觉得Lease车不划算

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，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.
”
https://www.reddit.com/r/persona ... _own_a_new_vehicle/

我的bmw 51k msrp lease 0 down 一个月399，这还不算太好的deal，三年下来14400+2600 reg/doc/taxes = 17000。九年才相当于跟新车花费一样，还省了第3-9年期间所有的保养费用维护费用，还可以每三年换车。即使不考虑换新车的爽度加成，现金都要10-12年才追上，且越到后面旧车越容易坏，很可能永远追不上。

任何一个游戏都有可以获益方，大众赔不代表你也要赔

要划算，买旧车。新车买或lease都不划算。

新电车一定要lease，因为电车一年年新款降价比汽车快很多，lease可以止损。BMW经常有lease促销，抓住机会会比买合算。Audi对lease不友好，同样的新车价lease月供比BMW高很多，lease往往是很不合算的。

刚毕业的，前景不确定，lease一辆跑车先享受生活。小孩就要出生的，买一辆mini van十年内接送老小，一家出行，可靠实用。

大家别评论了，这人就是来找事吵架的。

总之，想花一样的钱，年年开新车么，天下没有免费的午餐。

补充内容 (2021-03-29 22:10 +8:00):
我比较的是，同样的钱，使用同样年数，lease（多辆）是不是比买（一辆）还划算，还可以年年新车。
其实，隔几年换新车，车本身还可以开，听着就觉得浪费，但不讨论这个。

Lease当然比长期的ownership要贵，但是如果你注定了3年就要换车，lease和买比

• 只付partial的税
• 如果被total了你没有net loss
• 一些residual value和市场行情价不对称的情况下，可以找到dealer愿意出更高的价来buy back你的end of lease。Potentially some equity
• 不用担心卖车的时候被人坑
  

当然不同的车residual value和MF不同，和买比谁更便宜都是case by case了。

个人经历，全款买了G01 x3 m40，2年后为了换车怕麻烦trade in了，跟lease相比其实2年的ownership cost更高。

ruizhang84 发表于 2021-3-28 08:45
总之，想花一样的钱，年年开新车么，天下没有免费的午餐。

当然了, 也没人说 lease 就是完美的解决方案. 正因为如此, 所以市面上有: lease, 买新车, 买二手车三种选项. 适用于三种不同需求的人群.

- 想总是开新车, 又不想折腾买卖车: lease
- 想拥有一辆自己喜欢的车: 买新车
- 想省钱: 买二手

只是对于很多人, 可能对车没有想长久持有的感情, 也不想花时间折腾. 科技行业的人也不差钱 - 而且很多人喜欢总是用最新科技的产品, 所以在地里看到的 lease 的人占多数.

AlstonLYG 发表于 2021-03-28 10:52:29
当然了, 也没人说 lease 就是完美的解决方案. 正因为如此, 所以市面上有: lease, 买新车, 买二手车三种选项. 适用于三种不同需求的人群.

- 想总是开新车, 又不想折腾买卖车:

不能只看地里吧 现实中肯定lease的是少部分

zwzbill8 发表于 2021-3-28 10:42
不能只看地里吧 现实中肯定lease的是少部分

是啊, 我没说 lease 是世界上最常见的...
我只是表达 "一亩三分地大家买车贴 lease 讨论比较多的原因是什么", 因为 lz 帖子发在这里, 我读出的暗含的意思就是 "为什么我看到大家都lease, 但是我觉得 lease 并不合算啊"

关于第一条more expensive over long run。对的，但是：

总付出成本肯定是高的，但每个月break down下来并不一定，原因是，一般lease的时间是3年，签lease的时候一般会有提到3年后的purchase价格，这个价格是减去这三年自然折损之后的价格，3年到期的时候你可以按这个purchase买下来，也就是以这个purchase价格为基础再做5-6年的贷款。（而你直接finance新车的话，一般最长就是6年。）

所以相当于总共你可以分8-9年来付清这个车的钱。

另外如果lease期间车况保持得不错，lease结束的时候买下来其实比买外面的二手车风险低多了，毕竟知根知底。

缺点是这么做的隐形代价比较高，lease+purchase中间七七八八的手续费实在不划算，但again，每月账面上付的钱肯定少于直接买新车做贷款的月付。对于月收入不高又想长期拥有好车的人也是条路。

一般来说如果你想要六年以下换新车的话，lease是比较划算的。

Leasing更容易被宰， 举个例子，车如果total了，lease就是血亏。同样，如果选择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，lease的里程数是限制的，超出部分特别的贵。这个反倒提到的比较少，但是没有行驶的自由，很不方便的。所以，新车，适合面子，家用不划算。

mark818 发表于 2021-3-29 01:18
Lease当然比长期的ownership要贵，但是如果你注定了3年就要换车，lease和买比

只付partial的税

如 ...

你说的total不对。车如果total了，首先会损失所有的downpayment，同时如果保险公司赔的比车行少，自己要补足这部分。（通常是，车行胡乱要价，要补一大笔钱）。当然，可以买相应的额外保险cover多出来的部分，但是就又要多掏钱了。。