m******p
发帖数: 140 | 1 不知道3年后在哪,想lease车,但不太清楚lease到底是不是真的会省很多麻烦,比如撞坏
了,...不用自己花钱修?
新手,多指教. |
f****l
发帖数: 8042 | |
i******m
发帖数: 375 | 3 lease 一般都要求买全保，撞了都是用保险
【在 m******p 的大作中提到】
: 不知道3年后在哪,想lease车,但不太清楚lease到底是不是真的会省很多麻烦,比如撞坏
: 了,...不用自己花钱修?
: 新手,多指教.
|
y****3
发帖数: 778 | 4 2 drawback for lease: mileage limit and early termination. so if u don't
know what will happen in next 3 years, don't lease. |
m******p
发帖数: 140 | 5 上班代步车,MINI还是TOYOTA? 500/MONTH 预算. |
m******p
发帖数: 140 | 6 what do you mean"if u don't know what will happen in next 3 years, don't
lease". Will work in the same city about 3 years...after that, don't know.
【在 y****3 的大作中提到】
: 2 drawback for lease: mileage limit and early termination. so if u don't
: know what will happen in next 3 years, don't lease.
|
m******p
发帖数: 140 | 7 what do you mean"if u don't know what will happen in next 3 years, don't
lease". Will work in the same city about 3 years...after that, don't know.
【在 y****3 的大作中提到】
: 2 drawback for lease: mileage limit and early termination. so if u don't
: know what will happen in next 3 years, don't lease.
|
Z**4
发帖数: 1904 | 8 如果你不到三年要离开这个国家, 你要把leasepayment都付了, 或者找到人接你lease
才行.
【在 m******p 的大作中提到】
: what do you mean"if u don't know what will happen in next 3 years, don't
: lease". Will work in the same city about 3 years...after that, don't know.
|
y*******g
发帖数: 6599 | 9 都要离开了，直接赖账也行吧
lease
【在 Z**4 的大作中提到】
: 如果你不到三年要离开这个国家, 你要把leasepayment都付了, 或者找到人接你lease
: 才行.
|
l*********0
发帖数: 2508 | 10 500/m的预算可以上入门级luxury car了，还什么mini，toyota的 |
|
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m******p
发帖数: 140 | 11 500/month means cover lease+ insurance + gas. So probably low class car only
....:( |
I*D
发帖数: 40035 | 12 一般两种人lease车，一。有钱想开最新型号的车。二，不想拥有，只想短期使用，免
去卖车是的繁难。优点，一。缺点，经济上不划算。自己掂量吧。 |
m******p
发帖数: 140 | 13 Clear.
Lease 车要报税吗还是退税?
Thanks.
【在 I*D 的大作中提到】
: 一般两种人lease车，一。有钱想开最新型号的车。二，不想拥有，只想短期使用，免
: 去卖车是的繁难。优点，一。缺点，经济上不划算。自己掂量吧。
|
D**C
发帖数: 331 | 14 Don't about the current deal, but here is a lease deal I help my brother
figured out last year for your reference. (copy from old email, current deal
could be a little different)
2011 BMW 328i Sedan for 12K miles/yr
24 Month – Residual 68% of MSRP – Money Factor 0.00130 Base Rate
36 Month – Residual 63% of MSRP – Money Factor 0.00130 Base Rate
For a car with Premium Package, Value Package and Automatic with MSRP 38,050
, a 3 year lease with 12000 miles per year
MSRP: 38050
Selling price: 35850
Money Factor :0.00130
Residual: 63%
Bank Fee: $725 (This is rolled into your lease payment)
Monthly payment = $429 + sales tax rate for your state
Driveoff : First months payment + DMV fee + Misc fees (not to exceed $50) -
This is essentially a zero down lease.
BMW allows you to lower the money factor by putting down security deposits
which are refunded to you at the end of the lease. If you put down 7
security deposits (the maximum allowed) your monthly payment would be $399+
tax and the lease would look like this.
MSRP: 38050
Selling price: 35850
Money Factor :0.00081 (0.00130 - 7*0.00007)
Residual: 63%
Bank Fee: $725 (This is rolled into your lease payment)
Monthly payment = $399 + sales tax rate for your state
Driveoff : First months payment + DMV fee + Misc fees (not to exceed $50) -
This is essentially a zero down lease.
Fully Refundable security deposit = $3150 (7*450)
FYI - BMW has free scheduled maintenance which includes wear and tear items
like brakes etc on all its cars for 4 years/50000 miles
Why is this lease a good deal ?
1) It has a very good residual at 63%. The true residual of the car would be
around 52% which means BMW is subsidizing this lease by around 11% i.e. $
4186 (.11 * 38050)
2) It has a low interest rate at 3.12% or 1.9% if you put down the security
deposit
3) This lease is considerably cheaper than any of the competing cars like
Audi A4, Mercedes C Class, Infiniti G37, Lexus IS, Cadillac CTS
4) When a lease is priced like this, it is cheaper to lease it than buying
it even you consider owning the car for a long time.
