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Tool: Máy Tính So Sánh Thuê Xe Dài Hạn Hay Mua Xe — Máy Tính Trực Tuyến Miễn Phí | HomeCalcPro | In ngày:
Máy Tính So Sánh Thuê Xe Dài Hạn Hay Mua Xe — Máy Tính Trực Tuyến Miễn Phí | HomeCalcPro
Tính toán chính xác và tức thì với các công thức chuẩn cho Máy Tính So Sánh Thuê Xe Dài Hạn Hay Mua Xe.
Vehicle Lease vs Purchase Comparison
Net Out-of-Pocket Vehicle Ownership Cost
Transparent mathematical methodology explained in plain English.
Total Lease Cost = Down Payment + (Monthly Lease × Term) + Acquisition Fees | Total Purchase Cost = Down Payment + (Monthly Loan × Term) - Resale Equity ValueComputes cumulative cash outflows under lease and purchase contracts, offsetting vehicle residual market value retained by the purchaser.
Variables Explained:
- Vehicle MSRP / Price: Negotiated purchase or capitalized cost of vehicle.
- Lease Term & Payment: Monthly lease fee, term (36 mo), and cash down at signing.
- Loan Term & APR: Monthly finance payment and interest rate (e.g., 60 mo at 6%).
- Residual Value: Expected market resale value of the vehicle at end of period.
$38,000 Vehicle Comparison over 3 Years (36 Months)
Evaluating lease cash flow vs buying with 55% residual value.
- Total Lease Outflow (36 mo): $3,000 + ($420 × 36) = $18,120 out of pocket (Zero equity at turn-in).
- Buyer Total Payments (36 mo): $3,000 + ($680 × 36) = $27,480.
- Buyer Remaining Loan Balance at Mo 36: ~$14,200.
- Buyer Net Equity: $21,000 resale value - $14,200 loan = $6,800 equity.
- Buyer Net Cost: $27,480 payments - $6,800 equity = $20,680 net cost.
- Long-term benefit: If buyer keeps car for 6+ years, buying saves ~$7,500 compared to consecutive leases.
Câu Hỏi Thường Gặp (FAQ): Máy Tính So Sánh Thuê Xe Dài Hạn Hay Mua Xe
Click any question below to expand quick answers, formulas, and expert tips.
When is leasing a car better than buying?
Leasing is advantageous if you want lower monthly payments, always want to drive a car under manufacturer warranty, change vehicles every 2–3 years, or can deduct lease expenses for a business.
What are the main drawbacks of auto leasing?
Leasing builds zero long-term vehicle equity, imposes strict annual mileage caps (typically 10,000–15,000 miles/yr with costly overage penalties), and locks you into perpetual vehicle payments.