唐小熊
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《浅析乐道到底是Baas划算还是直接买断划算》
5年baas费用599*60个月-7188权益-56000*3%*5（五年理财收益）=20352元
以蔚来为例倒推乐道baas转买断每期抵扣460/728*599=378元，5年后买断=56000-（60-12）*378=37856元
合计总支出20352+37856=58208元
也就是说用baas的方式只要能保证每年收益率3%，五年后baas转买断的总支出成本，比当下直接买断多了2208元。
再考虑到通货膨胀，我认为还是baas更加划算。
最后编辑于 · 2024-09-20
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