Complete all of the questions, don't forget to show your work where necessary.

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1 Name: Vehicle Finance - 40S Essentials Complete all of the questions, don't forget to show your work where necessary. 1. The total cost of purchasing a new vehicle is $31,743 plus PST and GST. Terri is buying the vehicle with a $3,500 down payment and a loan to cover the balance. The interest rate is 9.25% for 4 years. a) Determine the amount of the loan. b) What is the amount of each monthly payment? c) What is the total cost of buying the vehicle? d) How much would she have saved if she had shopped around and found a bank that would give her a three-year loan at 9%. e) If she had shopped around and taken the loan in question d), how much would her monthly payments have increased? 1

2 2. Joey purchased a vehicle from a private seller for $15,690. Joey does a lien search for $25 and asks a mechanic to do a diagnostic test for $55. The mechanic tells him that the car needs some engine work that will cost $800 including labour. The book value of the car is $16,500. Joey also needs to get a safety done on the vehicle before he can register it. The safety costs $45. How much will this car cost Joey? 3. Ted wants to buy a new pick up truck priced at $42,699 plus PST and GST. His current truck has a trade-in value of $12,000. What is the total cost of the truck if Ted has $5,000 for the down payment and takes out a 2 year loan at 6.5% for the balance? What is the value of each monthly payment? 4. An extended cab truck leases for $359 per month plus taxes for a lease term of 36 months. A down payment of $4,000 is required. Calculate the total amount paid on the lease. 2

3 5. The extended cab truck if question #3 has a sale price of $38,000. The residual value is 70% of the sale price plus taxes. a) Calculate the residual value b) Calculate the total cost of the truck is purchased outright at the end of the lease. 6. Ali is planning to lease a two-door sedan that sells for $18,900 plus taxes. the monthly lease payment is $227 plus taxes for a term of 2 years. A down payment of $2,000 is required. At the end of the lease, Ali plans to finance the residual value at 7% for 3 years. The residual value is 55% of the purchase price of the sedan plus taxes. a) Calculate the total cost of the 2 year lease. b) Calculate the total cost to finance the residual value of the sedan. c) Calculate the total amount Ali will have spent on the sedan including the lease costs, the financing costs and the down payment. 3

4 7. The Ford family is planning a driving vacation of a distance of 5,000 km. The family has two vehicles, a sedan and an SUV. The fuel consumption for the design is 8.8 L/ 100km and for the SUV is 12.7 L/100 km. The family estimates that the cost of gasoline during their vacation will be $1.11 per litre. a) Calculate the cost of gasoline required by the sedan. b) Calculate the cost of gasoline required by the SUV. c) Which vehicle is less expensive to drive on the vacation and by how much? d) What other factors might the Ford family consider when deciding which vehicle to take on their vacation? 4

5 8. Sam takes his car in for regular service and the technician discovers the radiator hose needs to be replaced. The servicing of the vehicle requires three litres of our at $5.66 per litre, an oil filter for $11.99, and a half litre of washer fluid worth $2.25 per litre. The radiator hoses costs $12.95 and the antifreeze then needs to be topped up at a cost of $1.99 per litre. The vehicle will require 4 litres of antifreeze. The total time required to service the vehicle is 1 hour and 15 minutes. The rate the service station charges for labour is $80 per hour. PST and GST are charged on parts and labour. Find the total cost of servicing and repairing the vehicle. 9. A minivan sells for $34,200 and leases for $348 plus taxes per month for the lease term of 24 months. a down payment of $4,000 is required. The residual value of the minivan is 65% of the selling price and the minivan depreciates at a rate of 20% per year. a) Calculate the value of the depreciated minivan after two years. b) How does the depreciated value of the minivan after two years compare to the residual value at the end of the lease? 5

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