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ghdhair100 · Wysłany: Pią 8:56, 18 Mar 2011 Temat postu: Auto Leasing Scams-498

Auto Leasing Scams
Car-leasing has been lauded as a more attractive alternative to buying,
offering in the process the flexibility to drive a new car for less. The
reality,[link widoczny dla zalogowanych], however, is that leasing is an option that is fraught with many
pitfalls for the average customer. Leasing regulation does not require as
much disclosure as buying a vehicle. This has given rise to many leasing
scams that trick the customer into believing they are into a good deal
when, in effect, all he is getting is a rough deal on the dealer抯 terms.
Here we look at some of these common scams and how to avoid them
Artificially low interest rates:
Some dealers quote a lower interest rate when in reality it抯 much
higher. They do this by either purposefully quoting the money factor as
the interest rate or calculating the loan without amortizing some closing
fees, like the security deposit, into the loan lease. Take the money
factor for example: this is typically expressed as a four decimal digit,
something like 0.004. Some dealers quote this as a 4% interest rate when
in fact you need to multiply it by 24 to get a rough idea of the interest
rate on your loan. In this example,[link widoczny dla zalogowanych], the interest rate is a much higher 9.6%
than the 搎uoted� rate of 4%.
Make sure you crunch the numbers and understand the formula they use to
calculate their interest rate. Look out for any fees not factored into the
calculation. If you are not satisfied, do not enter into the lease
agreement.
Terminate your lease early for a low penalty
This is an all-time leasing scam. You ask your dealer how much you will pay
if you want to terminate your lease and he tells you: 揧ou want to get out
early? Sure thing,[link widoczny dla zalogowanych], you only pay an early termination fee of $300�. What he
is quoting is only the small administrative penalty of early termination,
there is a much stiffer penalty called early termination fee and this runs
into thousands of dollars.
Do not confuse the early termination administrative penalty with the
termination fee. Read the small print carefully and know exactly how much
you will get charged should you terminate your lease before its scheduled
end.
Pay for an extended warranty you don抰 need
This is another shell game to inflate the dealer抯 profit at your expense.
The dealer slides an extended-warranty into the deal whilst it抯 already
factored into the monthly payments, or he tricks you into buying a 36-month
warranty on a 24-month lease.
You do not have to pay extra money for a warranty already built into your
payments or for one that goes well beyond your lease term.
They might slip an extended warranty in. Don抰 be fooled, the warranty is
already factored in.
No security deposit
Any dealer who advertises a $0 security deposit is not telling you the
whole story. A security deposit is always factored in the lease under the
provision for disposition fees.
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