p****g
发帖数: 1 | 1 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，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。
最后，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. |
b******s
发帖数: 5329 | 2 nothing is free.
方便，总开新车，基本没修车问题，你的付出就是钱要多付。
其实前几年也许差不多，租车，你每月固定几百块。买车，前几年也要差不多几百块付
你的车贷的。区别在于，付完车贷后，你买车就可以除维护费用外没有车的每月开支了
，但租车的话，你每几年就要退车然后去租新车，继续每个月固定几百块。 |
l*********i
发帖数: 16 | |
l*******g
发帖数: 27064 | 4 对bba来说，恐怕不一定多付了
好比bmw，之前有人0 down 月付400出头拿下msrp 接近59k的五系
这车三年后也就值30k出头吧，买下恐怕要多掏几千块
【在 b******s 的大作中提到】
: nothing is free.
: 方便，总开新车，基本没修车问题，你的付出就是钱要多付。
: 其实前几年也许差不多，租车，你每月固定几百块。买车，前几年也要差不多几百块付
: 你的车贷的。区别在于，付完车贷后，你买车就可以除维护费用外没有车的每月开支了
: ，但租车的话，你每几年就要退车然后去租新车，继续每个月固定几百块。
|
S*******s
发帖数: 361 | 5 正解。
【在 l*********i 的大作中提到】
: 因为你不会lease lol
|
G****A
发帖数: 4160 | 6 加州10%税，一辆车买来不开个十年八年根本不合算，不如租 |
R***W
发帖数: 1 | 7 加州扯淡的不是8%的税
这个税率不算太高。
加州非常扯淡的是trade in不能抵税。
你买个7w的车，要交5千6的税。如果你trade in一个4w的车，很多其他州都可以抵税，
等于你交3w的税，两千四就行了。甚至有的州都不需要trade in，比如密苏里，你只要
180天内（之前之后都可以）把旧车卖掉（私人dealer都行），等于证明你是换车的，
那就可以抵税。
操蛋的加州交税永远都是按找purchase price交，rebate incentive什么的都只能抵税
后的价格，等于逼着人一辆车开到死，或者lease。再加上很多人开公司做现金生意，
lease车都能算business expense，比买车划算多了。 |
H**r
发帖数: 10015 | 8 lease是有些人用business expense的办法
如果都是常规用自己口袋里的钱付，谁会那么蠢去lease？ |
a****d
发帖数: 1 | 9 楼主的说法其实就是：
一辆车开三年不如开十年省钱
: 加州10%税，一辆车买来不开个十年八年根本不合算，不如租
【在 G****A 的大作中提到】
: 加州10%税，一辆车买来不开个十年八年根本不合算，不如租
|
a****d
发帖数: 1 | 10 其实湾区的话稍微热门的车价格本身也偏高
毕竟一辆车如果5w，在村里非学区是半个house了，湾区非学区也得一个M的话这还不够
一个厕所
: 加州扯淡的不是8%的税
: 这个税率不算太高。
: 加州非常扯淡的是trade in不能抵税。
: 你买个7w的车，要交5千6的税。如果你trade in一个4w的车，很多其他州都可以
抵税，
: 等于你交3w的税，两千四就行了。甚至有的州都不需要trade in，比如密苏里，
你只要
: 180天内（之前之后都可以）把旧车卖掉（私人dealer都行），等于证明你是换
车的，
: 那就可以抵税。
: 操蛋的加州交税永远都是按找purchase price交，rebate incentive什么的都只
能抵税
: 后的价格，等于逼着人一辆车开到死，或者lease。再加上很多人开公司做现金
生意，
: lease车都能算business expense，比买车划算多了。
【在 R***W 的大作中提到】
: 加州扯淡的不是8%的税
: 这个税率不算太高。
: 加州非常扯淡的是trade in不能抵税。
: 你买个7w的车，要交5千6的税。如果你trade in一个4w的车，很多其他州都可以抵税，
: 等于你交3w的税，两千四就行了。甚至有的州都不需要trade in，比如密苏里，你只要
: 180天内（之前之后都可以）把旧车卖掉（私人dealer都行），等于证明你是换车的，
: 那就可以抵税。
: 操蛋的加州交税永远都是按找purchase price交，rebate incentive什么的都只能抵税
: 后的价格，等于逼着人一辆车开到死，或者lease。再加上很多人开公司做现金生意，
: lease车都能算business expense，比买车划算多了。
|
l**k
发帖数: 45267 | 11 Lease通常可以谈到比买车更优惠的价格，因为车还回去时还有60%多残值，dealer还能
再卖一次，懂不懂？而且以lease的方式把车开回家后马上你就可以付清余款
the
payment
year.
get
000
lot
instead
''
off
decent
least
you
need
lease
as
【在 p****g 的大作中提到】
: 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，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。
: 最后，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
|
