# Leasing

> A lease is a financial method based on a contractual arrangement. A leasing object is financed by a lessor and transferred to a lessee against payment of a, for example monthly, instalment. The leased asset usually remains the property of the lessor.

Tink Germany helps you to improve your leasing processes as well as to minimize the manual processes, e.g. by pulling account statements automatically, by categorizing the account statements, and by calculation of customizable KPIs. 

## Used platforms

{% content-ref url="/pages/-MMGZLotDlDTXSMT-ne0" %}
[Analytics Platform (XS2A.risk)](/xs2a/integration-cs/platforms/risk.md)
{% endcontent-ref %}

## Used checks

{% tabs %}
{% tab title="account\_status\_check" %}
General information about the requested account (account balance, overdraft, etc.). The number of booking dates and bookings and also the average number of bookings per day serve as indicators to see if the account is active and consequently if a general view of the financial and actuarial situation is conveyed.
{% endtab %}

{% tab title="cashflow" %}
The cashflow supplies an overview of the financial situation of the account holder on a monthly level.
{% endtab %}

{% tab title="holder\_identification\_check" %}
The holder\_identification\_check verifies that the transmitted name corresponds to the account\_holder. This verification makes sure that the loan applicant is using his own account for the digital account check.
{% endtab %}

{% tab title="risk\_calculations\_check" %}
Risk\_calculations\_check can be configured as needed.
{% endtab %}
{% endtabs %}

## Expenditure

#### Vehicle Expenses

In the case of car leasing, it may be relevant to closely look at the current expenditures for vehicles. Will the newly leased car cause additional vehicle expenses or will it (partially) substitute the current expenses.

#### Vehicle Insurance

The insurance for vehicles can be a good indicator of the current vehicle situation of the account\_holder. Do other vehicles exist and depending on the range of the insurance rate what kind of vehicle? Vehicle insurances are often paid annually, so the average over the maximum available time frame should be considered.

## Example configuration

{% tabs %}
{% tab title="JSON" %}

```javascript
{
  "language": "de",
  "xs2a_risk_calculations_check": {
    "calculations": [
      {
        "categories": [
          "K.4.2"
        ],
        "functions": [
          "average_of_all_month_sums"
        ],
        "name": "Vehicle Expenses",
        "full_months": "3",
        "children_categories": "1",
        "match_tags_with_categories": "0"
      },
      {
        "categories": [
          "K.8.1.3"
        ],
        "functions": [
          "average_of_all_month_sums"
        ],
        "name": "Vehicle Insurance",
        "days": "365"
      }
    ]
  }
}
```

{% endtab %}
{% endtabs %}


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