Money factor, residual value ve taşıt kredisi amortismanı ile araç kiralama (lease) ve satın alma arasındaki 3-5 yıllık net gerçek maliyet farkı.
While leasing saves ₺183,39/mo in monthly cash flow, buying builds ₺7.813,56 in retained vehicle equity.
\text{Payment} = \left( \frac{\text{Net Cap Cost} - \text{Residual}}{n} + (\text{Net Cap Cost} + \text{Residual}) \times \text{MF} \right) \times (1 + \tau_{\text{tax}})Sum of monthly depreciation charge and finance fee (money factor applied to cap cost plus residual), adjusted for sales tax and compared against net equity in vehicle ownership.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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