购买和. 租车
Some people approach buying a car like they approach marriage, "'til death do us part." Others prefer to keep their options open, trading in every few years for the latest make and model, 最尖端的技术, 或者是最高马力. 哪个最适合你, we all face a similar decision when it comes to acquiring a car: finance, 租赁, 或者付现金.
买新车的时候, about one-quarter of consumers choose to 租赁, 而大多数人选择融资. From an investment perspective, which choice is best? That depends on your lifestyle, cash flow, and personal preferences.1
For many, paying cash for a car is the simplest way to get one. 当你开车离开停车场时, you own the vehicle outright and are free to do whatever you want with it. You face no penalties or mileage restrictions, and you have no monthly payments. However, you have paid cash for a vehicle that is expected to depreciate over time.
Financing a new car requires a smaller initial outlay of money, usually 20% or more of the vehicle's value, 以首付款的形式. 当你开车离开停车场时, the bank owns the car, not you. 和大多数贷款一样, you make monthly payments of principal and interest with the promise of eventual ownership. The amount of your payment depends on a variety of factors, 包括车的价值, 贷款期限, and the interest rate offered by the lender. Car dealers sometimes will offer "no money down" or low annual percentage rate loans, which can make financing more manageable.2
If you like to have a new car every few years, leasing is an approach to consider. Leasing a car is like renting an apartment. You pay a monthly fee to use the car for a specific amount of time, usually three to four years. Monthly payments are typically lower than when you finance since you are paying for the depreciation on the car while you drive it. In certain situations, 租赁 payments may also have tax considerations. 然而，租赁也有一些注意事项. 为一个, a 租赁 typically stipulates the number of miles you are permitted to drive during the course of the 租赁. 在你的租约结束时, you may face penalties if you have exceeded the total number of miles in the contract.3,4
Whatever your relationship with your car, it may eventually come time for a new one. 熟悉你的选择. You may find that changing your strategy makes sense in light of your lifestyle or financial situation.
1. 益百利.2023年6月1日
2. Investopedia.2023年1月9日
3. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. P租赁 consult legal or tax professionals for specific information regarding your individual situation.
4. Bankrate.2023年6月1日
