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Automobile版 - 马里兰/VA Lease车怎么算的
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1 (共1页)
l*******4
发帖数: 3054
1
为什么和cars.com edmund.com的lease calculator月供能相差100多刀?
还有,以下这种方法靠谱么?
Lease Payment Estimating
You can calculate a "bottom-line lease" that represents the very best deal
you could get. If you get payments within $20 a month of this (in a 36-month
lease), you will have done well.
To calculate a bottom-line lease payment you will need several figures:
MSRP of the vehicle. Find this price on Edmunds.com.
The money factor. This is the interest rate the lease is based on. To get
this, call the dealer or get the information from your credit union. A
common interest rate is 9 percent (as a money factor, this would be .00375).
Lease Term. Again, we recommend a 36-month lease to ensure warranty coverage.
Residual value of the car. Call the bank or dealer to find the residual
value. Most cars have a residual value of between 50 and 58 percent for a 36
-month lease.
Calculating A Sample Lease Payment
In the following example, we have chosen a vehicle that has a sticker price
of $23,000. You have negotiated the price down to $20,000. We'll also assume
that the interest rate is 9 percent and the residual value is 57 percent.
What are the monthly payments on a three-year lease?
The first step is to find out how much of the car's value you will use. In
other words, down the road three years, what will it be worth? In this
example, the MSRP of $23,000 is multiplied by the residual value of 57
percent.
$23,000 X .57 = $13,110
The car will be worth $13,110 at the end of the 36-month lease. Since the
car was worth $20,000 (after you negotiated it down) and it will be worth $
13,110, you will be using $6,890 of the car's value.
$20,000 - $13,110 = $6,890
The $6,890 is then broken into 36 monthly payments of $191.39.
Before you get excited about how low this payment is, remember that this
figure doesn't include interest or tax. Finding the interest amount is the
second half of the calculation. Interest on a lease is computed in a weird
way. You add the negotiated price of the car to the residual value and
multiply this by the money factor.
($20,000 + $13,110) X .0037 = $122.50
Finally, these two figures are added together to give you the approximate
bottom-line monthly lease payment.
$191.39 + $122.50 = $313.89
Remember, this figure does not include taxes or fees and doesn't take into
consideration any down payment or upfront money such as rebates or
incentives. The entire formula looks like this:
1. Sticker Price of the car + options $23,000
2. Times the residual value percentage X .57%
3. Equals the residual value = $13,110
4. Invoice price of car minus incentives (net capitalized cost) $20,000
5. Minus the residual (From line 3) - $13,110
6. Equals the depreciation over 36 months = $ 6,890
7. Depreciation (Line 6) divided by term in months ÷ 36
8. Equals the monthly depreciation payment = $ 191.39
9. Net capitalized cost (From line 4) $20,000
10. Plus the residual (From line 3) + $13,110
11. Equals = $33,110
12. Times the money factor X .0037
13. Equals money factor payment portion = $ 122.50
14. Monthly depreciation payment (from line 8) $ 191.39
15. Plus money factor payment portion (from line 12) + $ 122.50
16. Equals bottom-line monthly lease payment = $ 313.89
Don't forget that you haven't paid tax yet, and this is significant. To find
out how much tax you will pay, multiply the monthly lease payment by the
state sales tax. For this example, your vehicle will be leased in California
, which has an 9.25 percent sales tax:
$313.89 X .0925 = $29.03 This has increased your monthly payment to $342.92.
In the above example, you could reduce your monthly payment by putting more
money down. (Most leases require about $1,000 in "drive-off fees." Some of
this money is loan initiation, some of it is security deposit and some goes
toward the down payment.) The down payment would be subtracted from line 4,
the invoice price of the car.
While this calculation looks a bit complicated, it actually only takes
minutes to plug in the data and generate a lease payment. It's time well
spent, since this will guide you through the process and help you get a good
deal on a leased car.
1 (共1页)
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