My Take: I think the Q7 is a good “lease-to-buy” candidate due to the low money factor and low residual value. No inceptives available on the Q7 other than “special” financing. I use the term losely because 4.9% for 60 months is FAR from special. More reason to lease first then buyout the lease if you intend to keep the car, right?
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2009 Audi Q7
2009 Audi Q7 3.6 Base
24-month | 15k miles | residual 52% | .00035 base money factor
36-month | 15k miles | residual 48% | .00035 base money factor
48-month | 15k miles | residual 34% | .00377 base money factor
2009 Audi Q7 3.6 Premium
24-month | 15k miles | residual 50% | .00035 base money factor
36-month | 15k miles | residual 43% | .00035 base money factor
48-month | 15k miles | residual 36% | .00377 base money factor
2009 Audi Q7 3.6 Premium Plus
24-month | 15k miles | residual 49% | .00035 base money factor
36-month | 15k miles | residual 42% | .00035 base money factor
48-month | 15k miles | residual 35% | .00377 base money factor
2009 Audi Q7 3.6 Prestige
24-month | 15k miles | residual 47% | .00035 base money factor
36-month | 15k miles | residual 40% | .00035 base money factor
48-month | 15k miles | residual 33% | .00377 base money factor
2009 Audi Q7 4.2 Prestige
24-month | 15k miles | residual 46% | .00201 base money factor
36-month | 15k miles | residual 39% | .00201 base money factor
48-month | 15k miles | residual 32% | .00377 base money factor
When you consider lease to buy as an option, do you include paying sales tax twice in your calculations?
In most states, sales taxes are calculated as use tax, which is paid monthly on just the depreciation portion of the car. If you choose to buy out the car, you would be paying for the remainder of the residual value of the car. So if you where to lease the 2009 Audi Q7 3.6 Prestige for 36 months, you would pay taxes on 60% of the car. Then at lease end, you would pay for the remaining 40%.