however, is it true that interest is not charged on the tax? So, in effect, it is the same as paying tax on the payment (even if calculated differently, if the end result is the same, it doesn't matter). As long as interest isn't charged on the tax, there is no benefit paying it up front, which was the poster's question. Correct?
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
If the tax is capitalized, then it will be subject to interest charges as it is included in the gross cap. Below is a lease I constructed almost two years ago in Ohio...
So paying upfront and paying monthly is essentially the same?
Only asking because I have 2 lease offers: 1 w/ all fees/taxes rolled into monthly payments and the other with much higher upfront costs including tax w/ lower monthly.
the higher upfront cost sounds cheaper in the long run but maybe i'm missing some additional fees.
Given that a car is a depreciating asset and the cost of money is relatively cheap, I wouldn't part with any money upfront. Just roll it in with the lease.
I don't believe the tax is capitalized in NJ. At least, I can't find any evidence that supports that.
So that OH lease you pasted, I can see that, if interest wasn't charged on the tax, the payment would be about 60 cents less. AFAIK, if you did that same lease in NJ, the payment would be $220.38.
Maybe I'll see if my sister can bring over her lease contracts we did a few weeks ago so I can take a look.
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
Tax can be capitalized at the lessee's request. I have constructed several lease proposals for individuals in the State of NJ over the past three (3) years and have never had a problem with any of the NJ dealerships doing this. They really don't care and neither does the State of NJ. Either way, NJ will receive the tax payment upfront. The fund provider simply advances the dealer the cash to pay the taxes and the lessee re-pays the tax, included in their lease payment, over the term of the lease.
If you have any questions about the lease contract, please let me know. I'll be glad to address them.
I'm having a tough time following your posts. I thought you used the term "capitalized" to mean the total the interest is charged on. The simple question is, "does NJ charge interest on the tax if you don't pay it up front?"
I'm saying no, because that's what I've read. Are you saying yes or no?
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
NJ does not charge interest on the tax if it's not paid upfront because they're not the entity that funds the lease. It's the fund provider that charges interest on the tax if it's not paid upfront because the tax is financed (capitalized) in the lease. NJ does not finance leases. Banks and manufacturer finance subsidiaries (e.g., American Honda Finance, etc.) finance leases.
I didn't actually mean the state of NJ. I meant in NJ. I am well aware NJ isn't charging interest like a lender.
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
with MSRP of $38,345, $725 Acquisition fee, $750 loyalty rebate, and $3,624 first month (including $2500 down, $725 acq. fee and $399 first month payment), I get monthly payments of $412 (pretax and excluding license and reg), when I use 0.0013 for money factor and 0.6 residual factor for 10,000 miles per year. (these are the values currently offered by BMW financials).
Here is my calculations: Net Cap Cost = 38345 (MSRP) + 725 (acq. fee) - 2500 (down payment) - 725 (acq. fee paid upfront) - 750 (loyalty rebate) = 35095
The only way that I can $399 seems to be if I include first month payment in "cap cost reductions", to bring the net cap cost down to $34696, which reduces the monthly depreciation to $325 and the finance charge to $75 (total ~$400). But including first month payment in the "cap cost reduction" doesn't make sense to me. If I do that, should I then divide the total depreciation by 35 instead of 36 (since one month is already paid)?
No, in reality I will negotiate and get (hopefully) a much better price than MSRP. I was just trying to practice to get the numbers posted on their website right.
So, there's a hidden discount somewhere. That makes much more sense.
I was planning on leasing a Volkswagen CC probably next month, But when I look at the very substantial incentives ($3500) available in April I'm feeling some pressure to do it now. I'm concerned that VW may not extend the incentive into May. Does anyone know what rationale the car makers use in keeping or pulling incentives from month to month? Is there any public source that can accurately estimate the next months deals?
However, there is NO source that can tell you what next month's incentives will be. These aren't published anywhere because they would influence buying patterns, and also, because sometimes incentives are based on previous months' sales.
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Have a few questions on the sales tax on a lease quote I received for a 2013 Pathfinder Platinum Premium - 3 year/36K . I will list my details below but the total sales tax the dealer calculated on their lease worksheet came out higher then my calc. I am leasing in NJ.
