狡猾的商人

[Track]

 

[eclipse]

他的问题是cost of borrow和2.99%利率对不起来

完全对的上啊，cost of borrow就是他两年里以2.99%借了46408.5按每月还755.79，总计还的利息

 

[uglyducking]

算不了这帐，买房买车从不贷款，全款, certified check。住得舒心，无压力。只有一问题：开车32年，没有一次claim, 白交了32年车险

这么有钱，可以放贷开保险公司嘛

 

[gocanoeing]

有点道理

46,408.50 * 2.99% * (24/12) = $2,775.22

非常接近 $2280.21. 但车行总不会吃亏吧

也就是说你贷的款是为整个车，还算合理吧，毕竟你也不能只开三分之一个车

 

[uglyducking]

完全对的上啊，cost of borrow就是他两年里以2.99%借了46408.5按每月还755.79，总计还的利息

The cost of leasing a car is primarily based on the depreciation of the vehicle during the lease term, along with the applicable finance charges. It is not based on the full price of the car but rather on the difference between the car's initial value and its residual value (estimated value at the end of the lease).

The leased amount is essentially the depreciation cost, and the interest (or Money Factor) is applied to this amount. Additional fees, taxes, and sometimes a down payment can also contribute to the overall cost of leasing. Understanding these components is crucial when evaluating the total cost of leasing a car.

 

[zyu2024]

浏览附件1130037

今天学习了。谢谢了.

 

[ottawa_tj]

有点道理

46,408.50 * 2.99% * (24/12) = $2,775.22

非常接近 $2280.21. 但车行总不会吃亏吧

第一个月的loan是46408.5， 第二个月就少了几百，利息每月也在递减。。。。

车行不挣你的利息钱，他们挣你的service费，因为你必须去他们那里service吧？

 

[奋斗不止]

你Lease的车是属于车企的，车行赚的是销售佣金；你没必要到车行去做service,除非是质保和召回的问题（因为免费）
我每两年lease一辆车，从不在车行做小保养（换机油和机滤），也没按其要求做大保养（四轮定位和换各种filter等）。

 

[uglyducking]

你Lease的车是属于车企的，车行赚的是销售佣金；你没必要到车行去做service,除非是质保和召回的问题（因为免费）
我每两年lease一辆车，从不在车行做小保养（换机油和机滤），也没按其要求做大保养（四轮定位和换各种filter等）。

看来不能买lease return的车

 

[奋斗不止]

我只是不去dealer而已，没说不做任何保养！