{"id":3084,"date":"2018-03-06T00:14:20","date_gmt":"2018-03-06T05:14:20","guid":{"rendered":"http:\/\/yibababa.com\/?p=3084"},"modified":"2018-03-06T00:14:20","modified_gmt":"2018-03-06T05:14:20","slug":"%e5%9c%a8%e7%be%8e%e5%9b%bdlease%e6%b1%bd%e8%bd%a6%e6%94%bb%e7%95%a5","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/3084","title":{"rendered":"\u5728\u7f8e\u56fdLease\u6c7d\u8f66\u653b\u7565"},"content":{"rendered":"

\"001\"<\/a><\/p>\n

 <\/p>\n

\u5728\u7f8e\u56fd\u6ca1\u6709\u6c7d\u8f66\u662f\u975e\u5e38\u4e0d\u65b9\u4fbf\u7684\uff0c\u4f46\u5f88\u591a\u4eba\u5bf9\u4e8e\u8981\u8d2d\u4e70(Buy)\u6c7d\u8f66\u8fd8\u662f\u957f\u671f\u79df\u8d41(Lease)\u6c7d\u8f66\u975e\u5e38\u7ea0\u7ed3\u3002\u6709\u4e9bLease Deal\u5149\u770b\u6708\u4ed8\u989d\u6216\u8bb8\u611f\u89c9\u5f88\u4f4e\uff0c\u4f46\u80cc\u540e\u5374\u85cf\u6709\u4e0d\u5c11\u6761\u4ef6\u89c4\u5b9a\u3001\u91cc\u7a0b\u9650\u5236\u7b49\u300c\u9b54\u9b3c\u7ec6\u8282\u300d\uff0c\u6240\u4ee5\u7a76\u7adf\u662f\u4e70\u8f66\u8fd8\u662fLease\u5212\u7b97\uff0c\u771f\u7684\u662f\u89c1\u4ec1\u89c1\u667a\u3002<\/p>\n

\u79df\u8d41Lease<\/strong>\uff1a\u8ddf\u8f66\u5546\u79df\u8f66\uff0c\u6bcf\u6708\u9700\u4ed8\u79df\u91d1\uff0c\u79df\u8d41\u5408\u540c\u5230\u671f\u540e\uff0c\u53ef\u8003\u8651\u4e70\u4e0b\u6216\u628a\u8f66\u9000\u56de\u3002
\n\u8d2d\u4e70Buy<\/strong>\uff1a\u76f4\u63a5\u8ddf\u8f66\u5546\u5c06\u8f66\u4e70\u65ad\uff0c\u6bcf\u6708\u9700\u4ed8\u8f66\u8d37(\u4e00\u6b21\u4ed8\u6e05\u8005\u9664\u5916)\uff0c\u4f60\u662f\u8f66\u5b50\u6240\u6709\u8005\u3002<\/p>\n

\u79df\u8d41\u597d\u8fd8\u662f\u8d2d\u4e70\u597d\uff1f<\/span><\/h3>\n

\u5148\u7b80\u5355\u6765\u8bc4\u4f30\u4e00\u4e0b<\/p>\n

\u8bc4\u4f30\u524d\u6709\u4e2a\u5927\u524d\u63d0\u8981\u6ce8\u610f\uff0c\u4fe1\u7528\u5bf9\u4e8eLease\u8f66\u6765\u8bf4\u975e\u5e38\u91cd\u8981\uff01\u9664\u4e86\u8981\u6709\u826f\u597d\u7684\u4fe1\u7528\u7eaa\u5f55\u4e4b\u5916\uff0c\u6709\u4e9b\u53ef\u80fd\u8fd8\u4f1a\u8fdb\u884c\u80cc\u666f\u8c03\u67e5\u3002\u6240\u4ee5\u521a\u6765\u7f8e\u56fd\u7684\u7b2c\u4e00\u90e8\u8f66\u4e0d\u592a\u53ef\u80fdLease\u5230\uff0c\u5c24\u5176\u662f\u5982\u679c\u60f3\u8981Lease\u8c6a\u534e\u8f66\u7684\u8bdd\u3002<\/p>\n

1. Year<\/span>\uff1a\u6253\u7b97\u5f00\u8fd9\u90e8\u65b0\u8f66\u5f88\u4e45\u5417\uff1f
\n2. Mileage<\/span>\uff1a\u4f1a\u5927\u91cf\u4f7f\u7528\u54e9\u7a0b\u6570\u5417\uff1f
\n3. Cash<\/span>\uff1a\u624b\u4e0a\u73b0\u91d1\u662f\u5426\u7075\u6d3b\uff1f
\n4. Asset<\/span>\uff1a\u662f\u5426\u9700\u8981\u8fd9\u90e8\u8f66\u5f53\u8d44\u4ea7\uff1f\u4ee5\u5229\u7533\u8bf7\u5176\u4ed6\u8d37\u6b3e\u5982\u623f\u5b50\u7b49\u3002<\/p>\n

