Friday, July 3, 2015

We buy a car. What's more profitable: the loan or lease

The apartment, a car in the garage, a bank account. All this is commonly referred to as signs of a successful person. But is it profitable - to have a personal car? Let's ask the math and common sense to help us with the choice between a taxi and a personal car.

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Mascha Tace / Shutterstock.com
Mascha Tace / Shutterstock.com


Use Case

Initially, it helps to understand how you use or intend to use the car. The average person uses a personal or public transport to get to work in the morning and in the evening to go home.

Another case of use of the car - traveling long distances to visit relatives, friends or just a tourist trip to any city or location.

Based on this, we will not consider in this paper those cases where a person has to work on a day to use the car.

Alternative car

An alternative to the private car can serve as public transportation, friend or acquaintance with his car and taxi. Let us consider each of these options in detail.

Most of our readers do not live in Europe. And that means that public transportation in our country leaves much to be desired. No working schedule, when he should come to the right bus, the constant crush, dirt and rudeness. But the big plus - the fare. In Russia, Ukraine and other former Soviet countries fare is 10 times lower than, for example, in Germany.

A friend with his car - it's a great option. But only if you're on the road and your schedules coincide. If you have such a friend is not, then it offers many services that allow you to find a suitable companion for a modest fee. Sometimes even free, if the owner is looking for a company car, which will be fun to get to work. In any case, the fare is less than the cost of a taxi, but more expensive public transportation.

And the last option - a taxi. For comfort comparable to the one fellow traveler, but at a price significantly exceeds it. Sometimes even two to three times. Fortunately there is a competition, and the price of a taxi is lower than might have been.

Calculate the cost

How much does owning a car? On average 9 liters of fuel per 100 kilometers. There is still time depreciation of the car. The calculation of depreciation - a very controversial issue, but if the calculations are not conducted for the company and for themselves, it is customary to multiply the cost of fuel doubled.

Russians in 9 liters of fuel will have to pay 300 rubles, the Ukrainians - 200 hryvnia. Total costs without force majeure, taking into account depreciation equal to 600 rubles and 400 hryvnia on the 100 km for Russia and Ukraine respectively.
How much does a taxi? From Red Square in Mytishchi (length - 30 km) you can go for about 500 rubles. That is, it will come about three times more expensive than if we had used a private car. In Kiev, 25 km will have to pay about 110 hryvnia, which is approximately equal to the cost of use of private cars.

Public transport and companion option can not be seen clearly because of lower prices for travel.

What everybody forgets

While it turns out that the car in Russia have absolutely advantageous than use a taxi to travel. As for Ukraine, the cost will go about the same. But forget about the additional costs to the car and hidden problems ownership of the vehicle:

You need to think about parking. Residents of megacities know firsthand that the car park in the city - a large and often unsolvable problem. Moreover, you often have to pay for parking. And rather big money, in Moscow the average cost per hour of parking is 40 rubles.
You need to think about where to park the car at night. Not every one of us has a private garage or a parking lot, where we can park your car and not worry that it will spoil or theft. And even for parking has to be paid.
The car has the ability to break down. At any time, you can catch a pit on the road, and you will have to pay a rather big amount, for example, the new drive. And it will be one of the cheapest repair your car. Everything could have been much worse. You can fly the fuel system, suspension or engine.
Findings

If you need a car only to get to and from work, then you should think 10 times about whether to buy it. Car ownership - a very costly and moreover, it is a big headache. For long trips, you can use buses, trains, planes and other vehicles. As a last resort, you can rent a car.

Good taxi services and the development of healthy competition created very favorable conditions for those who can afford a car, but knows how to count money.

Using the taxi - a big minus expenses, minus the worries about parking, minus the spent nerves due to traffic jams and a variety of driving situations.
There is also a psychological factor. After all, if you need to get to a nearby subway station, then you most likely will not call a taxi and using public transport. Or do'll go on foot, it is useful to affect your health.

And you still want to buy a car?

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