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To Lease(租赁)or Not to Lease
Planning to lease a car because you don't think you can afford to buy?Think again.Leasing canend up being just as expensive as buying.
Most people think about leasing because they believe it will cost them less money.They'reright-it is cheaper,but only in the short term.For example,if you were to lease anewSubaruForester,you might pay$300 per month for the car.If you were to buy the same car,you wouldpay about$400 per month.Over a three-year,you would save$3600-a big savings.But after your lease is over,you have to give the car back.
Many people want to lease because they can drive a more expensive car than they mightotherwise be able to afford.For example,if you spend$300 monthly on a car,you might be ableto lease a new Ford Explorer.For the same price,you might have to buy a used Explorer,or buy anew but much less expensive model.A lease,therefore,allows you to drive the latest models of more expensive cars.However,whatever car you can afford to buy you get to keep it,andit will always have a resell or trade-in(以新旧换)value if you want to upgrade to a new car later.
Furthermore,people who lease cars are often shocked by how much they must pay when thelease is over.Most leases limit you to a certain number of miles.If you go over that,you must pay for each mile.As a result,you may end up paying thousands of dollars in mileage(里程)fees.In addition,when you lease,you have to pay for regular maintenance and repairs to the vehicle.Since you must return the car finally,you are paying to repair someone else's car.
By now,the benefits of buying over leasing should be clear.Remember:whatever model you canafford to buy,it is yours after you make the payments.There's no giving back,and that makes all the difference.
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