Leasing & Finance

Leasing & Finance

Operating lease

Overview

For properties with a forecasted secondhand value (generic properties that have a secondhand market), NTT TC Leasing calculates the predicted residual value (secondhand market price) at the start of the contract and subtracts this value from the price of the property when calculating the leasing fees. 

The total lease payment for a residual value setting type operating lease is the total amount of the equipment cost minus the residual value of the leased property assessed at the time of contract commencement (less than 90% of the initial property price) and incidental costs. The total lease payment for a residual value setting type operating lease is the total amount of the equipment cost minus the residual value of the leased property assessed at the time of contract commencement (less than 90% of the initial property price) and incidental costs.

Business model

① Conclude a lease contract between the customer (user) and NTT TC Leasing ② Conclude a sales contract between the sales company (seller) and NTT TC Leasing ③ Delivery of the property from the sales company (seller) to the customer (user). ④ Payment of lease fee from customer (user) to NTT TC Leasing ⑤ NTT TC Leasing (owner) pays the property price to the sales company (seller). ① Conclude a lease contract between the customer (user) and NTT TC Leasing ② Conclude a sales contract between the sales company (seller) and NTT TC Leasing ③ Delivery of the property from the sales company (seller) to the customer (user). ④ Payment of lease fee from customer (user) to NTT TC Leasing ⑤ NTT TC Leasing (owner) pays the property price to the sales company (seller).

Difference from finance leases

  • Since leasing fees are calculated based on the property price minus the residual value, customers can use a property for a relatively small leasing fee.
  • Customers can set the lease term freely in accordance with manufacturing plans (plans for property usage).
  • Customers can implement off-balance sheet financing, even under the new lease accounting standards.
  • After a lease term ends, customers can choose to (1) re-lease, (2) purchase, or (3) return the property, depending on the state of the property.

Important notes

Customers are advised to check with their auditors in advance, as the customer will be responsible for making any decisions related to an operating lease.

For first-time customers: Leasing services at NTT TC Leasing

Inquiries regarding leases

New leases and financing

Department in charge: Each individual branch
Hours: 9:00 to 17:00
Monday to Friday (excluding holidays and year-end and New Year holidays)

Toll free0120-810-110(for all branches)
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Inquiries regarding transfers, changing payment methods, cancellations, pricing, customers facing issues after natural disasters, and other matters

Department in charge: Business Support Center
Hours: 9:00 to 17:00
Monday to Friday (excluding holidays and year-end and New Year holidays)

Toll free0120-255-805
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