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How to Calculate Monthly Lease Payments
Hi. I'm new to Edmunds and the knowledge I am gathering is great! Two quick question; is cap cost the same as selling price (minus incentives, down payment, left over from trade in.). Is base lease rate and money factor the same? If I have a base lease rate of 2.0 what am I calculating that with?
Welcome to Edmunds, karl!
Cap cost and sell price are, conceptually, two different things. Let's look at some terminology...
The agreed upon value is the FRBB's Regulation M term for selling price. If amounts are capitalized (i.e., financed) in the lease (e.g., acquisition fee, taxes, etc.), then those amounts are added to the agreed upon value. The sum is called the gross capitalized cost. If there are cap reductions (e.g., cash, trade credit, incentives), then these amounts are deducted from the gross cap. The difference is called the adjusted capitalized cost. If there are no amounts financed and no cap reductions, then the agreed upon value, gross cap, and adjusted cap will all have the same value.
The base lease rate is that rate with zero dealer profit and is offered to those with outstanding credit. The base rate, AKA buy rate, doesn't mean the dealer doesn't make a profit on the deal. It only means that they don't make a profit on the financing piece. Money factors are generally based on a tiered structure. For example
0.00200 + 0% reserves (0 dealer profit)
0.00220 + 1% reserves
0.00240 + 2% reserves
Some fund providers incorporate a fixed dollar amount into their money factors which means that the dealer earns a profit regardless of the money factor. I think American Honda Finance does this but I'm not not sure.
A base rate of 2 may mean a money factor of 0.00200 or, it may mean an interest rate of 2%. And so, you need to get clarification. Ally Bank (GMAC) is one of only a few fund providers that uses an interest rate.
The money factor is used to compute your monthly payment...
Payment = F x (C + R) + (C - R)/N
F = Money Factor
C = Adjusted Cap Cost
R = Residual Value
N = Term (months)
If you have an interest rate, it can be converted to a money factor approximation by simply dividing the interest rate by 24. So, a 2% interest rate equates to a money factor of approximately 0.02/24 = 0.00083. By the way, money factors are formatted as 0.00XXX.
Hope this helps.
The AutoLeaseGeek0
Yes. It cleared up the difference. Thank you for the details.0
carfreak1229 Posts: 6You could do ALL of this with a calculator and possibly mess up, or you could punch the numbers into WWW.Leaseguide.com 's calculator">link title0
In New Jersey you only pay sales tax on the difference between the sales price (gross cap) and the residual, NOT the payment.
Car is $20,000
Acq fee is $595
Gross cap cost $20,595
residual is $11,000
$9,595 is taxable.
Basically you're only paying sales tax on the depreciation, NOT the depreciation plus interest.0
Unless there have been NJ legislative changes recently and, with all due respect, consumer retail leases in NJ are taxed in much the same way that they are here in Ohio. In Ohio and NJ, tax is levied on the sum of the monthly payments, including interest. To wit and per
"Agreements for a term of more than six months: The lessee pays the sales tax to the lessor either on the original purchase price of the leased property or on the total of the periodic payments required under the lease agreement. (Whether the tax will be calculated on the purchase price or the total of the periodic payments is negotiable between lessor and lessee.)
Interest or finance charges will not be excludible from the lease payments when calculating the amount of tax due."
The AutoLeaseGeek0
It's different for automobile sales.
Pararaph 63 on page 16. Legislation has been effect since at least 1989. There's a more concise explanation, but it's not on a public website (DealerTrack)
I work New Jersey lease deals every day, it's important to know this as a number of unscrupulous dealers will use the other method during negotiations to pick up gross.0
Unless I'm missing something, there is nothing in the New Jersey Sales and Use Tax Act, Streamlined Legislation (P.L. 2005, c. 126, effective October 1, 2005, that suggests or implies that SSUTA does not apply to retail automobile leases.
The following document...
Streamlined Sales and Use Tax Law: Motor Vehicle Leasing Issues
(Based on Questions from the National Vehicle Leasing Association)
The information below applies to leases entered into on and after 10-1-05, which is the effective date of the adoption of the streamlined sales tax provisions.
at paragraph (8) provides...
