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rzhang20
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  • @2019-04-07
发表于:2021-03-23 08:18|只看楼主
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关于lease车划算不划算……

首先,要明白,不可能有什么便宜可占。因为市场化,买卖总是公平的。卖家亏,他们不会涨价的么……


其次,当买车的人多的时候,lease车也许相对划算。但当所有人都租车时,车价就会虚高,因为既然你能付得起,那就不妨多赚你一下。


最后,到点还车是个大坑,人家赚你各种手续费,人为刀俎我为鱼肉的感觉。


所以,觉得lease车划算不划算,似乎取决于别人都lease还是买车吧。

最后编辑rzhang20 最后编辑于 2021/03/23 08:19:39
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  • @2014-09-14
发表于:2021-03-23 09:08|只看TA
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到点还车是个大坑,人家赚你各种手续费

难道所有费用不是提前告知的么,最后还车才跳出来?

还没lease过,就是担心还车不顺利。。。比如挑车有刮擦之类

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rzhang20
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发表于:2021-03-23 09:16|只看楼主
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还车当然不一定不顺利。但是,想啊,能不能还车是我们还是车行说了算。。。人家随随便便收个清理打扫费,事先能谈出来么,也不算巧立名目。收不正常么。主要坑的是议价权(因为不能完全自由买卖)

最后编辑rzhang20 最后编辑于 2021/03/23 09:20:23
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rzhang20
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  • @2019-04-07
发表于:2021-03-23 09:31|只看楼主
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我觉得算lease不能只考虑车价,也要把可能收的费用考虑进来。说不定,人家车行都不靠车价赚钱(也许利息和费用就很有利润)。

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queenajxy
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发表于:2021-03-23 10:04|只看TA
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我一直lease车还车的时候收拾干净小刮痕,小坑瘪都没有追究啊。可能是还和租是同一个dealer

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julie2020
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发表于:2021-03-23 12:55|只看TA
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完全两种消费模式 lease或者finance或者买,dealer都有赚钱的手段。自己搞清楚,多quote,多做research就花得少一些。 同一个人如果lease被杀猪,直接买也捡不了便宜。
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rzhang20
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发表于:2021-03-23 13:47|只看楼主
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回复 6楼julie2020的帖子


因为lease的模式,比如没有所有权和定时还车,更容易被宰吧……举个例子,车如果total了,lease就是血亏。


总之,想一样的钱,年年新车么,天下没有免费的午餐。

最后编辑rzhang20 最后编辑于 2021/03/23 13:53:50
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julie2020
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发表于:2021-03-23 14:09|只看TA
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回复 6楼julie2020的帖子


因为lease的模式,比如没有所有权和定时还车,更容易被宰吧……举个例子,车如果total了,lease就是血亏。


总之,想一样的钱,年年新车么,天下没有免费的午餐。


rzhang20 发表于 2021-03-23 13:47

所以大家都坚持0downpay


总共付的钱不变 但是0down的好处就是即使total了,downpay没有损失。


当天lease交的钱只有第一个月的payment几百块。


那种广告里的每个月小几百,当天交好几千的不算deal,算杀猪价。

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rzhang20
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发表于:2021-03-23 21:26|只看楼主
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回复 8楼julie2020的帖子


0downpay的话,就要多掏利息。。。大部分情况下(因为downpayment少),利率也会高。

最后编辑rzhang20 最后编辑于 2021/03/23 21:31:09
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rzhang20
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发表于:2021-03-28 11:48|只看楼主
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刚看到的,觉得比我说得好多了,准确。。

1.Expensive in the Long Run

When you lease, you''re basically paying for the use of the vehicle for the first 2 or 3 years of its life - when the car depreciates the most. When your lease is over, you either have to lease another car or purchase one - either way you''re going to have monthly payments for a long time, whereas if you purchased a car to begin with, you would essentially drive it payment-free after you''ve paid off the loans.

2.Limited Mileage

Most leases have driving limits of between 10,000 and 15,000 miles per year. Anything over this amount will be penalized at a very high rate.

3. High Insurance Cost

Many people are surprised to learn that insuring a leased car can be way more expensive than they thought. Most leasing companies require you to get a higher level of insurance coverage on the vehicle - usually up to $300,000 in liability coverage. This can make your insurance payments a lot higher than if you had purchased a car instead.

4.Confusing

Dealers love leasing because most people don''t understand how it works. There are many ways dealers can pad their profits when you lease a car. Unless you''re extremely careful and thorough, you could end up paying a lot more than you should.

5.Hard to Cancel

Leasing is like signing a rental agreement. You can''t just walk away from it - there are stiff penalties if you do. If you purchased a vehicle instead, you could always sell it if you don''t want it anymore. With a lease, it''s practically impossible to terminate, although there are some options available.

6. Requires Good Credit

If you have bad credit, don''t even think about leasing. Overall financing costs during a lease are always higher than a loan because you never pay off any principal. Besides, most leasing companies require you to have a decent level of credit and a stable financial situation.

7.Lots of Fees

There are many fees associated with leasing that you won''t find anywhere else. In order to lease, you''ll need to pay an acquisition fee of at least $400, and a disposition fee of at least $200 at the end of the lease. In addition, there are an assortment of excessive "wear and tear" fees that you could be liable for when you turn in the vehicle. Leasing companies are notorious for charging high fees for small dings and scratches - so you need to be extra careful taking care of the vehicle as you drive.

8.No Customizations

If you like customizing your vehicle, forget about it. At the end of a lease, you need to return the vehicle in the same condition and configuration as you received it. This means no engine modifications, paint, or accessories such as spoilers.


https://www.reddit.com/r/personalfinance/comments/96pasl/any_drawbacks_in_leasing_to_own_a_new_vehicle/

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