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新车落地真的会贬值30%吗?
Do new cars really depreciate by 30 per cent when you drive them off the lot?





《环球邮报》日前发表的一篇文章称,有一位读者想知道新车落地是否真的会贬值30%?

这位来自温尼伯的读者称,他一直想买辆二手车,因为他听说新车一落地就会贬值30%。他的父亲就常常这样说,但他不知道这是否是真的。他之所以要弄清楚这个问题,是因为他喜欢全新的SUV,但他也不想花冤枉钱。
 
对此专家称,购车者的确应该留意有关车辆折旧的警告,即有些汽车在上路第一年就会贬值30%。
 
汽车销售谘询网unhaggle的首席执行官Andrew Tai表示,实际上,没有人会购买一辆新车,然后车一落地就又卖掉。但是,新车一落地就会大幅贬值的确是事实。


 
据加拿大汽车买卖黑皮书(Canadian Black Book,简称CBB)称,新车在第一年的平均折旧率约为30%到40%,但大多数车辆的折扣率没有这么高,而有些车辆的折旧率不止这么多。
 
CBB的编辑和研究副总裁墨菲(Brian Murphy)称,这有点像雪花现象,因为每辆车的车龄都不同,因此,实际上这只关乎供需情况,即有多少二手车要出售,以及市场需求量是多少。
 
例如,一辆趋向于加入租赁车队的小型轿车的贬值速度,要远远快于使用多年的货车,这是因为待售的小型轿车数量要远远多于二手货车。
 
此外,一些二手车可能还会面对同品牌新车型的竞争,因为这些新车型在上市时常常会进行大促销,并且可以零利率购买。
 
汽车保护协会(Automobile Protection Association,简称APA)总裁George Iny表示,现在在经销商处购买二手车时,需要以5%到6%的利率在银行贷款。因此,购买二手车的利息总额将高达$4,000-$6,000元,而购买新车型利息为零。
 
CBB每年都会基于四年车龄的车辆评估汽车的保值率,也就是某款车型在使用一段时间后卖出的价格与先前购买价格的比值,然后奖励保值率最高的车辆。


 
目前,汽车保值率的行业平均值为52%,这意味着新车购买四年后的售价能达到购买价格的52%。相比之下,保值率最高的车辆往往是小货车,购买四年后的二手小货车保值率仍能达到73%。保持率最低的车辆往往是豪华车型,它们的平均保值率为37%。
 
此外,不同品牌的汽车保值率也相差很大。
 
墨菲称,丰田(Toyota)车型一直都是傲视群雄,它们的质量、可靠性和耐用性有口皆碑。丰田汽车出租的不多,待售的不多,公司的促销措施也很有节制。
 
尽管CBB没有提供具体车型的折旧率,但最保值的车型中包括丰田Tacoma和吉普(Jeep)Wrangler。这两款车型上路第一年只会贬值5%到6%,都属于统计离群值。

Unhaggle网站的Tai称,如果你购买二手车,通常可以省下不少钱,但是,你可能无法拥有新车配备的全套配件。


 
Tai称,如果你打算购买一辆全新的奥迪(Audi)A4,那花同样的钱可能就能买到一辆二手奥迪A6,但是,因为汽车技术一直在迅速发展,因此两三年前的旧车型可能没有你想要的新技术,比如Apple CarPlay,Android Auto或车道偏移警示系统等安全功能。
 
即便你是贷款买二手车,也仍有可能比购买新车花费少,但是,从中节省下来的钱可能不会像你想象得那么多。
 
APA的Iny称,购买二手车是明智的选择,因为你可以减少初期支出。但是,如果你是用长期贷款购买二手车,那就需要支付高昂的利息,并且可能会因此消耗你的大量积蓄。



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