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Best auto lease deals

2017 Mercedes-Benz GLC-Class GLC300 MSRP: $58,895

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2017 Land Rover Range Rover HSE MSRP: $101,800

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2017 Mercedes-Benz S-Class AMG S63 MSRP: $190,115

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2017 BMW X5 xDrive35i MSRP: $72,295

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2017 Mercedes-Benz SL-Class SL550 MSRP: $113,575

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2017 Mercedes-Benz GLE Class 400 MSRP: $73,345

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2017 Mercedes-Benz GLS-Class GLS450 MSRP: $88,635

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2017 Mercedes-Benz GLE-Class GLE350 MSRP: $58,990

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2017 Maserati Levante MSRP: $85,950

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2017 Audi Q7 MSRP: $53,548

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2017 Mercedes-Benz CLS-Class CLS550 MSRP: $84,390

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2018 Mercedes-Benz GLS Class 450 MSRP: $76,715

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2017 Mercedes-Benz E-Class E400 MSRP: $59,725

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2017 Maserati Quattroporte S GranLusso MSRP: $115,770

Monthly: Call Us

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2018 Mercedes-Benz GLS GLS 450 MSRP: $82,820

Auto lease calculator#Auto #lease #calculator


Auto Lease Calculator

Auto lease calculator

The Auto Lease Calculator can help estimate monthly lease payments based on total auto price or vice versa.

Auto Leases

A car lease allows a person to drive a car for a fixed period of time as they make monthly payments until the lease ends. It helps to think of it as a long-term car rental.

Quick Tip: Try not to terminate leases before their terms end, as heavy penalties will soon follow.

Generally, upkeep of regular maintenance such as oil changes are covered under warranties. Expenses for replacing worn car parts such as brakes or tires may fall to the lessee. However, faults attributed to the lessee (such as collisions of their doing) will most likely come out of their own pocket. Be sure to read the lease terms carefully as maintenance rules from lease to lease can differ greatly.

Most leases have mileage limits that penalize the lessee once the car is driven over the limit; they range anywhere from 5 to 20 cents per mile over.

Several things are required to calculate the monthly lease on any vehicle:

  • Auto Price or Capitalized Cost It is possible to try and negotiate this figure down (same strategy used for buying cars) for a more affordable lease. As a matter of fact, many experts claim it is better to negotiate with car salesmen as if buying the car outright, and only when a desired figure is reached should a potential lessee reveal that they intend to lease the car and not buy.
  • Money Factor This is sort of like interest rate, except applied specifically to car leases. Lessors use money factor as a way to hand out leases with rates corresponding to each lessee’s credit history. They generally work very similarly: the worse the credit history of the lessee, the higher their money factor will be, and the pricier each lease gets. To get the money factor, divide the APR on the lease by 24 or 2400 depending on whether it is expressed as a decimal or percent.
  • Lease Term the length of the lease. Most leases run between 2 to 4 years, with the majority of them lasting for 3 years.
  • Residual Value Sometimes called lease-end value. In essence, the residual value of a car is the amount it can be bought for at the end of the lease. Financial institutions that issue lease contracts set residual values on vehicles, not the dealers. It is essentially their expert guess as to what will be the worth of the car after the lease ends. The difference between the price of the car minus residual value will result in the depreciation of the car after a lease, which is amortized throughout the lease loan. Therefore, auto leases tend to be more affordable for slowly-depreciating vehicles because they hold their residual values well.

Explanation of How the Calculator Computes Monthly Leases

A car leasable for 3 years has an agreed upon value of $25,000 after negotiations on the auto price (capitalized cost). The lending financial institution for the lease has placed a residual value of $12,500 on the car after the 3 years and has given the borrowing lessee an APR of 6% after a down payment of $5,000. Assume that the down payment is solely to reduce the capitalized cost, not as payment for any upfront fees. For simplicity’s sake, we will assume that all fees have already been rolled into the auto price. The lessee is also willing to trade in a used car with a value of $2,000, and the transaction occurs in a state with a 6% tax rate.

Quick Tip: As a general rule of thumb concerning leases, seek low selling prices, high residual values, and low money factors. The best combination of all of these will most likely result in the most affordable car lease.

First, arrive at a true figure for the capitalized cost. In order to do this, subtract any trade-ins or down payments from the agreed upon value of the car. If there are no trade-ins or down payments made, simply use the original agreed upon value.

$25,000 – $5,000 – $2,000 = $18,000

Subtract the residual value as supplied by the financial institution,

$18,000 – $12,500 = $5,500

This is the amount that must be amortized over the life of the lease. Simply divide by the term, 36 months, to get the monthly depreciation:

Next, convert APR into money factor. Remember to use 24 or 2400, depending on expression of rate as decimal or percent,

Sum the capitalized cost and residual value, then multiply by the money factor to get the monthly interest charge,

($18,000 + $12,500) 0.0025 = $76.25

Sum the monthly depreciation and the monthly interest, then multiply this figure by the tax rate to get the monthly tax amount. If there is no sales tax, simply ignore this step.

Finally, add all three charges together to arrive at the monthly lease payment amount:

$152.78 + $76.25 + $13.74 = $242.77

Lease vs. Buy

Included underneath the calculated lease information is data conveyed as if the car was purchased instead of leased. Right off the bat, it is easy to see that upfront payments and monthly payments are much higher for purchased cars.

A popular reason for leasing is when the leased car can be written off as a business expense. Because leases are defined by the IRS as an operating expense, they can potentially be deducted from taxes. For those that enjoy frequently experiencing new cars, it may make more sense to lease rather than pay in full each time . Sometimes, people only need a car for short periods due to moves. Others may need to minimize monthly car payments for the next two to four years due to a tight budget. For these situations, leasing is usually better than buying. However, in general, there are few instances where it makes more financial sense to lease than to buy . Just like with rent, when the lease ends, there is no equity built. Also, because there is never actual ownership of the car as it is still legal property of the lessor, the lessee may not do as they please to the car- there are certain restrictions in place regarding what modifications may be done. While it is an important and potentially complex decision, our Auto Lease Calculator can help evaluate whether or not to lease or buy.

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    Auto leaseAfter 12 years of owning the same car, I was very indecisive and what I believed to be difficult to deal with. The staff was completely understanding, forthcoming, accommodating, and available all the time to answer my questions and give advice. Overall great experience.Auto lease

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    Auto leaseThe guys at YM Auto Lease are rock stars! Got me the best price on my BMW X1 and was so fast!! I had it two days later! Delivery was smooth, and everyone was friendly. I would recommend them to anyone I know. They earned a customer for life. Great experience from A to Z. Auto lease

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    Auto leaseOn top of making the usually incredibly annoying process of finding, negotiating, and leasing a vehicle completely hassle free, he found me the absolute best possible price on the exact car I wanted. What more can you ask for – the car you want, at the price you want, without any headaches. Auto lease

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    Auto leaseHands down these guys are the best in the business! Professional, reliable and patient, I have referred several of my friends and family to them and every one of them have thanked me for the referral after they secured their deals with YM Auto Lease. Thanks guys for the great experience.Auto lease

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    YM Auto Lease was founded with a transparent and value-added mission for the unmatched customer experience. Our selection of cars includes all makes and models, and our highly trained team can guarantee our clients to acquire the car they want at the price they need.

    Our relationships with wholesalers and high-volume dealers allow us to go over monthly rebates, interest rates, discounts and incentives so we can recommend that particular month’s best lease deals. We offer prices that are far lower than those offered by our competitors.

    Once a client identifies the vehicle he wants, pricing is presented upfront with ALL COSTS that will be due at signing. We assure that our client’s desired car gets delivered to their work or home in the quickest and most efficient way.

    Our services comprise of auto leasing, financing, trade-ins, and insurance. We invite you to put us to the test and see that our actions – and not just simply our words – surpass your expectations.

    Request a Free quote.

    You will recive an answer in 24 hours or less.

  • Auto Lease Calculator, auto lease.#Auto #lease


    Auto Lease Calculator

    Auto lease

    The Auto Lease Calculator can help estimate monthly lease payments based on total auto price or vice versa.

    Auto Leases

    A car lease allows a person to drive a car for a fixed period of time as they make monthly payments until the lease ends. It helps to think of it as a long-term car rental.

    Quick Tip: Try not to terminate leases before their terms end, as heavy penalties will soon follow.

    Generally, upkeep of regular maintenance such as oil changes are covered under warranties. Expenses for replacing worn car parts such as brakes or tires may fall to the lessee. However, faults attributed to the lessee (such as collisions of their doing) will most likely come out of their own pocket. Be sure to read the lease terms carefully as maintenance rules from lease to lease can differ greatly.

    Most leases have mileage limits that penalize the lessee once the car is driven over the limit; they range anywhere from 5 to 20 cents per mile over.

    Several things are required to calculate the monthly lease on any vehicle:

    • Auto Price or Capitalized Cost It is possible to try and negotiate this figure down (same strategy used for buying cars) for a more affordable lease. As a matter of fact, many experts claim it is better to negotiate with car salesmen as if buying the car outright, and only when a desired figure is reached should a potential lessee reveal that they intend to lease the car and not buy.
    • Money Factor This is sort of like interest rate, except applied specifically to car leases. Lessors use money factor as a way to hand out leases with rates corresponding to each lessee’s credit history. They generally work very similarly: the worse the credit history of the lessee, the higher their money factor will be, and the pricier each lease gets. To get the money factor, divide the APR on the lease by 24 or 2400 depending on whether it is expressed as a decimal or percent.
    • Lease Term the length of the lease. Most leases run between 2 to 4 years, with the majority of them lasting for 3 years.
    • Residual Value Sometimes called lease-end value. In essence, the residual value of a car is the amount it can be bought for at the end of the lease. Financial institutions that issue lease contracts set residual values on vehicles, not the dealers. It is essentially their expert guess as to what will be the worth of the car after the lease ends. The difference between the price of the car minus residual value will result in the depreciation of the car after a lease, which is amortized throughout the lease loan. Therefore, auto leases tend to be more affordable for slowly-depreciating vehicles because they hold their residual values well.

    Explanation of How the Calculator Computes Monthly Leases

    A car leasable for 3 years has an agreed upon value of $25,000 after negotiations on the auto price (capitalized cost). The lending financial institution for the lease has placed a residual value of $12,500 on the car after the 3 years and has given the borrowing lessee an APR of 6% after a down payment of $5,000. Assume that the down payment is solely to reduce the capitalized cost, not as payment for any upfront fees. For simplicity’s sake, we will assume that all fees have already been rolled into the auto price. The lessee is also willing to trade in a used car with a value of $2,000, and the transaction occurs in a state with a 6% tax rate.

    Quick Tip: As a general rule of thumb concerning leases, seek low selling prices, high residual values, and low money factors. The best combination of all of these will most likely result in the most affordable car lease.

    First, arrive at a true figure for the capitalized cost. In order to do this, subtract any trade-ins or down payments from the agreed upon value of the car. If there are no trade-ins or down payments made, simply use the original agreed upon value.

    $25,000 – $5,000 – $2,000 = $18,000

    Subtract the residual value as supplied by the financial institution,

    $18,000 – $12,500 = $5,500

    This is the amount that must be amortized over the life of the lease. Simply divide by the term, 36 months, to get the monthly depreciation:

    Next, convert APR into money factor. Remember to use 24 or 2400, depending on expression of rate as decimal or percent,

    Sum the capitalized cost and residual value, then multiply by the money factor to get the monthly interest charge,

    ($18,000 + $12,500) 0.0025 = $76.25

    Sum the monthly depreciation and the monthly interest, then multiply this figure by the tax rate to get the monthly tax amount. If there is no sales tax, simply ignore this step.

    Finally, add all three charges together to arrive at the monthly lease payment amount:

    $152.78 + $76.25 + $13.74 = $242.77

    Lease vs. Buy

    Included underneath the calculated lease information is data conveyed as if the car was purchased instead of leased. Right off the bat, it is easy to see that upfront payments and monthly payments are much higher for purchased cars.

    A popular reason for leasing is when the leased car can be written off as a business expense. Because leases are defined by the IRS as an operating expense, they can potentially be deducted from taxes. For those that enjoy frequently experiencing new cars, it may make more sense to lease rather than pay in full each time . Sometimes, people only need a car for short periods due to moves. Others may need to minimize monthly car payments for the next two to four years due to a tight budget. For these situations, leasing is usually better than buying. However, in general, there are few instances where it makes more financial sense to lease than to buy . Just like with rent, when the lease ends, there is no equity built. Also, because there is never actual ownership of the car as it is still legal property of the lessor, the lessee may not do as they please to the car- there are certain restrictions in place regarding what modifications may be done. While it is an important and potentially complex decision, our Auto Lease Calculator can help evaluate whether or not to lease or buy.

    Car Lease Calculator, auto lease calculator.#Auto #lease #calculator


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    Enter the MSRP (sticker price), the negotiated price, your down payment, your trade-in value, the lease length in months, the lending rate and the value of leased vehicle at the end of lease (Residual Value.)

    Click here to compare offers from four different lenders.

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    Written by Hugh Chu Revised by Nicholas Alston

    1996-2003 calculator.com All Rights Reserved

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    Leasing a Car – 5 Dumb Car Leasing Mistakes to Avoid, auto lease.#Auto #lease


    Leasing a car – 5 dumb car leasing mistakes to avoid

    Auto lease

    Car-leasing missteps

    People who lease a car usually do so because it allows them to drive a newer vehicle for less money than it would cost to buy one.

    But many drivers make the mistake of not reading the fine print before signing a contract, says Philip Reed, senior consumer advice editor at Edmunds.com.

    “People make a lot of mistakes when setting up their car leases, and it can cost them a lot of money,” he says. Here are five common car-leasing mistakes that consumers should avoid.

    Auto lease

    Paying too much money upfront

    Car dealers advertise low monthly lease payments on new autos, but consumers usually are asked to pay several thousand dollars at the beginning of the term to get the low payments, says Reed.

    That money is generally used to pay a portion of the car lease in advance. “But prepaying is a problem if the car is wrecked or stolen in the first few months,” says Reed.

    If that were to happen, the insurance company would reimburse the leasing company for the value of the car, but the money the customer paid upfront would likely not be refunded, he says. As a result, the consumer wouldn’t have a car, after having paid a lot of money upfront.

    Reed suggests that consumers not pay more than about $2,000 in advance. “In many cases, it makes sense to put nothing down,” he says.

    If you pay less in advance, your monthly payment would be higher. But you could take the “prepayment” cash and put it in an interest-bearing account instead.

    You could use that money to help make the monthly lease payments, says Reed. And if something happens to the vehicle before the end of the term, at least the leasing company wouldn’t have a big chunk of your money.

    Use this calculator to decide whether buying or leasing a car is cheaper for you

    Auto lease

    Forgetting gap insurance

    The value of any new car drops significantly after it’s driven off the lot — and leased cars are no exception, says David Jacobson, CEO of CU Xpress Lease in Hauppauge, New York, which originates and services car leases for credit unions.

    If a leased car is stolen or totaled and the car insurance company makes a payment for the value of the car, that sum may not cover the consumer’s total obligation under the terms of the lease, he says.