\u5982\u679c\u4ee5\u4e0a\u7684\u7b54\u6848\u4f60\u67093\u4e2aYes\uff0c\u90a3\u5c31\u4e70\u8f66\u5427\u3002\u5982\u679c\u53ea\u67091\u4e2aYes\uff0c\u90a3\u4f60\u6216\u8bb8\u53ef\u4ee5\u8003\u8651\u79df\u8d41\u6c7d\u8f66\u5594\uff01<\/p>\n

\u79df\u8d41\u8f66\u5b50\u7684\u5934\u671f\u6b3e\u548c\u6708\u79df\u91d1\u90fd\u6bd4\u4e70\u8f66\u4f4e\uff0c\u56e0\u4e3a\u79df\u8d41\u6240\u4ed8\u7684\u94b1\u53ea\u662f\u5728\u79df\u8d41\u671f\u95f4\u7684\u6c7d\u8f66\u6298\u4ef7\u90e8\u5206\uff0c\u800c\u4e0d\u662f\u8f66\u5b50\u603b\u4ef7\uff1b\u6bcf\u6708\u4ed8\u7684\u5229\u606f\u548c\u7a0e\u91d1\u4e5f\u53ea\u662f\u4ed8\u79df\u8d41\u671f\u95f4\u7684\u9884\u8ba1\u6298\u65e7\u3001\u8d22\u52a1\u8d39\u7528\u3001\u624b\u7eed\u8d39\u548c\u7a0e\u6536\u3002<\/p>\n

\u8c01\u9002\u5408\u79df\u8d41\u6c7d\u8f66\uff1f<\/span><\/p>\n

1. \u7ecf\u5e38\u6362\u8f66\u4e14\u559c\u6b22\u5f00\u65b0\u8f66\u8005
\n2. \u7528\u8f66\u91cc\u7a0b\u6570\u4e0d\u4f1a\u8d85\u8fc7\u9650\u989d\u8005
\n3. \u4fe1\u7528\u8fd8\u4e0d\u9519\u8005
\n4. \u624b\u5934\u73b0\u91d1\u6709\u9650\u8005<\/p>\n

\u79df\u8d41\u6c7d\u8f66\u7684\u4f18\u70b9\uff1a<\/span><\/p>\n

1. \u53ef\u5e38\u6362\u65b0\u8f66
\n2. \u53ef\u82b1\u66f4\u5c11\u94b1\u5f00\u66f4\u597d\u7684\u8f66
\n3. \u624b\u5934\u65e0\u987b\u6709\u51c6\u5907\u8fc7\u591a\u73b0\u91d1\uff0c\u53ef\u66f4\u6709\u6548\u8fd0\u7528\u8d44\u91d1
\n4. \u79df\u8d41\u5408\u540c\u671f\u6ee1\u540e\u53ef\u9009\u62e9\u4e70\u4e0b\u8fd9\u90e8\u8f66\u3001\u7ee7\u7eed\u79df\u8d41\u6216\u6362\u53e6\u4e00\u90e8\u65b0\u8f66
\n5. \u5f00\u516c\u53f8\u8005\uff0c\u79df\u8d41\u8f66\u5b50\u53ef\u62b5\u7a0e\uff0c\u76f8\u8f83\u4e8e\u5f00\u4e00\u90e8\u65e7\u8f66\u53ea\u80fd\u62b5\u6298\u65e7\u8d39\u5212\u7b97\u8bb8\u591a
\n6. \u79df\u8d41\u671f\u95f4\u4eab\u539f\u5382\u4fdd\u4fee\u53ca\u5176\u4ed6\u670d\u52a1\uff0c\u6709\u4e9b\u54c1\u724c\u751a\u81f3\u63d0\u4f9b\u514d\u8d39\u4fdd\u517b\u670d\u52a1(\u9700\u89c6\u5382\u724c\u800c\u5b9a)<\/p>\n

