Auto lease calculator

如何使用Auto lease calculator

它计算什么，何时使用

Estimate a lease payment 从 the 价格、residual 数值, 期限、rate. It splits the payment into the cost the car’s depreciation 和 a finance charge.

使用步骤

1. Enter the vehicle 价格 和 the residual 数值 以 lease 结束 as a 百分比.
2. Enter your up-front payment、any trade-in、fees added 至 the lease.
3. Enter the term 英寸 个月、the 利息 利率 (APR)、the 税款 on 每件 payment.

各输入项的含义

• Residual – What the vehicle 是 expected 至 be worth at the end, as a percentage price.
• 有薪 up front – A 首付 that reduces the capitalised 成本.
• 利率 – APR. The money factor 是 APR ÷ 2400.

如何阅读结果

• 每月 lease payment – Depreciation、财务 charge、any 税款.
• 总计 cost the lease – All payments plus what you 薪酬 以 the 开始.

公式

Depreciation = (capitalised 成本 − residual) ÷ 期限. 财务 charge = (capitalised 成本 + residual) × money factor. Payment = (depreciation + 财务 charge) × (1 + 税款 利率).

计算示例

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

假设与局限

• Mileage limits 和 wear charges are not included.
• You own 无 以 the 结束 unless you 买 the vehicle.
• Fees 和 rules differ by country 和 by lender.

常见错误

• Comparing lease payments with loan payments without considering what you own 以 the 结束.
• Forgetting mileage 和 end-of-lease charges.

常见问题

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