p*********e
发帖数: 32207 | 1 【 以下文字转载自 Automobile 讨论区 】
发信人: cassis (KW), 信区: Automobile
标 题: Re: 稍微多说几句关于lease bmw的好处,和具体操作 (转载)
发信站: BBS 未名空间站 (Sat Mar 21 03:16:50 2015, 美东)
我觉得他说的大体上是对的，至少中心思想上。
Lease的车total掉的话，原则上你欠car company的钱相当于early buyout。这个early
buyout具体怎么算我不是很清楚，应该不完全是随时间线性递减的。保险公司陪的钱
比这个early buyout少得话，有GAP insurance的话由GAP insurance负责差价，否则是
你付。
举个极端例子吧，你lease个5万卖价的车，开出去第一天就total掉。假设没有down
payment，这时候的early buyout就应该是5万。保险公司多半不会按新车全价陪，假如
它只陪4万5的话，你（或者GAP)陪剩余的5千。
假如你事先付了5千首付，这时候early buyout应该是4万5，刚好和保险公司陪的一样
，所以GAP也不会启用。这种情况下你开了一天车就完全损失掉5千首付。这就是为什么
lease一般不推荐down payment（注意trade-in也相当于down payment)。GAP
insurance一般都是包在lease的acquisition fee里的，所以total了应该可以拍屁股走
人。
对BMW的lease，补充几点：
1) Acquisition fee is $725 standard, but the dealer is allowed to mark it up
to $925. This is $200 extra profit for the dealer.
2) Money factor is 0.0013 standard (at least for much of the time). Again
the dealer is allowed to mark it up by 0.0004 to 0.0017. Multiply it by 2400
you will know this means 1% higher interest. If you lease a $50K car, this
means roughly an extra $400/year on interest, or $1200 total for a 3 year
lease. This is a common trick by the dealer. You should absolutely insist on
the standard MF.
3) There is also a $300 disposition fee when you return the car at the lease
end. It can be waived if you lease another BMW.
4) Not sure if there is also a buyout fee. I won't buy out at the end (as it
defeats the purpose of leasing) so I didn't do much research. If you do buy
out at the end, then you paid extra money (acquisition + buyout fees)
compared to buy directly at the beginning. | c**********g
发帖数: 152 | 2 受用啊，赞!我发现我的disposition fee是$350 ....,另外上面的RENT CHARGE是怎么
算出来的啊？
early
【在 p*********e 的大作中提到】
: 【 以下文字转载自 Automobile 讨论区 】
: 发信人: cassis (KW), 信区: Automobile
: 标 题: Re: 稍微多说几句关于lease bmw的好处,和具体操作 (转载)
: 发信站: BBS 未名空间站 (Sat Mar 21 03:16:50 2015, 美东)
: 我觉得他说的大体上是对的，至少中心思想上。
: Lease的车total掉的话，原则上你欠car company的钱相当于early buyout。这个early
: buyout具体怎么算我不是很清楚，应该不完全是随时间线性递减的。保险公司陪的钱
: 比这个early buyout少得话，有GAP insurance的话由GAP insurance负责差价，否则是
: 你付。
: 举个极端例子吧，你lease个5万卖价的车，开出去第一天就total掉。假设没有down
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