\u79df\u8d41\u6c7d\u8f66\u7f3a\u70b9\uff1a<\/span><\/p>\n

1. \u6ca1\u6709\u8f66\u5b50\u7684\u6240\u6709\u6743
\n2. \u6bcf\u5e74\u4fdd\u9669\u8d39\u7528\u76f8\u6bd4\u8d2d\u4e70\u6c7d\u8f66\u9ad8\u4e00\u4e9b
\n3. \u82e5\u6bcf\u6708\u4f7f\u7528\u7684\u91cc\u7a0b\u6570\u8d85\u8fc7\u5408\u540c\u89c4\u5b9a\uff0c\u5c06\u987b\u652f\u4ed8\u989d\u5916\u8d39\u7528
\n4. \u5408\u540c\u671f\u95f4\u82e5\u6c7d\u8f66\u53d7\u635f\u6216\u53d1\u751f\u8f66\u7978\uff0c\u5c06\u987b\u652f\u4ed8\u7f5a\u6b3e
\n5. \u63d0\u65e9\u7ed3\u675f\u5408\u540c\u9700\u652f\u4ed8\u8fdd\u7ea6\u91d1
\n6. \u91cd\u89c6\u79df\u8d41\u8005\u7684\u4fe1\u7528(\u4f46\u4e5f\u6709\u90e8\u5206\u4e1a\u8005\u662f\u4e0d\u67e5\u4fe1\u7528\u7684)<\/p>\n

\u79df\u8d41\u6c7d\u8f66\u7684\u8d39\u7528<\/span><\/h3>\n

\u5148\u770b\u4e0b\u9762\u8fd9\u5f20\u56fe<\/p>\n

\"001\"<\/p>\n

\u4e00\u3001\u79df\u8d41\u6c7d\u8f66\u7684\u51e0\u4e2a\u539f\u5219<\/span><\/p>\n

1\u3001\u4e0d\u653e\u9996\u4ed8\uff08No downpayment\uff09<\/span><\/p>\n

\u4e0d\u653e\u9996\u4ed8\u7684\u539f\u56e0\u662f\uff1a\u5982\u679c\u4e0d\u5c0f\u5fc3\u51fa\u4e86\u610f\u5916\u60c5\u51b5\uff0c\u6bd4\u5982\u8bf4\u8f66\u5b50\u649e\u5230\u62a5\u5e9f\uff0c\u6216\u8005\u4f60\u60f3\u8ba9\u522b\u4eba\u6765\u63a5\u624b\u4f60\u7684lease\uff0c\u4f60\u653e\u5230\u8f66\u91cc\u7684\u9996\u4ed8\u662f\u62ff\u4e0d\u56de\u6765\u7684\uff0c\u6240\u4ee5\u6211\u6bcf\u6b21lease\u8f66\u7684\u65f6\u5019\u90fd\u4f1a\u9009\u62e90 down\u3002<\/p>\n

2\u3001Lease\u8f66\u548c\u4e70\u8f66\u4e00\u6837\uff0c\u5148\u780d\u4ef7<\/span><\/p>\n

Lease\u8f66\u548c\u4e70\u8f66\u4e00\u6837\uff0c\u90fd\u662f\u9700\u8981\u4f60\u6765\u780d\u4e0b\u8f66\u4ef7\u3002\u901a\u5e38\u6210\u4ea4\u4ef7\u683c\u780d\u5f97\u8d8a\u4f4e\uff0c\u6708\u79df\u91d1\u5c31\u4f1a\u8d8a\u5c11\u3002<\/p>\n

3\u3001Lease\u8f66\u5c3d\u91cf\u914d\u7f6e\u9ad8\u4e00\u4e9b<\/span><\/p>\n

\u9009\u914d\u7684\u529f\u80fd\u8981\u770b\u6bcf\u4e2a\u4eba\u7684\u9700\u6c42\u3002\u4f46\u662f\u4ece\u6027\u4ef7\u6bd4\u7684\u89d2\u5ea6\u6765\u8bb2\uff0c\u5f88\u591a\u8c6a\u534e\u8f66\u7684\u9009\u914d\u7684\u4ef7\u503c\u6bd4\u8f66\u4ef7\u6574\u4f53\u7684\u6298\u65e7\u7387\u66f4\u9ad8\u3002lease\u7684\u65f6\u5019\u53ef\u80fd\u6bcf\u4e2a\u6708\u53ea\u8981\u591a\u82b1$20~$30\u5c31\u53ef\u4ee5\u591a\u914d\u7f6e\u4e00\u4e9b\u6709\u66f4\u597d\u9a7e\u9a76\u4f53\u9a8c\u7684\u529f\u80fd\uff0c\u4e0d\u7136\u5c31\u53ea\u662f\u79df\u4e86\u4e2a\u88f8\u8f66\u4e86\u3002<\/p>\n

