Аренда или кредит: как избежать долговой ямы при покупке нового автомобиля

Опытный дилер объясняет, что наличие отрицательного капитала при смене авто значительно увеличивает ежемесячный платеж и усложняет финансовое положение покупателя. В качестве альтернативы полной покупке он рекомендует рассмотреть лизинг, который позволяет избежать ситуации, когда долг превышает стоимость транспортного средства.

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Car Leasing vs. Financing: Which Is the Best Way to Buy a New Car? A longtime car salesperson explains why avoiding negative equity may matter more than owning outright. In the 20 years I’ve been selling cars (yikes), I’ve found there are two things that kill more car deals than anything else. Bad credit and negative equity. I think everybody understands bad credit, but what exactly is negative equity? Negative equity is when you owe more for a car than it’s worth. Let’s say you owe $17,000 on the car you’re driving, but if you had to sell it today, the most you could get for it is $10,000. That means you have $7,000 worth of negative equity. In car sales, we call that “being underwater” or “upside down.” Here’s the problem. If you trade that car in, your negative equity gets added to the price of the new car. So, if you’re buying a $30,000 car, you’ll need to add $7,000 to the price, making it a $37,000 car before taxes and fees. Imagine taking a saw and cutting off a third of your old car, then hooking it up to the tow hitch of your new one and dragging it around behind you for the next five years. Crazy, huh? But that’s what a lot of buyers do. Nearly three out of every 10 cars on the road are estimated to be upside down. How does that hurt you? Let’s say you’re financing a new car. The average car payment in the U.S. right now is around $770. If you throw $7,000 of excess debt into the mix, it adds roughly $135 to your monthly payment. That $770 payment just became $905. Ouch. Escaping the Negative Equity Trap To counter negative equity when buying a new car, you can of course put down enough money to cover what you owe at the time of purchase—that is, if you have it. You could also try to sell your car on your own to see if you could get enough to pay it off before you buy something new. Or you can buy a car in a way that completely eliminates negative equity in the first place. Is there such a way? Yes. You can pay for it in cash. That’s the best way to avoid negative equity. But here’s the catch. The average cost of a new car these days is around $50,000. Do you have fifty grand in your piggy bank? I don’t. That leaves the second-best way to buy a new car, which is leasing. Now, the minute you say “lease,” most people throw up their hands and shake their heads and say, “No, no, I like to own my vehicle.” Here’s the truth. If you finance, you don’t really own your vehicle, either, until you pay it off. You may feel like you do, but you don’t. If you don’t believe me, try this little experiment. Don’t make three or four payments in a row and see how long that car of yours stays in your driveway.