Consider the math on this. Ill use California tax rate for example.
Say you lease this car for 3 years then re-lease a brand new one for years 4
through 6 and another brand new one for years 7 through 9
Monthly payment with 9.75% tax = $438
Over nine years total cost = 438 * 12 * 9 = $47304
Maintenance Cost
Tires = $700 * 3 (assuming one set of tires lasts 20000 miles)
Total lease cost over 9 years = 47304 + 2100 = $49404
If you buy
Total cost with tax = $39345 (=35850 * 1.0975)
If you finance at 4% over 5 years, Monthly payment = $725
cost including financing = $43500
Tires over nine years = $700 * 5 = $3500
Maintenance Cost of years 5 through 9 = $5000 ( @ $1000/yr - This is
conservative as BMW prices are higher)
Repair Costs - Year 5 -9 . Assume extended warranty contract for year 4-7 @
$3000 + $3000 repair cost for years 8 and 9 and for repairs not covered
under the extended warranty
Total Repair Costs = $6000
Assume car is sold for $4500 at end of 9 years - (this is rather generous
considering car has 108K miles )
IF buying - Total Cost of ownership for 9 years = 43500 + 3500 + 5000 + 6000
- 4500 = $ 53500
-------------
Comparing the two
Total cost of leasing over 9 years = $49400 and you're driving a new car
under warranty all the time
Total cost of owning over 9 years = $53500 and you're driving a old beat up
car. for half the time along with the risk of something major breaking down
and costing you even more
【在 m******p 的大作中提到】
: 不知道3年后在哪,想lease车,但不太清楚lease到底是不是真的会省很多麻烦,比如撞坏
: 了,...不用自己花钱修?
: 新手,多指教.
|
I*D
发帖数: 40035 | 15 如果自己有公司，肯定会有退税。个人税就不清楚了 |
m******p
发帖数: 140 | 16 :)
Very helpful. It is common sense that new cars once sold lose the value
right away.....Is this formula applied to most models or only luxuary cars?
Thank you for sharing.
deal
050
【在 D**C 的大作中提到】
: Don't about the current deal, but here is a lease deal I help my brother
: figured out last year for your reference. (copy from old email, current deal
: could be a little different)
: 2011 BMW 328i Sedan for 12K miles/yr
: 24 Month – Residual 68% of MSRP – Money Factor 0.00130 Base Rate
: 36 Month – Residual 63% of MSRP – Money Factor 0.00130 Base Rate
: For a car with Premium Package, Value Package and Automatic with MSRP 38,050
: , a 3 year lease with 12000 miles per year
: MSRP: 38050
: Selling price: 35850
|
D**C
发帖数: 331 | 17 You can use the same formula for all makes and models, you just need to plug
in different numbers.
Lease is not always cheaper vs buy, but in some cases, they are actually
cheaper.
You need to do your own home work to figure out.
?
【在 m******p 的大作中提到】
: :)
: Very helpful. It is common sense that new cars once sold lose the value
: right away.....Is this formula applied to most models or only luxuary cars?
: Thank you for sharing.
:
: deal
: 050
|
m******p
发帖数: 140 | 18 Is it a better deal? I am learning...(lease total is 38%?)
*Lease available on 2011 BMW 328i xDrive Sedan vehicles, valid through
November 30, 2011. Monthly Lease payments of $399 plus tax for 36 months 10,
000/miles a year based on MSRP of $37,665.00 with $888 down plus taxes and
fees. Total Lease payments are $14,364.00. See dealer for complete details.
deal
050
【在 D**C 的大作中提到】
: Don't about the current deal, but here is a lease deal I help my brother
: figured out last year for your reference. (copy from old email, current deal
: could be a little different)
: 2011 BMW 328i Sedan for 12K miles/yr
: 24 Month – Residual 68% of MSRP – Money Factor 0.00130 Base Rate
: 36 Month – Residual 63% of MSRP – Money Factor 0.00130 Base Rate
: For a car with Premium Package, Value Package and Automatic with MSRP 38,050
: , a 3 year lease with 12000 miles per year
: MSRP: 38050
: Selling price: 35850
|
m*******e
发帖数: 1569 | 19 日本车还是建议买，相对便宜，3年后residual value较高且容易出手。
lease的好处简单来说：开新车，不用担心卖旧车，月付相对买车要抵
不好的：有里程限制（你说的10,000/年），lease到期后所有的比较明显的损坏（车身
挂擦，轮胎，刹车过度磨损。。。）你都要掏腰包，另外必须全保。
车子的维护费用2者没有区别，bmw 4年/5w的保修不管买和租你都有享受。
lease的时候需要知道的基本情况
1.不要上来和人谈月供，你不是sales的对手
2.需要知道的：msrp,selling price,money factor(利息率），residual value (车辆
残值after lease)
3.主要砍的是：selling price.money factor和residual value应该是厂商有比较统一
的规定，但不排除dealer会markup,所以还是要掌握行情后与之互砍，要拿到market的
行情。
4.拿到3的所有数据后，代入以下link算出你的月供，和sales给你的比较
http://www.bankrate.com/calculators/auto/auto-lease-calculator.
