Calculatrice de leasing auto
The detailed guide below is currently available in English.
The three ingredients of a lease payment
Depreciation — the capitalized cost minus the residual value, spread over the months — is the bulk of the payment. The rent charge is the finance cost, computed on the average of the cap cost and residual, using the money factor; multiplying it by 2400 converts to a comparable APR. Lower the cap cost (negotiate), raise the residual, or cut the money factor and the payment falls.
Questions fréquentes
Why is leasing usually cheaper per month than buying?
You only pay for the part of the vehicle you use — the drop from price to residual — plus interest on it, rather than the entire price. The trade-off is that you own nothing at the end and face mileage and wear limits.
Should I put money down on a lease?
A cap-cost reduction lowers the payment, but cash paid on a lease is generally lost if the car is totaled or stolen early. Many advisors prefer zero down and a higher monthly payment for that reason.