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Old 3 Weeks Ago
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Default Cash or leasing?

Hi guys!
Whatís your opinion on buying things like real estate, cars is it better to save up and pay in cash or get it on leasing?
Like if you were in your 20-30 would you better be renting a place to live and saving to buy house or would you take a loan?
And if you were to buy a car would you wait year or two to save up and pay cash or you would better get it leased, pay monthly and do something else with the rest of money you have had saved up for a car?
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Old 3 Weeks Ago
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Default Re: Cash or leasing?

Typically if an asset appreciates in value, then buy it. (like a house)

If an asset depreciates (like a car) then better to lease.

Many, many factors to consider though when buying or leasing.
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Default Re: Cash or leasing?

For cars - really depends on the car and how it’s long term residuals work out

You could buy for let’s say 30k and well 3 years later for 18k. That is a -12k ROI. If you have borrowed the money you then need to also take into account the interest rate

Then look at the cost of leasing - what would it cost you over 3 years? Can you fund it as a company car? Can you easily affords the monthly repayments?

Just do the maths from there

Houses - always best to buy if you buy smart IMO as they are commodities that usually increase in value
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Old 3 Weeks Ago
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Default Re: Cash or leasing?

Originally Posted by just_smile View Post
Typically if an asset appreciates in value, then buy it. (like a house)

If an asset depreciates (like a car) then better to lease.

Many, many factors to consider though when buying or leasing.
Nice simple analysis there
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Old 2 Weeks Ago
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Default Re: Cash or leasing?

it depends on your own personal situation.......

for me, it is better to rent than to buy at the moment.......

because putting a large down payment of 100-200k would dramatically hurt my business leverage purchase power.......

rent is smarter for me because I can keep my 200k+ of cash and use it for my business and generate 5 figures monthly in profits.......

I think of mainly just the opportunity cost..........
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