I-Calculator ye-Car Lease
Linganisa imali-mboleko yemoto ngayinye ngenyanga kusuka kuntengo, inzuzo ekhona kanye nengxenye yemali.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Yini i-factor yemali?
Ingxenye yemali yi-lease elinganayo yesilinganiso senzuzo. Gcwalisa ibe yi-APR ngokuphindaphinda ngo-2,400 (okusho ukuthi i-0.0025 ingxenye yemali ≈ 6% APR). Lezi zinto zenza okufanayo, zihlukanise i-APR yakho ngo-2,400.
Kungani izindleko ezishisayo zibalulekile kakhulu?
Ukhokha kuphela ukulahleka kwentengo — intengo encane kunesikhala. Imoto egcina ixabiso layo (isikhala esiphezulu) ilahleka kancane, ngakho-ke kubiza kakhulu ukulibiza ngisho uma kubiza okufanayo ngaphambili.
Ngiyiguqula kanjani i-money factor ibe yi-APR?
Ukuphindaphinda i-factor yemali ngo-2,400. I-0.0025 i-factor yemali ilingana ne-6% APR, futhi i-0.00125 ilingana ne-3%. Le calculator ye-lease isebenza ngokushintshashintsha — ihlukanisa i-APRR oyingenise ngo-2,400 — ngakho ungacabanga ngemigomo ejwayelekile ye-interest-rate.
Ngizobeka imali ephansi esiteshini?
Ukwengeza imali encane (ibizwa ngokuthi ukuncipha kwezindleko ezikhokhelwa ngemali encane) kuphansi izindleko zonyaka, kodwa uma imoto itholwe noma ikhokhwe kuqala, imali ayibuyiselwa. Abashayeli abaningi bagcina imali encane futhi bavumela imali encane kakhulu ngenxa yalokho.
Yini ekwenzeka lapho kuphelelwa khona isivumelwano sokuba nemoto?
Uzobuyisela imoto, ukhokhe kuphela ukulahleka kwayo, futhi ungakhokhi imali yokudlula noma ukugqoka. Ngokuya ngesimo, ungathenga imoto ngentengo encane ye-lease ethathwe, eyisibalo se-60% esisetshenziswa yi-calculator kule sibonelo.
Kungani imali yami yokulethwa iphansi kunaleyo yokulethwa kwemoto efanayo?
Ngenxa yalokho, isivumelwano sokuhlala sikhokhela kuphela ukulahleka kwenzuzo - intengo encane kunesilele - ngenkathi isivumelwano sokuhlala sikhokhela intengo ephelele. Awunakho ukuthuthukisa isikhundla sokuba ngumnikazi ngesivumelwano sokuhlala, okungukuthi, isivumelwano sokuhlala sikhokhela imali ephansi yonyaka.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.