【正文】 可能會有哪些折扣 8 Prentice Hall Inc. Step 3: 步驟三 Making the Purchase (cont’d) 完成購買(續(xù) ) Evaluate financing alternatives:評估財務選擇性 ? Determine the length of ? Shop around to find the best interest ? Choose a financing period and rate to give you an affordable monthly Consider a lease:考慮租賃 ? Negotiate a fair vehicle value and a low rent or finance 定合理的汽車價值及 租金與借款條件 ? Choose a vehicle with slow 9 Prentice Hall Inc. Step 4: The LeaseVersusBuy Decision租賃或購買的決策 Closedend leases, or walkaway leases:封閉式租賃 ? Normally offer a purchase option通常提供一個優(yōu)先購買權 ? Require the dealer to be responsible for resale要求經(jīng)銷商負責再將車子賣出 ? Account for about 80% of all leases有 80%的車屬於封閉式租賃 Openend leases:開放式租賃 ? Compare the market value to the lease’s residual value of the vehicle租約到期時，車子的剩餘價值與市價去比較其差額 ? Are to be avoided because you pay the difference避免選擇它，因為你可能要付這一筆差額 10 Prentice Hall Inc. When is Leasing a Good Option?何時選用租賃的時候？ If you are financially stable你的財務狀況是穩(wěn)定的 If you drive less than 15,000 miles annually你的行車里程數(shù)不超過 15,000公里 If you take good care of your vehicles你相當會照顧你的車子 If you use your vehicles for business travel你使用車子做商務旅遊 If you do not modify your vehicles你不改裝你的車子 If the vehicle you are considering doesn’t depreciate too quickly如果你所考慮使用的車種折舊損耗不是很迅速 11 Prentice Hall Inc. Calculating Your Monthly Lease Payment計算你租賃的月付額 Your lease payment depends on the following factors:你的租賃月付額須視下列因素而定 ? Agreedupon price 相互認定的汽車價值 ? Upfront fees其他的外加費用 ? Down payment or trade allowance自備款或其他 ? Residual value租約期滿的汽車價值 ? Rent or finance charge租金或財務費用 ? Length of the lease租約期間的長短 12 Prentice Hall Inc. Step 5:步驟五 Maintaining Your Purchase購車的維護 Read the owner’s manual and perform regular 者手冊，並保持正常維修 Don’t ignore warning Choose a good garage。 下午 7時 44分 11秒 下午 7時 44分 19:44: 沒有失敗，只有暫時停止成功！。 2023年 1月 23日星期一 下午 7時 44分 11秒 19:44: 1最具挑戰(zhàn)性的挑戰(zhàn)莫過于提升自我。 2023年 1月 23日星期一 7時 44分 11秒 19:44:1123 January 2023 1空山新雨后，天氣晚來秋。 , January 23, 2023 雨中黃葉樹，燈下白頭人。 2023年 1月 23日星期一 下午 7時 44分 11秒 19:44: 1比不了得就不比，得不到的就不要。 19:44:1119:44:1119:44Monday, January 23, 2023 1知人者智，自知者明。 19:44:1119:44:1119:441/23/2023 7:44:11 PM 1越是沒有本領的就越加自命不凡。 19:44:1119:44:1119:44Monday, January 23, 2023 1乍見翻疑夢，相悲各問年。 :44:1119:44Jan2323Jan23 1故人江海別，幾度隔山川。 , January 23, 2023 閱讀一切好書如同和過去最杰出的人談話。勝人者有力，自勝者強。 2023年 1月 下午 7時 44分 :44January 23, 2023 1行動出成果，工作出財富。每月支付維修費用 Advantages:優(yōu)點 ? Low maintenance維修費用低 ? More amenities更多的福利設施 ? Higher security較高的安全性 Disadvantages:缺點 ? Lower capital appreciation 較 低的增值利益 ? Difficult to sell較不易出售 ? Less privacy較低的隱私性 19 Prentice Hall Inc. Housing Options: 房屋的選擇 Planned Unit Developments (PUDs) 單位計劃開發(fā) Own home and land it sits on as well as shared ownership of the development 擁有土地與房屋但須與你的鄰居共同分擔開發(fā)費用 Monthly homeowner’s fee for maintenance and mon expenses每月分擔共同擁有費以負擔管理及維修 Most popular on West Coast在西岸為最受歡迎的方式 20 Prentice Hall Inc. Housing Options: 房屋的選擇 Apartments and Other Housing公寓和其他的住宅 Advantages:優(yōu)點 ? Lower cost成本較低 ? Ease of moving (no house to sell)容易搬遷 (不須出售房屋 ) ? Little upkeep些微的保養(yǎng)維護 Disadvantages:缺點 ? Limited remodeling ability重新改造權利受限制 ? Limited lifestyle choices (., pet)生活型態(tài)較受限制，例如 :養(yǎng)寵物 ? Less privacy隱私較少 [ 21 Prentice Hall Inc. Addressing Your Housing Needs 處理你的房屋需求 Housing Step 1: Homework步驟一：家庭作業(yè) Housing Step 2: Selection步驟二：選擇 Housing Step 3: Making the purchase步驟三：購買 Housing Step 4: Postpurchase activities步驟四：購買後的行動 22 Prentice Hall Inc. Housing Step 1:購買房屋的第一步驟 Homework家庭作業(yè) Compare your needs versus wants for 較你對房屋的需要與想要 Compare your options for housing and the costs of Weigh your alternatives of renting versus buying.衡量租屋或購屋對你的影響 23 Prentice Hall Inc. Housing Step 1: 購買房屋的第一步驟 Homework (cont’d)家庭作業(yè) (續(xù) ) Determine what’s most affordable:計算何者是你所負擔得起 ? Lending standa