ࡱ> ^b]c bjbj 0Hff R R 8T7|9<p####LN9P9P9P9P9P9P9$ <>xt9t9##9F##N9N965^8#>%bR6:990969?d9?8^89?^8t9t9 99?R ]: Buying or Leasing a Vehicle Introduction Today, you will shop online for a new or used vehicle that you would be interested in buying. After you have chosen the vehicle you would like to buy, you will need to record some specific information about it. Since you have just graduated from high school/college and got a job, you will now need to get a loan from the bank so you can make payments on your auto. To determine how much you will be paying in vehicle payments for a month, you will need to use a loan calculator. Part 1. To determine what type of vehicle you may need, answer the following questions: Will you need to haul anything with your vehicle? _________ Will you ever need to have more than two people in your vehicle? __________ Will you need four-wheel drive? _________ Will you need to drive long distances? _________ Step 2: Finding the right vehicle for you! It is time to find the vehicle that best fits your style. Below are two websites that can help you get started on finding your vehicle or you can use a website of your choice.  HYPERLINK "http://www.cars.com/" Cars.com  HYPERLINK "https://www.kbb.com/" Kelley Blue Book When you find the vehicle that you would like to purchase, fill in the table below: Make (Ford, Acura, etc.): Model (Focus, RDX, etc.): Year: New or Used and why? Price: How many miles has your car already been driven? What is the gas mileage (MPG) for your car in the city and highway? Why did you choose this car? Step 3: Finding the Right Loan Process: If you are buying a new vehicle, enter 48 months, 60 months, & 72 months into the Loan Length column; if you are buying a used vehicle, enter 36 months, 48 months, & 60 months. Using the website,  HYPERLINK "https://www.bankrate.com/loans/auto-loans/current-auto-loan-interest-rates/" Bank Rate, find your interest rate for each term (if buying a new car, your 72 month loan interest rate will be 4.47%) Using the website HYPERLINK "https://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx"Auto Loan Calculator, enter the cost of vehicle, length, new or used, and interest rate and Enter. Enter the monthly payment, interest and calculate the total cost of the loan (Cost + Interest). Loan LengthsInterest RateMonthly PaymentInterestTotal Loan Cost (Cost + Interest)MonthsMonthsMonths Step 4: Depreciation Every year a vehicle loses value, some more than others. Use the website,  HYPERLINK "http://www.edmunds.com/tco.html" Depreciation Calculator to find the depreciation of your vehicle in the next five years. Depreciation of your car in the next 5-years: $ By subtracting the depreciation value from the initial cost of the vehicle, how much is your car worth after 5 years? $ Knowing how much your car depreciations in 5-years, would you still buy this car? Why or why not? Step 5: Leasing a Vehicle You have decided to lease a vehicle. You have decided to lease an Audi. Use the following link  HYPERLINK "https://www.audimarietta.com/specials/lease.htm" Audi Marietta to choose a vehicle to lease. Complete the table below. Type of VehicleMonthsMonthly PaymentAmount Due at SigningMiles allotted per yearMSRPTotal Cost 36**Total Cost is calculated by multiplying monthly payment by 36 and adding the amount due at signing. 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