avans, la preluare costurile directe sunt de regul\u0103 mai mici:<\/p>\n

            \n
          • Taxa de cesiune\/transfer<\/strong> perceput\u0103 de compania de leasing; variaz\u0103 \u00een func\u021bie de IFN (uzual 200\u2013800 EUR sau echivalent \u00een lei)<\/li>\n
          • Eventuale repara\u021bii<\/strong> dac\u0103 ma\u0219ina are daune identificate la inspec\u021bie, acestea trebuie remediate \u00eenainte de transfer (de regul\u0103 pe cheltuiala cedentului, dar se poate negocia)<\/li>\n
          • Asigurarea CASCO<\/strong> poli\u021b\u0103 nou\u0103 sau preluarea celei existente, cu andosarea pe noul titular<\/li>\n
          • Taxe notariale<\/strong> \u00een unele cazuri, cesiunea necesit\u0103 \u0219i un act notarial (mai rar, depinde de companie)<\/li>\n<\/ul>\n

            Compar\u0103 aceste costuri cu avansul pe care l-ai pl\u0103ti la un contract nou. De cele mai multe ori, preluarea iese mai ieftin pe termen scurt.<\/p>\n

            5 avantaje ale prelu\u0103rii de leasing fa\u021b\u0103 de un contract nou<\/h2>\n
              \n
            1. F\u0103r\u0103 avans mare<\/strong> Avansul a fost deja pl\u0103tit de titularul ini\u021bial; tu preiei contractul de unde a r\u0103mas<\/li>\n
            2. Rat\u0103 deja negociat\u0103<\/strong> Beneficiezi de condi\u021biile stabilite \u00een contract, care pot fi mai bune dec\u00e2t ce ai ob\u021bine azi pe pia\u021b\u0103 (\u00een special dac\u0103 dob\u00e2nzile au crescut \u00eentre timp)<\/li>\n
            3. Contract mai scurt<\/strong> Dac\u0103 preiei un leasing la jum\u0103tatea duratei, ai o perioad\u0103 mai scurt\u0103 de angajament fa\u021b\u0103 de un contract nou pe 48 sau 60 de luni<\/li>\n
            4. Ma\u0219in\u0103 deja echipat\u0103<\/strong> De regul\u0103 vehiculul vine cu dot\u0103ri deja instalate, f\u0103r\u0103 costuri suplimentare<\/li>\n
            5. Economie de timp<\/strong> Procesul de aprobare este similar cu un contract nou, dar po\u021bi accesa vehiculul mai rapid<\/li>\n<\/ol>\n

              Aten\u021bie:<\/strong> Verific\u0103 \u00eentotdeauna istoricul de pl\u0103\u021bi al cedentului. Ratele \u00eent\u00e2rziate din trecut pot complica rela\u021bia cu compania de leasing chiar dac\u0103 tu preiei contractul cu o fi\u0219\u0103 curat\u0103.<\/p>\n

              Ce s\u0103 verifici \u00eenainte de preluare leasing<\/h2>\n
                \n
              • Starea tehnic\u0103 a ma\u0219inii<\/strong> Cere un raport de inspec\u021bie independent \u00eenainte de a semna orice. Daune ascunse, uzura anormal\u0103 sau probleme mecanice devin responsabilitatea ta din momentul transferului.<\/li>\n
              • Istoricul de pl\u0103\u021bi<\/strong> \u00centreab\u0103 direct compania de leasing dac\u0103 au existat \u00eent\u00e2rzieri sau litigii pe contractul respectiv. Un istoric problematic poate genera fric\u021biuni pe viitor.<\/li>\n
              • Kilometrajul<\/strong> La leasing opera\u021bional, verific\u0103 c\u00e2\u021bi kilometri au fost parcur\u0219i fa\u021b\u0103 de cei contractuali. Dac\u0103 s-a dep\u0103\u0219it plafonul, penaliz\u0103rile devin ale tale.<\/li>\n
              • Condi\u021biile contractuale r\u0103mase<\/strong> Cite\u0219te cu aten\u021bie ce mai r\u0103m\u00e2ne din contract: num\u0103rul de rate, valoarea rezidual\u0103, condi\u021biile de predare. Nu semna f\u0103r\u0103 s\u0103 \u00een\u021belegi toate clauzele.<\/li>\n
              • Valoarea pie\u021bei<\/strong> Compar\u0103 rata pe care o preiei cu ce ai ob\u021bine pe un contract nou pentru acela\u0219i model. Uneori, un contract vechi nu mai este avantajos fa\u021b\u0103 de ofertele actuale din pia\u021b\u0103.<\/li>\n<\/ul>\n