5.不要放任何的down payment,万一车子total掉你一分钱都拿不回来。 |
J*****b
发帖数: 1067 | |
|
|
j***k
发帖数: 2719 | 21 very well done math. i agree... lease German and buy Japanese.
it just does not make sense to buy german cars, the maint. is way too
expensive.
one thing to point out, tires are a lot more expensive then the $700 figure
you used. its about $1200 for a set... car battery is also not included in
the warranty, about $700. all in all, more reason to lease than to buy a bmw.
deal
050
【在 D**C 的大作中提到】
: Don't about the current deal, but here is a lease deal I help my brother
: figured out last year for your reference. (copy from old email, current deal
: could be a little different)
: 2011 BMW 328i Sedan for 12K miles/yr
: 24 Month – Residual 68% of MSRP – Money Factor 0.00130 Base Rate
: 36 Month – Residual 63% of MSRP – Money Factor 0.00130 Base Rate
: For a car with Premium Package, Value Package and Automatic with MSRP 38,050
: , a 3 year lease with 12000 miles per year
: MSRP: 38050
: Selling price: 35850
|
h*********8
发帖数: 404 | 22 as for lease, if you can do multiple security deposit (not regular
downpayment), the money factor can be lowered, usually it can lower interest
rate as much as 2%.... |
x********o
发帖数: 228 | 23 请问如果lease三年后，决定要把车买下来，这个不会亏吧
就是把剩下的value finance ？
【在 m*******e 的大作中提到】
: 日本车还是建议买，相对便宜，3年后residual value较高且容易出手。
: lease的好处简单来说：开新车，不用担心卖旧车，月付相对买车要抵
: 不好的：有里程限制（你说的10,000/年），lease到期后所有的比较明显的损坏（车身
: 挂擦，轮胎，刹车过度磨损。。。）你都要掏腰包，另外必须全保。
: 车子的维护费用2者没有区别，bmw 4年/5w的保修不管买和租你都有享受。
: lease的时候需要知道的基本情况
: 1.不要上来和人谈月供，你不是sales的对手
: 2.需要知道的：msrp,selling price,money factor(利息率），residual value (车辆
: 残值after lease)
: 3.主要砍的是：selling price.money factor和residual value应该是厂商有比较统一
|
a****a
发帖数: 5763 | 24 then why do u fucking lease it ?
interest
【在 h*********8 的大作中提到】
: as for lease, if you can do multiple security deposit (not regular
: downpayment), the money factor can be lowered, usually it can lower interest
: rate as much as 2%....
|
b********i
发帖数: 1785 | |
m*******e
发帖数: 1569 | 26 可以，sale price 就是车的residual value, 如果还要finance的话利息比新车要高，
比较少人会这么做。
【在 x********o 的大作中提到】
: 请问如果lease三年后，决定要把车买下来，这个不会亏吧
: 就是把剩下的value finance ？
|
m*******e
发帖数: 1569 | 27 我在想这么做的原因是: 1 finance时间变长，你月供变少 2. 期约到了车子value超过
residual value,而且自己卖很容易出手 ３很喜欢这车，准备接着开下去
【在 x********o 的大作中提到】
: 请问如果lease三年后，决定要把车买下来，这个不会亏吧
: 就是把剩下的value finance ？
|
y*******g
发帖数: 6599 | 28 重新lease一辆不就好了？
【在 m*******e 的大作中提到】
: 我在想这么做的原因是: 1 finance时间变长，你月供变少 2. 期约到了车子value超过
: residual value,而且自己卖很容易出手 ３很喜欢这车，准备接着开下去
|
n***r
发帖数: 93 | 29 mark
----
发自 MITBBS快读 for Android Tablet/Phone v2.1
https://market.android.com/details?id=com.mitbbsreader.app&feature=search_
result#?t=W251bGwsMSwyLDEsImNvbS5taXRiYnNyZWFkZXIuYXBwIl0.
