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#leasing_vs_buying #lease_vs_buying #should_I_lease #is_leasing_good #is_leasing_bad #is_leasing #lease_vs #pcp #finance_vs_buying #cash_vs_lease #leasing #what_is_leasing #leasing_explained #best_lease #cheapest_lease #rory_reid #auto_trader_ukКомментарии:
Price rises on new cars mean that 2 or 3 year old cars are now sold by dealers for pretty much their original sale price. Depreciation has hit the original buyer but dealer markup has negated any benefit for the second buyer. Keeping a car long term is the only way to lower depreciation.
ОтветитьVery strange calculations, given the situation of the market. I went through couple of cars over last three years, passenger cars and panel vans - all for small company I own. Got some of them brand new, some of them second hand, one or two years old - new cars were simply not available . Some were sold after three years of ownership, some after two years. On average, every car got 15k miles a year. Every single one of them was sold for more than I paid for them new, mostly due to Covid supply chain madness or the fact, that you need to wait for new one at least a year, sometimes 18 months or more, which caused the price of used cars to spike.
ОтветитьI do not get how you get the numbers for the value after x years. For example the last one, the Audi A8. 60% after not even four years? That seems to be a lot. When I look up this car with the first registration in 2020 most of them cost about 52.000 to 58.000 Euro.
ОтветитьTry buying a Land Rover....
ОтветитьIs he talking about PCP and HP Finance? I don't understand this LEASE thing feels pretty American
ОтветитьNot all can afford a car for cash…what about the interest in case of buying one?
ОтветитьTwo different aspects that weren’t mentioned.
1. The figures were based on buying at full retail, any discount negotiated at point of purchase can be subtracted from the overall cost of buying to selling.
2. For someone who physically has the cash to buy, the interest they could gain leaving the money invested and leasing instead, can be deducted from overall cost of a lease.
You don’t take into account the interest you get on your cash if you leave it in a savings account, which could be as much as£5000 over three years
ОтветитьNobody's mentioned opportunity cost. Spend £100k on a porsche and you're giving up around 5% interest on that money (2023)
ОтветитьIf anything, this further validates the arguments against leasing. If you own it, you pay just a little more to maintain equity in the car and have the option to drive it longer after the initial lease period. Unless you treat a car like a phone, a lease doesn’t make sense in my opinion.
ОтветитьBuy a 3 year old car with 3 years finance. Keep it for 2 years after you've finished paying for it then sell it for half of what you paid. I do this all the time. My average monthly payments for a car is about £80
ОтветитьBending the numbers just to have a minimal edge, common just say you want to lease cars
ОтветитьIs there any consideration for the equity of the vehicle that you're purchasing? You can use that vehicle as a trading value towards another vehicle when you're ready to get out of your vehicle. In a lease the vehicle that you're leasing, you don't have any equity.
ОтветитьFinance the car over 60 months, drive it for another 7 years and sell it for about $3000 with less than 150,000 km. Then see how much you pay leasing 4 cars for 12 straight years and see how much you spend
ОтветитьBut when leasing you have to follow their rules like certain amount of km/miles per year.
ОтветитьAre the insurance and mandatory (via dealer) costs, tyre condition costs higher with a lease car? Ie Running costs higher to keep at a standard when hand back
ОтветитьWhy not work the numbers over 6 years?
The cost of back to back leases vs 1 purchase
be interesting to see the total costs to purchase via a PCP or similar once you add in around 8% interest as most people don't but a new car in cash.
ОтветитьI haven’t come across a lease deal that make sense add your deposit and your payment the the cost of the car when u send it back then look at the same deal when you hp it became the biggest mistake people forget you have the assets at the end of the deal which u hand back to the lease company if you lease who then sells that car for £16000 after 3 years so you have that handed back
ОтветитьThey tell you leasing is better because they are getting a rebate from the finance companies
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