2026 年汽车租赁 vs 分期 vs 现金购车 — 总成本比较

**缺点：** 需要大额前期资金，完全承担折旧风险 --- ### 分期（融资购车） 采用分期方案时，购车资金由银行或资本公司提供。2026 年常见年利率约为 4–8%。 **5000 万韩元车辆，60 个月分期，利率 6%：** ```
Vehicle price: KRW 50,000,000
Acquisition tax: KRW 4,000,000
Down payment (20%): KRW 10,000,000
Financed amount: KRW 40,000,000 Monthly rate: 6% ÷ 12 = 0.5%
Monthly payment: ~KRW 773,000
Total installment payments: ~KRW 46,400,000
Total interest: ~KRW 6,400,000 5-year total:
Down KRW 10M + Installments KRW 46.4M + Tax KRW 4M = KRW 60.4M
Less residual value: –KRW 20M
Net 5-year cost: ~KRW 40,400,000

- 每月租赁付款可全额作为业务费用扣除
- 年租赁付款 800 万韩元、企业税率 22% 时 → 每年节税 176 万韩元 **对于个人：**
- 无需缴纳购置税（优点）
- 不能进行费用扣除（缺点）
- 合同期满没有车辆 — 必须再次租赁 **优点：** 无购置税、初始支出较低（仅押金）、企业可全额费用扣除
**缺点：** 无所有权、有年度里程上限、提前终止违约金较高 --- ### 融资租赁 融资租赁允许你在合同期末支付残值买下车辆。 ```
Key feature:
- At contract end, pay residual value (typically 20–30% of vehicle price) to acquire title
- Or return vehicle and re-lease
- Hybrid between installment and operating lease