j'avais une question concernant le leasing long term aux USA.
En effet je m'installe aux USA en tant qu'expatrié à partir du 1er juin. j'ai actuellement quelques difficultés à vendre ma voiture avnt de partir la bas.
je commence donc a me poser la question de faire un leasing long terme afin de ne pas avoir se desagrement au moment de rentrer.
Quels sont les autres avantages du leasing par rapport à l'achat d'une voiture aux USA ?? (pret, entretien, ...)
Avez vous deja eu recours à ce type d'acquisition aux USA ou autre part dans le monde ?
Bonjour Guillaume,
personnellement je te deconseille le leasing. C'est rentable, seulement si tu restes vraiment longtemps et tu aimes changer de voiture souvent. Le leasing a la base c'est une voiture neuve que tu devras entretenir comme si elle etait a toi, tu auras l'obligation de prendre une assurance tous risques qui peut etre + ou - chere dependant de ton age et de la region ou tu es. Les contrats sont en general de 2 ans au bout duquel tu as l'option d'acheter la voiture a prix reduit (pas tant que ca) ou de l'echanger pour un nouveau modele. C'est en quelques sortes une location un peu plus elaboree. J'avais fait ca pour mon fils il y a quelques annees et je l'ai beaucoup regrette car a mon avis c'est une arnaque. Si tu repars tu seras de toutes facon dans le meme cas que si tu avais achete une voiture, il te faudra trouver un acheteur pret a payer le montant requis par la companie de leasing pour te sortir du contrat. (en plus, n'ayant aucun "credit record" et etant etranger, pour le financement tu auras des problemes) Donc tu as meilleur temps a te trouver une tire sympa, t'assurer au tiers cela te reviendras moins cher. Dans quel Etat vas tu t'installer?
Florence
merci pour ces infos. je vais rester aux USA 3 ans dans l'état de Pennsylvanie (Bethlehem). en fait j'ai pensé à cette solution pour plusieurs raisons :
1) pas de credit history pour faire un pret aux USA
2) si je fait un pret en france, il va falloir que je transfert l'argent ici, puis pour les remboursements, il faudra que je fasse des virements mensuels dans l'autre sens, avec cout de transfert, change... etc...
3) c'est une question pour toi : est ce que le leasing inclus l'entretien de la voiture, genre panne, vidange ?? si oui, c'est pas mal, et pas de surcout non prévu.
sinon concernant l'arret du contrat, peu tu me dire plus de details sur ce sujet,
Bonjour🙂 Guillaume
Pour le pret aux US, ca depend de la compagnie ou tu passes pour le credit. Pour les nouvelles bagnoles (en leasing, c'est toujours du neuf) si c'est le vendeur qui finance, il n'y a pas de credit history, mais si ca passe par une companie separee telle GMAC if font une recherche.
Question entretien, tout est a ta charge donc pas d'economie de ce cote. Tu as meilleur temps a trouve une voiture d'occase chez un vendeur local qui dans sa pub mentionne "no credit check" .
Un autre petit inconvenient, quand il ne font pas de recherche pour tes antecedents, c'est le taux d'interet qui sera plus eleve.😠
Pour ce qui est du contrat, c'est un peu comme un contrat location/vente, tu es tenu a acheter la tire ou a l'echanger a la fin du contrat. Les gens qui font du leasing sont en general des personnes qui aiment avoir le nouveau modele d'un vehicule et la securite du neuf en permanence. Je ne sais pas de facon sure si tu peux terminer le contrat avant terme, mais en tout etat de cause, si c'est la companie qui te reprend la voiture, tu auras des frais. Donnes moi un jour ou deux, je passerais chez le dealer pour plus amples infos et te laisserais savoir. Depuis mon experience, ca a peut etre change. Florence😏
je vais aussi me renseigner de mon coté. avant de m'instaler debut juin, je vais faire un AR sur place dans 2 semaines. j'aurais donc l'occasion de me rendre compte sur place. as tu des noms de société ou banque qui font des prets sans credit history ? quels sont les taux d'interet en vigueur pour ce genre de credit ?
Bonjour Guillaume,
je suis passee a la banque ce matin ou ils m'ont informee que sans credit check et history, cela les etonnerait que tu puisses obtenir un pret. Je suis egalement passee chez le marchand de voiture qui m'a dit la meme chose.
Pour ce qui concerne le leasing, a la fin du contrat il n'y a aucune obligation, tu laisses la voiture, les extras a payer c'est si tu as excede le kilometrage aloue pour la duree du contrat, donc la c'est bon, pas de soucis de revente. Par contre pour le pret, la meilleure solution c'est si tu avais quelqu'un de local (ami, quelqu'un au boulot...) qui peut cosigner auquel cas le pret est base sur ses references. En tout etat de causes, il te faudra passer le permis de conduire americain avant d'acheter la voiture. J'espere que ces renseignements te seront utiles. Si tu fais un voyage de reconnaissance, c'est encore ce qu'il y a de mieux.
Florence
merci Florence de t'etre deplacé pour avoir ces infos, c'est bien sympa.
je verrais tous cela la semaine prochaine, ça fera partie de ma liste : appartement, banque, secu sociale, boulot, voiture ....
pour le credit history, je verrais avec les collegues de ma boite pour savoir comment ils ont fait (ils y a d'autres expat sur place), et avec cela j'aurais surement la meilleure solution.
voila je viens de rentré de ma semaine au US, en ce qui concerne l'achat d'une voiture pour un européen sans credit history : payer CASH !!
il n'y a pas d'autre moyen, mais ce qui est interressant, c'est que les vendeurs sont trés interressé par l'achat cash alors il y a moyen des trés bien negocier le prix. Mes collegues on réussi à avoir des rabais allant jusqu'a 2000$ sur un SUV à 10000$.
Bonjour Guillaume,
je ne suis pas surprise de ce que tu me dis, mais en effet si tu as le cash, ici il y a encore moyen de faire des affaires.
Je m'apprette a partir pour la France dans 10 jours pour 2 mois pour etre avec mon pere mais a mon retour aux US si tu veux communiquer, cela me fera plaisir. Je suis relativement loin ( ici la notion des distances est differentes) mais je bouges pas mal, donc comme on dit "on ne sait jamais" le monde est petit, peut etre nos chemin se croiseront. Amities, Florence😏
ce topic a plus d'un an, mais les informations sur le leasing m'intéressent car je n'ai que 3000$ pour m acheter une voiture. Ayant l'intention de visiter, je voudrais un véhicule qui tienne la route...
pourriez vous m en dire plus, je viens d arriver en Floride, je dois acheter une voiture avant mi septembre, car c'est indispensable ici.
La Floride? Dommage. Nous on va vendre la nôtre d'ici au 23 septembre, mais à Denver. Et on va tenter à 5500$. Mais ce n'est pas la rubrique petites annonces. Peut-être vais-je me faire sortir...
Enfin, si un road trip Denver-Floride t'intéresse...
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