\u4e8c\u3001\u5173\u952e\u7684\u51e0\u4e2a\u6570\u5b57<\/span><\/p>\n

1\u3001Manufacturer’s Suggested Retail Price (MSRP)<\/p>\n

\u5b98\u65b9\u552e\u4ef7\uff1a\u5c31\u662f\u8f66\u7a97\u4e0a\u9762\u8d34\u7740\u7684\u90a3\u4e2a\u4ef7\u683c\uff0c\u6240\u4ee5\u4e5f\u53ebsticker price\u3002\u6211\u627e\u5230\u8fd9\u4e2a\u8f86\u8f66\u7684\u4ef7\u683c\u662fMSRP$44,450\u3002<\/p>\n

2\u3001Selling Price<\/p>\n

\u5b9e\u9645\u552e\u4ef7\uff1a\u5c31\u662f\u4f60\u780d\u8fc7\u4e4b\u540e\u7684\u4ef7\u683c\u3002\u5f53\u65f6\u780d\u5230\u4e86$38,100\uff0c\u5927\u698213% off MSRP\u3002<\/p>\n

3\u3001Incentives and Rebates<\/p>\n

\u5404\u79cd\u4f18\u60e0\uff1aBMW\u6700\u5e38\u89c1\u7684\u5c31\u662fCollege Graduate Program\u3002 \u56e0\u4e3a\u4e70\u8f66\u524d\u540e\u5c31\u7528\u4e86\u4e00\u4e2a\u5468\u672b\u7684\u65f6\u95f4\uff0c\u6240\u4ee5\u6211\u5f53\u65f6\u6ca1\u6709\u82b1\u65f6\u95f4\u53bb\u7814\u7a76rebates\uff0c\u6240\u4ee5\u662f0\u3002<\/p>\n

4\u3001Residual Value<\/p>\n

\u6b8b\u503c\uff1a\u5c31\u662f\u4f60\u5f00\u8fc736\u4e2a\u6708\u4e4b\u540e\u8f66\u5b50\u7684\u5269\u4f59\u4ef7\u503c\u3002\u8fd9\u4e2a\u662f\u5382\u5bb6\u4e00\u5f00\u59cb\u5c31\u89c4\u5b9a\u597d\u7684\uff0c\u4f46\u662f\u6570\u5b57\u6bcf\u4e2a\u6708\u90fd\u4f1a\u53d8\u52a8\u3002\u9700\u8981\u53bb\u7f51\u4e0a\u6216\u8005dealer\u95ee\u5f53\u6708\u7684\u6570\u5b57\u624d\u53ef\u4ee5\u77e5\u9053\u3002\u5f53\u65f6\u6211\u7684RV\u662f\u5b98\u65b9\u552e\u4ef7MSRP\u768462%\uff0c\u6b8b\u503c\u4e3a$27,559\u3002<\/p>\n

5\u3001Months<\/p>\n

\u79df\u8f66\u65f6\u95f4\u957f\u77ed\uff1a\u6700\u5e38\u89c1\u7684\u662f36\u4e2a\u6708\u3002\u4e5f\u670924\uff0c30\uff0c\u751a\u81f339\u4e2a\u6708\u3002\u6211\u5f53\u65f6\u79df\u7684\u662f36\u4e2a\u6708\u3002<\/p>\n

6\u3001Money Factor (MF)<\/p>\n

\u5229\u606f\uff08interest rate\uff09\uff1a\u8fd9\u4e2a\u662f\u79df\u8f66\u7684\u8d22\u52a1\u6210\u672c\uff0c\u5177\u4f53\u7684\u6570\u5b57\u6bcf\u4e2a\u6708\u90fd\u7531\u5382\u5bb6\u5b98\u65b9<\/strong>\u66f4\u65b0\u3002<\/p>\n

\u8fd9\u4e2a\u53ef\u4ee5\u901a\u8fc7\u652f\u4ed8\u53ef\u9000\u8fd8<\/strong>\u7684\u62b5\u62bc\u91d1\uff08Multiple Security Deposit\uff09\u6765\u964d\u4f4eMF\uff0c\u6bcf\u4e00\u4e2a\u5382\u5bb6\u7684\u89c4\u5b9a\u90fd\u4e0d\u4e00\u5b9a\u3002<\/p>\n

