r*****t
发帖数: 712 | 1 广告里说的monthly payment based on MSRP XXXXX，如果dealer那里的库存的该型号
车都比XXXXX贵，是不是monthly payment也会上去？广告里的那个payment价格基本是
拿不到的？ | P***0
发帖数: 368 | 2 It seems that you do not know how to calculate lease payment. Please google
it before you want this option.
Let's assume:
SP = Sale Price
DP = Down Payment/trade-in ....
RD = residual of the car after the term (e.g., 62% MSRP)
MF = money factor
RT = rate = money factor * 2400
TM = Term (36m, 48m or 60m)
Lease payment = depreciation + financial
a rough calculation is: To find the exact calculation, please use google.
depreciation = (SP - DP - RD%*MSRP)/TM
financial = (SP-DP + RD%*MSRP) * MF
Lease = (SP - DP) *(1/TM + MF) + RD% *MSRP * (MF - 1/TM)
Right now the lease rate is about 4.5% and loan rate is about 2% for 36m,
add 0.25% for each additional year. It is generally true that a higher MSRP
requires a higher payment (or alternatively a higher DP), but it is not
necessarily true. Sometimes for example, 3 yr lease BMW 535 is cheaper than
same year 335.
【在 r*****t 的大作中提到】
: 广告里说的monthly payment based on MSRP XXXXX，如果dealer那里的库存的该型号
: 车都比XXXXX贵，是不是monthly payment也会上去？广告里的那个payment价格基本是
: 拿不到的？
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