The total sales tax that the lease worksheet I have is $1,351.20. I am coming in a little less then that if I base my tax calculation off of the total amount that I am technically "borrowing" which would be 16,811.70. Let me know if you have any insight on this topic.
Something is missing. Did you capitalize the first payment and/or tax into the lease? If you email me the dealer worksheet, I'll be able to see exactly what's going on with this lease.
Hi - this discussion is for more general questions about leasing, and calculating the lease payment itself. For info on what specifically constitutes a good deal on a particular vehicle, you're better off posting in a discussion about that vehicle: VW CC Lease Questions
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Hi. Am looking at leasing for the first time ever. I have some interesting (good?) money factors , ranging from .0013 and .0016 for various crossovers (i haven't decided which one I like - OUtback, Santa Fe, CX5, Sorento), and residual values from about 59 - 63%. I am looking for 36 - 42 mo, 10K - 12K mi, and $0 down. Some of the monthly payments are around $350. I really would like to get this down closer to $300. is the only number I can push on the Sale price of the car, without having to put money down? I thought that money factor was unable to budge, but a friend just suggested it may be.
Also - is it common/uncommon/advisable or not to ask for service contract to be thrown in?
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I would like to trade in my car in and lease a new car. New job, less money, better benefits. I do still owe money on the car but have about 13-14k equity in the car. Would like to use a little of the money towards a new car lease and pocket rest of the money so I can supplement my income. I know that you get less for trading in vs. selling privately, but to add the tax to the trade-in amount to see if it is worth it just to sell privately.
Question is, for the amount of money I will receive for my trade-in, the tax on the amount will far surpass the amount of taxes on the lease. What happens with the excess taxes? Applied to the lease? Or will I loose it? Thanx!
You don't buy the car that you are leasing, you do not own it. Thus there is NO tax advantage for trading in. In most states, you pay sales tax each month on the actual lease payment. In Texas, where I live, the leasing company pays the sales tax (on the entire purchase price) up front and then expects you to pay it back to them.
You might want to do a google search and see how it works in the state where you live. But in no case (that I am aware of) do you get a "tax advantage" for trading in.
well, I can say in NJ you do. If I trade in a car worth $14k on a lease where I'm financing $14k in depreciation over the life of the lease, I don't pay tax on that depreciation cost.
To answer the OP (I thought I answered this very question already... maybe in a different discussion): there is no excess tax refund because it isn't a refund, it is a credit, therefore it can never go less than zero.
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
The deal is set up with $2k out of pocket for me. However when I plug all numbers into this lease calculator, I get around $1500 due at signing and a slightly lower payment:
First of all, thank you so much for the info on how to calculate the lease payments. I made a spreadsheet to run the numbers given the MF, Residual %age, Cap Cost etc.
Some of my numbers are coming out off from what I am reading on this forum. I would really appreciate if you can glance over the following image and let me know what am I doing wrong, will take just a couple of mins. The calcs are here: http://imgur.com/mKfzR8Q
Don't mean to steal Kirstie's thunder but your first column calculations look just fine unless your inputs are incorrect. Where are you seeing discrepancies?
Steal away, John! I have no thunder, LOL. Calculating lease payments is out of my area of expertise, or even basic competence. I leave it to you experts to provide good info.
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The dealer said $400/month for a 36 month/12k miles/year with zero down Is this good ? Is this fair ? Does it mean anything without any other numbers like cap cost and residual and all that ? NY State. Thank you in advance for your answers, all ! Please let me know if I need to get certain info from dealer to share with you so you can answer more accurately. I appreciate it. Please reply soon as I'm supposed to be signing in a couple of days.
Hi - if you're still looking, our Santa Fe Lease Questions discussion would be a better place to compare what others are paying for their leases: http://townhall-talk.edmunds.com/WebX/.ef9da1d/0
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Hello, what is the monthly cost of leasing a 2014 BMW 320i xdrive in Mineral Grey Metallic with the Premium Package and heated front seats. Price of vehicle is $36,042.97 with a money factor of .00125 and a 52% residual. Only paying taxes and fees totalling $2,800. Your help is greatly appreciated.
Hi.. general question: having difficulty figuring out how tax is calculated when leasing (in NJ @ 7%). is the tax applied to the base monthly lease (selling price less RV divided by lease term months) + monthly interest pymt (selling price + RV * MF)??
