A simple solution: how to drive a new Nissan crossover every year
Most of the buyers of new cars are still acting “in the old manner”, buying a car on credit, and having paid it, they sell a car in three years to get a new one. However, there are those who have already tried out the advantages of leasing programs, thanks to which car ownership is not burdened by service, insurance, taxes or other related expenses, and the car can be changed to a new one every year. Such a program was jointly developed by Major and Nissan. How does it work, and what is the benefit?
Those who are familiar with the leasing scheme can easily guess in the “Simple Solution” program one of these offers. A distinctive feature of the service from Major is regular car renewal: a car rental contract is signed for one year, after which the client can either buy the car on preferential terms or, which is more logical for a leasing scheme, exchange it for a new one.
What is the benefit?
To understand what the benefits of the proposal, it is enough to compare it with a standard car purchase on credit. As an example, take the “average” option: Nissan Qashqai for 1.6 million rubles. The first condition for purchasing it on credit is a down payment in the amount of 450 thousand rubles. Of course, the loan is accompanied by compulsory insurance of collateral: for OSAGO and Casco will have to pay 50 thousand, and another 30 thousand will cost life insurance, which also requires most banks. Little things like floor mats and a set of motorists at the time of purchase on the general background seem imperceptible – however, they will have to spend 5-6 thousand.
Nissan Terrano ‘2016 – present. Nissan Terrano 2016 – present.
So, at the same time paying about 540 thousand, the buyer leaves the dealership. Given the average annual mileage in the first year of owning a car, he will need to go through one MOT, purchase a set of winter tires and change his shoes twice. Taking into account the cost of TO-1 at 12 thousand and decent winter tires, as well as tire fitting and seasonal storage of tires, 60 thousand more will be needed for current maintenance. Add 5 thousand rubles of vehicle tax for a 144-hp car and get almost the full cost of car ownership, not counting the optional “special stages” like the replacement of “music”, seat covers and other things.
Well, the third item of expenditure when buying a car on credit is actually the loan itself. In our conditions, subject to a monthly payment of 37 thousand for the first year, 444 thousand rubles will have to be paid. Adding to this amount the amount of the initial payment, as well as the cost of insurance and car ownership in the first year, we will receive about 1.1 million rubles – and there are still a few years of credit, maintenance, compulsory insurance, and so on.
Nissan X-Trail (T32) ‘2017 – now. Nissan X-Trail (T32) ‘2017 – now.
Against this background, the “Simple Solution” program fully justifies its name. The bottom line is that by choosing a car, it is enough just to arrive at a car dealership with a package of documents, make an advance payment equal to one monthly – and drive a new car. You do not need to insure yourself or the car at your own expense, you do not need to pay for registration, you do not need to pay extra for floor mats and even for THAT: everything is already included in the monthly payment. Considering that the lessor in the face of the leasing scheme is the lessor in the person of Major Profi, it is he who pays the transport tax, insurance and registration. Thus, to leave the salon on the new Nissan Qashqai, in this case, it will take 33.5 thousand rubles – and no unaccounted additional expenses.
The second advantage of leasing is the absence of the need to pay for car maintenance and maintenance: all this is also taken into account in the monthly payment. By purchasing a machine using the “Simple Solution” program, the customer receives “complete” winter tires, free tire fitting and seasonal wheel storage, as well as TO-1. Simply put, it remains only to refuel the car and drive it – everything else has already been taken care of in advance.
But the third plus of the leasing program is that even with the full insurance of the car, its maintenance, maintenance and transport tax, the monthly payment still remains lower than that of the classic loan offers. For our Qashqai for 1.6 million, it amounts to 33.5 thousand rubles. Multiplying it by 12 months and adding an advance payment, we will get 435.5 thousand rubles – these will be the total costs in the first year of ownership of the machine under the “Simple Solution” program.
Nissan Qashqai ‘2017 – present. Nissan Qashqai 2017 – present.
And one more plus: these costs can be significantly lower, because not only Nissan Qashqai, but also other popular crossovers in the face of Terrano and X-Trail participate in the program. At the same time, the monthly payment for a larger Nissan X-Trail is not much different from that calculated above for Qashqai: a crossover in the configuration of SE Yandex will cost 36.5 thousand per month. But the Terrano is noticeably cheaper: the front-wheel-drive car in the Elegance + version will cost only 26 thousand per month, and all-wheel drive – from 28 thousand to a little.