【在 m*******e 的大作中提到】
: 日本车还是建议买，相对便宜，3年后residual value较高且容易出手。
: lease的好处简单来说：开新车，不用担心卖旧车，月付相对买车要抵
: 不好的：有里程限制（你说的10,000/年），lease到期后所有的比较明显的损坏（车身
: 挂擦，轮胎，刹车过度磨损。。。）你都要掏腰包，另外必须全保。
: 车子的维护费用2者没有区别，bmw 4年/5w的保修不管买和租你都有享受。
: lease的时候需要知道的基本情况
: 1.不要上来和人谈月供，你不是sales的对手
: 2.需要知道的：msrp,selling price,money factor(利息率），residual value (车辆
: 残值after lease)
: 3.主要砍的是：selling price.money factor和residual value应该是厂商有比较统一
|
m*********1
发帖数: 359 | 30 If you buy regular one set tires, $700 is a reasonable number, however, most
of BMW equiped with RFT(run flat tire) is more expensive, $1200 is
reasonable number.
figure
bmw.
【在 j***k 的大作中提到】
: very well done math. i agree... lease German and buy Japanese.
: it just does not make sense to buy german cars, the maint. is way too
: expensive.
: one thing to point out, tires are a lot more expensive then the $700 figure
: you used. its about $1200 for a set... car battery is also not included in
: the warranty, about $700. all in all, more reason to lease than to buy a bmw.
:
: deal
: 050
|
|
|
m*********1
发帖数: 359 | 31 This is not a better deal.
MSRP $40K, selling price should be around $37200, basically 7% off.
no money down, 7% tax, You should shoot for $450/month with everything.
10,
【在 m******p 的大作中提到】
: Is it a better deal? I am learning...(lease total is 38%?)
: *Lease available on 2011 BMW 328i xDrive Sedan vehicles, valid through
: November 30, 2011. Monthly Lease payments of $399 plus tax for 36 months 10,
: 000/miles a year based on MSRP of $37,665.00 with $888 down plus taxes and
: fees. Total Lease payments are $14,364.00. See dealer for complete details.
:
: deal
: 050
|
m*********1
发帖数: 359 | 32 Mark.
It is a very good explanation so far in this board. I would suggest to
negotiate the selling price around 7% off. Also, European delivery will save
some money as will if you decide to buy a car more than $50k.
deal
050
【在 D**C 的大作中提到】
: Don't about the current deal, but here is a lease deal I help my brother
: figured out last year for your reference. (copy from old email, current deal
: could be a little different)
: 2011 BMW 328i Sedan for 12K miles/yr
: 24 Month – Residual 68% of MSRP – Money Factor 0.00130 Base Rate
: 36 Month – Residual 63% of MSRP – Money Factor 0.00130 Base Rate
: For a car with Premium Package, Value Package and Automatic with MSRP 38,050
: , a 3 year lease with 12000 miles per year
: MSRP: 38050
: Selling price: 35850
|
m*********1
发帖数: 359 | 33 From Bimmerfest, I learn that the price is still negotiable when you return
at the end of lease. At least CPO.
【在 m*******e 的大作中提到】
: 可以，sale price 就是车的residual value, 如果还要finance的话利息比新车要高，
: 比较少人会这么做。
|
S******4
发帖数: 2865 | 34 +1
I don't expect my Bimmer can sell more than the residual value. BMW resale
value is kind of terrible actually, and as said above, BMW subsidizes the
lease themselves.
That being said, I am looking at Audi and I think I might buy back at the
end of the lease because Audi resale is really good these days (not sure
what will happen in 3 years).
So yes, theoriatically, you might even make money by buying back a car for X dollars and sell it the next day for Y dollars.
【在 m*******e 的大作中提到】
: 我在想这么做的原因是: 1 finance时间变长，你月供变少 2. 期约到了车子value超过
: residual value,而且自己卖很容易出手 ３很喜欢这车，准备接着开下去
|
S******4
发帖数: 2865 | 35 老美都是这么干的。
Lease新车的缺点是，前三年depreciation是最多的，所以有点当冤大头的感觉。
如果我很喜欢这辆车的话，我可以继续开两年再把它卖了或trade in。我的州trade in
可以免税。
【在 y*******g 的大作中提到】
: 重新lease一辆不就好了？
|
m*******e
发帖数: 1569 | 36 for sure audi's resale value is so strong?
我记得去年我ld本来想租个A4 2.0T，结果sales给了个超低的residual value，超高的
monthly，后来发现相同的monthly可以租个m sports package的335i，果断放弃了audi
。如果真的resell value那么高的话，那audi的lease program就太操单了。
X dollars and sell it the next day for Y dollars.
【在 S******4 的大作中提到】
: +1
: I don't expect my Bimmer can sell more than the residual value. BMW resale
: value is kind of terrible actually, and as said above, BMW subsidizes the
: lease themselves.
: That being said, I am looking at Audi and I think I might buy back at the
: end of the lease because Audi resale is really good these days (not sure
: what will happen in 3 years).
: So yes, theoriatically, you might even make money by buying back a car for X dollars and sell it the next day for Y dollars.
|
