请问各位 financing 和lease有什么区别？？

[渥村passer-by]

RT
求解释一下。。。

 

[uglyducking]

Financing: after the term, you own the car. You pay full hst of purchase cost.
Lease: after the term, dealer owns the car. You pay hst only for the portion of what you use.

 

[YINGWA]

Financing: after the term, you own the car. You pay full hst of purchase cost.
Lease: after the term, dealer owns the car. You pay hst only for the portion of what you use.

You also have the option: Buy back, which is the estimated remaining value of the car after lease (according to market value).
Hence, two cars of different makes but SAME price may have different finance and lease rates. The one with higher resale value after lease term has higher Buy back and cheaper lease, providing they have the same finance and lease rates.
If LZ doesn't want buy back, better lease a car with HIGH resale value.
Example: MALIBU is a nice car, roomy and quite good on gas (as an American car) but used car value is not that great. Reason - car rental companies buy a lot of malibu (FLEET) and after certain period, they dump the whole fleet into used car market. (I read from newspaper last week).
I am not a car dealer, and there are members of CFC who can provide you with more professional advice. My 2 cents only.

 

[jmm]

还有一点， lease， 在还车的时候， 要注意， 轮胎纹路不能少于多少， 车身不能有大的碰撞痕迹，公里数， 不能超过限定。 否则的话， 车行会charge you .leasde , 也不是车行拥有车， 是贷款公司拥有， 如是 toyota, is toyata finacning, Hongda, is Hongdai financing, GM is GMAC financing. 如果你是自雇， leasing, 可抵税 。

 

[YINGWA]

还有一点， lease， 在还车的时候， 要注意， 轮胎纹路不能少于多少， 车身不能有大的碰撞痕迹，公里数， 不能超过限定。 否则的话， 车行会charge you .leasde , 也不是车行拥有车， 是贷款公司拥有， 如是 toyota, is toyata finacning, Hongda, is Hongdai financing, GM is GMAC financing. 如果你是自雇， leasing, 可抵税 。

Also, better remove those wheel caps, when you return your leased car, put them back. A set of 4 wheel caps can cost you 600 +

 

[渥村passer-by]

guys thank you very much Learnt lots!!!!

 

[YINGWA]

An interesting article, by WHEELS.ca auto writer, Lorraine Sommerfeld

http://www.wheels.ca/Columnists/article/793944