Re: $5K Gift from Saab (GM) - Saab 9-5 Bulletin Board - Saabnet.com
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Re: $5K Gift from Saab (GM)
Posted by KP [Email] (more from KP) on Wed, 22 Aug 2001 20:01:20
In Reply to: Re: Aero Wagon Money Factors & Residuals, KeithCT, Wed, 22 Aug 2001 16:56:37
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Partially true. The $5K does not affect the Residual which is strictly a % of MSRP. It is not a loan but a "gift" that reduces your initial Capital Cost by $5K after you have negotiated your best price with the dealer (expect invoice +-). Your monthly lease payment consists of Depreciation (difference between Capital Cost and Residual value) and Interest charges. Since the $5K gift reduces your Capital Cost, your monthly Depreciation is reduced (or subsidised) by $5000/36 or close to $140 per month! The $5K is also not taxable, another plus! Finally, the money factors are so low (for the base 9-5 sedan, effective annual interest is less than 1%) that the only question you should be asking is this: "What am I waiting for?"
posted by 152.163.1...
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