Vehicle Finance. Provincial Exam Questions
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1 Vehicle Finance Provincial Exam Questions
2 3 Marks ( Tom decides to buy a new car in Manitoba for $ He adds a tow package to the car for $3000. The freight is $650. The dealership gives him $ for his old car. 118 Calculate the cost, including taxes, of purchasing the new vehicle o os- 0 Essential Mathematics: Student.Backet (January 2014) 15
3 4 Marks 14. Mary borrows $ from her bank to purchase a car. The bank offers her an interest rate of 6.75% for 4 years. Monthly Vehicle Loan Payments r 1000 borrand Interest Years to Repay Loan Rate (%) sea A) Calculatp the monthly payment. (2 marks) 119 y Lly... ;)1.10 B) CM/mints the total amount of interest paid over the life of the loan. (2 marks) Essendat Mathematics: Solent Booklet (January 2014)
4 2 Marks 15. Dallas needs a vehicle to get to work. He has decided which vehicle he wants. State two (2) advantages of buying the vehicle, rather than leasing it oviki :qt tett-o-i e4 evt.e dente, t-- -1 n w( et ast i MarkS 0 q 16. Tom's vehicle uses 12.8 L of fuel for every 100 km driven. The cost of fuel is $120)litre. Calculate the cost of fuel for Tom to drive 3000 km c3g(fl 2,a Essential Mathematics: Student Booklet (January 2014). 17
5 4 Marks Robert took his vehicle in for servicing at a Manitoba dealership. The dealership charged $90 per hour for labour. The servicing took 1.5 hours to complete. Two (2) windshield wipers were replaced at a cost of $12 each. four (4) winter tires were put on at a cost of $120 each. enlculate the total cost, including tax, of the servicing. 123 Pa'vb K II 1/4/, 'ciao = c4zike itc 90 -sq/3s/ g (0 3? 14-te./214 k Marks State two (2) factors that determine the cost of vehicle insurance in Manitoba. t/5 cc pt al) int ( Gil fuv pact- ) p kasurt 4 atmou,at ate614cirae. / 3r, (aril tie3 /44A. 124
6 1 Mark 19. Tammy drives her car 20 kilometres to work each day. State the type of insurance policy - Tammy will need for proper coverage $ 7. John wants to lease a vehicle for 3 years. The monthly lease payment is $650. A down payment of $5000 is required. All taxes are included in the payments. A) Calculate the total cost of the lease. (2 marks) 109 3ou 0 (5c B) -John decides to purchase the vehicle at the end of the lease. The initial value of the vehicle was $ including taxes. Its residual value after 3 years is 45%. Calculate the total amount he will pay for the vehicle. (2 marks) o x.11:2,o 2So 7*at---a2a 'Mu 110
7 2.Marks Describe one benefit of buying a new vehicle and one benefit of buying a used vehicle. -: ' nit" Of buying' OS :;9# eiticie - :: -...:;:..'. 3qnet of buyingiliaid vehicle.5: F;;':..3 4., ida r ronitt 40 C Jouk GE Cl pt-e,utria ow lotikr-- iv) 4 col ci cfri d_atm.eic.... 6, fointr prttt 46N. savv-ft. me f-i-tia_. cif s kw, tatit er her' 1,-1 elf- (---Lizsi Ill P " 2 9 The odometer reads km before Seth leaves for a trip. After using 73.2 L of fuel, the odometer reads km. Determine the fuel efficiency of his vehicle in 1J100 km. go-co ic 92-V 5-94nek C kki Lgt 3 1- /in) h`v%
8 4 Marks 10. Brian bought a car valued at $ It depreciates at 20% per year. Complete the table to find the value of the vehicle after 2 years. 113 Year Vehicle Value Depreciation Amount Year-end Value of Vehicle 1 $ Pc 12-o $0228E4' se& Joe borrows $ at 7% over 5 years to purchase a car. Monthly Vehicle Loan Payments per $1000 borrowed Interest Yeara to Repay Loan Rate (%) Marks A) Calculate his monthly payment (2 marks) 14 los, /946 t: / 0 -Z3 -Z) 33/, S e- as r m it_. B) State the amount of interest paid in the first month. (1 mark) 115 pi, igis-d 7% _-_- atn th K A.D7 17 7/
9 1 Mark 12. Choose the letter that best completes the statement below. 116 When insuring a vehicle in Manitoba, the factor that affects your premium a) your education b) where you live c) your gender d) the insurance agent you purchase from e) your age Answer b 12. Tyson has a job that requires a vehicle for out-of-town travel On average, he drives at least 3000 Imi per month. State one advantage and one disadvantage of leasing a vehicle. Ca/14 o&-c- (..0 a g e_ pai PIA-LA S 2 Marks 116 4c et- List CI 4-t.e s c 4-41,-4-n-ta.- 41;f-erect v 1,c. eje. A is tictu knpl )51- ov ktilaka? Prcttcr-r Et Pen4-Sti 13. Shannon lives in Manitoba and is going to buy her neighbour's car for $6500. The neighbour is paying for the safety inspection and the lien search. The book value for the car is $8000. Calculate the total cost to purchase the car after taxes. it tral Cat' 6 SO ± Fs 1/40 li/v 0 Essential teethe/nada: Student Baildet (January 2015) 111
10 Bonnie wishes to buy a new vehicle from a Manitoba dealership for $ before taies. She has $5000 saved for a down payment. 4 Marks 118 A) Calculate the amount Bonnie needs to borrow to purchase the vehicle. (2 marks) 1-ra--E4 4,200 x I/3 V g3o clat.v vt fiatpr-t,?/31k t 4arniti B) Bonnie can get a loan for 4 years at 5.5%. Calculate the amount of interest in the first month's payment. (2 marks) 119 r 1-> p, c.c f -z-0,c6c r 0 i v blocs"- t -- i ni c l_ 4 IP D' A car travels 2400 km and consumes 200 L of fuel. Calculate the fuel economy in L/100 km for the car. no y 0-0,2 5i 0 O.?.33 b kfriel 16 Essential Mathematics: Student Booldet (January 2015)
11 2M 16. Frank has been leasing his pickup tuck for the last 3 years. He has made a total of $ in payments; which included a down payment of $ Calculate Frank's monthly lease payments. /4 o s-o a hum 'Ay eptat-t in 2 6 m par 3 pes -3/0 porn 4k,*3 sals 1 2c Sam has been involved in a car accident. Explain if this will affect the cost of his Manitoba vehicle insurance. V S a ;r ea-at (7-4-a wi7/ _ A isto I 1-0."-e- Ai-r r 122 (1., 18. A brand new car cost $ after axes. It will depreciate 15% in the first year. Calculate the value of the car after the first year. Do POO i 0, ISM= a 123 2tortn c/02-9` 02 7 rb theba ak& 4671.