8. What is the tax base under the total lease payments method?
For purposes of the total lease payments method, is the amount of the lessee's trade deficit paid off through the lease excluded from the tax base? Yes, the amount of the trade deficit is excluded.
Are separately stated delivery charges excluded? Delivery charges incurred to transport the vehicle to the dealer/lessor's place of business are included in the tax base. Prior to October 1, 2006, delivery charges that related to delivery of the vehicle by the dealer/lessor directly to the lessee were excluded from the tax base. On and after October 1, 2006, delivery charges that relate to delivery of the vehicle by the dealer/lessor directly to the lessee are included in the tax base.
Are separately stated interest, financing, and carrying charges excluded? No, such charges are not deductible in determining the tax base under the lease payments method.
Also, see...
You cited an old document from 1989. The revised (SSUTA 2005) seems to supercede the old (1989). Accordingly, and without definitive proof to the contrary, I would reasonably assume that total payments are taxed, including interest, per SSUTA (2005). I would like to see the more concise explanation from DealerTrack and confirm the same with the NJ Dept. of Revenue. Until then, I have little choice but to assume that NJ currently taxes retail automobile leases at 7% using the total number of payments, including interest, as the tax base unless, of course, the code of regulations state otherwise.
If what you're saying is true, then it's a half-assed way for the NJ Dept. of Revenue to do business as there doesn't seem to be any documentation regarding your claim.... at least not at the NJ website that I can see. Of course, definitive proof can be found in the NJ Code of Regulations as that's the final authority and not the website.
What you're claiming is that tax is levied on the depreciation amount disclosed in the lease. If the tax rate is 7% and the depreciation amount is $8,000, then the sales tax is $560. I assume that NJ defines depreciation as the difference between the adj cap and the residual per the FRBB's Reg. M. In addition, cash cap reductions (e.g, customer cash, cash incentives, loyalty cash, etc.) are taxable and trade deficits (i.e., negative equity) are not taxed as well as trade credit. Also, acquistion fees are taxed seperately if not included as an amount capitalized.
Just out of curiousity, have you made tax calculations manually to confirm that your software is computing tax on just the depreciation which excludes interest charges? Who is your software provider?
The AutoLeaseGeek0
The state itself is half-assed, as you say, particularly the MVC (Which seems to make up rules as it goes along).
Unless the laws have recently changed dramatically, New Jersey has historically only charged sales tax on the principal, not the interest.
Bank fees have always been taxable, Doc fees and MV fees are not taxable; warranties, etc are.
Trade differences, irrespective of equity or not, are tax exempt.
Granted the deals that I usually work are highly subvented, rate driven programs where the total lease charges are minimal, but it's still worth bearing in mind. I do know that NJ as well as other states have different ways of computing taxes on leases, it's possible that upfront taxes may well be different than financing them, there was, I do recall, a loophole in Illinois law that allowed this at one point.0
You said...
"Unless the laws have recently changed dramatically, New Jersey has historically only charged sales tax on the principal, not the interest. "
That's true but, apparently, SSUTA (2005) changed all of that. I've seen several different NJ dealer (Honda, Infiniti, GMAC (Ally), FMC) lease worksheets, over the last 22 months, compute sales taxes that comply with the SSUTA (2005) legislation in which interest is taxed. Moreover, sales tax is disclosed in the lease agreement which triggers a paper trail. If a dealership consistently over taxes or under taxes, and has the misfortune of being selected for a state audit, it could find itself in a very taxing situation (pun intended). And so, it's extraordinarily unlikely, and a real stretch, to say that these dealers are pocketing the alleged excess tax. Not only is it wrong and downright immoral, no dealer with any brains is going to risk engaging in such illegal practice. Furthermore, there is no way on earth that a fund provider like Honda or GMAC is going to permit sales tax to be computed in a way that violates state laws... ditto for the software providers. Otherwise, it would create a liability culminating in a river of lawsuit filings each hoping to be eventually certified as a class action.