    The driver would likely have to pay the balance out of pocket unless he has gap insurance. In that case, the policy would cover the difference, he says.

    At the beginning of any car lease, consumers should ask if the contract includes this specialty gap insurance coverage, says Jacobson. If it doesn’t, the customer should consider looking for a car with a lease plan that does.

    “There is exposure without gap insurance,” he says, “so I would not lease a car without it.”

    Don’t get ambushed by a bad credit score at the dealership. Check your credit score and credit report first at myBankrate for free.

    Auto lease

    Underestimating miles you ve driven

    According to Jacobson, many leasing companies are able to advertise low monthly payments because they have low mileage limits.

    It’s common for leasing contracts to have a driving maximum of 10,000 miles to 15,000 miles per year, he says. If consumers exceed those limits, they could be charged an additional 10 cents to 30 cents per mile at the end of the lease.

    “You could wind up owing a lot of money for miles when it’s time to turn in the car,” Jacobson says. The driver could owe big bucks on a car he is no longer driving.

    To avoid this extra fee, consumers should know their driving habits before signing the contract, says Jacobson. If they know they’ll probably drive more miles than the agreement allows, they could ask for a higher limit.

    Still, there’s a drawback: The monthly lease payment would probably go up with a mileage increase, he says.

    Auto lease

    Not maintaining the car

    If the car has damage that goes beyond normal wear and tear, the driver could be on the hook for additional fees when it’s time to return it to the dealer, says Jacobson.

    Generally, if a car has a scratch but the mark is less than the size of a driver’s license or business card, many companies will consider it normal use. They probably won’t charge a penalty, says Jacobson.

    Jacobson says that if there’s damage to the car, the customer will have a chance to have it fixed on his own dime before turning it in. Otherwise, the leasing company will assess a value to the damage.

    In terms of “normal wear,” the definition can vary, and drivers shouldn’t assume that their own lease servicers will be lenient. “Some will nitpick the car to pieces,” says Jacobson. “Before getting the vehicle, consumers should ask what the lease-end-condition guidelines are.”

    Barbara Terry, an automobile columnist and author of the book “How Athletes Roll,” says if the car is significantly damaged, drivers can expect a bill for repairs at “full market price.”

    Auto lease

    Leasing for too long

    Most car-lease terms range from two to four years, though some can go longer, says Reed. However, drivers who lease cars for too long could end up paying extra money in maintenance.

    Reed recommends that consumers not lease cars for longer than the warranty period, which averages three years, or 36,000 miles. “That’s a turning point in the car’s life, when it goes out of the bumper-to-bumper warranty,” says Reed.

    “If you keep the car longer, you’d have to consider getting an extended warranty at an additional cost, plus you may need to pay for new tires and brakes — all for a car that you don’t own,” he says.

    If a consumer plans to be in the same car for a long time, it’s probably better to buy it, says Terry.

    “If the driver owns the car, he’d have to pay for the car and pay for maintenance, but then he could continue to drive it for several years without having to worry about a required monthly lease payment,” she says.

    Comparing car loans? Check interest rates now at Bankrate.

    Current Deals – Offers: Incentives and Specials, Chevrolet, auto lease deals.#Auto #lease #deals


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    Auto lease deals

    Auto lease deals

    *The Manufacturer’s Suggested Retail Price excludes destination freight charge , tax, title, license, dealer fees and optional equipment. Click here to see all Chevrolet vehicles’ destination freight charges .

    1. Excludes select base trims. Offer includes price reduction below MSRP and Cash Allowance. Tax, title, license and dealer fees extra. Not available with special finance, lease or other offers. Take delivery by 11/30/17. See participating dealer for details.

    2. Silverado 1500 Total Value based on $49,385 MSRP. Silverado 2500HD Total Value based on $68,165 MSRP. Silverado 3500HD Total Value based on $68,970 MSRP. Tahoe Premier based on $74,155 MSRP. Traverse Premier based on $47,735 MSRP. Not available with special financing, lease and some other offers. Take delivery by 11/30/17. See participating dealer for details.

    3. Camaro 2SS based on $47,480 MSRP. Colorado Crew Cab Z71 based on $38,225 MSRP. Corvette Z06 based on $86,700 MSRP. Express Passenger based on $40,095 MSRP. Suburban Premier based on $76,265 MSRP. Not available with special financing, lease and some other offers. Take delivery by 11/30/17. See participating dealer for details.

    4. 2017 Cruze Premier based on MSRP $27,395. 2018 Cruze Premier based on MSRP $27,275. Impala Premier based on MSRP $40,435. 2017 Malibu Premier based on MSRP $35,315. 2018 Malibu Premier based on MSRP $35,460. Sonic Premier based on MSRP $22,485. Spark 2LT based on MSRP $19,025. 2017 Trax Premier based on MSRP $28,790. 2018 Trax Premier based on MSRP $28,515. Offer includes price reduction below MSRP and Cash Allowance. Not available with special finance, lease or other offers. Take delivery by 11/30/17. See participating dealer for details.

    5. Offer includes price reduction below MSRP and Cash Allowance. Tax, title, license and dealer fees extra. Not available with special finance, lease or other offers. Take delivery by 11/30/17. See participating dealer for details.

    6. Excludes select base trims. Monthly payment is $13.89 for every $1,000 you finance. Cruze example down payment: 3.1%. Malibu example down payment: 3.1%. Impala example down payment: 11.4%. Trax example down payment: 3.6%. Sonic example down payment: 4.1%. Spark example down payment: 3.6%. Must finance with GM Financial. Some customers will not qualify. Not available with lease and some other offers. Take delivery by 11/30/17. See dealer for details.

    7. Example based on survey. Each dealer set its own price. Your payments may vary. Must show proof of current Chevrolet lease through Ally Financial Inc., GM Financial or U.S. Bank. Customer remains responsible for current lease payments. Payments are for a 2018 Equinox LT FWD with an MSRP of $27,695. 24 monthly payments total $4,767. Option to purchase at end of lease for an amount to be determined at lease signing. GM Financial must approve lease. Mileage charge of $.25/mile over 20,000 miles. Lessee pays for maintenance, excess wear and a disposition fee of $395 or less at end of lease. Payments may be higher in some states. Not available with some other offers. Take delivery by 11/30/17. See participating dealer for details.

    8. Excludes select base trims. Monthly payment is $16.67 for every $1,000 you finance. Cruze example down payment: 3.1%. Malibu example down payment: 3.1%. Trax example down payment: 3.6%. Must finance with GM Financial. Some customers will not qualify. Not available with lease and some other offers. Take delivery by 11/30/17. See dealer for details.

    Auto lease deals

    Auto lease deals

    *The Manufacturer’s Suggested Retail Price excludes destination freight charge , tax, title, license, dealer fees and optional equipment. Click here to see all Chevrolet vehicles’ destination freight charges .

    1. Excludes select base trims. Offer includes price reduction below MSRP and Cash Allowance. Tax, title, license and dealer fees extra. Not available with special finance, lease or other offers. Take delivery by 11/30/17. See participating dealer for details.

    2. Silverado 1500 Total Value based on $49,385 MSRP. Silverado 2500HD Total Value based on $68,165 MSRP. Silverado 3500HD Total Value based on $68,970 MSRP. Tahoe Premier based on $74,155 MSRP. Traverse Premier based on $47,735 MSRP. Not available with special financing, lease and some other offers. Take delivery by 11/30/17. See participating dealer for details.

    3. Camaro 2SS based on $47,480 MSRP. Colorado Crew Cab Z71 based on $38,225 MSRP. Corvette Z06 based on $86,700 MSRP. Express Passenger based on $40,095 MSRP. Suburban Premier based on $76,265 MSRP. Not available with special financing, lease and some other offers. Take delivery by 11/30/17. See participating dealer for details.

    4. 2017 Cruze Premier based on MSRP $27,395. 2018 Cruze Premier based on MSRP $27,275. Impala Premier based on MSRP $40,435. 2017 Malibu Premier based on MSRP $35,315. 2018 Malibu Premier based on MSRP $35,460. Sonic Premier based on MSRP $22,485. Spark 2LT based on MSRP $19,025. 2017 Trax Premier based on MSRP $28,790. 2018 Trax Premier based on MSRP $28,515. Offer includes price reduction below MSRP and Cash Allowance. Not available with special finance, lease or other offers. Take delivery by 11/30/17. See participating dealer for details.

    5. Offer includes price reduction below MSRP and Cash Allowance. Tax, title, license and dealer fees extra. Not available with special finance, lease or other offers. Take delivery by 11/30/17. See participating dealer for details.

    6. Excludes select base trims. Monthly payment is $13.89 for every $1,000 you finance. Cruze example down payment: 3.1%. Malibu example down payment: 3.1%. Impala example down payment: 11.4%. Trax example down payment: 3.6%. Sonic example down payment: 4.1%. Spark example down payment: 3.6%. Must finance with GM Financial. Some customers will not qualify. Not available with lease and some other offers. Take delivery by 11/30/17. See dealer for details.

    7. Example based on survey. Each dealer set its own price. Your payments may vary. Must show proof of current Chevrolet lease through Ally Financial Inc., GM Financial or U.S. Bank. Customer remains responsible for current lease payments. Payments are for a 2018 Equinox LT FWD with an MSRP of $27,695. 24 monthly payments total $4,767. Option to purchase at end of lease for an amount to be determined at lease signing. GM Financial must approve lease. Mileage charge of $.25/mile over 20,000 miles. Lessee pays for maintenance, excess wear and a disposition fee of $395 or less at end of lease. Payments may be higher in some states. Not available with some other offers. Take delivery by 11/30/17. See participating dealer for details.

    8. Excludes select base trims. Monthly payment is $16.67 for every $1,000 you finance. Cruze example down payment: 3.1%. Malibu example down payment: 3.1%. Trax example down payment: 3.6%. Must finance with GM Financial. Some customers will not qualify. Not available with lease and some other offers. Take delivery by 11/30/17. See dealer for details.

    The Manufacturer’s Suggested Retail Price excludes destination freight charge, tax, title, license, dealer fees and optional equipment. Click here to see all Chevrolet vehicles’ destination freight charges.

    Best car leasing deals 2017, Auto Express, best auto lease deals.#Best #auto #lease #deals


    Best car leasing deals 2017

    Best auto lease deals

    Car leasing can be a cheaper way of driving around in a new motor, so we’ve picked out some of the best car leasing deals available

    If you want to drive a new car without the worry or hassle of a large final payment at the end of the contract, then you need to think about car leasing. Leasing a car is usually a lot less hassle than a PCP deal and, it also normally has the added bonus of coming with lower monthly payments. More and more people are now taking out car leasing deals as, even though you will never actually own the car, you can simply hand it back at the end of the contract and take out a new deal all over again.

    Competition between manufacturers is intense, meaning there are more and more new car deals and offers coming onto the market. There are no shortage of PCP (Personal Contract Purchase) and HP (Hire Purchase) deals, but personal car leasing is also more popular than ever. Leasing is certainly no longer just the domain of business users.

    Personal Contract Hire (otherwise known as personal leasing) works in the same way as the many Business Contract Hire offers available, except VAT is included. You pay an advanced rental payment or deposit, select your annual mileage and then pay a flat monthly fee for the duration of your agreement. When your contract ends, you hand the car back.

    In addition to the cheaper monthly payments, car leasing often includes many other benefits, including car tax, breakdown cover, car maintenance and tyre repair and replacement.

    So if you’re thinking of heading down the car leasing route, we’re here to help. We’ve rounded up the best car leasing deals available at the moment here on this page. Most car companies will offer car leasing deals but many, such as Fiat, Hyundai, Jaguar, Kia, Mazda and SEAT, ask customers to contact their local dealer to get the best offers.

    However, the likes of Audi, BMW, Ford, Mercedes, MINI, Vauxhall, Volkswagen and Volvo do publish deals directly and you can find their best car leasing offers of the moment in the menu to the top left of this page or by clicking the links in the list at the bottom.

    Below you’ll also find a list of car leasing deals provided by a range of brokers including our sister site BuyaCar.co.uk. Scroll down for our list of the best car leasing deals out there right now.

    Best car leasing deals on the market now

    SEAT Mii: £127 per month

    Best auto lease deals

    Mercedes Leasing, Audi Leasing, VW Lease, BMW Leasing, Jaguar Lease, Best Leasing Deals from Auto Choices, best auto lease deals.#Best #auto #lease #deals


    Car Leasing and Contract Hire from Auto Choices

    Check out our current best car leasing deals below!

    Best auto lease deals

    Jaguar E PACE 2.0d 2WD 5 Door

    Business: 275.00 exc VAT

    Personal: 325.00 inc VAT

    Best auto lease deals

    Kia Stonic 1.4 2 ISG

    Business: 159.00 exc VAT

    Personal: 190.80 inc VAT

    Best auto lease deals

    Mini Countryman PHEV SE Automatic ELECTRIC HYBRID

    Business: 226.00 exc VAT

    Personal: TBA inc VAT

    Best auto lease deals

    Smart ForTwo Coupe Prime Premium ELECTRIC

    Business: 188.38 exc VAT

    Personal: 226.06 inc VAT

    Best auto lease deals

    Fiat 500 1.2 POP

    Business: 114.00 exc VAT

    Personal: 136.80 inc VAT

    Best auto lease deals

    BMW 420i M Sport Gran CoupГ© Automatic

    Business: 203.00 exc VAT

    Personal: CALL inc VAT

    Best auto lease deals

    Mercedes B180d SPORT

    Business: 168.22 exc VAT

    Personal: 201.87 inc VAT

    Best auto lease deals

    BMW 320d SPORT Touring (Pre-Registered)

    Business: 276.61 exc VAT

    Personal: 331.91 inc VAT

    Best auto lease deals

    VW Golf 1.6 TDi SE (Nav) 5 Door

    Business: 169.99 exc VAT

    Personal: 203.99 inc VAT

    Best auto lease deals

    Mercedes C220d SE AUTOMATIC Saloon

    Business: 230.24 exc VAT

    Personal: 276.29 inc VAT

    Best auto lease deals

    VW Tiguan 2.0TDi SE NAV

    Business: 199.99 exc VAT

    Personal: 239.99 inc VAT

    Best auto lease deals

    Range Rover VELAR D180 Automatic AVAILABLE NOW

    Business: 440.00 exc VAT

    Personal: 535.00 inc VAT

    Best auto lease deals

    Mercedes SLC180p AMG LINE Roadster

    Business: 197.12 exc VAT

    Personal: 238.55 inc VAT

    Best auto lease deals

    Citroen DS3 82PT CONNECTED CHIC

    Business: 124.99 exc VAT

    Personal: 149.99 inc VAT

    Best auto lease deals

    Mercedes E200d SE Saloon 9G TRONIC Automatic

    Business: 239.99 exc VAT

    Personal: 287.99 inc VAT

    Best auto lease deals

    VW Golf R 310ps 5 Door

    Business: 278.15 exc VAT

    Personal: 333.78 inc VAT

    Best auto lease deals

    VW Arteon 2.0TSi Elegance DSG Automatic

    Business: 205.99 exc VAT

    Personal: 247.99 inc VAT

    Best auto lease deals

    SEAT Ateca 1.0TSi SE TEC

    Business: 178.08 exc VAT

    Personal: 213.70 inc VAT

    Best auto lease deals

    Mercedes A160p SE Hatchback

    Business: 158.33 exc VAT

    Personal: 190.00 inc VAT

    Best auto lease deals

    Skoda Octavia 2.0TDi 245ps vRS Estate DSG Automatic

    Business: 207.32 exc VAT

    Personal: 248.79 inc VAT

    Best auto lease deals

    Mercedes C200p AMG LINE Coupe AUTOMATIC

    Business: 269.99 exc VAT

    Personal: 323.99 inc VAT

    Best auto lease deals

    Smart ForTwo PURE Coupe

    Business: 105.21 exc VAT

    Personal: 126.26 inc VAT

    Best auto lease deals

    Audi S5 QUATTRO Sportback

    Business: 408.79 exc VAT

    Personal: 490.55 inc VAT

    Best auto lease deals

    BMW 218i Sport Coupe

    Business: 121.45 exc VAT

    Personal: N/A inc VAT

    Here at Auto Choices we can offer great deals on car leasing prices for the major and prestige car manufacturers.

