FAQ | AUTO LEASING | BEST CAR LEASE DEALS | LEASE SPECIALS

FAQ | AUTO LEASING | BEST CAR LEASE DEALS | LEASE SPECIALS


Lease Dictionary
Lessee - person who has leased the vehicle
Lessor - party who is leasing the vehicle to you. Bank or financial institute of auto manufacturer.
MSRP - Manufacturer's Suggested Retail Price. Dealers will try to base their leases on MSRP or above. We base on invoice or even less.
Term of Lease - length of the lease agreement. Typically from 24 to 48 months. 
Allowable Mileage - number of miles you are allowed to drive per year. Typically from 5.000 to 15.000 miles per year. Monthly payments depends on mileage.
Money due at signing - amount of money you have to pay to begin the lease. Typically includes 1st month payment, title, registration, tag and all fees. If you want to reduce the amount of monthly payment you will need to put down payment.
Residual Value - lessor prediction of what the car will be worth at the end of lease. The higher the residual, the lower your lease payment.
Depreciation - difference between the new car cost and the value of the car at the end of the lease.
Money Factor - interest rate of lease. To convert a money factor to an interest rate, multiply by 2400.
Sales Tax - may varies from state to state and county to county.Tax can be applied to the monthly payment or you may require by state to pay tax on the entire vehicle price.
Security Deposit - multiply security deposits can be made to reduce the interest rate and monthly payments.
Acquisition Fee - also called "bank fee". Charge for the work your lender has to put into setting up your lease agreement.
Disposition Fee - charged at the end of the lease when you return the vehicle.
Payoff Amount - amount of money you have to pay to own the vehicle. 
Why your prices are so low?
Our leasing experience in addition to our high volumes through our dealer network enable us to offer much lower prices than at dealership.
Are all your cars new?
Yes, all our cars are brand new.
How to get a car lease WITHOUT SSN?

It is true that even without a Social Security number, a car can be leased! The car will not be cheaply leased without a downpayment, so be aware of that. Having the SSN in hand and systematically building up a credit history are prerequisites for this option.

For more information Follow this link

Do all of your cars come with a manufacturer`s warranty?
Yes, all of our cars come with the full manufacturer bumper to bumper warranty & all other benefits.
Leasing or Financing?
Leasing
The benefits of leasing vs. purchasing
• Monthly Payments are usually reduced
• The need for a cash down payment is reduced
• Upgrading to a more expensive model is easier
• It’s easier to benefit from the latest technology
• Lease-end purchase option

Financing (Purchasing)
Some potential advantages to financing (purchasing) the vehicle:
• Vehicle ownership upon final payment
• No mileage limitation
• No limitations to vehicle modifications. Though, some modifications may void the warranty.
What a downpayment is?

Let's clarify what a downpayment is - is it the amount paid to recoup the lease body and not the inception fees? What are these inception fees and how much do they cost?

Fees vary depending on the bank, state, county, dealership, and their policies, but a +/- understanding can be made. Below are the standard fees for a new car.

  1. $450 / 350 for DMV car registration and new / old license plate transfers, title work.
  2. $899 - acquisition fee - one-time bank commission (usually hidden in a lease and spread over the course of the lease)
  3. $799 - dealer fee . A one-time commission of the dealership (usually covered by a discount on a car)
  4. First monthly lease payment. Payment in advance, like renting an apartment
  5. Down payment . It is only that portion of the first payment that exceeds the inception fee (the sum of all fees and the first monthly payment). We can calculate this amount for a car with a monthly payment of $500 as follows

Those inception fees are $450 (DMV) + $899 (acquisition fee) + $799 (dealer fee) + $535 ($500 + 7% Miami-Dade county tax) = $2,683. Therefore, anything above $2,683 is considered a downpayment

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Sign&Drive or $0 Down?
$0 Down - you pay only inceptions: 1st month payment, tag, title, registration, bank and other fees.
Sign&Drive - no money out of the pocket due at signing. Your monthly payment already include 1st month payment, tag, title, registration, bank and other fees.
What bank will I be leasing with?
All of our leases are financed directly thru the manufacturers own finance division.
Can I buy the car at lease end?
All of our leases have a set buy back option if you would like to purchase it.
Do I need to keep track of my miles? Will I be forgiven for overspending?

