The Basics of Automobile Leasing懂汽车租赁
 

There’s a shiny new Pontiac G6 parked in your next-door neighbor’s driveway.有一个明亮的新皮蒂亚克通信处停泊在你比邻的车道. Standing proudly next to it is a gleaming new Jeep Grand Cherokee.傲立旁边是一个簇新大切诺基吉普车. This is the second time in four years that your neighbor and his wife have driven home on brand-new sets of wheels.这是四年来的第二次,你的邻居和夫人驱车回家全新套轮子. Unless you live right next to state lottery winners or an organized crime family, there could be a more plausible explanation for your neighbors’ seemingly good fortune: they might be leasing.除非你住壤国家或有组织的家庭占30%,会有一个更加振振有词你邻居家看似好运:他们可能租赁.

What is automotive leasing?汽车租赁什么?

Automobile leasing is paying for the use of the car, rather than paying for the car itself.汽车租赁支付使用车内,而不是汽车本身支付. Monthly lease payments are based on the projected cost of the vehicle’s depreciation over the period covered by the lease.每月租赁费是基于成本推算汽车的折旧超过租赁期内. For instance, suppose you lease a car valued at $20,000.例如,假如你租一辆车,价值2万元. Over the course of a three-year lease term, let’s suppose the car depreciates in value to $10,500.在过去3年的租期,让想车贬值至10,500. This depreciated value, also called the vehicle’s residual value, is subtracted from the car’s initial value.这一贬值,也称车辆的残余价值,减去车的初值. The difference between the two values, in this case $9,500, is what you will be paying for the duration of the lease.两者的价值,在这种情况下9,500,是您将支付的租赁期限. Leases typically last for two four years, with leases on high-end vehicles and luxury cars sometimes stretching up to five years.契约通常为期两个四年关于契约与高端车和豪华轿车,有时伸展至五年. When your lease expires, you have the option of either buying the vehicle or moving on to a new lease.当你的契约到期后,你可选择购买汽车或移动到一个新契约.

What are the benefits and drawbacks of leasing?什么是租赁利弊?

Monthly lease payments are generally lower than monthly loan payments on the same vehicle, assuming that the lease and the loan have the same duration.每月租赁费是普遍低于每月支付贷款于同车假设有租赁和贷款期限相同. Leasing lets you drive a new vehicle every few years depending on the length of your lease.让你驾驶一辆新车租赁每隔几年长短取决于你租用. Additionally, leasing allows you to drive a more expensive and feature-packed vehicle for the same monthly payment you’d be making to buy a lower-priced model.另外,租赁让您驾驶更昂贵和专题片,每月为同一车辆就会被制作购买低价示范. Your leased vehicle comes with a warranty while it’s in your use.你是用租的车辆保修而它在你使用. Furthermore, automobile leasing saves you the trouble of selling your used car or trading it in when you’re ready to buy a new one.此外,汽车租赁节省你的麻烦你用汽车或出售交易资讯在您准备购买新公司. Moreover, you may also write off a portion of your lease payments as a business expense if you have a legitimate business use for the vehicle.此外,你也注销了部分租赁费为您牺牲,如果你有一个合法营业营业用汽车. Ask a qualified accountant or tax professional about the eligibility requirements for the tax write-off.问一个合格的会计或税务专业资格的税务注销.

While leasing offers several benefits, it also has its share of drawbacks.有几个好处,同时租赁,也有它的缺点份额. One disadvantage is that vehicles on lease programs have annual mileage limits, usually 15,000 miles per year.不利之处在于车辆租赁八点档年度里程限制,通常每年15000英里. If you exceed the mileage limit, you will be charged a predetermined amount for every excess mile.如果你的里程超过极限,你将会被控预定额超过每英里. Another drawback to leasing is the slew of fees and charges that you will have to pay at the beginning and end of the lease.另一个缺点是批给租赁费,你将要付出的开端而年底租约. Among these additional fees are the lease acquisition fee, the lease disposal fee, and the lease finance charge.其中购置附加费租赁费、处置费租赁、融资租赁费. There are also extra charges for extended warranties, insurance coverage, and other items.还有额外延长担保费,保险复盖面,以及其他事项. Furthermore, if you terminate the lease before the lease period is over, you will be assessed an early termination penalty.此外,如果你终止租赁契约期间结束前,你将提前终止处分. Another disadvantage to leasing is that you will have to return the vehicle when the lease expires, unless you choose to purchase the vehicle at lease-end.另一个缺点是,你要租赁就要回到车上当租约届满,除非你选择购买汽车租赁式.