There are four (4) methods used to compute sales tax
(1) Tax lease payment streams as they are received. This is the easiest and by far the most commonly used method in such states as CA, FL, PA, and WA
(2) Tax selling price (IL, MD, NJ, SC, TX, VA)
(3) Tax the sum of the taxable payments (MN, NJ, NY, OH)
(4) Tax depreciation (CO)
Yup, in NJ there are two methods, both negotiable, in which leases can be taxed. One is tax levied on the selling price (i.e., agreed upon value); the other is tax on the total payments. I can't imagine why any consumer would opt to be taxed on the sell price as it's always cheaper to tax the total payments.
Depending upon how the lease is structured, the sales tax calculation can be quite complex especially in NY. To compound the problem, states have different regulations regarding the taxability of fees and rebates. Some tax acquisition fees and rebates; others don't. Those that tax depreciation often define depreciation differently with respect to one another. Some define it as the difference between the adjusted capitalized cost and the residual while others define it as the difference between the sell price and residual. Some use the mathematically correct formulas to compute taxes in those instances where taxes are capped in the lease; others don't.
In NJ and Ohio, it's illegal to levy sales tax on sales tax. So, whether you pay all the sales tax at lease inception or, finance the tax in the lease, the amount of sales tax liability is the same either way. However, in NY , it's a different story. It's amazing to me why the constitutionality of sales tax on sales tax hasn't been challenged in both federal and NY state courts.
The AutoLeaseGeek0
I do think NJ lease taxation has changed in the last couple of years..
As mentioned, it used to be strictly on depreciation, paid upfront... Now, it's on total payments, again paid upfront...
That's just from anecdotal evidence (you know, reading hundreds of posts, each day).
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator0
thalthewall Posts: 2is residual calculated as a percentage of MSRP or capitalized cost. Im looking at a kia sorento, and it seems they calculate the residual from the capitalized cost, not the msrp (hence raising the monthly lease payments). This seems to go against most of what i know, is this a Kia practice or is it industry standard or am i missing something?
Residuals are calculated on MSRP.
Some makes (Toyota, for example) restrict the dollar amount of options that can be residualized. You can't really calculate the residual on a Toyota... you just have to get it from the dealer.
I haven't heard of Kia doing that, though..
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator0
fishmomma Posts: 1I admit I have probably never gotten a really good deal on a car, and have gotten REALLY ripped off more than once. I have done better on my last few purchases, since I started researching before my purchase, but unfortunately my most recent purchase a certified Yukon Denali, was a LEMON. I have literally had things falling off this SUV. It has had to have more repairs in the 6 months that I have owned it than all the cars I have ever owned put together! The warranty is only good for 6 months, and there are some major concerns about what I will do then. The dealership I purchased it from has been a nightmare...
I have about $8,000 ( I am being conservative) equity in the Yukon, and am ready to just trade it in for a lease. But to be honest I am scared to death to make another mistake. I am tired of being ripped off. I need something that seats more than 5 people ( we are a family of five) and I carpool a lot. So I am looking at an SUV or crossover of some type.
I have read through some of these posts and the math just makes my head hurt. I see these adds for low leases but they are always for a stripped down model. I tend to like the higher end trims. Also I only drive about 10,000 miles a year.
Where do I start?0
First, in some states, trading in an owned vehicle on a lease will give you a tax credit.
Second, I wouldn't put any more than $2-3k of your truck's equity down on a lease. Most advertised lease payments require a lot down, are plus tax, MV, dealer fees and include rebates that you may not qualify for. Read the fine print.
A good rule of thumb is that every $1k out of pocket on a 3 year lease is about $30/mo in payment.
So if the ad is $5k out of pocket, and you want to throw $2k out of pocket, assume that the $299 will be more like $389.0
apj74 Posts: 4I am getting into a lease for a 2012 Passat SE (automatic 2.5L) with an MSRP of ~25700 for 297.50/month for 36 months with 36000 miles. Any comments on this deal?0
Hi, I need to make a deal by tomorrow and was wondering if anyone can tell me these numbers are correct. Its on a lexus CT200H but the numbers look fishy to me.
I have tried alot of lease calculators but can't get the numbers they are getting
Vechical price - $36,509.00
Discount - $3,233.03
Rebate - $750
Total saling price - $32,525.97
Sales tax - $2094.87
Tag/title - $298.75
Dealer fee - $699.99
Balance Due - $35,626.04
money factor is .00160
Residual is - 62%
I live in florida and I'm putting down $5k and they say my monthly payment will be $365/month for 36/months 10k miles lease
I can't get the same numbers as them, at first I asked why they charge me tax on the whole vechical if i'm leasing, but they say when they compute it, it's without that tax.