I ask b/c the dealer wants a down payment and i believe that he mentioned that the payment would cover tax in some fashion. So am I paying the tax upfront in the down payment and then again in my total monthly? if that is the case then aren't you paying tax twice?
or should i only be paying the tax on the monthly and that the down payment that is "supposed to go to tax" is actual cost cap reduction? but if you have already agreed upon a selling price, doesn;t that mean that that down payment is actually just reducing your incentives since your selling price is already agreed upon?
Can someone please clarify when the tax is or should be applied to a lease deal in NJ?
I'm looking to lease a 2015 Rouge SV (Prem Interior + Mats). I spoke to a sales manager last night and he came back to me with the following :
MSRP = 29,000 Selling Price = 26,225 MF = ? Won't tell me Residual % = Wont tell me Mo Lease PMT = 310 Mo Tax = 27.90
I have my own analysis where I'm manipulating the numbers to get to his payment and it looks like the tax of 27.90 is being calculated based on the residual value of the car. Is this correct? PA tax is 6%.
I'm looking to lease a 2015 Rouge SV (Prem Interior + Mats). I spoke to a sales manager last night and he came back to me with the following :
MSRP = 29,000 Selling Price = 26,225 MF = ? Won't tell me Residual % = Wont tell me Mo Lease PMT = 310 Mo Tax = 27.90
I have my own analysis where I'm manipulating the numbers to get to his payment and it looks like the tax of 27.90 is being calculated based on the residual value of the car. Is this correct? PA tax is 6%.
In PA, the tax for a lease is calculated against the monthly payment.
Pennsylvania sales tax is 6% of the purchase price or the current market value of the vehicle (7% for residents of Allegheny County and 8% for City of Philadelphia residents). Buying or Selling Your Vehicle in Pennsylvania - PennDOT ... www.dmv.state.pa.us/pdotforms/fact_sheets/fs-buysell.pdf
Pennsylvania sales tax is 6% of the purchase price or the current market value of the vehicle (7% for residents of Allegheny County and 8% for City of Philadelphia residents). Buying or Selling Your Vehicle in Pennsylvania - PennDOT ... www.dmv.state.pa.us/pdotforms/fact_sheets/fs-buysell.pdf
It was my understanding that the 9% was specifically for leases.
Comments
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
April 11, 2010
2010 Honda Accord LX
Retail Pricing Information
Base MSRP 2010Honda Accord LX AutomaticModel CP2F3AEW .. . 21,855.00
Polished Metallic .. . 0.00
Destination Charge . . .. 710.00
MSRP .. . ... 22,565.00
Selling Price
Agreed Upon Value . 18,884.05
Amounts Financed (Capitalized)
AHFC Acquisition Fee 595.00
Medina Sales Tax @ 6.50% 36 206.93 .. .. 484.22
Capitalized Costs
Gross Capitalized Cost . 19,963.27
Capitalized Cost Reduction . 0.00
Adjusted Capitalized Cost 19,963.27
Residual Data
Residual Factor .. . . 0.60
Residual Value (Residual Factor × MSRP) .. . . . 13,539.00
Cost of Money/Term
Money Factor . . . 0.00127
Term (months) . 36
Lease Payment Itemization
Monthly Lease Payment . .. . . . 221.00
Taxable Monthly Lease Payment .. .. 206.93
Estimated Charges Payable at Lease Origination
License, Title, Registration Fees (estimated) . . ... .. 125.00
Amount Due at Lease Signing .. .. 125.00
Fund Provider: AHFC
GAP Coverage: Included
Annual Mileage Allowance: 12k
Disposition Fee: None
Excess Mileage Charge: $0.15 per mile
Medina Sales Tax 6.50% 36 206.93 .. .. 484.22
from the above post should read...
Medina Sales Tax 6.50% x 36 x 206.93..... 484.22
John
PS: Anything that is capitalized in a lease, taxes or otherwise, is going to be charged interest.
So paying upfront and paying monthly is essentially the same?
Only asking because I have 2 lease offers: 1 w/ all fees/taxes rolled into monthly payments and the other with much higher upfront costs including tax w/ lower monthly.
the higher upfront cost sounds cheaper in the long run but maybe i'm missing some additional fees.