    • Business and Private leasing / contract hire customers are very welcome
    • Pick a financial package to suit your needs; Personal Contract Hire or Business Contract Hire
    • Optional car maintenance available, including tyres and repairs allowing you to ‘fix’ your monthly motoring costs
    • You can choose variable contract and mileage terms
    • Flexible personal and business car leasing options and payment plans

    If you are looking to lease a prestige car such as Audi, BMW, Mercedes, VW and more, at a great price, you have come to the right place!

    Looking for van leasing offers instead? Visit our van leasing website, click here

    Auto Choices Ltd is authorised and regulated by the Financial Conducy Authority. FCA No 620962. VAT No: 758 1117 29. Disclaimer: The images shown on this site are for illustration purposes only and do not always relate to the car leasing offer shown. Furthermore, the prices shown on this website are for information purposes only and do not constitute an offer by Auto Choices Ltd capable of an acceptance by you. E OE.

    Calculate Your Own Car Lease Payment, Edmunds, auto lease calculator.#Auto #lease #calculator


    Calculate Your Own Car Lease Payment

    Leasing. For some shoppers, it’s as dark and mysterious as the deepest reaches of outer space. It’s full of confusing language, weird fees and payments that seem impossible to figure out at home without an advanced degree in mathematics.

    The truth is you don’t have to be Neil deGrasse Tyson in order to calculate your own lease. You just need a calculator, some deal information and a little direction.

    Auto lease calculator

    Calculating your own lease payment from home can be easy. All you need is a calculator, some deal info and a little guidance.

    Auto lease calculator

    But first, a little advice. While you can certainly calculate your own lease, there are easier ways to estimate what your lease payments could be.

    Your first stop should be our Incentives & Rebates page. Here you can find carmakers’ “lease specials” with very attractive monthly payments. We also suggest checking the automaker and dealership websites to learn the lease offers that are available.

    Another valuable resource is the Edmunds Lease Calculator. You will need to have some information handy to get an accurate quote, but our calculator will do the math for you. It also pulls in current purchase price information about current models and local tax rates.

    Perhaps the easiest way to get an idea of what a lease should cost is to get real-world lease quotes from multiple dealerships. With three to five quotes in hand, you can quickly get a feel for a good deal.

    If after checking out all these other options you are still determined to calculate your own car lease payment, we’re happy to help.

    And because we know that people process information differently, we will present the formula to you in two different ways.

    What to Expect: A Very Close, but Not Exact, Lease Payment

    Calculating your own lease payment to the penny is unrealistic: Taxes and fees will vary by region, and add-on fees can vary from brand to brand. And no matter how hard you try, you’re almost guaranteed to leave some forgotten fee out of the equation. But that doesn’t mean you can’t get pretty close.

    In order to make your own calculations, you’ll need to gather some information. Some of that data will be available here on Edmunds. Other information you’ll need to collect from a dealership. A simple email to a fleet manager or sales manager should be all it takes to get the details you’ll need to get started.

    What You’ll Need:

    1. MSRP of the vehicle. Also known as the sticker price. You can find the MSRP for virtually any new car here on Edmunds.

    2. The money factor. This is the “interest rate” you’ll pay during your lease. It’s sometimes called a “lease factor” or even a “lease fee.” To get the money factor, call or email a dealership that sells that brand, and be specific about the model you’re considering: Money factors may not be the same for all models. Money factors look different from their annual percentage rate (APR) cousins usually something like this: 0.00125.

    Here’s a handy tip: To convert interest rates to money factors, divide the interest rate by 2,400. To convert money factors to interest rates, multiply by 2,400. So 0.00125 x 2,400 would equal an interest rate of 3 percent.

    3. Lease term. We recommend leasing for 36 months or less. However, some lease specials are for 39 months.

    4. Residual value of the car. Ask the dealer what the residual percentage is for the car you’re considering. The dealership will likely ask how many months you plan to lease and how many miles you plan to drive per year. These factors affect the residual percentage. As a rough guide, most cars have a residual value of between 45 and 60 percent for a 36-month lease.

    5. Fees. These are registration, acquisition, down payment tax (if any), documentation fees and the like. If you’re unable to get an exact figure for the fees you’ll be responsible for, ask the dealer for a rough estimate.

    6. Rebates. Without factoring in applicable rebates, your calculations will be off. If you’re not sure what rebates are available, don’t forget to check our Incentives and Rebates page.

    A Walk Through a Sample Lease

    To best explain the calculation steps, we are going to create a sample lease.

    For our example, we are going to lease a car with an MSRP of $23,000. This car will have a residual value of 57 percent and a money factor of 0.00125. We will have a $1,700 down payment and the car will have a $500 rebate. Assume we’ve negotiated a sale price of $21,000 (before the rebate was applied) and will have $1,200 in various fees. For this example, we will not have a trade-in.

    If you just want the formula, skip to the bottom of this article. If you’d prefer more context, read on.

    Step 1. Take the vehicle’s MSRP and multiply it by its residual percentage to get the residual value.

    Step 2. Take your negotiated sale price and add in all the fees you’ll have to pay. For our example, we’ve negotiated a sale price of $21,000 and have $1,200 in fees. Add those together and we get what’s called the “gross capitalized cost.”

    Step 3. Take the total amount of the down payment, trade-in equity or rebates and add them together. In this example, we have $1,700 cash and a $500 rebate. So our total down payment is: $2,200. This is called our “capitalized cost reduction.”

    Step 4. Subtract the capitalized cost reduction of $2,200 from our gross capitalized cost of $22,200. The amount we are left with is called the “adjusted capitalized cost.”

    Step 5. Subtract the residual from the adjusted capitalized cost. This is your depreciation amount, which is the basis of your lease payment.

    Step 6. Divide the depreciation amount from Step 5 by the months of the lease. In our example, we are using 36 months. The result is our base payment. Don’t get excited by this small number just yet. We still need to add interest and taxes.

    Step 7. Take the adjusted capitalized cost and add it to the residual. Multiply that amount by the money factor. The resulting number will be the amount of interest charged per month. This is called the rent charge. Here is what that would look like, using our money factor of 0.00125.

    Step 8. Add the rent charge to the payment you calculated in Step 6 to get your pre-tax lease payment.

    If you’re lucky enough to live in a state that doesn’t charge sales tax, you’re done!

    If you’re like the rest of us, you’ll still need to add monthly tax. Luckily, that’s easy to do. In Santa Monica, California, our sales tax rate is 9.5 percent. So we have one more step before we’re done:

    Step 9. Multiply the payment by the local tax rate to get the total monthly payment.

    Here is the formula again, without the commentary:

    Leasing a Car – 5 Dumb Car Leasing Mistakes to Avoid, auto lease.#Auto #lease


    Leasing a car – 5 dumb car leasing mistakes to avoid

    Auto lease

    Car-leasing missteps

    People who lease a car usually do so because it allows them to drive a newer vehicle for less money than it would cost to buy one.

    But many drivers make the mistake of not reading the fine print before signing a contract, says Philip Reed, senior consumer advice editor at Edmunds.com.

    “People make a lot of mistakes when setting up their car leases, and it can cost them a lot of money,” he says. Here are five common car-leasing mistakes that consumers should avoid.

    Auto lease

    Paying too much money upfront

    Car dealers advertise low monthly lease payments on new autos, but consumers usually are asked to pay several thousand dollars at the beginning of the term to get the low payments, says Reed.

    That money is generally used to pay a portion of the car lease in advance. “But prepaying is a problem if the car is wrecked or stolen in the first few months,” says Reed.

    If that were to happen, the insurance company would reimburse the leasing company for the value of the car, but the money the customer paid upfront would likely not be refunded, he says. As a result, the consumer wouldn’t have a car, after having paid a lot of money upfront.

    Reed suggests that consumers not pay more than about $2,000 in advance. “In many cases, it makes sense to put nothing down,” he says.

    If you pay less in advance, your monthly payment would be higher. But you could take the “prepayment” cash and put it in an interest-bearing account instead.

    You could use that money to help make the monthly lease payments, says Reed. And if something happens to the vehicle before the end of the term, at least the leasing company wouldn’t have a big chunk of your money.

    Use this calculator to decide whether buying or leasing a car is cheaper for you

    Auto lease

    Forgetting gap insurance

    The value of any new car drops significantly after it’s driven off the lot — and leased cars are no exception, says David Jacobson, CEO of CU Xpress Lease in Hauppauge, New York, which originates and services car leases for credit unions.

    If a leased car is stolen or totaled and the car insurance company makes a payment for the value of the car, that sum may not cover the consumer’s total obligation under the terms of the lease, he says.

    The driver would likely have to pay the balance out of pocket unless he has gap insurance. In that case, the policy would cover the difference, he says.

    At the beginning of any car lease, consumers should ask if the contract includes this specialty gap insurance coverage, says Jacobson. If it doesn’t, the customer should consider looking for a car with a lease plan that does.

    “There is exposure without gap insurance,” he says, “so I would not lease a car without it.”

    Don’t get ambushed by a bad credit score at the dealership. Check your credit score and credit report first at myBankrate for free.

    Auto lease

    Underestimating miles you ve driven

    According to Jacobson, many leasing companies are able to advertise low monthly payments because they have low mileage limits.

    It’s common for leasing contracts to have a driving maximum of 10,000 miles to 15,000 miles per year, he says. If consumers exceed those limits, they could be charged an additional 10 cents to 30 cents per mile at the end of the lease.

    “You could wind up owing a lot of money for miles when it’s time to turn in the car,” Jacobson says. The driver could owe big bucks on a car he is no longer driving.

    To avoid this extra fee, consumers should know their driving habits before signing the contract, says Jacobson. If they know they’ll probably drive more miles than the agreement allows, they could ask for a higher limit.

    Still, there’s a drawback: The monthly lease payment would probably go up with a mileage increase, he says.

    Auto lease

    Not maintaining the car

    If the car has damage that goes beyond normal wear and tear, the driver could be on the hook for additional fees when it’s time to return it to the dealer, says Jacobson.

    Generally, if a car has a scratch but the mark is less than the size of a driver’s license or business card, many companies will consider it normal use. They probably won’t charge a penalty, says Jacobson.

    Jacobson says that if there’s damage to the car, the customer will have a chance to have it fixed on his own dime before turning it in. Otherwise, the leasing company will assess a value to the damage.

    In terms of “normal wear,” the definition can vary, and drivers shouldn’t assume that their own lease servicers will be lenient. “Some will nitpick the car to pieces,” says Jacobson. “Before getting the vehicle, consumers should ask what the lease-end-condition guidelines are.”

    Barbara Terry, an automobile columnist and author of the book “How Athletes Roll,” says if the car is significantly damaged, drivers can expect a bill for repairs at “full market price.”

    Auto lease

    Leasing for too long

    Most car-lease terms range from two to four years, though some can go longer, says Reed. However, drivers who lease cars for too long could end up paying extra money in maintenance.

    Reed recommends that consumers not lease cars for longer than the warranty period, which averages three years, or 36,000 miles. “That’s a turning point in the car’s life, when it goes out of the bumper-to-bumper warranty,” says Reed.

    “If you keep the car longer, you’d have to consider getting an extended warranty at an additional cost, plus you may need to pay for new tires and brakes — all for a car that you don’t own,” he says.

    If a consumer plans to be in the same car for a long time, it’s probably better to buy it, says Terry.

    “If the driver owns the car, he’d have to pay for the car and pay for maintenance, but then he could continue to drive it for several years without having to worry about a required monthly lease payment,” she says.

    Comparing car loans? Check interest rates now at Bankrate.

    Auto Leasing Company in Staten Island, Car Lease FAQ, auto lease deals.#Auto #lease #deals


    Staten Island

    Lease Your New Car Today!

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    Car Leasing Specials in Staten Island | FAQ

    Select Make For Specials

    Credit Applications

    • Can my new lease be delivered

    to my home or office?

  • How can I save money getting

    I still lease a car?

  • Do I have to pay fees when I

    At Staten Island Car Lease Deals, we are confident if our potential clients are given the choice between securing an auto lease with a local high-pressure salesperson or the chance to shop from the comfort of their home—you will opt to shop from your home. Besides, you should not be required to drive from dealership to dealership in order to locate your ideal auto lease. Take as much time as you need to browse through our extensive online vehicle inventory without leaving your home.

    Our corporation is an auto leasing company that works to provide low-priced car leasing rates to the local Staten Island community. Our esteemed car leasing corporation strives to deliver unrivaled customer service and competitive auto lease rates when compared to others in our industry. Our car leasing experts are highly proficient in regards to car leasing. When you need your questions answer, call us at (718)-509-6356 to speak with someone today.

    What makes Staten Island Car Lease Deals unique?

    The majority of other companies have a showroom and physical office, that which we lack. It allows us to do more with the money we save from dumping unnecessary overhead expenses. Additionally, our customer service agents truly listen when our clients discuss their concerns. Delivering superior customer services puts us ahead of the competition because we appreciate our clients and it shows in how we treat them! Also, unlike some companies, we never bully our customers into selecting a vehicle that may not be a good match for them. We want you to be absolutely certain the vehicle is the right one for you.

    Is it possible to physically review your vehicles?

    Of course, it is not uncommon to have a client look through our auto leasing specials and then send in their application without checking out the vehicle first. They receive their approval and finish up the final paperwork, but we will still suggest that you physically review the vehicle prior to continuing. This way, if you do not like the vehicle, then you can find another one to lease instead.

    What are the options available to us when choosing a car?

    In addition to these options, we also offer a variety of financing options for our clients that request financing for their auto lease. The experts at Staten Island Car Lease Deals are persistent and quickly work to secure low financing rates for our customers. Our car lease payment schedules always vary, dependent upon the customers’ preferences and needs. Give us a call to get more information. You can call us at (718)-509-6356.

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    For the past 55 years, Okuma Enterprises has been helping people just like you save time and money on their car purchases. A family owned business founded in 1962, Okuma Enterprises has proudly served 1000s of satisfied new and repeat customers while NEVER CHARGING A FEE. Buying, Leasing, New or Used. Most Reputable Auto Brokers in Los Angeles

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    Buying a new or used car requires time spent searching Los Angeles Car Dealers, and hours haggling with New Car Salespeople. Los Angeles Car Brokers save you both time and money by doing the work for you. Services include: locating your new vehicle, negotiating the best price, arranging financing, taking care of all paperwork, and delivering your new car to your home or office.

