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안녕하세요.
이번에 회사 내부 이동으로 미시간으로 가게 되었습니다. Transfer 하는 직원의 정착 지원 프로그램 중 하나가 차량 구입에 대한 것인데요. Enterprise Fleet Management 라는 회사를 통해서 도움을 받고 있습니다. 오늘 견적을 하나 받았는데 2015 Honda Odyssey EX-L (A6) Passenger Van을 48개월 동안 리스 하는 내용입니다. 회사의 지원 프로그램의 일부인 관계로 일방적으로 눈탱이를 맞지는 않겠지라는 막연한 믿음만 있긴 합니다만 실제로 얼마나 유리한 혹은 불리한 조건인지 대략적인 이해라도 해야할 것 같아서 질문을 올립니다.
참고로 저는 미국에 거주한 경험이 전혀 없어서 크레딧이나 이런 부분도 현재 없는 상태이므로 이 점도 같이 고려해야 할 것 같긴 합니다.
많은 조언 부탁드립니다.
감사합니다.[Open-End (Equity) Lease Rate Quote]
$ 34,085.41 Capitalized Price of Vehicle^1
$ 0.00 * Sales Tax 0.0000%State MI
$ 103.00 * Initial License Fee
$ 0.00 Registration Fee Order Information
$ 995.00 * Other:Application Processing Fee Driver Name
$ 5,000.00 * Capitalized Price Reduction Exterior Color
$ 300.00 * Tax on Capitalized Price Reduction Interior Color
$ 0.00 Gain Applied From Prior Unit Lic. Plate Type Unknown
$ 0.00 * Tax on Gain On Prior GVWR 0
$ 0.00 * Security Deposit
$ 0.00 Extended Service Contract
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$ 29,085.41 Total Capitalized Amount (Delivered Price)
$ 605.94 Depreciation Reserve @ 2.0833%
$ 117.26 Monthly Lease Charge (Based on Interest Rate – Subject to a Floor)^2
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$ 723.20 Total Monthly Rental Excluding Additional ServicesAdditional Fleet Management
Master Policy Enrollment Fees$ 0.00 Commercial Automobile Liability Enrollment
Liability Limit $0.00
$ 0.00 Physical Damage Management; Comp/Coll Deductible 0 / 0
$ 49.58 Full Maintenance Program^3
Contract Miles 60,000
OverMileage Charge $ 0.0500 Per Mile
Incl: # Brake Sets (1 set = 1 Axle) 0 # Tires 0; Loaner Vehicle Not Included
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$ 49.58 Additional Services SubTotal$ 43.39 Use Tax 6.0000%; State MI
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$ 816.17 Total Monthly Rental Including Additional Services
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$ 0.29 Reduced Book Value at 48Months
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$ 400.00 Service Charge Due at Lease TerminationQuote based on estimated annual mileage of 15,000
(Current market and vehicle conditions may also affect value of vehicle)
(Quote is Subject to Customer’s Credit Approval)
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* INDICATES ITEMS TO BE BILLED ON DELIVERY.
^1
Capitalized Price of Vehicle May be Adjusted to Reflect Final Manufacturer’s Invoice. Lessee Hereby Assigns to Lessor any Manufacturer Rebates And/Or Manufacturer Incentives Intended for the Lessee, Which Rebates And/Or Incentives Have Been Used By Lessor to Reduce the Capitalized Price of the Vehicle.
^2
Monthly Lease Charge Will Be Adjusted to Reflect the Interest Rate on the Delivery Date (Subject to a Floor).
^3
The inclusion herein of references to maintenance fees/services are solely for the administrative convenience of Lessee. Notwithstanding the inclusion of such references in this [Invoice/Schedule/Quote], all such maintenance services are to be performed by Enterprise Fleet Management, Inc., and all such maintenance fees are payable by Lessee solely for the account of Enterprise Fleet Management, Inc., pursuant to that certain separate [Maintenance Agreement] entered into by and between Lessee and Enterprise Fleet Management, Inc.; provided that such maintenance fees are being billed by Enterprise FM Trust, and are payable at the direction of Enterprise FM Trust, solely as an authorized agent for collection on behalf of Enterprise Fleet Management, Inc.===============================================
VEHICLE INFORMATION:
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2015 Honda Odyssey EX-L (A6) Passenger Van – US
Pricing Summary:
INVOICE
Base Vehicle $ 32,705.41
Total Options $ 0.00
Destination Charge $ 880.00
Total Price $ 33,585.41MSRP
Base Vehicle $ 35,775.00
Total Options $ 0.00
Destination Charge $ 880.00
Total Price $ 36,655.00
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견적 메일에 포함된 리스 조건에 대한 추가 설명입니다. 이해 하시는데 도움이 될 것 같아 추가 합니다.
Below is a review of the Enterprise Fleet Management Expatriate Program. This program is designed to simplify the car process for Expatriates who are new to the United States.
>Competitive pricing: Our exclusive program allows you to secure a vehicle at competitive pricing without a previous US credit history.
>Easy: We handle every step of the process throughout the lifetime of your lease. This includes vehicle acquisition, finance approval, delivery, maintenance, license renewals, and the disposal of your vehicle at the end of your lease.
>Dedicated team: Your dedicated team will be available to assist you during your lease with regular communications, reminders, and any support you need all while helping you build US credit.
>Flexibility: Our Open-End Lease gives you the flexibility you need. If your job assignment changes or you need to end your lease early, you can do so without early termination fees.
>Full Maintenance: Our Full Maintenance program offers peace of mind, ensuring you have no unexpected expenses for all regularly scheduled maintenance or unforeseen repair needs.
>No over mileage charges.
>Options at end of term: At the end of your term, you can easily extend your lease and eventually own the vehicle. If you choose to return your vehicle, we will sell the vehicle and pay you any equity the car has earned during your lease. If you are interested in a new model, we can credit your earned equity to a new vehicle lease.This unique combination of flexibility and service combined with our exceptional customer service are what set Enterprise’s program apart from others in the US!
Key details on quotes attached (files attached): These 48-month open-ended leases are written to a $0 balance (This is the reduced book value at the end of the term). You are purchasing the vehicle but during your term it is considered as a lease with Enterprise. We will own the vehicle and hold the title until you have paid off the vehicle and then transfer the title and registration into your name.
2015 Honda Odyssey
Initial Charges: $6,398 + 1st month payment (includes down payment, sales tax, Application Processing Fee, est. registration)
Monthly Payment: $816.17
Residual at term: $0