John
So that OH lease you pasted, I can see that, if interest wasn't charged on the tax, the payment would be about 60 cents less. AFAIK, if you did that same lease in NJ, the payment would be $220.38.
Maybe I'll see if my sister can bring over her lease contracts we did a few weeks ago so I can take a look.
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
If you have any questions about the lease contract, please let me know.
I'll be glad to address them.
John
MSRP 32890
Sell price 29576
Money factor.00010
Payment of $479/month with $1000 down + fees.
Is this a good deal?? :confuse:
I'm saying no, because that's what I've read. Are you saying yes or no?
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
If you wish your bank to pay the tax and then add the amount to your capitalized cost, then you will certainly pay finance charges on that amount...
NJ doesn't care.... they always get it upfront...
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John
TheAutoLeaseGeek
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
So, I'm trying to practice my calculations before going to the dealer today, but something doesn't add up. For the lease special offered at:
http://www.bmwusa.com/standard/content/Vehicles/2013/X1/xDrive28i/
with MSRP of $38,345, $725 Acquisition fee, $750 loyalty rebate, and $3,624 first month (including $2500 down, $725 acq. fee and $399 first month payment), I get monthly payments of $412 (pretax and excluding license and reg), when I use 0.0013 for money factor and 0.6 residual factor for 10,000 miles per year. (these are the values currently offered by BMW financials).
Here is my calculations:
Net Cap Cost = 38345 (MSRP) + 725 (acq. fee) - 2500 (down payment) - 725 (acq. fee paid upfront) - 750 (loyalty rebate) = 35095
Month depreciation = (35095-23007)/36 = 336
Interest = (35095+23007)*.0013 = 76
Total = 336+76 = 412
The only way that I can $399 seems to be if I include first month payment in "cap cost reductions", to bring the net cap cost down to $34696, which reduces the monthly depreciation to
$325 and the finance charge to $75 (total ~$400). But including first month payment in the "cap cost reduction" doesn't make sense to me. If I do that, should I then divide the total depreciation by 35 instead of 36 (since one month is already paid)?
Am I missing something?
Thanks much
There is an unspecified dealer discount in the advertisement...
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No, in reality I will negotiate and get (hopefully) a much better price than MSRP. I was just trying to practice to get the numbers posted on their website right.
So, there's a hidden discount somewhere. That makes much more sense.
Does anyone know what rationale the car makers use in keeping or pulling incentives from month to month? Is there any public source that can accurately estimate the next months deals?
Melech
http://townhall-talk.edmunds.com/WebX/.f1ba668/565
However, there is NO source that can tell you what next month's incentives will be. These aren't published anywhere because they would influence buying patterns, and also, because sometimes incentives are based on previous months' sales.
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Have a few questions on the sales tax on a lease quote I received for a 2013 Pathfinder Platinum Premium - 3 year/36K . I will list my details below but the total sales tax the dealer calculated on their lease worksheet came out higher then my calc. I am leasing in NJ.
MSRP: 44,645
Cap Cost : 41,000
Acq Cost : 595
Rebate: 675
Adj Cap Cost 40,920
Residual: 54%
Money Factor: .00056
The total sales tax that the lease worksheet I have is $1,351.20. I am coming in a little less then that if I base my tax calculation off of the total amount that I am technically "borrowing" which would be 16,811.70. Let me know if you have any insight on this topic.
Thanks!
Yes, I do have some insight on the way taxes are computed in NJ as it is done the same way in Ohio. What I need to know is your NJ sales tax rate.
John
TheAutoLeaseGeek
The tax rate in NJ is 7%
Something is missing. Did you capitalize the first payment and/or tax into the lease? If you email me the dealer worksheet, I'll be able to see exactly what's going on with this lease.
John
Jeff
[email protected]
John
Thanks for sharing the knowledge.
Here's the offer I have:
Cap cost:28872
MSRP: 33160
Purchase option: 16266.80
Residula: 48%
They didn't give me the MF but they came up with a monthly lease payment of 399 with $0 down and 1st month free for a 39 month lease period.
Is that a good deal?
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Also - is it common/uncommon/advisable or not to ask for service contract to be thrown in?
Thanks!
