Leasing options for apple computers
I have been debating whether to buy a new Mac Pro or do the Apple business lease for a few weeks now.
Last week I finally pulled the trigger and called the number listed on the Apple site and spoke with a really nice guy who connected me with Direct Capital the company that handles the business leases for Apple equipment. In other words 24, or 36 month lease, or the option of 2 payments to buy the Mac Pro out right.
Now, here is where things started to fall apart.
A lease as I understand it, at least with the lease on my car pays down the deprecated value of the item over the length of the lease. In the case of my car, the face value to buy was 25k. The guaranteed residual value that VW has written into my contract is 19k. At the end of 36 months, if I want to buy my car, I must renegotiate a new loan with VW, or pay cash for the 19k residual amount.
Lets do a little math. I could save close to a grand if the lease is structured with the hardware maintaining some residual value. Then there is the end of lease agreement.
Like a car, when you turn the item in, there is a processing fee that gets billed to you. The leasing company uses this as an incentive to get you to roll into a new car, computer, or other item that they offer.
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The objective is to get you to lease a new item, continue to pay them and stick with their program. To do this they often wave the end of lease fees, and other associated costs.
So, at this point I called my accountant and asked him for some sage advice on the matter. This is what he told me. Pay it off before the end of the interest terms are reached, and when you need a new computer, sell the old one and use that cost to offset the purchase of the new system.
My accountant likes to talk. You get his point though, and so do I. Enter your email address to subscribe to this blog and receive notifications of new posts by email.
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