State Farm Insurance - Seguro de automóviles, vida, incendios

¿Debo alquilar o comprar un vehículo?


APR*
Precio de compra
$
Tasa del impuesto sobre las ventas
%
Antigüedad del vehículo (años)
Reembolso en efectivo
$
Pago anticipado
$
Otros costos iniciales
$
Plazo del préstamo (meses)
Tasa de interés
%

Alquiler
Plazo de alquiler (meses)
Pago mensual
$
Depósito de garantía
$
Pago en efectivo
$
Reembolso en efectivo
$

Su tasa de interés de ahorros
%
Sus tasas impositivas del estado y federales
%

Depreciación futura
Plazo:The period of a loan, generally measured in years. Auto loans: generally range between two and five years. Mortgage loans: generally 15 or 30 years.
Pago inicial:A down payment is the cash you deposit towards the purchase of equipment, or commercial vehicle. The larger the down payment, the less you are required to borrow. For equipment loans, a down payment of 20% of the equipment purchase price is generally required. The value of a trade-in can be used instead of a down payment when purchasing replacement equipment.
Cash rebate:Dealers may offer a cash rebate as an incentive to buy an auto, boat or other vehicle. A cash rebate reduces the purchase price by the amount of the rebate. Some credit card companies offer a cash rebate card as an incentive for cardholders to make new purchases. There is usually limit on how large a rebate the cardholder may receive in a year.
Tax rates:The Economic Growth and Tax Relief Reconciliation Act of 2001 cut individual income tax rates for all brackets except the 15% rate. A sixth tax bracket of 10% was also added for the first $6,000 ($8,500 in 2011) of income for single taxpayers, $10,000 ($12,150 in 2011) for single parents and $12,000 ($17,000 in 2011) for married taxpayers. For 2011, the six income tax rates are 10%, 15%, 25%, 28%, 33% and 35%.
Savings interest rate:The savings interest rate is the yearly interest rate you earn on your savings. It is also used to calculate the opportunity cost of paying with cash. In contrast, the saving rate is the percentage of income you save.
Depreciación:Depreciation is the systematic reduction of book value over time due to wear and tear and obsolescence. Some equipment types depreciate faster than others. If a piece of equipment has a longer useful life, it suggests that its depreciation rate is lower than one with a shorter useful life. Depreciation is also used to calculate the residual value of leased equipment. Depreciation expense is a non-cash expense that creates tax savings.

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