Question is, for the amount of money I will receive for my trade-in, the tax on the amount will far surpass the amount of taxes on the lease. What happens with the excess taxes? Applied to the lease? Or will I loose it? Thanx!
http://www.leaseguide.com/articles/texas-auto-lease.htm
You might want to do a google search and see how it works in the state where you live. But in no case (that I am aware of) do you get a "tax advantage" for trading in.
To answer the OP (I thought I answered this very question already... maybe in a different discussion): there is no excess tax refund because it isn't a refund, it is a credit, therefore it can never go less than zero.
'94 Pajero 2.8TD, '08 Charger R/T Daytona; '67 Coronet R/T; '13 Fiat 500c, '21 WRX, '20 S90 T6, '22 MB Sprinter 2500 4x4 diesel, '97 Suzuki R Wagon, '97 Alto Works, '96 Opel Astra, TWO 4wd '97 Pajero Minis (1 turbo auto and 1 N/A manual); Wagoneer L on order; and in queue for Lucid Air Pure, Blazer EV, and Fisker Ocean.
http://www.lolzilla.net/images/08507278119174813050.jpg
The deal is set up with $2k out of pocket for me. However when I plug all numbers into this lease calculator, I get around $1500 due at signing and a slightly lower payment:
http://www.lolzilla.net/images/89308216729744087755.jpg
Can anyone tell me what I am missing? What I am doing wrong?
Thanks
First of all, thank you so much for the info on how to calculate the lease payments.
I made a spreadsheet to run the numbers given the MF, Residual %age, Cap Cost etc.
Some of my numbers are coming out off from what I am reading on this forum. I would really appreciate if you can glance over the following image and let me know what am I doing wrong, will take just a couple of mins. The calcs are here: http://imgur.com/mKfzR8Q
Thanks!
Don't mean to steal Kirstie's thunder but your first column calculations look just fine unless your inputs are incorrect. Where are you seeing discrepancies?
John
TheAutoLeaseGeek
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Is this good ?
Is this fair ?
Does it mean anything without any other numbers like cap cost and residual and all that ?
NY State.
Thank you in advance for your answers, all !
Please let me know if I need to get certain info from dealer to share with you so you can answer more accurately.
I appreciate it. Please reply soon as I'm supposed to be signing in a couple of days.
http://townhall-talk.edmunds.com/WebX/.ef9da1d/0
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Hi.. general question: having difficulty figuring out how tax is calculated when leasing (in NJ @ 7%). is the tax applied to the base monthly lease (selling price less RV divided by lease term months) + monthly interest pymt (selling price + RV * MF)??
I ask b/c the dealer wants a down payment and i believe that he mentioned that the payment would cover tax in some fashion. So am I paying the tax upfront in the down payment and then again in my total monthly? if that is the case then aren't you paying tax twice?
or should i only be paying the tax on the monthly and that the down payment that is "supposed to go to tax" is actual cost cap reduction? but if you have already agreed upon a selling price, doesn;t that mean that that down payment is actually just reducing your incentives since your selling price is already agreed upon?
Can someone please clarify when the tax is or should be applied to a lease deal in NJ?
thank you in advance
0.50% APR and 55% residual
MSRP $25,702
Negociated $24,000
7% NJ Tax
36 months 10,500 miles
can someone please calculate. Thanks!
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
I'm looking to lease a 2015 Rouge SV (Prem Interior + Mats). I spoke to a sales manager last night and he came back to me with the following :
MSRP = 29,000
Selling Price = 26,225
MF = ? Won't tell me
Residual % = Wont tell me
Mo Lease PMT = 310
Mo Tax = 27.90
I have my own analysis where I'm manipulating the numbers to get to his payment and it looks like the tax of 27.90 is being calculated based on the residual value of the car. Is this correct? PA tax is 6%.
And, the tax rate is 9%, not 6%.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Pennsylvania sales tax is 6% of the purchase price or the current market value of the vehicle (7% for residents of Allegheny County and 8% for City of Philadelphia residents).
Buying or Selling Your Vehicle in Pennsylvania - PennDOT ...
www.dmv.state.pa.us/pdotforms/fact_sheets/fs-buysell.pdf
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
FYI, the lease sales tax rate is 10% in Pittsburgh.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4