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  3. Planning to lease a car because you don’t think you can afford to buy? Think

Planning to lease a car because you don’t think you can afford to buy? Think

游客2023-12-22  64
问题     Planning to lease a car because you don’t think you can afford to buy? Think again. Leasing can end up being just as expensive as buying—and you don’t even get to keep the car. Most people who are thinking about leasing are attracted to this option because they believe it will cost them less money. And they’re right—it is cheaper, but only in the short term. For example, if you were to lease a brand-new Subaru Forester with $4,000 down, you might pay $300 per month for the car. If you were to buy the same car with $3,000 down, you would pay closer to $400 per month. Over a three-year lease, that’s $3,600—a big savings. But after your lease is over, you have to give the car back. If you want to keep driving, you’ll either have to put another down-payment on another lease, or, if you have the option to buy the car, you’ll have to pay thousands of dollars to purchase the vehicle—dollars that won’t be spread out in more manageable monthly payments.
    Many people want to lease because they can drive a more up-market car than they might otherwise be able to afford. For example, if your monthly budget allowed you to spend $300 on a car, you might be able to lease a brand new Ford Explorer. For the same price, you might have to buy an Explorer that was two or three years old with 50,000 miles, or buy a new but considerably less expensive make and model. A lease, therefore, allows you to drive the latest models of more expensive cars. But when your lease is over, you will have to return that Explorer. Whatever car you can afford to buy, you get to keep it, and it will always have a resell or trade-in value if you want to later upgrade to a newer car.
    Furthermore, people who lease cars are often shocked and appalled by how much they must pay when the lease is over. Most leases limit you to a certain number of miles, and if you go over that allotment, you must pay for each mile. As a result, at the end of a lease, you may end up paying thousands of dollars in mileage fees. For example, if your lease covers you for 25,000 miles over three years, but you drive 40,000, that’s an extra 15,000 miles. At $11 per mile, that’s $1,650 you’ll have to pay. And you still won’t have a car.
    In addition, when you lease, you still have to pay for regular maintenance and repairs to the vehicle. Since you must return the car when your lease expires, you are paying to repair someone else’s car. If you own the car, however, you would know that every dollar you spend maintaining or repairing the car is an investment in a real piece of property—your property, not someone else’s.
    By now, the benefits of buying over leasing should be clear. But if you’re still not convinced, remember this fundamental fact: If you lease, when your lease is up, and after you’ve made all of your monthly payments, paid for extra mileage, and paid for repairs, you must give the car back. It isn’t yours to keep, no matter how much the lease cost you. Whatever make or model you can afford to buy, it is yours to keep after you make the payments. There’s no giving it back, and that makes all the difference. [br] According to the passage, which of the following statements is true?
选项 A、People believe leasing will cost them less money.
B、Most Americans lease rather than buy cars.
C、Most car leases allow for unlimited mileage.
D、Leasing a car is never as expensive as buying.
答案 A
解析
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