                Concluzie<\/h2>\n

                Preluarea unui contract de leasing poate fi o solu\u021bie inteligent\u0103 dac\u0103 g\u0103se\u0219ti o ofert\u0103 avantajoas\u0103 \u0219i dac\u0103 verifici atent starea vehiculului \u0219i condi\u021biile contractuale. Nu este complicat, dar presupune parcurgerea unui proces formal cu compania de leasing.<\/p>\n

                Dac\u0103 ai \u00eentreb\u0103ri despre ce presupune un transfer de leasing sau vrei s\u0103 afli dac\u0103 un anumit contract merit\u0103 preluat, consultan\u021bii no\u0219tri \u00ee\u021bi pot oferi o evaluare gratuit\u0103.<\/p>\n

                \u00centreb\u0103ri frecvente despre preluare leasing<\/h2>\n

                1. Ce \u00eenseamn\u0103 preluarea unui leasing auto?<\/h3>\n

                Preluarea leasingului (sau cesiunea de contract) \u00eenseamn\u0103 transferul unui contract de leasing existent de la actualul titular c\u0103tre o alt\u0103 persoan\u0103. Noul titular preia vehiculul \u0219i toate obliga\u021biile contractuale r\u0103mase, cu acordul companiei de leasing.<\/p>\n

                2. Pot prelua un leasing direct de la proprietar, f\u0103r\u0103 acordul companiei de leasing?<\/h3>\n

                Nu. Orice cesiune de contract de leasing necesit\u0103 aprobarea explicit\u0103 a IFN-ului finan\u021bator. Un acord \u201e\u00eentre particulari” f\u0103r\u0103 notificarea companiei de leasing nu are valoare juridic\u0103 \u0219i nu transfer\u0103 legal responsabilit\u0103\u021bile contractuale.<\/p>\n

                3. Ce documente sunt necesare pentru preluare leasing?<\/h3>\n

                De regul\u0103: carte de identitate, dovada veniturilor (adeverin\u021b\u0103 de salariu, extrase de cont), \u0219i, pentru firme, documentele de \u00eenregistrare \u0219i situa\u021biile financiare recente. Compania de leasing poate solicita \u0219i documente suplimentare, similar cu dosarul pentru un contract nou.<\/p>\n

                4. Este mai ieftin s\u0103 preiau un leasing fa\u021b\u0103 de a face unul nou?<\/h3>\n

                Depinde de contract. Avantajele principale sunt c\u0103 avansul a fost deja pl\u0103tit \u0219i c\u0103 beneficiezi de condi\u021biile negociate ini\u021bial. Dac\u0103 dob\u00e2nzile au crescut \u00eentre timp, rata din contractul preluat poate fi mai mic\u0103 dec\u00e2t ce ai ob\u021bine azi pe un contract nou pentru acela\u0219i vehicul.<\/p>\n","protected":false},"excerpt":{"rendered":"

                Timpul estimat pentru citire: <\/span> 5<\/span> minute<\/span><\/span>Ghid complet pentru preluarea unui contract de leasing Preluarea unui contract de leasing este o op\u021biune mai pu\u021bin cunoscut\u0103, dar extrem de util\u0103 atunci c\u00e2nd apare nevoia. Poate c\u0103 cineva din familia ta vrea s\u0103 predea un contract pe care nu-l mai poate sus\u021bine, sau ai g\u0103sit o ofert\u0103 de leasing cu o rat\u0103 deja negociat\u0103 \u0219i un avans deja […]<\/p>\n","protected":false},"author":7,"featured_media":4716,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[266],"tags":[],"class_list":["post-4750","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-despre-leasing"],"yoast_head":"\nPreluare leasing auto: cum func\u021bioneaz\u0103 pas cu pas \u00een 2026 - Blogul 123Leasing<\/title>\n<meta name=\"description\" content=\"Uite cum func\u021bioneaz\u0103 o preluare de leasing, ce documente \u00ee\u021bi trebuie, ce costuri implic\u0103 \u0219i ce riscuri s\u0103 evi\u021bi.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123leasing.ro\/blog\/despre-leasing\/preluare-leasing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Preluare leasing auto: cum func\u021bioneaz\u0103 pas cu pas \u00een 2026 - 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