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tods5eshoes · Wysłany: Czw 15:51, 10 Mar 2011 Temat postu: north face series 0380

Low deposit, low repayments - Are auto Leases the ideal way to finance your new vehicle
In the past figuring out how to pay for your new vehicle was pretty easy - you could take out an auto loan or you could take whatever finance package your dealer offered. Now things are different. There are dozens of ways in which you can pay for your purchase. Currently the most popular is to take out an auto lease deal.
Auto leases are very like vehicle rental agreements. The biggest difference is the contract lasts much longer.
As the name suggests, you don't actually own the vehicle when you take out an auto lease. The leasing company owns the vehicle and then leases it to you. When the lease expires you return the vehicle. If you are within your agreed mileage target and the vehicle has suffered no worse than normal wear and tear then you can simply work away
As the lease company gets the vehicle back at the end of the lease they will be able to sell it at the pervading market value. The charges to you are based on the difference in purchase price and this residual value. Lease companies pay very close attention to the prices for second hand vehicles to ensure that this residual value is as accurate as possible.
Here's how it works. You negotiate a contract to buy a new vehicle for $24,[link widoczny dla zalogowanych], 000. You enter into a contract for the lease company to buy the vehicle and then lease it back to you. The contract is for 36 months with 10,[link widoczny dla zalogowanych], 000 miles per year mileage allowance. The lease company assesses the likely residual value to be $12, 000. The actual cost to the lease company is $12,[link widoczny dla zalogowanych], 000 plus expenses and profit margin.
Your auto leasing finance options are based on the $12, 000 that the leasing company is covering. Even with the lease company's administration and finance costs you are monthly charges are going to be a lot less than if you were financing the whole purchase price.
So instead of financing $30, 000 your lease effectively finances only $12, 000. Your monthly lease payments are going to be much lower than those of a $30,[link widoczny dla zalogowanych], 000 auto loan.
Most lease packages include an option to purchase at the end of the contract. Residual values are normally pretty conservative. So, provided you return the auto in good condition and inside your mileage limits the odds are that it will be worth more than the pre-defined residual value. You than have 3 options: 1. Buy the vehicle for the agreed residual value 2. Part exchange the vehicle and use the extra value as the deposit on your next lease vehicle. 3 You can hand the vehicle back and walk away.
Most people seem to take the trade in and enter into another lease contract.
There are downsides to auto leasing. In the long run it will always be more expensive than buying through an auto loan.
Auto leases work really well for people with stable lives. It is virtually impossible to get out of a lease contract early and excess mileage charges can be heavy. For the right people auto leasing is a great way to be able to drive a new vehicle every 3 years or so. Save hundreds of dollars on your next new auto. Auto leasing lets you drive a new car for less than you might think. For help and information on obtaining the auto loan or auto lease that is right for you visit http: //www. autoloan. jklblog. comTopics related articles：

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