Auto lease calculator

Cara menggunakan Auto lease calculator

Apa yang dihitung dan kapan digunakan

Estimate a lease payment Dari the Harga, residual Nilai, Jangka waktu, dan rate. It splits the payment into the cost the car’s depreciation dan a finance charge.

Cara menggunakan, langkah demi langkah

1. Enter the vehicle Harga dan the residual Nilai Pada lease Selesai as a Persentase.
2. Enter your up-front payment, any trade-in, dan fees added sampai the lease.
3. Enter the term inci bulan, the Bunga Suku bunga (APR), dan the Pajak on Per buah payment.

Arti setiap input

• Residual – What the vehicle adalah expected sampai be worth at the end, as a percentage price.
• Dibayar up front – A Uang muka that reduces the capitalised Biaya.
• Suku bunga – APR. The money factor adalah APR ÷ 2400.

Cara membaca hasil

• Bulanan lease payment – Depreciation, Keuangan charge, dan any Pajak.
• Total Biaya the lease – All payments plus what you Gaji Pada the Mulai.

Rumus

Depreciation = (capitalised Biaya − residual) ÷ Jangka waktu. Keuangan charge = (capitalised Biaya + residual) × money factor. Payment = (depreciation + Keuangan charge) × (1 + Pajak Suku bunga).

Contoh perhitungan

A 35,000 car with a 60% residual (21,000), 2,000 down, dan 795 fees has a capitalised cost of 33,795. Over 36 months at 6% the depreciation adalah 355.42, the finance charge adalah 136.99, dan the payment adalah 492.40, so the lease costs 19,727 including the deposit.

Asumsi dan batasan

• Mileage limits dan wear charges are not included.
• You own tidak ada Pada the Selesai unless you Beli the vehicle.
• Fees dan rules differ by country dan by lender.

Kesalahan umum

• Comparing lease payments with loan payments without considering what you own Pada the Selesai.
• Forgetting mileage dan end-of-lease charges.

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