BMW\u539f\u6765\u6700\u591a\u53ef\u4ee5\u653e7\u4e2aMSD\uff0c\u6bcf\u4e00\u4e2aMSD\u5c31\u662f\u4e00\u4e2amonthly payment\uff0c\u6bcf\u4e00\u4e2aMSD\u53ef\u5c06MF\u964d\u4f4e.00007\u30027\u4e2aMSD\u53ef\u5c06MF\u75310.0013\u964d\u81f30.00081\uff0c\u5bf9\u5e94\u7684\u5229\u7387\u75313.12%\u964d\u81f31.94%\uff0c\u8d22\u52a1\u6210\u672c\u964d\u4f4e\u4e86\u7ea637.7%\uff0c\u5f88\u662f\u5212\u7b97\u3002<\/p>\n

\u4f46\u662f\u4ece2017\u5e745\u6708\u5f00\u59cb\uff0cBMW\u5b98\u65b9\u53d6\u6d88\u4e86MSD\u7684\u653f\u7b56\uff0c\u6240\u4ee5\u4e4b\u540e\u5927\u5bb6\u8d2d\u8f66\u6ca1\u6709\u529e\u6cd5\u901a\u8fc7\u653e\u4e00\u4e9bMSD\u6765\u8fbe\u5230\u964d\u4f4e\u5229\u7387\u7684\u4f18\u60e0\u4e86\u3002<\/p>\n

\u4e09\u3001\u8ba1\u7b97\u8d39\u7528<\/span><\/p>\n

1\u3001\u6bcf\u6708\u7684\u8d2c\u503c\u6210\u672c<\/p>\n

(Capitalized Cost – Residual Value) \/ Number of Months (\u6700\u7ec8\u8d2d\u4e70\u4ef7\u683c – \u6b8b\u503c) \/ \u79df\u8d41\u6708\u4efd<\/p>\n

\uff08$38100 – $27559\uff09\/ 36 = $292.81<\/p>\n

2\u3001\u8d22\u52a1\u6210\u672c<\/p>\n

(Capitalized Cost + Residual Value) * Money Factor \uff08\u6700\u7ec8\u8d2d\u4e70\u4ef7\u683c + \u6b8b\u503c\uff09x \u5229\u7387<\/p>\n

\uff08$38100 + $27559)*0.00081 = $53.18<\/p>\n

3\u3001\u7a0e\u524d\u6708\u4ed8\u989d<\/p>\n

Depreciation + Finance Charge = Lease Payment \u8d2c\u503c\u6210\u672c+\u8d22\u52a1\u6210\u672c = \u7a0e\u524d\u6708\u4ed8\u989d<\/p>\n

$292.81 + $53.18 = $345.99<\/p>\n

4\u3001\u7a0e\u52a1\u53ca\u5176\u4ed6\u7684\u6742\u8d39\uff08\u4e00\u6b21\u6027\uff09<\/p>\n

Acquisition Fee – \u8d37\u6b3e\u516c\u53f8\u7684\u8d22\u52a1\u624b\u7eed\u8d39\uff0cBMW\u901a\u5e38\u6536\u53d6$795<\/p>\n

Sales Tax – \u5dde\u7a0e\uff0c\u6839\u636e\u4f60\u6240\u5728\u5468\u7684\u7a0e\u7387\u6765\u8ba1\u7b97\u3002\u6211\u6240\u5728\u7684\u57ce\u5e02\u662f8%\uff0c\u597d\u9ad8\u3002<\/p>\n

Governmental Fees – \u4e00\u822c\u6765\u8bf4\u662f\u6ce8\u518c\u6c7d\u8f66\u4ee5\u53ca\u8fc7\u6237\u7b49\u8d39\u7528\uff0c$300 – $500\u4e0d\u7b49\u3002<\/p>\n

Document Fees – Dealer\u6536\u53d6\u7684\u670d\u52a1\u8d39\uff0c\u4e00\u822c\u662f$80-$200\u4e0d\u7b49\u3002<\/p>\n

\u6700\u540e\u7684\u8d39\u7528<\/span>\uff1a<\/p>\n

\u7b97\u4e0b\u6765\u6742\u8d39\u52a0\u8d77\u6765\u7ea6\u4e3a$1300<\/span>\uff0c\u8fd9\u4e2a\u65f6\u5019\u8fd8\u53ef\u4ee5\u548cdealer\u518d\u804a\u4e00\u4e0b\uff0c\u8fd0\u6c14\u597d\u7684\u8bdddealer\u4f1a\u613f\u610f\u5e2e\u4f60\u518d\u627f\u62c5\u4e00\u90e8\u5206\u8d39\u7528\u3002\u6700\u540eDealer\u7ed9\u6211\u51d1\u4e86\u6574\uff0cDrive off $800\u3002<\/p>\n

Tips<\/span><\/h3>\n