Overspending is not forgiven in 99% of cases. It is also possible for the dealer to deceive the customer and hide this amount in the lease, just missing the discount for the same amount. Clients who lack inside information may not be aware of these tricks. Further, the dealer specializes precisely in providing a service and selling a car as expensively as possible, while at the same time leaving a smile on the face of the customer. Every day, they work with hundreds of clients who are looking to save money and know exactly what, where, how, and at what moment to present the client for maximum benefit.

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If you have already chosen the car and the leasing process has begun, is it worthwhile to purchase additional insurances?

The answer is yes. However, only if the price offered is fair in comparison to the comfort and time savings they will offer. The dealership will try to charge as much as possible for these services. They do not always have the best price in mind. Each proposal needs to be analyzed.

To read about other types of insurance Click here

Как получить авто в лизинг БЕЗ SSN?

Да, все верно, даже без SSN, можно получить лизинг на авто! Нужно только учитывать что это не будет дешевый лизинг на дешевые авто без даунпеймента. Такая опция доступна только после получения SSN и правильной ЗАБЛАГОВРЕМЕННОЙ подготовки к данному моменту и планомерному построению кредитной истории.

Для более детальной информации Перейдите по этой ссылке

Стоит ли брать авто в Кредит без SSN?

- Частый вопрос: Есть ли смысл покупать машину по финансированию до получения соушела и платить завышенные проценты или лучше подождать и оформить уже с SSN?

Отвечаем:

- Если нет поручителя, то тогда конечно есть смысл брать кредит или лизинг.

При наличии одного SSN, процентная ставка не меняется, будет от 9-18% . Для низкой ставки нужен либо мощный поручитель, либо кредитная история.

Мало того в %95 кейсов SSN выдают через действительно долгий срок, куда дольше чем заявляют. За это время на аренду больше уйдет денег чем на процентную ставку. Лучше эти деньги платить за свою машину хоть и под большой процент, но при этом строить кредитную историю. Через год можно подать на рефинансирование под маленькие проценты. Но иметь сильную историю и вторую машину в семью уже брать по приятным выгодным условиям

В этом канале ссылка много информации по поводу первого лиза или кредита. Если будут вопросы, напишите прямо там. Наш отдел продаж всегда поможет советом

Если уже определились с машиной и процесс оформления запущен, то стоит ли покупать дополнительные страховки?

Да, стоит. Но только если предлагаемая стоимость релевантна комфорту и экономии во времени получаемые благодаря их приобретению. В автосалоне будут пытаться продать данный сервис как можно дороже. И не всегда захотят продавать по хорошей цене. Нужно анализировать каждое предложение.

Чтобы прочитать о других видах страховки и прочем Перейдите по этой ссылке

Как купить свой первый автомобиль в Америке ?

Предлагаем вам ознакомиться с нашим блогом, где вы сможете узнать подробнее обо всех тонкостях покупки своего первого автомобиля в лизинг или кредит в США по этой ссылке

Есть ли смысл покупать машину в кредит до получения соушел секьюрити номера (SSN) и платить завышенные проценты или лучше подождать несколько месяцев и оформить уже с SSN?

Отвечаем:
- Однозначно есть смысл брать кредит или лизинг даже без наличия соушел секьюрити номера (SSN)!
Исключение:
1. Вы не платите ежемесячно за аренду авто/такси пока ждете получение SSN и строите несколько лет кредитную историю без автокредита.
2. У Вас есть поручителя, который оформит лизинг вместе с Вами на двоих, после получения Вами SSN. И Вы не платите ежемесячно за аренду авто/такси пока ждете получение SSN.

Дело в том, то при наличии только одного SSN, процентная ставка не изменится. Он будет такая же как и без SSN, от %9 до %18 APR. Для низкой ставки %3-5 годовых нужен не только SSN но и... ЧИТАТЬ ДЕТАЛЬНЕЕ



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