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在美國買 1A, 2B 該作的功課

lease 有些有含gap insurance 有些沒有要另外買 還有買車時可以check 7 days pay off option, 萬一interest 太高7天內你可以找別家貸款把他付清( dealer 很會bs) Dealer 只要有貸款就有銀行回扣,interest rate 覺對可以談,尤其是你如果credit好,我有朋友買range rover 3.99 interest rate 還覺得自己殺價成功 50000元3.99 跟1.49 (credit union都是至少這個rate)5年就差3,4千dealer 可以賺差價。 另外你可以要求用別家銀行, 例如toyota dealer 不一定要用Toyota financial 可以去一些銀行看他們跟哪些dealer有和作 我車子totaled 過保險部分有空在聊
我也不是專家,只是分享我的經驗

artesa wrote:
我再看了一次Roge...(恕刪)


It's ok artesa XD

在這邊學到一寫眉角真好
小弟我去年把開了12年的 Altima 開到 Smog check 過不了只好脫手賣給認識的車廠讓他們去回收
然後跑去同事介紹的VW lease 了一台 GLI. 因為是第一次所以經驗值太低 希望下次換車的時候可以用上在這裡學到的去談個好 deal

感謝分享
推文的Lease經驗也很受用
那如果是finance呢?怎樣才是最划算?
我寫的是finance 價錢談定當然利率越低越好,extend warranty 跟extend service 可以一起finance 不過我上一台車dealer願易再減車價換高一點的利率 ( 3年total一樣) Leasing 我覺得再0 down 的情況下每個月便宜就是便宜, 將來要買下來價錢可以用2手車價再殺, 不要傻傻的用lease end 的價錢買

wasileo wrote:
Hi Roger~ ...(恕刪)


Sorry for the late reply. If you put down payment, in the event of total lost, the down payment is gone. While you still get your Multiple Security Deposit back if the car is total lost in an accident.

artesa wrote:
我再看了一次Roge...(恕刪)


Disposition is wavied if you continue to lease another vehicle from teh same manufacture.

Wear and tear, over mileage, and etc in some cases can be waived, depend on inspector - if the inspector is from the same dealer where you will lease your next vehicle then you have better chance to have most of them waived.

Also, for your Mini, if it is paid off then of course you can trade it and then use the amount for the MSD.

But remember, maximum allowable multiple security deposit for BMW is 7 and each MSD is rounded to the nearest 50. For example, if you final monthly lease payment comes to 467 then 1 MSD will be 500.
One more question.

是不是在一些時間點比較容易跟Sales 殺到最接近 Invoice 甚至 below invoice 的 deal
for example: month end, quarter end, year end or holiday like labor day, independence day, ect....?
wasileo wrote:
One more question.

是不是在一些時間點比較容易跟Sales 殺到最接近 Invoice 甚至 below invoice 的 deal
for example: month end, quarter end, year end or holiday like labor day, independence day, ect....?...(恕刪)


Yes.

wasileo wrote:
One more q...(恕刪)


Yes. Again, using BMW as example - there are two scheduled model change/model year change deadline - april and september. These two schedules are for: new model roll out, new model year roll out, and LCI(life cycle impulse) roll out. Faily good amount of incentive(for vehicles with current model year) will start in the beginning of faburary or august. But usually one can't no longer order the vehicle but rather schoose from the lot or your dealer can exchange available models from other dealer.
Finally, holidy credit and/or option credit and/or trunk money(dealer determined) usually comes in somewhere during november.
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