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    As the first professional Los Angeles Car Broker to be licensed by the DMV, over 55 years ago, Okuma Enterprises is recognized as the most trusted Car Broker in Los Angeles and throughout California. Since 1962 we have helped literally 1000’s of clients worldwide with their new car purchase, most coming by referral and word of mouth.

    Best New Cars – Used Cars Deals Online Low Prices Lease Payments 1-800-851-9000, best auto lease deals.#Best #auto #lease #deals


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    Best auto lease deals

    2017 Mercedes-Benz GLC-Class GLC300 MSRP: $58,895

    Monthly: Call Us

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    2017 Land Rover Range Rover HSE MSRP: $101,800

    Monthly: Call Us

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    2017 Mercedes-Benz S-Class AMG S63 MSRP: $190,115

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    2017 BMW X5 xDrive35i MSRP: $72,295

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    2017 Mercedes-Benz SL-Class SL550 MSRP: $113,575

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    2017 Mercedes-Benz GLE Class 400 MSRP: $73,345

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    2017 Mercedes-Benz GLS-Class GLS450 MSRP: $88,635

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    2017 Mercedes-Benz GLE-Class GLE350 MSRP: $58,990

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    2017 Maserati Levante MSRP: $85,950

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    2017 Audi Q7 MSRP: $53,548

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    2017 Mercedes-Benz CLS-Class CLS550 MSRP: $84,390

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    2018 Mercedes-Benz GLS Class 450 MSRP: $76,715

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    2017 Mercedes-Benz E-Class E400 MSRP: $59,725

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    2017 Maserati Quattroporte S GranLusso MSRP: $115,770

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    2018 Mercedes-Benz GLS GLS 450 MSRP: $82,820

    Lease Calculator, auto lease calculator.#Auto #lease #calculator


    Lease Calculator

    This lease calculator can be used to calculate the monthly payment or the actual interest for a lease. If you know the interest rate, use the “Fix Rate” to calculate the monthly payment. If you only know the monthly payment, use the “Fix Payment” to check what the actual interest rate is. We also have specialized auto lease calculator for U.S. residents.

    Auto lease calculator

    Result

    What is a Lease?

    A lease is a contract made for the use of an asset. It is made between a lessor (the owner of the asset) and a lessee (the person who wants to use the asset).

    You will hear the most about leasing houses and cars, but you can lease anything. Businesses routinely lease all sort of equipment, because the effect on the bottom line and on tax is favorable.

    There is a considerable difference between leasing an asset and renting it. A lease contract is a strictly binding business agreement. The two parties make the agreement and neither one can deviate from its terms (without some very exceptional reason). Lease an apartment for three years, and you owe the rent on that apartment for the next three years month by month, and if you don’t pay it, you will incur serious penalties.

    This is very different from renting an apartment. Most rental contracts are covered by much more considerate terms for the tenant, who can move out early; arrange late payment in some cases, etc. That is why it is unusual for a landlord to lease an apartment to an individual the laws covering rental contracts are better protection for both tenant and landlord. However, should a business seek an apartment to use, perhaps, for executives who visit the city from time to time, a leasing agreement might be favorable.

    When agreeing to a lease, you will almost certainly be asked to make a deposit to cover risk of damages and non-payment. It should be clearly stated in the lease that the deposit is refundable.

    Leasing a Car

    The most common form of leasing seen today is automobile leasing. This is not because leasing a car is cheaper than buying one on the contrary, overall it’s more expensive. But auto leasing has two principal benefits that make it very popular despite the expense: You can always drive a fairly new car, and it’s always under warranty; and, for the same budget, you can often get a larger, more luxurious, better-equipped car.

    When you lease, there are many factors to consider: The initial down payment, the amount of the monthly payment, the time of the lease (this is usually three years in the U.S., but it is possible to lease for six years), the mileage you can drive every year, etc.

    Your monthly payment is based on the difference between the cost of the automobile (“transaction price” or its “capitalized cost”) when it’s new, and what the car is forecast to be worth at the end of the leasing period this is called the “residual value.” This difference is financed at a particular rate of interest which is sometimes called the “leasing rate. You may also have to put down a security deposit (this is usually one month’s payment). There can be additional charges that the dealer may impose, so you should discuss all the financing carefully before agreeing to an automobile leasing contract.

    Business Leasing

    A business leasing equipment is more like a consumer leasing a car: The business pays a monthly fee for the use of the asset, and at the end of the lease period, the business can purchase the asset at residual value. Sometimes an agreement is made for such a purchase at a fixed value at the beginning of the lease. At other times, businesses can simply stop leasing, or continue leasing the equipment.

    The advantages to the business are considerable. The business can acquire and use expensive equipment while paying only a fraction of its cost upfront. Lease payments are also tax deductible as a business expense. Further, once the lease is over, the business can lease new equipment, obtaining it again without having to pay out for it.

    Leasing Real Estate

    Leasing real estate usually involves a business that seeks office space, or land, or a factory. It is rare for private individuals to lease real estate because, as we have seen, renting is much more favorable to both landlord and tenant.

    Commercial leasing of real estate does not usually lead to the purchase of the property by lessee. It is essentially the same as renting, but the terms are stricter. The most important item is the length of the lease, of course, because once you are committed for the period, you cannot change it. The monthly payment sometimes includes other charges like insurance, tax and maintenance: All of this should be transparent, and you should know exactly what you are paying for. You will make a security deposit, but the lease should guarantee that you get it back at the end unless specific conditions occur (damages, non-payment, etc.).

    The lease should also define exactly what you are paying for; the exact space and facilities should be carefully listed. If you have the right to use any common areas in the building, it should be specifically stated.

    The lease calculator above can help for both car leasing and business leasing to estimate the periodical payments or real interest rate. Real estate leasing is different in that many times the residual value might be higher than when the lease starts due to asset appreciation. The monthly pay for real estate leasing depends mainly on the market.

    2017-2018 Car Lease Deals · Best Car Leasing Company ·, auto lease.#Auto #lease


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    eAutoLease is New York City’s leading auto lease dealer. We offer best car lease deals in New York. We serve customers throughout New York metropolitan area (Brooklyn, Queens, Manhattan, Bronx, Long Island) as well as New Jersey, Connecticut, Pennsylvania. Please contact us to learn more or to get a best car lease deal.

    Copyright © 2017 eAutoLease.com. All Rights Reserved. eAutoLease.com is not a franchised dealer.

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    Auto Leasing Company in Staten Island, Car Lease FAQ, auto lease deals.#Auto #lease #deals


    Staten Island

    Lease Your New Car Today!

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    Car Leasing Specials in Staten Island | FAQ

    Select Make For Specials

    Credit Applications

    • Can my new lease be delivered

    to my home or office?

  • How can I save money getting

    I still lease a car?

  • Do I have to pay fees when I

    At Staten Island Car Lease Deals, we are confident if our potential clients are given the choice between securing an auto lease with a local high-pressure salesperson or the chance to shop from the comfort of their home—you will opt to shop from your home. Besides, you should not be required to drive from dealership to dealership in order to locate your ideal auto lease. Take as much time as you need to browse through our extensive online vehicle inventory without leaving your home.

    Our corporation is an auto leasing company that works to provide low-priced car leasing rates to the local Staten Island community. Our esteemed car leasing corporation strives to deliver unrivaled customer service and competitive auto lease rates when compared to others in our industry. Our car leasing experts are highly proficient in regards to car leasing. When you need your questions answer, call us at (718)-509-6356 to speak with someone today.

    What makes Staten Island Car Lease Deals unique?

    The majority of other companies have a showroom and physical office, that which we lack. It allows us to do more with the money we save from dumping unnecessary overhead expenses. Additionally, our customer service agents truly listen when our clients discuss their concerns. Delivering superior customer services puts us ahead of the competition because we appreciate our clients and it shows in how we treat them! Also, unlike some companies, we never bully our customers into selecting a vehicle that may not be a good match for them. We want you to be absolutely certain the vehicle is the right one for you.

    Is it possible to physically review your vehicles?

    Of course, it is not uncommon to have a client look through our auto leasing specials and then send in their application without checking out the vehicle first. They receive their approval and finish up the final paperwork, but we will still suggest that you physically review the vehicle prior to continuing. This way, if you do not like the vehicle, then you can find another one to lease instead.

    What are the options available to us when choosing a car?

    In addition to these options, we also offer a variety of financing options for our clients that request financing for their auto lease. The experts at Staten Island Car Lease Deals are persistent and quickly work to secure low financing rates for our customers. Our car lease payment schedules always vary, dependent upon the customers’ preferences and needs. Give us a call to get more information. You can call us at (718)-509-6356.

    Auto lease deals

  • Lease Amortization Schedule: Equipment Payment Excel Calculator #car #dealer


    #auto amortization schedule
    #

    Lease Amortization Schedule: Equipment Payment Excel Calculator

    By uncle on September 14, 2013

    If you are an Accountant for a small or medium sized company with multiple leases (or loans) then you probably experience problems with generating accounting entries every month.

    What you need to work out are the principal and interest amounts for each lease and then summarize them. In case of just few loans or leases this isn t a big issue.

    But if you maintain several dozens of amortization schedules then the task can become quite time consuming.

    How Lease Accounting Usually Works

    The typical scenario is like that: You maintain separate amortization spreadsheets for each lease. Then at the month-end you take the principal and interest amounts of each lease and sum it up.

    And here is where the problem starts. One way to sum up all individual amounts is doing so manually. This, however, takes time.

    Your second option is to interlink all spreadsheets and calculate the summary in one master spreadsheet. The hard part here is interlinking all these individual sheets. As we all know, this process in Excel doesn t work smoothly all the time. Often the numbers don’t flow through.

    Sometimes you must open all files at once in order for the numbers to get updated correctly. With dozens of files open at the same time your PC performance goes down. Sometimes it even crashes.

    And what about the missing links? How often do you move a file to another place on your Disk and the link gets broken? Now you need to fix the formulas.

    Sounds all familiar?

    Wouldn t it be nice to have all Individual and Consolidated lease schedules in a single Spreadsheet?

    We thought so, too! Therefore, we developed this:

    Multiple Leases Amortization Calculator in Excel

    Our Excel Calculator that can take away all your headaches during  the month-ends or year-ends.

    With this calculator you can manage all your leases (or loans) in one Excel file, getting individual and consolidated schedules in one place.

    Free Version of our Lease Calculator includes all functionality, except for locked interest rate. Try it and if it suits your needs then you can purchase the full version.

    In case you have any questions about this calculator then please talk to us . We will be glad to explain it.

    Current limit of this calculator is 80 leases (or loans). The reason to minimizing the file size. Now it stands at around 2.6 MB. Extending it for more leases means that the Excel file will get bigger.

    This should not be a problem, Excel can easily handle files even few dozen MB large. Just the opening and processing times will slightly increase.

    What You Need to Run the Lease Calculator

    To be able to run the calculator you ideally need to have Microsoft Excel 2010 installed on your computer.

    The calculator may also run on Excel 2007. Just the List of Values boxes may not work properly, so you will need to type Loan Term manually instead of picking it from the Drop-down List.

    We advise you download the free version and make sure that you can run it on your computer without problems.

    Once you make sure that it runs fine then you can buy it. The Premium Version of the Lease Calculator looks and feels exactly the same as the Free Version, just allows you to maintain more leases (or loans)

    User Manual

    Using this calculator is pretty easy. If you are familiar with Excel then it should be a piece of cake. But just to be sure that you understand it and are comfortable with all its functions, here we included instructions on how to use it.

    Sheet 1 – Data Entry

    In this sheet you need to specify all entry parameters for your leases (or loans) as shown in the image below.

    Sheet 2 – Individual Schedules

    Here you can get details for individual amortization schedules. Simply pick Lease or Loan name in field C4.

    Note: Every time you add new lease or change parameters for existing lease, click on “Refresh” button to get the calculation updated.

    Sheet 3 – Consolidated Schedule

    This sheet will provide summary for Total Monthly Principal and Total Interest Amounts data for all your Leases per period (month).

    Note: Again, every time you add new leases (loans) or change parameters of existing ones don’t forget to click on the “Refresh” button to get the data re-calculated.

    Sheet 4 – Repayment Calendar

    We have included Repayment Calendar to schedule your Lease payments. With this handy report you will never miss a single repayment. It will also help you with planning your Cash Flow.

    Note: After updating Entry Data sheet, always hit the “Refresh” button to get the values refreshed.

    Sheet 5 – Charts

    Last, but not least important for your work are graphs showing Repayments and Outstanding Balance Trends. We have included these graphs to help you with your reporting.

    You can print them and attach to your monthly management reporting pack. It will nicely show your financial position where you stand.

    Note: As usual, don’t forget to hit “Refresh” button every time you change entry parameters of your Leases or Loans.

    We hope you will enjoy our Lease Calculator. If you have any questions or suggestions then please do not hesitate to contact us through our Contact Form .

    How to Lease a Car and Get the Best Deal – Personal Finance. #auto #warranties


    #best auto lease deals
    #

    How to Lease a Car and Get the Best Deal

    Tips

    • Over time, the cost of leasing several cars will likely exceed the purchase price of a new or used car.
    • Don’t tell a car dealer you plan to lease until after you’ve negotiated the car’s purchase price.
    • Beware salespeople who focus only on your monthly payment will be. Stay aware of the total price you’ll pay, including down payment and monthly bills.
    • Related How-Tos

      Feedback

      A car lease lets you drive a new vehicle without paying a large sum of cash or taking out a loan.

      To lease a car, you simply make a small down payment less than the typical 20% of a car s value you d pay to buy followed by monthly payments for the term of the lease. When the term expires, you return the car.

      Leasing a car has some drawbacks, however. Among them:

      • You don’t own the car when your lease expires. You essentially rent, not buy, the car. So you don’t have equity in the car to use toward the purchase of another vehicle.

      • Over time, say 10 years, the cost of leasing several cars will likely exceed the purchase price of a new or used car.

      • Lease terms can carry steep penalties. You may have to pay penalties if:

      -You exceed the number of miles in your lease contract.

      – You fail to keep the interior and exterior of the car in good condition.

      – You drive the car hard and inflict significant wear and tear on the car’s performance and appearance.

      – You want to return the car before your contract expires.

      Does a lease make sense for you?

      Leasing is more beneficial than buying when you:

      • Don’t have the cash to buy the car.

      • Want to drive a vehicle that’s out of your purchase price range.

      • Won’t likely exceed the mileage cap in a contract—usually between 10,000 and 15,000 miles per year.

      • Can take good care of the car’s exterior and interior, paying particular attention to avoid nicks, spills and other cosmetic damage.

      • Expect to lease another car when your vehicle’s current contract expires.

      Exceeding the mileage limits on your lease can cost you 10 to 15 cents per mile. The dealer will inspect your car just before the lease expires, and you ll also be charged for excessive wear and tear.