Can someone compute this for me and see what my monthly should be? The $5k down, part will be 1st months payment. - this is for a lexus0
sebring95 Posts: 3,241I can make the numbers work almost to the penny if the residual is based on the selling price (not MSRP). Are they stating the 62% residual or are you backing into that? Do they give a stated $$ amount for the residual and if so, what is that amount? I'm not familiar with Florida sales tax so I'm not sure if it's charged on the full sale amount or just the payment. If it's not on the full sale amount then we're off by an even wider margin unless the $365 includes the sales tax.0
According to the info I found online, FL calculates the tax on the lease payment. So you can just take that $2094.87 out of your equation. Calculate the payment, then add your normal sales tax rate to the payment.
Your residual should be 22635.58. Is that correct?
'10 Equinox LS; '08 Charger R/T Daytona; '67 Coronet R/T; '14 Town&Country Limited; '18 BMW X2. 49-car history and counting!0
yes residual is 22635
now they said they used a money factor of .0026
and they gave me a new quote with .0016 (that's what they said)
3919 down will be $339/month
that 3919 down includes doc fees, tag and 1st month payment
does that first money payment make a diffrence? that's confusing me
thanks for the reply0
yes residual is 22636.58
is it better for me to pay off the dealer fees and tag fees first instead of putting all my money down as a cap reduction?
They are saying I can't use my rebate in the net cap cost total, i can use as a cap reduction though, isn't that same thing?
now they are charging me aqusation fees also since I found their numbers were wrong. Should i just walk away from them? they are puting some insurance fees etc in now without showing me the total selling price.0
yes, walk away.
'10 Equinox LS; '08 Charger R/T Daytona; '67 Coronet R/T; '14 Town&Country Limited; '18 BMW X2. 49-car history and counting!0
Totally agreed!
Leasing can be VERY complicated and confusing, even if everything is transparent, and especially for first-time leasers. If you are not completely sure about the deal and the dealership DO NOT lease from them.
Start over with another dealership. Feel free to come back here as many times as you need to and ask questions until you find a deal that you feel comfortable with. We have several members who are knowledgeable and willing to help you get the right deal - and thanks to qbrozen for helping this member!
Need help navigating? [email protected] - or send a private message by clicking on my name.
Share your vehicle reviews0
exactly as kirstie said... its complicated. And, unfortunately, some dealers use that to their advantage and try to make it even more complicated and confusing so they can milk you for more money. Don't let them do it to you!
'10 Equinox LS; '08 Charger R/T Daytona; '67 Coronet R/T; '14 Town&Country Limited; '18 BMW X2. 49-car history and counting!0
jsl1949 Posts: 11Just leased 2012 CTS Premium MSRP $49,165, total drive off $1500, 39 months, 12k, $525 including tax. Used Costco buying service. No hassle. Los Angeles.0
pknopp Posts: 13The problem with leasing is getting the information one needs to compare leases. It's easy to find what your interest rate will be. It's not so easy to get the money factor or residual in a lease.
You ask the dealer what the money factor is and they look at you like you've asked them something offensive.0
nyrgoal99 Posts: 7I dont think this is a good deal but I want some advice
Discounted to:$25,081
Tax Included: $12,23
Payment options
371 x 36 months, 0 Down
171.31 x 36 months, $6446.17 down
12K miles
Residual $17460
4.8% financing on lease
My feeling is that the 4.8% is high, and I dont understand the tax. 1,200 seems really high, plus I have a vehicle worth 9-10K to trade in that I do not think they factored in.
Thoughts? What should I be getting this car for?0
car_dude24 Posts: 9Hi all,
I am looking to lease a 2012 lexus or audi and would like your opinions. A friend of mine just got a lexus ES 350 touring edition (MSRP 40275) for 7000$ down and 300/month. Is that a good deal? This is in New jersey. While I am currently leaning towards the lexus I want to know if the above is a good deal and if I should try to get the same.
