lease vs buy

[fish99]

如果车价一样，利率一样的话，lease期满后再把车买下来，和一开始就把车买下来，总费用是一样的吗？这样的话，lease刚开始可以付比较少的钱就可以把车拿下。

 

[jagar]

按道理不应该一样，lease完你可以不买，所以应该lease类型的你要最终多付点，具体车型不一样吧，有的车型买是零利率，lease不可能零利率吧

 

[init0]

lease是最赔钱的方式，没有之一。

 

[dole]

如果车价一样，利率一样的话，lease期满后再把车买下来，和一开始就把车买下来，总费用是一样的吗？这样的话，lease刚开始可以付比较少的钱就可以把车拿下。

利率一样当然Lease了，即便是利息稍高一点也是lease核算

 

[uestcca101]

如果车价一样，利率一样的话，lease期满后再把车买下来，和一开始就把车买下来，总费用是一样的吗？这样的话，lease刚开始可以付比较少的钱就可以把车拿下。

利率一样，当然lease合算。前几年，lease 利率远高于finance, 所以不合算，这几年好像lease的利率降了不少。

 

[uestcca101]

lease是最赔钱的方式，没有之一。

利率都一样，最终交的一样多。lease 后交更合算。do your math.

 

[闲丸]

似乎没发现lease和买车利率一样的捏。lz说说是什么车？

 

[YINGWA]

如果车价一样，利率一样的话，lease期满后再把车买下来，和一开始就把车买下来，总费用是一样的吗？这样的话，lease刚开始可以付比较少的钱就可以把车拿下。

Finance: You can sell the car, it is like Mortgage, you can sell your own without the approval of bank.

Lease: You don't own the car, and you CAN only ask someone to TAKEOVER the lease.

Why Lease is cheaper than Finance.

After you finished your lease, you can pay a certain of amount and then you own the car. I.e. you finance the FULL value of the car, if you lease, you only finance difference between (Full value of the car MINUS the remaining amount after lease, or they call it "BUY back").
The remaining amount depends on car. Hence, Leasing Japanese car is cheaper than American car. A four year old Japanese worths (percentagewise) much much higher than American car.

If you want to drive brand new car for every FOUR years, and you don't want to spend money (and trouble) fixing cars (which starts to come out after six or seven years), lease is quite a good option, if not, finance or pay full amount (Best option). Finance interest rate is different from mortgage which is AMORTIZED which car finance is FLAT Rate.

Anyway, car dealers want those walk in all sign a contract. When customer says Finance is too high, well, there is a cheaper option, LEASE.

Lease, Finance, pay full amount, buy used car, buy after lease car, buy demo cars, depend on personal need, priority, financial situation, etc etc. Not easy.

 

[hcloud]

如果最后不买下来， lease不用交residual value的税。

 

[月下独酌]

似乎没发现lease和买车利率一样的捏。lz说说是什么车？

http://www.mini.ca/en/special_offers/index.html
http://www.bmw.ca/ca/en/insights/special_offers/special_offers10.html
Most of Audi

etc etc etc

 

[init0]

如果最后不买下来， lease不用交residual value的税。

如果最后没买下来，而且车身有伤，车行会让你交一笔钱，到时候BMW会用激光测试你车四周的漆，力图找到一切损坏。

 

[YINGWA]

Interesting article I posted before.

如果最后没买下来，而且车身有伤，车行会让你交一笔钱，到时候BMW会用激光测试你车四周的漆，力图找到一切损坏。

I agreed totally.

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

 

[月下独酌]

如果最后没买下来，而且车身有伤，车行会让你交一笔钱，到时候BMW会用激光测试你车四周的漆，力图找到一切损坏。

没那么多屁事情

车停在那里bumper上被人蹭掉1cm宽10cm长那么一条漆都没收我钱。

而且我都跟人家说了，完全不是因为没看到

 

[YINGWA]

没那么多屁事情

车停在那里bumper上被人蹭掉1cm宽10cm长那么一条漆都没收我钱。

而且我都跟人家说了，完全不是因为没看到

If you lease another car, then usually they won't charge you.
Or you are LUCKY, and others may not.

 

[init0]

没那么多屁事情

车停在那里bumper上被人蹭掉1cm宽10cm长那么一条漆都没收我钱。

而且我都跟人家说了，完全不是因为没看到

这事情真有，检查至少还包括Rim和轮胎。