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Automobile版 - Lease车然后买下来
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话题: lease话题: leasing话题: financing话题: 买下来话题: purchase
1 (共1页)
s******s
发帖数: 53
1
3w出头的车,厂商有一个$2,000的lease cash,原来准备买下来的,dealer说如果
lease的话就能在车价上再便宜$2,000,买的话没有这个优惠。我想问,如果我现在
lease,等lease到期的时候再买下来,和现在直接买下来比,能不能省钱?lease和买
相比还多出哪些fee?比如acquisition fee什么的?是不是最终交完这些fee,当初的$
2,000优惠就不剩多少了?
c**e
发帖数: 4439
2
自己算算吧 lease再买 绝对被坑
s******s
发帖数: 53
3
能不能说的具体点?多谢。

【在 c**e 的大作中提到】
: 自己算算吧 lease再买 绝对被坑
df
发帖数: 319
4
In general people would go against buyout after leasing, but it's really
case by case. I am leasing towards a buyout in 4 years.
s******s
发帖数: 53
5
what made you decide to buyout after leasing? What about the extra fees?

【在 df 的大作中提到】
: In general people would go against buyout after leasing, but it's really
: case by case. I am leasing towards a buyout in 4 years.

d****n
发帖数: 12461
6
即使没有利息,一般最后会比直接买贵1000-3000。

【在 s******s 的大作中提到】
: 能不能说的具体点?多谢。
s******s
发帖数: 53
7
好吧。就是不知道什么原理,为什么最后贵1000-3000。

【在 d****n 的大作中提到】
: 即使没有利息,一般最后会比直接买贵1000-3000。
df
发帖数: 319
8
我的车,lease加现金买断,比直接现金价格便宜。
不知道这些人哪里得到的各种数据。
s******s
发帖数: 53
9
给讲讲怎么便宜?

【在 df 的大作中提到】
: 我的车,lease加现金买断,比直接现金价格便宜。
: 不知道这些人哪里得到的各种数据。

w***3
发帖数: 938
10
通常lease后再买,很难比一次买便宜
除非是dealer算错了,这个可能性真的很小。

【在 s******s 的大作中提到】
: 给讲讲怎么便宜?
相关主题
懂lease的朋友帮忙看看,谢谢大家帮忙给一个关于leasing后买车的意见
买车问题问个关于lease总价的问题,想不明白好像lease再买下来总价钱比直接付款买下来少呀?
lease payment questionLease车以为贬值快的最大误区
df
发帖数: 319
11
不是说了吗?leasing月费乘月数,加买断余值,比较现在全价买。
不知道这里说话的人是否lease过车。

【在 s******s 的大作中提到】
: 给讲讲怎么便宜?
df
发帖数: 319
12
这样算下来,少五百块。而且这个全价,是现金价。如果贷款,还得多二三千。

【在 df 的大作中提到】
: 不是说了吗?leasing月费乘月数,加买断余值,比较现在全价买。
: 不知道这里说话的人是否lease过车。

n***s
发帖数: 163
13
The differences between buy directly and lease to buy are:
1) Selling price. Usually it's the same between buy and lease.
2) Interest rate. Again it's usually the same.
3) Lease has extra acquisition and purchase option fees, about $1000 in
total.
So if you truly believe your selling price in a lease can be $2000 lower
than a direct purchase (which sounds fishy), lease to buy can be a good
option.
df
发帖数: 319
14
Not sure if that was your own experience. To my case, none was true. I got
more discounts on leasing, lower interest rate, no fee at buy out.

【在 n***s 的大作中提到】
: The differences between buy directly and lease to buy are:
: 1) Selling price. Usually it's the same between buy and lease.
: 2) Interest rate. Again it's usually the same.
: 3) Lease has extra acquisition and purchase option fees, about $1000 in
: total.
: So if you truly believe your selling price in a lease can be $2000 lower
: than a direct purchase (which sounds fishy), lease to buy can be a good
: option.

s*******d
发帖数: 17566
15
Lease里面最关键的是三个: Capital Cost(你买车的价格,不是窗口价),Money Factor(
贷款里面叫利息),Residual (Lease期满的车子残值,也是你期满后如果向银行买车的
价格)。 如果车厂和银行把Residual预估的较高,在车价和利息一样的情况下,你每
月租车费会小。但是最后如果买,可能发现原来定的Residual会比市场价高,这种情况
买下来就亏了。选择是1。和银行谈价格,2。还车,再去外面买。如果Residual估低了
,你每月的租车费是多付了,到期后当然买下来划算。我一个朋友Lease了一部新车价9
万的车子,开了36月后要还车时发现市场价比Residual高了15000, 他选择买下来,又
开了一年才卖掉,这一年白开,而且卖的时候还有赚。

的$

【在 s******s 的大作中提到】
: 3w出头的车,厂商有一个$2,000的lease cash,原来准备买下来的,dealer说如果
: lease的话就能在车价上再便宜$2,000,买的话没有这个优惠。我想问,如果我现在
: lease,等lease到期的时候再买下来,和现在直接买下来比,能不能省钱?lease和买
: 相比还多出哪些fee?比如acquisition fee什么的?是不是最终交完这些fee,当初的$
: 2,000优惠就不剩多少了?

s******4
发帖数: 1541
16
9万的车这么保值?911么?

Factor(
价9

【在 s*******d 的大作中提到】
: Lease里面最关键的是三个: Capital Cost(你买车的价格,不是窗口价),Money Factor(
: 贷款里面叫利息),Residual (Lease期满的车子残值,也是你期满后如果向银行买车的
: 价格)。 如果车厂和银行把Residual预估的较高,在车价和利息一样的情况下,你每
: 月租车费会小。但是最后如果买,可能发现原来定的Residual会比市场价高,这种情况
: 买下来就亏了。选择是1。和银行谈价格,2。还车,再去外面买。如果Residual估低了
: ,你每月的租车费是多付了,到期后当然买下来划算。我一个朋友Lease了一部新车价9
: 万的车子,开了36月后要还车时发现市场价比Residual高了15000, 他选择买下来,又
: 开了一年才卖掉,这一年白开,而且卖的时候还有赚。
:
: 的$

n***s
发帖数: 163
17
That's based on my research on leasing in general and my experience with BMW
in particular. If your experience is significantly different, you can share
your case and we will all learn.
Here's the reasoning to back my 3 claims:
1) Selling price
The sales department makes money on the selling price of the car, regardless
of who pays the bill. In leasing it's the financing company paying the bill
and in a direct purchase it's either the financing company (if the purchase
is financed) or the customer himself (if he pays all in cash). Tell me why
the selling price would be different between direct purchase and leasing. Of
course, sometimes the financing company may offer some incentive to lure
you into using their financing (typically with above-market interest rate).
But this is not unique to either leasing or buying.
2) Interest rate
In a lease, you're financing through the car maker's own financing company.
In a direct purchase, if you're also using the car maker's own financing
company (the common case), tell me why the interest rate would be different
between the two cases.
3) Leasing fees
I believe the acquisition fee up front and the disposition or purchase
option fee in the end are standard practice in a lease. What company doesn't
charge these fees?
Again, if your case is so different, it will only help if you share the
details of the deal.

【在 df 的大作中提到】
: Not sure if that was your own experience. To my case, none was true. I got
: more discounts on leasing, lower interest rate, no fee at buy out.

1 (共1页)
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