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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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% d+ }& S7 P+ W" EFinancing vs. Leasing Comparison Chart
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/ n2 M" y+ Q+ U Lease Finance
& l9 y( w6 w/ e5 vTerm 48 Months 48 Months
, q. [1 o7 a& A) QInterest Rate 1.9% 0.9%
' k6 \: [- b+ k5 @! b4 fSelling Price $18,000.00 $18,000.00; q7 j$ }: d- N/ e/ I3 S6 a) K* m- s
Taxes N/A 9006 ]5 T. X d# ]+ {
Selling Price $18,000.00 $18,900.00
: b* |. P# r& Z) w; \Lease End Value$9,000.00 N/A8 ^- _9 ]3 C; A% h6 r
Base Payment $277.29 N/A
8 W1 x' H+ o0 X: x8 GTaxes on Payment $13.86 N/A
6 {, z3 H/ g) ?, p- uTotal Payment $291.15 $451.71 |
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