加拿大車主討論區 （14）

外觀都樣衰啦
唔明點解咁多香港人話靚

同價位比較，大家交流下

定你可以用Mazda 價錢買到Lexus?

我會話係簡潔
唔會形容佢內籠係叫做有囉
你有嘅意思係咪有mon有dashboard就叫有先

想問下架車如果user manual話入87
咁入89 / 91 架車會唔會耐用啲？

真
RAV4, CRV仲靚啦

點解覺得安全差

係咪雙田先
係雙田係咪都耐用
驚閪

所有suv一樣咁7 唔洗爭

公道

真最好揸都係Toyota

But down payment is non-refund?
For instance, I paid $10000 for 2years.
After 2 years, I only have two options:
1. Buy the car and pay the remaining amount
2. Keep leasing it.

The dealer said they don’t offer 0 down payment for new comers. So I just wondering what’s the benefit when I can enjoy 0 down payment?

You DO NOT save any money by putting down payment. own payment ONLY lower your monthly/biweekly payment because you PAID upfront.

Lets say:
Total Amount to lease = $30000. (Tax + Interest + Fees included, OOTD)
if you pay by 100 terms, you pay $300 each time.
If you put $10000 down payment, you pay $200 each time.

Its only purpose is to give you better cash flow with the risk of losing the down payment. I personally leased a car with 0 down payment, I can't tell should you be offered with 0 down payment option since the financing institution consider a number of factors, income, credit history etc.

new comer真係好難做0down
無credit record俾佢check到
0down好處係你cash flow鬆動d 不過每月payment多
俾downpay就係upfront cost高 但每月俾少d
thats all

The huge risk of down payment is you will LOSE IT if you have the car totaled.
The insurance company will take care of the lost value of the car for the financing institution, but your lease will be ended immediately and down payment will not be refunded.
It is usually NOT WORTH IT to put down payment, unless cashflow is critical for you, and I doubt it.

Interest Rate高，係咪比多啲DP好啲？

Someone already mentioned above, DP is AFTER interest calculation.
So the answer is no.

I see. Thank you so much!
That’s all about your cash flow and the way to pay…
Pay more DP, pay less per month.

真
巴打識D野

有齊眼耳口鼻就係靚女

之前見到3萬有二手 20年 macan

咁點先叫有內籠想學野

BMW得ix CLS成球X1 X3又冇電

零作用，可能會有反效果添

錢多咩
一年或者半年餵支techron清下積碳咪算