      How to Lease

      Leasing a car is less complicated than buying one. But to get the best deal on the car you want, you must still follow these steps:

      Step 1. Choose a type — What kind of car do you want? Better yet, what car do you need? A convertible? A sedan? An SUV?

      Step 2. Pick your models — Make a list of car types in your price range. You can reduce non-lease costs by including models with favorable gas mileage, high dependability, top safety features and low insurance premiums (ask your auto insurance agent for a list of vehicles that fit the bill).

      Step 3. Take a test drive — Once you’ve narrowed your list to a few models, take each car for a test drive. Pay particular attention to comfort, visibility, braking, steering, internal noise and shock-absorption. At this stage, don’t yet mention you intend to lease (more on this in Step 6).

      Step 4. Ask about safety — During your test drive, ask the salesperson whether the vehicle comes with anti-lock brake systems (ABS), electronic stability control (ESC) and head-protecting side air bags. All are valuable safety features.

      Step 5. Compare lease deals — When you return home from the dealer, calculate the lease deals on offer and figure out how much you can afford to pay monthly.

      Step 6. Talk price first — Once you’re ready to return to a dealership to strike a deal, don’t tell the dealer you plan to lease until after you’ve negotiated a purchase price. Most people who lease are unaware that their monthly payments will be based on the final agreed-upon price.

      Step 7. Negotiate up — Negotiate the final price of the vehicle up from the rock-bottom cost to the dealership. You can find out what new cars cost a dealer for $14 per vehicle at Consumer Reports. Your monthly payments will be based on the price you and the salesperson settle on. That price will fall somewhere between the dealer’s wholesale price and the manufacturer s suggested retail price.

      Step 8. Beware of gab — Your salesperson may try to push you toward closing the deal by focusing on the relatively low amount you’ll have to pay each month. This, however, will add to the total amount you ll pay.

      Step 9. Paying the Lease — The larger your initial down payment, the lower your monthly tab will be. As with any bill, you ll face penalties if you fail to make payments on time. Turning in your leased car early, before the loan term ends will typically result in a penalty—unless you are trading in the car for another leased or purchased car.

      Related WSJ Articles and Blog Posts:

    Guide to Lease Payments, Lease Calculations and ALG Residual Values #auto #troubleshooting


    #auto lease calculator
    #

    Real World Lease Examples and Calculations

    Last Modified: April 24, 2015 by Jeff Ostroff

    Cap Cost Is Important

    Don’t let the dealer tell you not to worry about the cap cost because it doesn’t affect you. It does! It makes a difference in your payments. They keep quoting monthly payments as a distraction. Pay attention to the value of the entire deal.

    How Your Monthly Lease Payment is Calculated

    There are 3 components:

    1. Monthly Depreciation Fee = ( Net Cap Cost – Residual ) Lease Term
    2. Monthly Finance Charge = ( Net Cap Cost + Residual ) x Money Factor
    3. Sales Tax (Depreciation Fee + Finance Fee) x Tax Rate

    In states like Illinois, Texas and a few others, they tax you according to the gross cap cost up front. This is very unfair because you are only using about 50% equity then returning the vehicle.

    Example

    Assume you lease a car for 36 months, with an adjusted cap cost of $35,000. They give you a residual of 54% after 36 months ($18,900). You can verify this too if you have the ALG Lease Residual Value Software. They disclose the money factor is .00333 (equivalent to 8% APR).

    1. Monthly Depreciation Fee = ( $35,000 – $18,900 ) 36 = $447.22
    2. Monthly Finance Charge = ( $35,000 + $18,900 ) x .00333 = $179.49
    3. Sales Tax = ($447.22 + $179.49) x .06 (Florida Tax is 6%) = $37.60

    Total Monthly Payment = $447.22 + $179.49 + $37.60 = $664.31

    Over 36 months it will cost you $23,915. If you buy the car at the end at its $18,900 residual value, your total cost would be $42,815 + up front fees (bank fee, dealer service fee, security, etc.) Buying is usually cheaper in the long run. If you had bought the car with 8% APR over the same 3 years your monthly payments would be $1,162.57, but your total cost is only $41,852.84.

    Lease Calculator Spreadsheet Download

    I created an Excel spreadsheet to calculate your lease payments (click here to download it ). I based it on the FTC’s Regulation M Model Lease form with several enhancements. I highly suggest that you download it and get practice with it on an old lease or some of the examples on this page. The enhancements I made are the inclusion of the money factor and lines for other closing costs like dealer acquisition. It will show you how much the entire lease will cost you. This is what dealers never tell you. The instructions are on the Instructions tab. Even better than this spreadsheet though, is the Expert Lease Pro Software that has the ALG Residual Values built right into it. You will need this software to accurately calculate Ford leases which are slightly different due to their hidden money factors which makes my spreadsheet off for them.

    You’ll notice in the spreadsheet I made no cell for you to enter MSRP. You never want to see MSRP listed on the lease because you want a negotiated cap cost that is less than MSRP. The only thing MSRP is used for is calculating the residual value but the spreadsheet just allows you to enter the calculated residual value.

    Real World Example #1

    Here’s one from a visitor who emailed me to say how they got scammed. Before going in, the buyer researched all the prices and calculated the numbers in the table below. The dealer also calculated the numbers and showed them a lower monthly payment. Good deal right? Wrong! Examine the costs in the table:

    Lease payment calculator #auto #shippers


    #auto lease calculator
    #

    Check rates by credit score

    When leasing a vehicle, there are finance charges you have to pay which are associated with the capital a lease finance company has placed into service during the term of your auto lease. The lease finance company actually owns the vehicle you’re leasing. And you are paying them to drive the car for a few years and then return it to them. They are entitled to a return on their investment by charging you interest on the money they invested up-front to purchase the vehicle you want to lease. This concept is similar to purchasing the vehicle directly and then taking out an auto loan to finance that purchase. The lease rate therefore is the cost of leasing during the auto lease term.

    What if you don’t know the lease rate? Generally, you can estimate it by shopping for a comparable APR on an auto loan covering the same term as the auto lease. So a 24-month lease rate could be estimated by using a 24-month auto loan rate. The lease rate would always be comparable to that auto loan rate (although never exact), and in some cases might actually be a little lower than an auto loan interest rate over the same term. Like interest on an auto loan, the lower the money factor, the lower your monthly auto lease payments will be. You can also ask the finance manager or sales manager at the dealership what the money factor, or lease rate, is for the car you’re interested in leasing.

    Sample Car Lease Agreement with Explanations #rockcliff #auto


    #auto lease
    #

    Sample Car Lease Agreement with Explanations

    As part of the Consumer Leasing Act, the Federal government has required leasing companies to disclose important information before you sign the lease.

    Although the law goes a long way in protecting consumers, the biggest weakness is that it does not require disclosure of the actual Money Factor (interest rate). Instead, it just lists the total amount of interest you will pay over the life of the lease.

    The following is the standard form used when leasing a car. Scroll over the numbers to see an explanation for each section. (Use our Leasing Glossary for any terms you’re not familiar with)

    My Recommendation for Car Shoppers

    TrueCar No-Haggle and Edmunds Price Promise are the quickest way to see the lowest car prices in your area. These sites show you no-haggle prices from dealers closest to you – and the deals are usually really good. This should be the first step you take when negotiating your car price. Follow this up with my checklist to make sure you squeeze out every last bit of savings.

    Short Term Car Lease California #eastwood #auto


    #short term auto lease
    #

    Short Term Car Lease California

    If you don’t have a car, but you think you may want one for a short amount of time, you should think about getting a short term car lease in California. Car leasing is a type of lending where you are allowed to use a car for a specified amount of time and pay for the time you have it.

    How Leasing Works

    When you lease a car from a dealership, you agree to pay a monthly fee for the amount of time you have the car, but it is not actually the dealership that you are paying. The dealer “places” or “assigns” the loan to a bank, lease company or finance company, which means that the financial institution pays the dealer for the whole lease at once, then receives the payment from the customer. There are two different ways that you can finance a lease. You can allow the dealer to find a finance source, usually the car maker’s own financial company, or find your own finance source through an independent lease company. It is often a better deal to use the independent lease company than the car maker’s financial company.

    California Leasing

    California is a particularly good place to lease a car. Since there are so many people in the state, there are many financial companies to choose from, which makes them compete with each other to make the best deals. You should have no problem finding a good deal on a short term car lease in Los Angeles or any other city in California.

    Related Questions and Answers

    No, there are no California car leasing deals that are specific to the state. Manufacturers will rarely write a leasing special that is specific to a state. In some cases, certain models are only available in certain states, but this is not a very common practice. California is an excellent place to lease a car. Its large population ensures there are plenty of banks and financing companies writing leases. if you have a particular car in mind, check the manufacturers website to see what their latest leasing specials are. These deals will typically last for one to three months. Check your local newspaper ads for leasing deals as well.

    Auto Paint Pro – Naples Auto Body, Lease Returns, PDR, Minor Collision, and more! #classy #auto


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    Welcome to Auto Paint Pros LLC, Naples Auto Body Specialist

    At Auto Paint Pros LLC, we understand your car is a personal investment, and that you want to maintain that investment by keeping your car looking and feeling new for as long as possible. That is why we deliver the cost effective solutions that your car needs to keep it looking good for years to come. We are based in North Naples, and provide service to Cape Coral, Fort Myers, Naples, Bonita Springs, and Estero.

    Accidents happen, even to the most meticulously cared for automobiles. You can trust our technicians to exceed all of your expectations.

    Take a look and browse the variety of high quality auto body, auto collision, and auto painting services that we offer. With over 40 years of combined auto body and collision repair experiences you are sure to be more than pleased with our professional results. Auto Paint Pros LLC, is your source for Auto Body Repair, Automotive Painting, Automotive Tinting, PaintlessDent Removal, Minor Collision Repair, and many other custom Paint and Body services.

    We would love to give you an estimate and show examples of our work. Call us today for your Free Estimate! 239 431 8599

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    California Auto Broker Car Lease Brokers #auto #junk #yards


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    California Auto Brokers, New Car Lease Brokers

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    Hire us to negotiate your next new car purchase or lease available through participating new car dealerships throughout the State of California

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    California Auto Brokers Car Lease Brokers

    is a  fee based service  automotive new car brokerage and leasing company that negotiates great deals with below market pricing for the purchase or lease of new vehicles through participating new car dealerships throughout the State of California.  Both car buying and car lease clients from all over the State of California have enjoyed having an experienced professional representing them on their side to negotiate their purchase or lease for a new car obtained through the statewide inventories of new car dealerships.

    We serve all of California including  San Francisco bay area, Los Angeles ,  Sacramento. San Jose, Santa Cruz, Santa Barbara, Santa Monica, Fresno, Danville, Walnut Creek, San Jose, Monterey, Napa, Newport Beach, Mission Viejo, Laguna Niguel, Palm Springs, Santa Rosa, Oakland, Ontario, Folsom, Riverside, Danville, San Ramon, Orange County, San Bernardino, Thousand Oaks, Ontario, Chico, Redding,  Roseville, Ventura, Irvine and Escondido. We also provide autobroker service to all of Nevada including Reno, Nevada and Las Vegas, Nevada area residents who choose to buy or lease in California.

    Our services are offered for most make and models of new vehicles including Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Ford, GMC, Honda, Hyundai, Infiniti, Jaguar, Jeep, Kia, Lexus, Lincoln, Mazda, Nissan, Porsche, Ram, Subaru, Toyota, Volkswagen and Volvo.

    Chip in Mill Valley says .   Bob is absolutely great to work with. We have purchased numerous vehicles with his help. On the one occasion, a few years back, when I thought I would work with the dealer directly, I was immediately reminded why we use this service. We have not made that mistake since. He is extremely straight forward about what he can and cannot accomplish for you. He explains how he does what he does, and his knowledge and contacts seem to be both broad and deep. Bob has always been able to find us what we want and at a price that is far lower than whatever I have been able to negotiate on my own, even if I did try to follow Edmund s good advice. I unequivocally recommend Bob. He works fast and diligently. No dealer obfuscation, no tension, quick conclusion.

    California Auto Broker Car Lease Brokers

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    “All new cars arranged for sale are subject to price and availability from the selling franchised new car dealer”

    Find Vehicle Lease Deals – Specials from CAL Auto Brokers! #auto #junk #yards


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    CAL Auto Brokers Provide Free Delivery and the Best Deals on Vehicle Leases

    CAL Auto Group is a licensed auto brokerage firm that offers deep discounts on vehicle leases and purchases. CAL Auto Group s auto brokers have been serving all of Los Angeles for the past decade. We pride ourselves on being the most transparent auto brokerage firm in the country. We guarantee our customers get the best deals on their car lease or best the financing if they choose to purchase a vehicle.

    CAL Auto Group has gets the best pricing on any vehicle (BMW, Mercedes Benz, FIAT, Nissan, Toyota, Maserati, etc.) because of our trustworthy relationships and our transparent business practices with dealerships all across Los Angeles. We are located in Calabasas, CA and have contacts throughout Los Angeles.

    Learn More about the Benefits of Leasing through an Auto Broker

    If you have yet to lease a vehicle through an auto broker, read our blog on that discusses the 4 reasons why leasing or purchasing a vehicle is much more beneficial than going through a car dealer.

    Don t waste hours in a dealership only to be offered a bait and switch on the advertisement you saw in the newspaper. With CAL Auto Group s auto brokers, we will work closely with you throughout the lifetime of your vehicle lease or purchase and ensure that you walk away with the best deal possible.

    Free Vehicle Automobile Lease Agreement – PDF or Word Template Form #buy #a #car #online


    #auto lease
    #

    Quick Overview

    Sample Text: (Formatting does not match the actually Forms)

    Automobile Lease Agreement

    THIS AUTOMOBILE ASSOCIATE LEASE AGREEMENT made this _____ day of ____________, 20 ___, by and BETWEEN:

    ___________________________________________________________________

    2.2 Model:

    ___________________________________________________________________

    2.4 Year Built:

    ___________________________________________________________________

    2.5 Vehicle Identification Number (VIN):

    ___________________________________________________________________

    2.6 Odometer Reading:

    ___________________________________________________________________

    The Owner has agreed to Lease the vehicle to the Lessee.

    The Lessee has undertaken to accept the obligation to make the payments due under this Lease during the term of the Lease

    NOW THIS LEASE WITNESSES and the parties agree as follows:

    This Lease shall commence on the _____ day of ____________, 20 ___, and shall continue until the _____ day of ____________, 20 ___, (‘the Term’) subject to early termination and herein provided and to be renewed thereafter by mutual negotiation between the Lessee and the owner.

    The Owner hereby Leases the Vehicle to the Lessee for the Term.

    The Lessee shall at all times during the Term pay to the owner the rent reserved by this Lease on the day and in the manner provided in this Lease. The total amount payable under this Lease is _______________________________________Dollars ($__________________), per month. The first payment shall be due on the commencement date of this agreement and the 1st day of every month thereafter. The first payment shall be prorated based on a calendar year of 365 days divided by the amount of days left in the commencement month.

    Late Payment Fee: Your Minimum Payment Due will be past due if it is not received by us on or before the Payment Due Date listed above. A late charge of 10% of the payment with a minimum of $10.00 will be charged, if at least the Minimum Payment Due, including unpaid payments, is not received by us within 3 days after the Payment Due Date.

