I-Calculator ye-Car Lease
Ubalo lwemali yonyaka yokufumana imoto ethe yathengwa ukusuka kwixabiso, ixabiso elihlala likhona kunye nexabiso
Iinketho ze projekti
Malunga nale Calculator
A car lease payment has two parts: depreciation, the value the car loses over the lease, and a finance charge on the money tied up while you drive it. This car lease calculator combines both from the negotiated price, the residual value at lease end, your down payment and the interest rate — which it converts into a money factor — then adds sales tax to reach the monthly figure.
Depreciation is (capitalised cost − residual) ÷ months, and the finance charge is (capitalised cost + residual) × money factor, where the money factor is APR ÷ 2,400. Take a 35,000 car with a 60% residual (21,000), 2,000 down and a 6% rate over 36 months: depreciation is about 333 a month, the finance charge about 135, giving roughly 468 before tax. You only pay for the 12,000 of value the car loses, not its full price.
Use it to check a dealer’s lease quote, to see how the residual and money factor drive the payment, or to compare leasing with buying. A car that holds its value has a high residual, depreciates less and is cheaper to lease — often the single biggest lever on the monthly cost.
Imibuzo ebuza rhoqo
Yintoni isizathu semali?
Umlinganiselo wemali yimali elinganayo nexabiso lenzuzo. Guqula ibe yi-APR ngokulinganisa nge-2,400 (oko kukuthi, 0.0025 umlinganiselo wemali ≈ 6% APR). Eli sixhobo siyenza into ejikelezayo, sihlula i-APR yakho nge-2,400.
Kutheni ixabiso eliseleyo libalulekile?
Uhlawula kuphela ukulahleka kwexabiso - ixabiso eliphantsi kwexabiso elihlala likhona. Imoto egcina ixabiso layo (ixabiso elihlala liphezulu) ilahleka ngaphantsi, ngoko ke kubiza ngaphantsi ukulithenga ityala nakuba libiza ngaphezu kwexabiso elihlala likhona.
Ndiyiguqula njani i-money factor ibe yi-PRP?
Ukuphindaphinda isizathu semali nge-2,400. Isizathu semali se-0.0025 simalunga ne-6% ye-APR, kwaye isizathu se-0.00125 simalunga ne-3%. Le kalkulatha yerenti iyenza ngokuthe ngqo—ihlula i-APR oyisebenzisayo nge-2,400—ukuba ungacinga ngezinto eziqhelekileyo zexabiso lenzuzo.
Ngaba kufuneka ndibeke imali phantsi kwisivumelwano sokuba ndiyiqeshe?
Uhlawula kuqala ngaphezu kwexabiso eliphantsi (elibizwa ngokuba kukuncipha kwexabiso eliphantsi) kunyusa uhlawulwe kwerenti yenyanga, kodwa ukuba imoto ilahlekile okanye ithengiswe kuqala, le mali ayibuyiselwa. Abaqhubi abaninzi bagcina uhlawulwe kuqala ngaphantsi kwaye bavuma uhlawulwe phezulu ngenxa yoko.
Yintoni eyenzakalayo xa kugqitywa ixesha lokusetyenziswa kwemoto?
Uhlala ubuyisela imoto, uhlawule kuphela ukulahleka kwayo, kwaye ungaba netyala lemali ngenxa yokuhamba ngemoto okungaphezulu okanye ukugqobhoza. Ngokuchaseneyo, ungathenga imoto ngexabiso eliseleyo elimiselwe yi-lease, elimalunga ne-60% yexabiso elisetyenziswa kule nkqubo yobalo.
Kutheni le nto iindleko zam zokuhlala ziphantsi kuneendleko zam zokufumana imali kwimoto efanayo?
Kuba isivumelwano sokuba ngumqeshi sixhasa kuphela ukunyuka kwexabiso - ixabiso eliphantsi kwexabiso elihlala likhona - ngelixa isivumelwano sokuba ngumqeshi sixhasa ixabiso lonke. Awunakwakha ixabiso elilinganayo lokuhlala nomqeshi, eliyinto etshintshela kwimali ephantsi ehlawulwayo ngenyanga.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
GET https://calculator.free/api/v1/lease/curl
curl "https://calculator.free/api/v1/lease/?price=35000&residual=60&down=2000&rate=6&months=36"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/lease/?" + new URLSearchParams({
"price": "35000",
"residual": "60",
"down": "2000",
"rate": "6",
"months": "36"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.