What are your thoughts?
Thank you for your help.0
Since your question is about a specific vehicle, you're better off posting in our Honda CR-V Lease Questions discussion. That's where you'll see other members posting their deals on CR-V leases.
Need help navigating? [email protected] - or send a private message by clicking on my name.
Share your vehicle reviews0
This topic is more for questions about how the lease deal is calculated. For specific vehicles, we have "lease questions" discussions for each make/model where you can ask about pricing, etc., for a particular model.
Here's the Lexus ES lease discussion:
One tip - putting $7,000 down on a lease is NOT a good idea.
Need help navigating? [email protected] - or send a private message by clicking on my name.
Share your vehicle reviews0


text:
FBI: Violent Crimes Up in First Half of 2012
WASHINGTON (CNN) — After several years of slow decline, the number of violent crimes in the United States edged up during the first half of 2012, according to newly released FBI statistics.
The figures supplied by the nation's thousands of police agencies showed that overall violent crime increased 1.9% over the comparable period for 2011.
Officials say the preliminary figures provided for the first six months of the year frequently provide a guide to figures for the entire calendar year, which are released in the fall.
Despite the increase in overall violent incidents, the number of murders declined 1.7 percent, and the number of rapes dropped 1.4%. Those figures, however, were offset by a 2% increase in robberies and 2.3% hike in aggravated assaults.
Among property crimes, larceny-theft, burglaries and motor vehicle thefts were all up slightly during the first half of last year. The largest increase was in arson, which went up 3.2%.
Officials will not know until next year whether these initial figures for 2012 represent the beginning of an upward trend in violent crime or a blip on the chart, which has shown an almost continuous decline in crime over the past 15 years.

subset: commoncrawl


text:
The latest attempt to expand gun owners' rights in Arizona – by allowing them to carry their weapons on public college campuses – is now up to Gov. Jan Brewer.
On Thursday, Senate Bill 1467, which had already cleared the Senate, passed in the House 33 to 24. It would allow people to carry their guns when walking or driving through campuses on public streets and sidewalks. The bill was narrowed from its original version, which would have allowed guns in campus buildings as well.
Ever since the Virginia Tech massacre, advocates for allowing guns on campus have argued that people should be able to defend themselves in such situations if security can't respond quickly enough. Some lawmakers have even proposed arming teachers in elementary and secondary schools.
But campus administrators and law-enforcement officers frequently oppose such efforts, concerned that the presence of weapons could lead to more violence.
Only in Utah are people allowed to carry guns into buildings on all public higher-education campuses. In Texas, a bill along those lines was hotly debated this week and appeared to be losing some support, but it could move forward again next week.
Currently Arizona law allows colleges or universities to decide whether to allow guns to be carried on campus, but none of the campuses do, reports The Arizona Republic. Other than Utah, the states are about evenly split between those that leave the decision up to each campus and those that specifically prohibit guns on campus, according to the National Conference of State Legislatures.
The fact that the Arizona bill was narrowed down to public passageways is a relief to gun-control advocates, who still oppose the bill but would be even more concerned if it allowed weapons into classrooms and dorms.
"This is one of those issues [where] parents of college students, law enforcement, students, and administrators are standing up and saying 'No,' " says Brian Malte, director of state legislation at the Brady Campaign to Prevent Gun Violence in Washington.
Since 2007, 45 attempts to allow guns on campus have been made in 24 states, and so far, all have failed, Malte says. He expects advocates to push again to allow guns in campus buildings in Arizona next year.
In Texas, two Senate Democrats who had originally supported the guns-on-campus bill withdrew their support this week after being bombarded with opposition from constituents and college officials.
"Anything that gets weapons closer to college students is a dangerous proposition," says James Alan Fox, a Northeastern University criminologist and author of "Violence and Security on Campus."
Alcohol use and depression among college students increase the potential for violent outcomes, he says, if weapons are introduced into the mix.
Homicides are rare on campuses – an average of fewer than 20 a year nationwide – which counters the argument that guns are needed for self-defense, Fox says. Even if there is an attack, "in the heat of the moment, most gun owners are ill-prepared for such a panic situation," he says, and having attackers and victims both drawing guns would make it harder for police to intervene.