    The Leesee will be responsible for all maintenance costs and running costs (including registration, insurance, repairs, oil and fuel, etc) of the Vehicle during the Term of this Lease. This Lease may be terminated by four week’s notice in writing from the Lessee.

    The costs of incidental to the instructions for and the preparation, execution and notarization of this Lease and all other out goings payable in respect of this Lease shall be paid by the Lessee.

    Applicable Law. The laws of the state of _____________________ shall be applied in construing this Lease regardless of where it is executed or where the Vehicle that is the subject matter of this Lease is located.

    IN WITNESS WHEREOF, Buyer and Seller have executed, entered into and delivered this Agreement as of the date first set forth above.

    Owner’s Name(s):

    _________________________________________________________

    By _____________________________________________

    2017 Nissan Sentra vs #2017 #nissan #sentra, #2017 #toyota #corolla, #compare, #vs., #review, #msrp, #invoice, #rebate, #incentive, #lease, #cash #back, #finance, #cost, #warranty, #mpg, #fuel #economy, #engine, #seating, #seats, #city, #highway, #car #photos, #safety, #crash #test, #safety #ratings


    #

    2017 Nissan Sentra vs. 2017 Toyota Corolla Review

    Comparison Review

    Comfort
    Passengers in the back seat will be able to stretch out a lot more in the Toyota Corolla than the Nissan Sentra, due to its greater head- and legroom. Offering just a little more front head- and legroom than the Toyota Corolla, the Nissan Sentra may be a little roomier and more comfortable for the driver and front seat passengers.

    Convenience
    You’ll be making about the same number of stops at the gas station with the Nissan Sentra as you will with the Toyota Corolla, as they get the same number of miles per tank of gas.

    Cost
    There are a lot of factors to consider when calculating the overall cost of a vehicle. The main consideration is Manufacturer’s Suggested Retail Price (MSRP). When looking only at MSRP, the Nissan Sentra will have less of an impact on your bank account than the Toyota Corolla. Another consideration is the Destination Charge, which is a standard charge for transporting the vehicle to the dealer from where it’s built. The Nissan Sentra and the Toyota Corolla have similar Destination Charges.

    Dimensions
    The Nissan Sentra is about the same width as the Toyota Corolla. When looking at overall length, the Nissan Sentra takes up about the same amount of space in your garage as the Toyota Corolla.

    Drivetrain
    With similar torque, the Nissan Sentra and the Toyota Corolla do an equal job of transmitting their engine’s power to their wheels.

    Handling
    The Nissan Sentra has a smaller turning radius than the Toyota Corolla, allowing you to more easily maneuver in and out of tight spots.

    Performance
    The Nissan Sentra has less horsepower than the Toyota Corolla, so it will probably be somewhat slower.

    Utility
    In terms of seating you’ll be able to fit the same number of people in both the Nissan Sentra and the Toyota Corolla. The Nissan Sentra has a roomier cargo area for holding your bags or other items than the Toyota Corolla.

    Warranty
    The Nissan Sentra comes with essentially the same basic warranty as the Toyota Corolla.

    Compare the 2017 Nissan Sentra and the 2017 Toyota Corolla.

    Become a NewCars.com Dealer Partner today.

    Helpful Links

    Certain specifications, prices and equipment data have been provided under license from Chrome Data Solutions (“Chrome Data”). 2017 Chrome Data Solutions, LP. All Rights Reserved. This information is supplied for personal use only and may not be used for any commercial purpose whatsoever without the express written consent of Chrome Data. Chrome Data makes no guarantee or warranty, either expressed or implied, including without limitation any warranty of merchantability or fitness for a particular purpose, with respect to the data presented here. All specifications, prices and equipment are subject to change without notice.

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    Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen Dealer Henderson NV New & Used Cars for Sale near Las Vegas NV – Valley Automall #bmw #repair #las #vegas, #valley #automall #henderson #nevada #new #used #car #dealer #nv #near #las #vegas #where #is #best #preowned #vehicles #me #auto #repair #service #maintenance #parts #find #car #truck #suv #van #finance #lease #specials #reviews #preapproved #tires #battery #brakes #oil #change #coupon


    #

    Valley Automall located in Henderson, NV, near Las Vegas, NV.

    Visit Valley Automall in Henderson, NV for the 2017 or 2018 Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen.

    Valley Automall carries the following new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen models:

    We Are Your Henderson, NV New and Certified Pre-owned Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen Dealership near Las Vegas.

    Are you wondering, where is Valley Automall or what is the closest Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen dealer near me? Valley Automall is located at 7740 Eastgate Road, Henderson, NV 89011. You can call our Sales Department at 702-570-2257, Service Department at 702-570-2257, or our Parts Department at 702-570-2257. Although Valley Automall in Henderson, Nevada is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen models that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Valley Automall a great experience every time.

    New Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen Models for Sale at Valley Automall

    Looking for a new 2017 or 2018 Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen? Look no further than Valley Automall in Henderson, Nevada. We offer a full lineup of new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen vehicles. Our knowledgeable Valley Automall new car dealer staff is dedicated and will work with you to put you behind the wheel of the Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

    Used Cars, Trucks, and SUVs for Sale at Valley Automall

    As a leading Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen dealer near Las Vegas, Valley Automall also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Nevada. Stop by Valley Automall or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

    Auto Finance, Loans, Leasing, and Pre-approvals

    Visit our Valley Automall finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

    Auto Body Repair, Service, Parts, and Accessories

    Our state-of-the-art Service Department here at Valley Automall will keep your new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, FIAT, Ford, GMC, Honda, Jeep, Lexus, Lincoln, Mercedes-Benz, Nissan, Ram, Toyota, Scion and Volkswagen, or for more information about any of the services offered by Valley Automall.

    2017 Valley Automall. All Rights Reserved.

    How to Lease a Car: Tips and Guidelines #atlantic #auto #mall


    #auto leases
    #

    Leasing a Car Overview

    You’ve got your eye on some new wheels — but should you buy or lease? See more pictures of sports cars.

    Tomwang112/ThinkStock

    Some of the sweetest car lease deals have dried up — especially since automakers began offering zero-percent and low-rate financing to entice buyers. Even so, leasing remains an attractive alternative to buying a new vehicle for many motorists. Half of all luxury cars are still leased, as are more than 20 percent of vehicles in general.

    For most consumers, leasing a new vehicle every two or three years would be more expensive than buying one and keeping it after the final payment. Other consumers are quite content to lease a vehicle they could never afford to buy, even if it doesn’t necessarily save money.

    Leasing has two principal benefits: (1) You can drive a newer vehicle that is always under warranty and seldom needs more than routine maintenance, and (2) you can often get a larger, more luxurious, better-equipped car. Car dealerships like leasing because the customer-loyalty rate is three times as strong as it is with buyers.

    In this article, we’ll help you get a better understanding of this alternative to buying, making it easier to decide whether leasing makes sense for you. The topics covered include:

    • Should You Buy or Lease a Car? Leasing isn’t right for everyone, and there are definite risks involved. We’ll help you decide whether you should lease or buy a car. We’ll also weigh the pros and cons of leasing and tell you what types of consumers benefit from leasing. Finally, we’ll provide a real-life breakdown of the costs of leasing vs. buying a car in terms of purchase price, down payment, monthly payment, and the vehicle’s residual value.
    • What You Need to Know About Leasing a Car Evaluating a lease is a matter of basic arithmetic. You need to consider factors like your total initial payment (such as your down payment and any extra fees), your monthly payment, the number of months in lease terms, and any possible additional charges at the end of the lease. We’ll walk you through the ins and outs of what it means to lease a car and give you shopping tips for finding the best lease.
    • How to Negotiate a Car Lease Keep in mind that when you lease a vehicle, just as when you buy one, its cost is negotiable and based on a variety of factors. The lower the total price, the lower your lease payments will be. We’ll help you learn how to negotiate a car lease at the dealership. Before you sign the lease, make sure that you read and understand everything on the page. Learning how to read the fine print will make understanding the terms of the lease less tricky.
    • Car-Leasing Glossary Arm yourself with the tools you need to understand leasing before you hit the dealerships. On this page, we’ll teach you key car-leasing terms and their definitions so that you can make an informed decision about your lease.

    The Car Lease Guide. #auto #body #supplies


    #auto leases
    #

    LeaseGuide.com

    A uto leasing has become very popular in the last few years as consumers are challenged to find affordable automobile financing alternatives in the current economy. Car leasing has grown to record levels never before seen.

    Many people who could benefit from leasing a car have misconceptions, don t know how it works, or how to determine if it s right for them. Some people now leasing are paying too much because they didn t know a good lease deal from a bad one.

    LeaseGuide.com helps you understand auto leasing, how to lease a car the smart way, who should lease (and who should not), how to find monthly lease payments, calculate lease vs buy, and how to get the best lease deals.

    Your site is fantastic. Thank you for the comprehensive and logical explanation of leasing. I feel prepared to step into the dealers domain and get a fair and good deal for myself. Your site is the absolute best site on the web for leasing information.   Nancy Yahoo.com

    Lease Amortization Schedule: Equipment Payment Excel Calculator #auto #electrical #supplies


    #auto amortization schedule
    #

    Lease Amortization Schedule: Equipment Payment Excel Calculator

    By uncle on September 14, 2013

    If you are an Accountant for a small or medium sized company with multiple leases (or loans) then you probably experience problems with generating accounting entries every month.

    What you need to work out are the principal and interest amounts for each lease and then summarize them. In case of just few loans or leases this isn t a big issue.

    But if you maintain several dozens of amortization schedules then the task can become quite time consuming.

    How Lease Accounting Usually Works

    The typical scenario is like that: You maintain separate amortization spreadsheets for each lease. Then at the month-end you take the principal and interest amounts of each lease and sum it up.

    And here is where the problem starts. One way to sum up all individual amounts is doing so manually. This, however, takes time.

    Your second option is to interlink all spreadsheets and calculate the summary in one master spreadsheet. The hard part here is interlinking all these individual sheets. As we all know, this process in Excel doesn t work smoothly all the time. Often the numbers don’t flow through.

    Sometimes you must open all files at once in order for the numbers to get updated correctly. With dozens of files open at the same time your PC performance goes down. Sometimes it even crashes.

    And what about the missing links? How often do you move a file to another place on your Disk and the link gets broken? Now you need to fix the formulas.

    Sounds all familiar?

    Wouldn t it be nice to have all Individual and Consolidated lease schedules in a single Spreadsheet?

    We thought so, too! Therefore, we developed this:

    Multiple Leases Amortization Calculator in Excel

    Our Excel Calculator that can take away all your headaches during  the month-ends or year-ends.

    With this calculator you can manage all your leases (or loans) in one Excel file, getting individual and consolidated schedules in one place.

    Free Version of our Lease Calculator includes all functionality, except for locked interest rate. Try it and if it suits your needs then you can purchase the full version.

    In case you have any questions about this calculator then please talk to us . We will be glad to explain it.

    Current limit of this calculator is 80 leases (or loans). The reason to minimizing the file size. Now it stands at around 2.6 MB. Extending it for more leases means that the Excel file will get bigger.

    This should not be a problem, Excel can easily handle files even few dozen MB large. Just the opening and processing times will slightly increase.

    What You Need to Run the Lease Calculator

    To be able to run the calculator you ideally need to have Microsoft Excel 2010 installed on your computer.

    The calculator may also run on Excel 2007. Just the List of Values boxes may not work properly, so you will need to type Loan Term manually instead of picking it from the Drop-down List.

    We advise you download the free version and make sure that you can run it on your computer without problems.

    Once you make sure that it runs fine then you can buy it. The Premium Version of the Lease Calculator looks and feels exactly the same as the Free Version, just allows you to maintain more leases (or loans)

    User Manual

    Using this calculator is pretty easy. If you are familiar with Excel then it should be a piece of cake. But just to be sure that you understand it and are comfortable with all its functions, here we included instructions on how to use it.

    Sheet 1 – Data Entry

    In this sheet you need to specify all entry parameters for your leases (or loans) as shown in the image below.

    Sheet 2 – Individual Schedules

    Here you can get details for individual amortization schedules. Simply pick Lease or Loan name in field C4.

    Note: Every time you add new lease or change parameters for existing lease, click on “Refresh” button to get the calculation updated.

    Sheet 3 – Consolidated Schedule

    This sheet will provide summary for Total Monthly Principal and Total Interest Amounts data for all your Leases per period (month).

    Note: Again, every time you add new leases (loans) or change parameters of existing ones don’t forget to click on the “Refresh” button to get the data re-calculated.

    Sheet 4 – Repayment Calendar

    We have included Repayment Calendar to schedule your Lease payments. With this handy report you will never miss a single repayment. It will also help you with planning your Cash Flow.

    Note: After updating Entry Data sheet, always hit the “Refresh” button to get the values refreshed.

    Sheet 5 – Charts

    Last, but not least important for your work are graphs showing Repayments and Outstanding Balance Trends. We have included these graphs to help you with your reporting.

    You can print them and attach to your monthly management reporting pack. It will nicely show your financial position where you stand.

    Note: As usual, don’t forget to hit “Refresh” button every time you change entry parameters of your Leases or Loans.

    We hope you will enjoy our Lease Calculator. If you have any questions or suggestions then please do not hesitate to contact us through our Contact Form .

    Auto Lease Calculator at #checker #auto


    #auto lease calculator
    #

    Auto Lease Calculator

    Calculate your car payment for a lease

    1 Zip Code

    1. Zip Code (for rates and pricing in your area) Update Zip Code

    2 Vehicle Costs

      Select a Vehicle. Select a Vehicle

      1. Specify New Used
      2. Model Year
      3. Vehicle Make
      4. Vehicle Model
      5. Style Update Vehicle Reset

      OR

    1. Vehicle Sales Price, or Capitalized Cost. (with typical options) +
    2. Title, Registration and Other Fees. +
    3. Incentives and Rebates –

    3 Trade-In and Down Payment

      Select a vehicle for your Trade-In to receive the most accurate calculation. Select Trade-In

      1. Specify New Used
      2. Model Year
      3. Vehicle Make
      4. Vehicle Model
      5. Style Update Vehicle Reset
    1. Value of Your Trade-In ?
    2. Amount Owed on Your Trade-In ?
    3. Cash Down Payment, or Capitalized Cost Reduction ?

    4 Lease Financing

    1. Lease Term. (months)
    2. Lease Residual Value ?
    3. Money Factor. (The Money Factor is calculated based on the interest rate (APR) for your lease loan)
    4. Miles Driven per Year ?
    5. Acquisition Fee ?

    Calculate

    1. Total Loan Amount
    2. Monthly Payment (tax included)
    3. Security Deposit (If there is a security deposit for your lease, it is not calculated into either the total loan amount or your monthly payment)

    Next Steps

    Research and Price This Vehicle

    Research and Price Vehicles You Can Afford

    Auto Paint Pro – Naples Auto Body, Lease Returns, PDR, Minor Collision, and more! #replacement #auto #body #parts


    #auto paint
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    Welcome to Auto Paint Pros LLC, Naples Auto Body Specialist

    At Auto Paint Pros LLC, we understand your car is a personal investment, and that you want to maintain that investment by keeping your car looking and feeling new for as long as possible. That is why we deliver the cost effective solutions that your car needs to keep it looking good for years to come. We are based in North Naples, and provide service to Cape Coral, Fort Myers, Naples, Bonita Springs, and Estero.

