r*****l
发帖数: 1407 | 1 我发现就算是我打算最终买下来，lease仍然比finance 核算， 跟大部分网站说的都不
一样.
Lease 1.9%APR 0 down, 36months 48% residue
Finance 2.9%APR 48 months.
假定lease结束后用personal line-of-credit 把车买下了，利率prime + 1~2%，就算
是5%
3年还掉
总利息 (1-48%)*1.9%*3 + 48% * 5% + 32% * 5% + 16% *5% = 7.764%
6年总共给车行加上银行付相当于车价7.764%的利息
finance
1* 2.9% * 4 = 11.6%
6年总共给车行加上银行付相当于车价11.6%的利息...
所以我应该先lease再buyout...
这样算对么 |
s*******n
发帖数: 730 | |
r*****l
发帖数: 1407 | 3 不是很精确。大概方向对么......
或者指点下...
【在 s*******n 的大作中提到】
: 两个都算错了。
: 回去再算
|
j******e
发帖数: 90 | 4 不对，比如2.9%*4之类的
principle每月都在下降
其实你到网上搜个auto loan calculator一算就知道了
【在 r*****l 的大作中提到】
: 我发现就算是我打算最终买下来，lease仍然比finance 核算， 跟大部分网站说的都不
: 一样.
: Lease 1.9%APR 0 down, 36months 48% residue
: Finance 2.9%APR 48 months.
: 假定lease结束后用personal line-of-credit 把车买下了，利率prime + 1~2%，就算
: 是5%
: 3年还掉
: 总利息 (1-48%)*1.9%*3 + 48% * 5% + 32% * 5% + 16% *5% = 7.764%
: 6年总共给车行加上银行付相当于车价7.764%的利息
: finance
|
r*****l
发帖数: 1407 | 5 那么一开始做contract的时候，每个月的月供就已经包括了principle下降的这一部分?
月供是constant阿
【在 j******e 的大作中提到】
: 不对，比如2.9%*4之类的
: principle每月都在下降
: 其实你到网上搜个auto loan calculator一算就知道了
|
y****i
发帖数: 12114 | 6 1.9%APR 0 down
i think it should be
1.9%*3 + 48% * 5% + 32% * 5% + 16% *5% = 10.5% for lease
and i think you should not only consider the interest but also the total
cost. |
s**********d
发帖数: 36899 | 7 啥地方给你personal line of credit 5%???
就算5%tax, $20000的车，
买：$21000 2.9% 4年，=pmt(2.9%/12, 48, 21000)*48 = $22267
lease:
$20000, residue $9600, money factor 1.9%/24= 0.000791667
monthly depreciation = ($20000-9600)/36 = $288.89
monthly finance = ($20000+9600)*0.000791667 = $23.43
monthly total = ($288.89+23.43)*1.05 (tax) = $327.94
lease total: $327.94*36 = 11805.78
buy out: =$9600*1.05, 5% 3 years total =pmt(5%/12,36,10080)*36
= 10875.84
lease+buyout = $11805.78+10875.84 = 22681.62
再加上lease多收的手续费和buy |
r*****l
发帖数: 1407 | 8 结果是lease然后买断比直接finance省钱，这点真让我shock
【在 y****i 的大作中提到】
: 1.9%APR 0 down
: i think it should be
: 1.9%*3 + 48% * 5% + 32% * 5% + 16% *5% = 10.5% for lease
: and i think you should not only consider the interest but also the total
: cost.
|
y****i
发帖数: 12114 | 9 again, you should not only consider the interest but also the total cost.
most of the time, if you find something revolutionary, you are the wrong one
. |