Students for Concealed Carry, a national grassroots organization, counters such arguments. Since 2006, in Utah and at two campuses in Colorado and Virginia that allow concealed weapons, there haven't been any incidents of gun violence, the group's website says. It also notes that police are trained to discern who an assailant is, even if some of the victims are armed.
Bills like those currently pending in Arizona, Texas, and about half a dozen other states "remove the idea that college is some sort of magical zone where people should not be allowed to protect themselves," says David Burnett, the Kentucky-based president of Students for Concealed Carry.
This week, the group's members have been wearing empty holsters to class, their signature yearly protest to signify how defenseless they feel when licensed gun owners aren't allowed to bring them to campus.
The measure now on the governor's desk is one of a series of bills to scale back gun control that have been working their way through the Arizona state legislature. Gun issues are particularly hotly debated in Arizona in light of the Jan. 8 shooting in Tucson, Ariz., that killed six and wounded US Rep. Gabrielle Giffords and 18 others.
Material from the Associated Press was used in this report.


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Senate Dems offer, reject Ryan plan
Senate Democrats defeated Rep. Paul Ryan's budget on their floor Thursday night, a vote the majority party forced to make a political point.
Democrats noted that Senate Republicans, after praising the Ryan budget, didn't try to introduce a version of it as an amendment to the Senate budget resolution. So Sen. Patty Murray (D-Wash.), chair of the Budget Committee, offered it instead.
Story Continued Below
The two chambers would have to reconcile Ryan's (R-Wis.) budget — which overwhelmingly passed the House on Thursday — and Murray's spending bill for either one of them to affect government spending. That is an unlikely scenario, despite the fact the Senate will soon pass the Murray resolution.
( Also on POLITICO: House passes Ryan budget)
The Senate began considering amendments to the budget Thursday evening, agreeing to a measure that would recommend eliminating the medical device tax from Obamacare and another that would prohibit turning Medicare into a voucher program.
Because the amendments are to the budget resolution, the votes are non-binding but take the temperature of lawmakers for support for potential future bills.
Even though senators voted on five amendments to the budget Thursday, they still have a long Friday ahead. The upper chamber will consider several amendments beginning at 11 a.m. and then start a "vote-a-rama" at about 2:30 p.m., a process of rapidly voting on amendments that can last more than 10 hours.
( Also on POLITICO: The war over 'balanced')
One of the banner votes on Thursday was on the Ryan budget, which Democrats have sought to juxtapose against their own. Five Republicans broke with Democrats to oppose the House Republican's budget: Sens. Susan Collins (Maine), Ted Cruz (Texas), Dean Heller (Nev.), Mike Lee (Utah) and Rand Paul (Ky.).
The Senate also voted 79-20 to recommend eliminating the medical device tax, a controversial part of the Affordable Care Act.
The House passed the Ryan plan, which tries to balance the budget in the long term by cutting spending, repealing Obamacare, and overhauling Medicare while avoiding any tax increases, Thursday morning on a mostly party-line vote.
"We welcome the contrast with the Ryan budget," Sen. Chuck Schumer (D-N.Y.) said.
A Republican aide insists their side would have offered Ryan's budget even the Democrats won't.
"We've voted on it twice in two years, if they didn't offer it I'm sure someone on the Republican side would," a GOP aide said.
( Also on POLITICO: Conservative House budget fails)
Sen. Jeff Sessions (R-Ala.), at a press conference to continue criticizing Democrats for not presenting a balanced budget, said the Senate focus should be on the Democrats' budget, not Ryan's.
"They are very, very determined to change the focus away from their plan to the Ryan plan, and I'm not interested in talking about that right now," Sessions said.
Democrats are expected to have enough votes to pass the budget resolution, but they would like to limit defections to no more than four — in order to prevent Vice President Joe Biden from coming to the Senate to cast a tie-breaking vote if only 50 Senate Democrats vote for it.


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Additional Information
Global UPC No Manufacturer Barracuda Networks Supplier No Barracuda Series Barracuda Spam Firewall Subscription Type Energize Updates Subscription Service Energize Updates Subscription Length 1 Year
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