    Accidents happen, even to the most meticulously cared for automobiles. You can trust our technicians to exceed all of your expectations.

    Take a look and browse the variety of high quality auto body, auto collision, and auto painting services that we offer. With over 40 years of combined auto body and collision repair experiences you are sure to be more than pleased with our professional results. Auto Paint Pros LLC, is your source for Auto Body Repair, Automotive Painting, Automotive Tinting, PaintlessDent Removal, Minor Collision Repair, and many other custom Paint and Body services.

    We would love to give you an estimate and show examples of our work. Call us today for your Free Estimate! 239 431 8599

    Full Custom Paint Services

    Best Car Lease Deals #old #cars


    #auto leases
    #

    Looking for the best car lease deal that a dealer can give? You ve landed in the right place! Find No-Money Down, $160-a-month car leasing deal and it’s our leasing discounts and car lease specials that make that happen.

    Request for a car leasing quotation on any new car and we will make sure that you have no doubts about getting the best car lease deals. Find guides and tips on leasing a car in the Blog and Articles sections too. At Car Leasing Secrets, we aim to provide you all the information you need on car leasing. A listing of useful websites is also available in the Car Leasing Secrets Directory page.

    Find Vehicle Lease Deals – Specials from CAL Auto Brokers! #portland #auto #auction


    #auto broker
    #

    CAL Auto Brokers Provide Free Delivery and the Best Deals on Vehicle Leases

    CAL Auto Group is a licensed auto brokerage firm that offers deep discounts on vehicle leases and purchases. CAL Auto Group s auto brokers have been serving all of Los Angeles for the past decade. We pride ourselves on being the most transparent auto brokerage firm in the country. We guarantee our customers get the best deals on their car lease or best the financing if they choose to purchase a vehicle.

    CAL Auto Group has gets the best pricing on any vehicle (BMW, Mercedes Benz, FIAT, Nissan, Toyota, Maserati, etc.) because of our trustworthy relationships and our transparent business practices with dealerships all across Los Angeles. We are located in Calabasas, CA and have contacts throughout Los Angeles.

    Learn More about the Benefits of Leasing through an Auto Broker

    If you have yet to lease a vehicle through an auto broker, read our blog on that discusses the 4 reasons why leasing or purchasing a vehicle is much more beneficial than going through a car dealer.

    Don t waste hours in a dealership only to be offered a bait and switch on the advertisement you saw in the newspaper. With CAL Auto Group s auto brokers, we will work closely with you throughout the lifetime of your vehicle lease or purchase and ensure that you walk away with the best deal possible.

    Free Vehicle Automobile Lease Agreement – PDF or Word Template Form #lkq #auto #parts


    #auto lease
    #

    Quick Overview

    Sample Text: (Formatting does not match the actually Forms)

    Automobile Lease Agreement

    THIS AUTOMOBILE ASSOCIATE LEASE AGREEMENT made this _____ day of ____________, 20 ___, by and BETWEEN:

    ___________________________________________________________________

    2.2 Model:

    ___________________________________________________________________

    2.4 Year Built:

    ___________________________________________________________________

    2.5 Vehicle Identification Number (VIN):

    ___________________________________________________________________

    2.6 Odometer Reading:

    ___________________________________________________________________

    The Owner has agreed to Lease the vehicle to the Lessee.

    The Lessee has undertaken to accept the obligation to make the payments due under this Lease during the term of the Lease

    NOW THIS LEASE WITNESSES and the parties agree as follows:

    This Lease shall commence on the _____ day of ____________, 20 ___, and shall continue until the _____ day of ____________, 20 ___, (‘the Term’) subject to early termination and herein provided and to be renewed thereafter by mutual negotiation between the Lessee and the owner.

    The Owner hereby Leases the Vehicle to the Lessee for the Term.

    The Lessee shall at all times during the Term pay to the owner the rent reserved by this Lease on the day and in the manner provided in this Lease. The total amount payable under this Lease is _______________________________________Dollars ($__________________), per month. The first payment shall be due on the commencement date of this agreement and the 1st day of every month thereafter. The first payment shall be prorated based on a calendar year of 365 days divided by the amount of days left in the commencement month.

    Late Payment Fee: Your Minimum Payment Due will be past due if it is not received by us on or before the Payment Due Date listed above. A late charge of 10% of the payment with a minimum of $10.00 will be charged, if at least the Minimum Payment Due, including unpaid payments, is not received by us within 3 days after the Payment Due Date.

    The Leesee will be responsible for all maintenance costs and running costs (including registration, insurance, repairs, oil and fuel, etc) of the Vehicle during the Term of this Lease. This Lease may be terminated by four week’s notice in writing from the Lessee.

    The costs of incidental to the instructions for and the preparation, execution and notarization of this Lease and all other out goings payable in respect of this Lease shall be paid by the Lessee.

    Applicable Law. The laws of the state of _____________________ shall be applied in construing this Lease regardless of where it is executed or where the Vehicle that is the subject matter of this Lease is located.

    IN WITNESS WHEREOF, Buyer and Seller have executed, entered into and delivered this Agreement as of the date first set forth above.

    Owner’s Name(s):

    _________________________________________________________

    By _____________________________________________

    GM Incentives, Rebates and Lease Deals December 2015 – Includes GMC, Chevrolet, Buick #auto #wrecking #yards


    #auto incentives
    #

    GM Incentives and Lease Deals for December 2015

    Car sales have been very strong this year, but GM has lots of leftover models they need to get rid of, so they’re offering lots of cash back rebates on remaining 2015 models as the 2016s take over showrooms.

    The average incentive per vehicle is currently $3,660, up 7% compared to the same time last year.

    There are large cash-back rebates and hidden dealer rebates available mostly on the leftover models and trucks, such as $3,500 cash back on the Chevrolet Cruze, and $2,500 on the Chevrolet Silverado. GM is also offering financing as low as 0% on most models.

    Here are the maximum rebates and dealer cash available nationwide. (Note: incentives can vary greatly by region; these figures may not be accurate in your local area. Always verify with your local dealers) Tip: Be sure to use TrueCar and Edmunds Price Promise (They both have good pre-negotiated prices)

    2017 Toyota Tacoma vs #2017 #toyota #tacoma, #2017 #toyota #tundra, #compare, #vs., #review, #msrp, #invoice, #rebate, #incentive, #lease, #cash #back, #finance, #cost, #warranty, #mpg, #fuel #economy, #engine, #seating, #seats, #city, #highway, #car #photos, #safety, #crash #test, #safety #ratings


    #

    2017 Toyota Tacoma vs. 2017 Toyota Tundra Review

    Comparison Review

    Comfort
    Due to its greater head- and legroom, passengers in the extended cab will be able to stretch out a lot more in the Toyota Tundra than in the Toyota Tacoma. As far as headroom and legroom go, there’s not much difference between the Toyota Tacoma and the Toyota Tundra.

    Convenience
    You’ll be making about the same number of stops at the gas station with the Toyota Tacoma as you will with the Toyota Tundra, as they can travel a similar number of miles on a tank of gas.

    Cost
    There are a lot of factors to consider when calculating the overall cost of a vehicle. The main consideration is Manufacturer’s Suggested Retail Price (MSRP). Clearly, the Toyota Tacoma is a better financial choice over the Toyota Tundra, when considering MSRP. Another consideration is the Destination Charge, which is a standard charge for transporting the vehicle to the dealer from where it’s built. The Toyota Tacoma carries a much lower Destination Charge than the Toyota Tundra.

    Dimensions
    Since the Toyota Tacoma is much slimmer than the Toyota Tundra, it’ll be much easier to find a wide enough space in a crowded parking lot. If you go with the Toyota Tacoma, you’ll have a much easier time finding a large enough space to park than you will with the Toyota Tundra.

    Drivetrain
    With its lower torque engine, the Toyota Tacoma doesn’t do as good a job transmitting horsepower to its wheels as the Toyota Tundra.

    Handling
    The Toyota Tacoma has a smaller turning radius than the Toyota Tundra, allowing you to more easily get in and out of tight spots.

    Performance
    If you’ve got something you need to tow, the Toyota Tacoma will do just as well as the Toyota Tundra, since they have about the same towing capacity. The Toyota Tacoma has a little less horsepower than the Toyota Tundra.

    Utility
    The Toyota Tacoma has less seating than the Toyota Tundra, making the Toyota Tundra the better choice if you often have passengers.

    Warranty
    The Toyota Tacoma comes with essentially the same basic warranty as the Toyota Tundra.

    Compare the 2017 Toyota Tacoma and the 2017 Toyota Tundra.

    Become a NewCars.com Dealer Partner today.

    Helpful Links

    Certain specifications, prices and equipment data have been provided under license from Chrome Data Solutions (“Chrome Data”). 2017 Chrome Data Solutions, LP. All Rights Reserved. This information is supplied for personal use only and may not be used for any commercial purpose whatsoever without the express written consent of Chrome Data. Chrome Data makes no guarantee or warranty, either expressed or implied, including without limitation any warranty of merchantability or fitness for a particular purpose, with respect to the data presented here. All specifications, prices and equipment are subject to change without notice.

    Uh oh! This site will not function properly if you have JavaScript turned off.

    To save money on your next car purchase, please follow the instructions below to turn JavaScript on.

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      Click on the Safari (OS X) or Edit (Windows) Menu Preferences Security Tab. Check the Enable Javascript box. Close the Preferences window. Refresh your browser.

    Lease Calculator #car #auto #parts


    #auto lease calculator
    #

    Lease Calculator

    This lease calculator can be used to calculate the monthly payment or the actual interest for a lease. If you know the interest rate, use the “Fix Rate” to calculate the monthly payment. If you only know the monthly payment, use the “Fix Payment” to check what the actual interest rate is. We also have specialized auto lease calculator for U.S. residents.

    Result

    What is a Lease?

    A lease is a contract made for the use of an asset. It is made between a lessor (the owner of the asset) and a lessee (the person who wants to use the asset).

    You will hear the most about leasing houses and cars, but you can lease anything. Businesses routinely lease all sort of equipment, because the effect on the bottom line and on tax is favorable.

    There is a considerable difference between leasing an asset and renting it. A lease contract is a strictly binding business agreement. The two parties make the agreement and neither one can deviate from its terms (without some very exceptional reason). Lease an apartment for three years, and you owe the rent on that apartment for the next three years month by month, and if you don’t pay it, you will incur serious penalties.

    This is very different from renting an apartment. Most rental contracts are covered by much more considerate terms for the tenant, who can move out early; arrange late payment in some cases, etc. That is why it is unusual for a landlord to lease an apartment to an individual the laws covering rental contracts are better protection for both tenant and landlord. However, should a business seek an apartment to use, perhaps, for executives who visit the city from time to time, a leasing agreement might be favorable.

    When agreeing to a lease, you will almost certainly be asked to make a deposit to cover risk of damages and non-payment. It should be clearly stated in the lease that the deposit is refundable.

    Leasing a Car

    The most common form of leasing seen today is automobile leasing. This is not because leasing a car is cheaper than buying one on the contrary, overall it’s more expensive. But auto leasing has two principal benefits that make it very popular despite the expense: You can always drive a fairly new car, and it’s always under warranty; and, for the same budget, you can often get a larger, more luxurious, better-equipped car.

    When you lease, there are many factors to consider: The initial down payment, the amount of the monthly payment, the time of the lease (this is usually three years in the U.S. but it is possible to lease for six years), the mileage you can drive every year, etc.

    Your monthly payment is based on the difference between the cost of the automobile (“transaction price” or its “capitalized cost”) when it’s new, and what the car is forecast to be worth at the end of the leasing period this is called the “residual value.” This difference is financed at a particular rate of interest which is sometimes called the “leasing rate. You may also have to put down a security deposit (this is usually one month’s payment). There can be additional charges that the dealer may impose, so you should discuss all the financing carefully before agreeing to an automobile leasing contract.

    Business Leasing

    A business leasing equipment is more like a consumer leasing a car: The business pays a monthly fee for the use of the asset, and at the end of the lease period, the business can purchase the asset at residual value. Sometimes an agreement is made for such a purchase at a fixed value at the beginning of the lease. At other times, businesses can simply stop leasing, or continue leasing the equipment.

    The advantages to the business are considerable. The business can acquire and use expensive equipment while paying only a fraction of its cost upfront. Lease payments are also tax deductible as a business expense. Further, once the lease is over, the business can lease new equipment, obtaining it again without having to pay out for it.

    Leasing Real Estate

    Leasing real estate usually involves a business that seeks office space, or land, or a factory. It is rare for private individuals to lease real estate because, as we have seen, renting is much more favorable to both landlord and tenant.

    Commercial leasing of real estate does not usually lead to the purchase of the property by lessee. It is essentially the same as renting, but the terms are stricter. The most important item is the length of the lease, of course, because once you are committed for the period, you cannot change it. The monthly payment sometimes includes other charges like insurance, tax and maintenance: All of this should be transparent, and you should know exactly what you are paying for. You will make a security deposit, but the lease should guarantee that you get it back at the end unless specific conditions occur (damages, non-payment, etc.).

    The lease should also define exactly what you are paying for; the exact space and facilities should be carefully listed. If you have the right to use any common areas in the building, it should be specifically stated.

    The lease calculator above can help for both car leasing and business leasing to estimate the periodical payments or real interest rate. Real estate leasing is different in that many times the residual value might be higher than when the lease starts due to asset appreciation. The monthly pay for real estate leasing depends mainly on the market.

    Worlds Largest Lease Marketplace #auto #supply


    #short term auto lease
    #

    Short Term Car Leasing

    Are you looking for a short term car lease or a short term car rental? Consider a lease assumption through the Swapalease marketplace. Swapalease is a market for people wanting for various reasons to terminate a car lease early, and you can get a great deal on a short term car lease at a better price than a short term car rental as you are only committed to remaining time on the car lease. Our marketplace has many short term car leases with only months remaining on them. Of course long term car lease vehicles are available as well at a substantial savings over a long term car rental.

    Imagine a short term car lease or a long term car lease with no down payment as you are taking advantage of the original down payment paid the person who initiated the auto lease. We assist people through it every day at Swapalease .

    At Swapalease helping people find a short term car lease or even a long term car lease is a part of our daily business. Our buyers save huge over traditional car leases and even more when compared to a short term car rental or long term car rental. Let us help you today.

    Short Term Car Leasing . our lease experts will show you how

    • Save money through a lease assumption .
    • Added savings over short term car rental
    • Possible cash incentives for leasing certain models

    Swapalease is both the world’s largest automotive lease marketplace as well as the pioneer of facilitating lease transfers online. If you are in the market for leasing a vehicle or exiting a vehicle lease early, Swapalease can help.

    Millions of buyers and sellers visit Swapalease each year to acquire, sell, and trade automobiles. The Swapalease marketplace is comprised of existing leases available for transfer by another individual, as well as new and pre-owned lease offerings. Most automotive lease contracts permit leases to be transferred ultimately saving consumers thousands of dollars.

