因为出于安全考虑和对北欧/国产电动车的信任（其实主要是怀孕期间事情太多，完全没精力深入调查），把决赛名单就定在Volve的电动车里。Volve总共也没几款车，于是又极大的帮助我们减少了research burden 🙂
Falls Church的dealer感觉有点冷清，去的当天居然就可以试驾。我们感受了一下EX30还有XC60的PHEV版本，感觉EX30动力系统简直太丝滑了，硬伤就是车后备箱太小，感觉把stroller放进去勉勉强强，旁边可以顶多可以再严丝合缝地塞下一个bassinet，没什么其他空间了。
XC60就大了很多（为什么不做中间款呢！），大到我觉得只有买360 度camera的plus版我才能放心倒车停车。但是PHEV的动力还是没有BEV丝滑，目前的决定是先搞个XC60，之后马上出EX60可以再trade in.
通过深入了解购车，发现这个市场车价数据真的是不太靠谱。比如说BEV目前又2.9 %APR的优惠，PHEV则没有，一下子利率得到6.6%，就算MSRP都一样，这interest cost里里外外也差出来很多。而且目前还有不少EV owner走的是leasing，不知道这个在数据统计里面是怎么算的。
保险EV，PHEV，ICE之间也据说有很大差别，而且这个只能自己拿着VIN number去找人quote才能知道具体型号的差别。
不过目前我们主要想考虑的是到底是leasing还是financing。两个option: 2024 pre-owned XC60走financing，或者26 XC60全新走leasing，leasing只能用在最新款，于是financing还有着一层优点在。
计算如下：
Car overview
- Car: 2024 Volvo XC60 Recharge
- Purchase year: 2026
- Mileage at purchase: 30,000 miles
- Your driving: 5,000 miles/year
- Purchase price: $45,000
- Financing: 6.6% APR, 72 months
- Monthly payment using annuity formula≈$758.59
Estimated Value After by sales year
| Sale Year | Est. Value | Depreciation |
|---|---|---|
| 2028 | ~$27.5k | ~$17.5k |
| 2029 | ~$22.5k | ~$22.5k |
| 2032 | ~$15.5k | ~$29.5k |
Left over equity when sold
Remaining loan balance after k months: $Bₖ = P(1+r)^k − M × [ ((1+r)^k − 1) / r ]$
After 24 Months (2 Years)
- Total paid: $758.59 × 24 ≈ $18,206.19
- Remaining balance: ≈ $31,925.76
- Principal paid: 45,000 − 31,925.76 = $13,074.24
- Interest paid: 18,206.19 − 13,074.24 = $5,131.95
After 36 Months (3 Years)
- Total paid: $758.59 × 36 ≈ $27,309.28
- Remaining balance: ≈ $24,714.21
- Principal paid: 45,000 − 24,714.21 = $20,285.79
- Interest paid: 27,309.28 − 20,285.79 = $7,023.49
After 72 Months (6 Years)
- Total paid: $758.59 × 72 ≈ $54,618.57
- Remaining balance: $0
- Total interest: 54,618.57 − 45,000 = $9,618.57
If to sell the car
Equity formula: Equity = Sale Price − Loan Balance
- If equity is positive → receive money
- If equity is negative → pay the difference
Final result
| Strategy | Effective Monthly Cost |
|---|---|
| Finance + sell (24 mo) | ~$700 |
| Finance + sell (36 mo) | ~$650 |
| Finance + keep 6 yrs | ~$540 |
| Lease (36 mo) | $1,119 (Quote from the dealer) |
| Lease (24 mo) | $1,527 (Quote from the dealer) |
当然，这两个也不算是apple to apple comparison，毕竟一个24款一个26款，但是对我们的需求来说差异不大。
这么一看感觉还是financing合适很多。