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有懂得汽车的leasing 和financing是怎么计算的吗?
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想换一两新车, 看了toyota mayfield 的例子, 如下, 我 比较感兴趣finance, 但是按照下面他们给的例子, 车子价值 18000, 税是900, 总价是18900. 但每个月要服451.71, 总共48个月, 这样我总共付给他们21682. 这那里是0.9%的利率. 四年利息总共服了将近3000的利息.
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; k: x0 Q7 |1 u! P% r, c/ aFinancing vs. Leasing Comparison Chart
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2 f' n: o* K: c( \ Lease Finance
! `# I: I R4 Z; K# J# I& VTerm 48 Months 48 Months
R1 [6 k& d8 a' vInterest Rate 1.9% 0.9%
# D8 B% d8 [9 F3 rSelling Price $18,000.00 $18,000.00$ s0 K9 l0 R! {; }* z. H; p7 q
Taxes N/A 900
7 F0 n5 @! A B7 u) k ySelling Price $18,000.00 $18,900.00( j4 u# {4 I( `8 e! [
Lease End Value$9,000.00 N/A/ d) W3 j$ f9 y
Base Payment $277.29 N/A3 K, V2 R( e" y8 ~) R0 b0 L
Taxes on Payment $13.86 N/A
) B' z3 y" E4 I! h3 KTotal Payment $291.15 $451.71 |
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