    Please contact one of our automotive lease specialists today at 1-866-SWAPNOW (1-866-792-7669) and begin or end your vehicle lease

    What You Need To Know About A Short Term, 3 Month Car Lease #auto #air #filters


    #short term auto lease
    #

    What You Need To Know About A Short Term, 3 Month Car Lease

    People choose to lease a car for many reasons, such as traveling for work or for personal use. If you need a car short-term, such as a 3 month car lease, there are several things to consider.

    Short term car lease offers can be hard to come by, generally a dealer will prefer to lease a car for a standard lease term of 24 month or more. Because of this, any available short-term lease deals will usually have much higher monthly costs when compared to a typical lease.

    Here are a few things to know about short-term leases and lease take overs. Keep the following in mind, should you lease a new car and want to transfer the lease to another person:

    • Leasing a car for shorter periods of time, such as a 3 month lease, most often means you’ll end up renting – which can be more costly versus a long-term lease. It may work out cheaper to just lease a car for a standard lease term, find out what deals are available in your area by requesting your free, no obligation lease price quote .
  • A lease takeover or assumption means you’ll assume complete responsibility for monthly payments – driving the car for the rest of the lease term and returning it to the dealership/financing agency. Often this is not a favorable deal, because the monthly payments will be too expensive.
  • The downside to assuming a lease is that the car you’re leasing is no longer brand new. Depending on the driving habits of the previous driver, you could end up with a poorly maintained car – possibly even paying extra for wear and tear, or mileage fees at the end of the lease term.

  • 3 Month Lease Deals are Hard To Come By- Find Standard Lease Deals Near You!

    • The first thing to do is determine the type of car that will meet your needs and priorities. By evaluating what is most important to you in a car, you’ll be able to select the style to best meet your needs.
  • Request a free, no obligation lease price quote to see the short-term lease specials being offered by local dealerships. You will be able to see which dealerships in your area will offer you special incentives on standard leases that could work out cheaper than a 3 month lease.
  • Think about the total leasing costs for the lease term. Estimate anticipated gas mileage, insurance and leasing fees. Evaluate the rates for different classes of cars – it’s possibly a different class will give you a lower overall cost.
  • Request a free new car lease quote now to find the best lease deals in your area, you’ll be surprised at the offers that could work out to being better than a 3 month leasing offer. Learn everything you need to know, so you can negotiate with confidence for the best car lease price possible.

    Vehicle Financing: Buy, Lease, Ally Buyer s Choice & More #auto #care


    #auto loan refinance
    #

    Personal Vehicle Financing

    Discover Financing That Fits

    Ally Balloon Advantage

    Buy a Vehicle

    Flexible terms for virtually any budget

    With a wide selection of financing options and flexible terms, we can help you keep your monthly payments where you want them.

    Ally financing gives you all the benefits of Ally Auto Online Services, including:

    • A convenient online account. Check your payment status, view your balance or sign up for online statements.
    • Easy payment options. Enroll in Auto Pay for monthly payment withdrawals from your checking or savings account or to make a one-time payment.
    • On-the-go access. Keep tabs on your account with the Ally Auto Mobile Pay app.

    Specialty vehicle financing

    Ally’s specialty financing plans cover accessibility needs like wheelchair lifts and right-hand drive capability. Many of our financing options offer flexible terms for qualified buyers of mobility and adaptive equipment vehicles.

    Short-term-lease – 3, 6, 12 month car and van lease offers #auto #transmission


    #short term auto lease
    #

    Short Term 3/6 12 Month Lease

    We understand that sometimes you need to be flexible

    Our New 3 and 6 Month Contract for cars and commercials

    FREE Servicing and maintenance costs included

    FREE Recovery Policy included

    FREE England Wales collection and delivery

    Rentals are subject to VAT.

    Our supplier will require a security deposit for personal lease customers and may/may not need a security deposit for businesses (subject to status), which if required will be fully refunded at the end of the lease period subject to any vehicle damage and/or excess mileage charges.

    Excess mileage charge is 12 pence per mile plus vat.

    Payment profile is 1 monthly rentals in advance, followed by 2/5 monthly payments.

    Our vehicles are brand new so have to be registered and pre-delivery inspected prior to delivery so we like to try and allow 7 days from the point of acceptance to delivery however will move quicker if necessary.

    12 18 Month Lease Deals

    November 2015 s $199 Lease Deals #genuine #auto #parts


    #best auto lease deals
    #

    Making Sense of All the $199/Month Lease Deals

    ADVERTISEMENT

    Drive a brand-new car for only $199 a month. It isn’t too good to be true. At any given time there are many factory-backed lease deals clustered around that price.

    Here are the lease deals currently listed on their manufacturer’s websites at or near $199 a month. While all were featured as of November 4, 2015, some aren’t available in all regions of the United States. For comparison’s sake, we’ve calculated the total cost of each lease to completion and further calculated what each costs per mile, assuming full utilization of the mileage allowance. Watch out, however, for additional charges like unaccounted acquisition and lease-end disposition fees. For more detailed pricing, check out our Price Promise tool.

    Not all leases are built exactly the same. Some leases ask for more money up front but have lower monthly payments. Some are the opposite; they entice you with a very low drive-off amount but have slightly higher monthly payments. Try to find a lease that strikes a balance among the miles you drive, a low monthly payment and low drive-off fees. Always add up the entire cost of a lease and compare those numbers before deciding. If all this needs clarification or you need to bounce ideas off someone who knows what’s going on, don’t hesitate to reach out to the Edmunds.com Live Help team for free assistance.

    These premium deals are generally available only to customers with sterling credit ratings. There may be other programs for less stellar credit cases. And all lessees should remember that these monthly payments do not include sales tax and other fees.

    There are subtleties to any and every lease. And tailoring a lease before you sign it is the single best way to ensure you’ll be happy as long as you’re in it and on your way out of it. But these heavily advertised leases with their discounted factory financing and aggressive pricing are a good starting point.

    Click image to enlarge and see more information.

    2015 Buick Encore $175 per month/24 months

    Buick’s small and versatile crossover is available for as little as $175 a month if you’re a lessee of a competitive vehicle and can accept that it’s a 2015 model instead of a 2016. Keep in mind that this lease is for only two years and only covers 20,000 miles of use. Offers are likely to vary by region. Offers end November 30.

    The Equinox is a large and useful crossover SUV and consistently one of Chevy’s best sellers. The $189 a month includes an allotted 20,000 miles, but the money due at signing (as low as $889) differs according to region and whether or not the customer is coming out of a competitive lease. Offer ends November 30.

    Auto Lease Calculator at #auto #usa


    #auto lease calculator
    #

    Auto Lease Calculator

    Calculate your car payment for a lease

    1 Zip Code

    1. Zip Code (for rates and pricing in your area) Update Zip Code

    2 Vehicle Costs

      Select a Vehicle. Select a Vehicle

      1. Specify New Used
      2. Model Year
      3. Vehicle Make
      4. Vehicle Model
      5. Style Update Vehicle Reset

      OR

    1. Vehicle Sales Price, or Capitalized Cost. (with typical options) +
    2. Title, Registration and Other Fees. +
    3. Incentives and Rebates –

    3 Trade-In and Down Payment

      Select a vehicle for your Trade-In to receive the most accurate calculation. Select Trade-In

      1. Specify New Used
      2. Model Year
      3. Vehicle Make
      4. Vehicle Model
      5. Style Update Vehicle Reset
    1. Value of Your Trade-In ?
    2. Amount Owed on Your Trade-In ?
    3. Cash Down Payment, or Capitalized Cost Reduction ?

    4 Lease Financing

    1. Lease Term. (months)
    2. Lease Residual Value ?
    3. Money Factor. (The Money Factor is calculated based on the interest rate (APR) for your lease loan)
    4. Miles Driven per Year ?
    5. Acquisition Fee ?

    Calculate

    1. Total Loan Amount
    2. Monthly Payment (tax included)
    3. Security Deposit (If there is a security deposit for your lease, it is not calculated into either the total loan amount or your monthly payment)

    Next Steps

    Research and Price This Vehicle

    Research and Price Vehicles You Can Afford

    How to get the best car lease – Consumer Reports #auto #wrecking #yards


    #auto lease deals
    #

    Compare rates to get the best deal

    Leases typically are arranged through the dealership. Like a loan, a lease can come from the automaker or a third-party lender. You also may be able to arrange a lease yourself through an independent bank or finance company.

    Whether you’re comparing leases or evaluating a single offer, pay particular attention to the lease interest rate, called the “money factor.” (To convert the money factor to a comparable loan rate, multiply it by 2,400. Thus, a money factor of .00333333 multiplied by 2,400 is an 8 percent APR.)

    The best lease rates generally are a tad higher than the rates for an equiva­lent loan. That’s because leasing—which is based on estimated residual values—is more risky for the lender, as recent events have shown. If the lease rate you’re being offered is significantly higher than current loan rates, you might consider trying another leasing company. Keep in mind that lease rates, like those for loans, depend on your credit score.

    Auto dealerships may work with several leasing companies, and terms can vary significantly among them. Generally, the manufacturer’s finance subsidiary—Ford Motor Credit, for example—likely will provide the most attractive terms. This option is worth asking about first, but don’t stop there.

    A few banks and credit unions offer leases. Or you may be able to arrange a lease or compare lease offers through sources such as autoleaseDirect. LeaseCompare.com. or Credit Union Leasing of America. Consumer Reports has not evaluated any of these organizations.

    Keep an eye on the automotive section of your local paper for special leases that are offered by auto manufacturers through their subsidiary finance arm (they will be labeled as such in the fine print).

    These so-called subvented leases are subsidized by automakers and are often used to push models that are in low demand or to help clear dealer inventories. One way automakers make these leases more attractive is to offer low lease rates. Another way is by using an artificially high vehicle residual value, thus lowering the depreciation and, as a result, the monthly payment. Such deals, however, may only be available to customers with top credit scores.

    Lease Calculator #orielly #auto #parts


    #auto lease calculator
    #

    Lease Calculator

    This lease calculator can be used to calculate the monthly payment or the actual interest for a lease. If you know the interest rate, use the “Fix Rate” to calculate the monthly payment. If you only know the monthly payment, use the “Fix Payment” to check what the actual interest rate is. We also have specialized auto lease calculator for U.S. residents.

    Result

    What is a Lease?

    A lease is a contract made for the use of an asset. It is made between a lessor (the owner of the asset) and a lessee (the person who wants to use the asset).

    You will hear the most about leasing houses and cars, but you can lease anything. Businesses routinely lease all sort of equipment, because the effect on the bottom line and on tax is favorable.

    There is a considerable difference between leasing an asset and renting it. A lease contract is a strictly binding business agreement. The two parties make the agreement and neither one can deviate from its terms (without some very exceptional reason). Lease an apartment for three years, and you owe the rent on that apartment for the next three years month by month, and if you don’t pay it, you will incur serious penalties.

    This is very different from renting an apartment. Most rental contracts are covered by much more considerate terms for the tenant, who can move out early; arrange late payment in some cases, etc. That is why it is unusual for a landlord to lease an apartment to an individual the laws covering rental contracts are better protection for both tenant and landlord. However, should a business seek an apartment to use, perhaps, for executives who visit the city from time to time, a leasing agreement might be favorable.

    When agreeing to a lease, you will almost certainly be asked to make a deposit to cover risk of damages and non-payment. It should be clearly stated in the lease that the deposit is refundable.

    Leasing a Car

    The most common form of leasing seen today is automobile leasing. This is not because leasing a car is cheaper than buying one on the contrary, overall it’s more expensive. But auto leasing has two principal benefits that make it very popular despite the expense: You can always drive a fairly new car, and it’s always under warranty; and, for the same budget, you can often get a larger, more luxurious, better-equipped car.

    When you lease, there are many factors to consider: The initial down payment, the amount of the monthly payment, the time of the lease (this is usually three years in the U.S. but it is possible to lease for six years), the mileage you can drive every year, etc.

    Your monthly payment is based on the difference between the cost of the automobile (“transaction price” or its “capitalized cost”) when it’s new, and what the car is forecast to be worth at the end of the leasing period this is called the “residual value.” This difference is financed at a particular rate of interest which is sometimes called the “leasing rate. You may also have to put down a security deposit (this is usually one month’s payment). There can be additional charges that the dealer may impose, so you should discuss all the financing carefully before agreeing to an automobile leasing contract.

    Business Leasing

    A business leasing equipment is more like a consumer leasing a car: The business pays a monthly fee for the use of the asset, and at the end of the lease period, the business can purchase the asset at residual value. Sometimes an agreement is made for such a purchase at a fixed value at the beginning of the lease. At other times, businesses can simply stop leasing, or continue leasing the equipment.

    The advantages to the business are considerable. The business can acquire and use expensive equipment while paying only a fraction of its cost upfront. Lease payments are also tax deductible as a business expense. Further, once the lease is over, the business can lease new equipment, obtaining it again without having to pay out for it.

    Leasing Real Estate

    Leasing real estate usually involves a business that seeks office space, or land, or a factory. It is rare for private individuals to lease real estate because, as we have seen, renting is much more favorable to both landlord and tenant.

    Commercial leasing of real estate does not usually lead to the purchase of the property by lessee. It is essentially the same as renting, but the terms are stricter. The most important item is the length of the lease, of course, because once you are committed for the period, you cannot change it. The monthly payment sometimes includes other charges like insurance, tax and maintenance: All of this should be transparent, and you should know exactly what you are paying for. You will make a security deposit, but the lease should guarantee that you get it back at the end unless specific conditions occur (damages, non-payment, etc.).

    The lease should also define exactly what you are paying for; the exact space and facilities should be carefully listed. If you have the right to use any common areas in the building, it should be specifically stated.

    The lease calculator above can help for both car leasing and business leasing to estimate the periodical payments or real interest rate. Real estate leasing is different in that many times the residual value might be higher than when the lease starts due to asset appreciation. The monthly pay for real estate leasing depends mainly on the market.

    Lease payment calculator #auto #financing #calculator


    #auto lease calculator
    #

    Check rates by credit score

    When leasing a vehicle, there are finance charges you have to pay which are associated with the capital a lease finance company has placed into service during the term of your auto lease. The lease finance company actually owns the vehicle you’re leasing. And you are paying them to drive the car for a few years and then return it to them. They are entitled to a return on their investment by charging you interest on the money they invested up-front to purchase the vehicle you want to lease. This concept is similar to purchasing the vehicle directly and then taking out an auto loan to finance that purchase. The lease rate therefore is the cost of leasing during the auto lease term.

    What if you don’t know the lease rate? Generally, you can estimate it by shopping for a comparable APR on an auto loan covering the same term as the auto lease. So a 24-month lease rate could be estimated by using a 24-month auto loan rate. The lease rate would always be comparable to that auto loan rate (although never exact), and in some cases might actually be a little lower than an auto loan interest rate over the same term. Like interest on an auto loan, the lower the money factor, the lower your monthly auto lease payments will be. You can also ask the finance manager or sales manager at the dealership what the money factor, or lease rate, is for the car you’re interested in leasing.