12 2 Marks 19. Sylvie takes her car in for a seasonal maintenance checkup at a Manitoba dealership. In addition to the basic $60 fee, Sylvie gets an oil change for $50, and a new set of brake pads for $80. The mechanic spends 1.5 hours working on the vehicle at a rate of $90 per hour. 124 Calculate Sylvie's total bill, after taxes. f tfi) ( La D PAL5 1,C r_ 2 Marks Qpi. 12. Describe 2 disadvantages of leasing a new car. 120 at 7114/1 tili/1 legy- few S. 2o coo by. Otteruieti yo-ut ea3 treic mac I Hivret a-77 6t 7 0A Ar-ci Lapc At- Cc-r e k t:lot 'IL re 4 1- rtle
13 . 13. Carter is purchasing a new vehicle for $27 800, after taxes. He makes a down payment of $3000. The bank offers financing for 5 years at ante of 6.25%. 5 il eac 1, t,to..... Monthly Vehicle Loan Payments. per $1008 borrovaid Interest Years to Repay Loan Rata (%) / A) Calculate the monthly payment (3 maks) 22) = 071-/900 / 6" B) Calculate the total paid for the vehicle by the end of thp twar tprm (1 marir qt( Coo nonr W, 31, en go-,014-ite r e mindi t 2 Marks A previously leased vehicle with an original value of $ is for sale at a Manitoba dealership. The residual value is 58%. Calculate the total cost to buy the vehicle, after taxes. 12, 3" oic8 /0 01 gligitt St 3O r // 993, Jae,
14 3 Marks 15. Paige is planning to go on a 3000 km road trip. She owns a truck and a car. The truck uses 8.5 L of fuel per 100 km. The car uses 6 L of fuel per 100 km. A) State which vehicle Paige should use if the wants to get the best fuel economy. (1 mark) 124 B) State the number of litres used during the trip by the vehicle selected in Part A. (1 mark) 125 3a" St) x L /80 L /00 C) State the total cost of fuel for the trip if gas costs $1.23/L. (1 mark) 126 WO L )( si.23 $:22/. 'Jo Essential Mathematics: Student Booklet (June 2015) 15
15 3 Marks 16. Daarae is purchasing a vehicle in Manitoba through a private sak for $ A lien search was done for $18. The book value of the vehicle is listed as $ Desarae has a safety check performed for $40. Calculate the total cost of purchasing the vehicle after taxes ushig the table below. 127 Picn 1 50' D 40 p'r q 0 1 g t 51 Y \. 2 Marks 17. Bill had his vehicle's exhaust system repaired at a Manitoba dealership. Labour charges were $110 per hour. The cost of the exhaust system parts were: converter $350, thriftier $120, and exhaust pipe $80. The job required 1.5 hours of labour to complete. 128 Calculate the total cost of the repairs, after taxes. Cont( ;so me 1".sc-D 1 )6v-t- /or st I/0 es In Tbi>if
16 l8. 2 Marks State 2 factors that affect the cost of vehicle insurance preminms other than driving record, traffic tickets, and at-fault accidents. 129 L/see u-efellea oftdu 141(t r taczam (4) fivma) 19. A car collector owns a vehicle worth $ The vehicle depreciates 20% per year. Calculate the value of the vehicle after the first year. 37, c o o x_ 0,2-0 1 co 0 ASS :yr (c-od 7,(1" SO 41 Offb 0-Let_ et& p.-g p--eic 13. State 2 advantages and 2 disadvantages of buying a used car rather than buying a similar new car. 1. Advantages C ke t.6 " i cq. vk Jae ektafe L2 IASA-a- _ 1, a-,01 (Atte C ( 0-7 l WI 1 el SIS 0 Disadvantages 1. 4 ryt ort pt ;5( ruoc L -I c LI az uti a rtr c ottla ( f_ ic,vucciti Lnti ce r l re/v-,- 14 Essential Mathematics: Student Booklet (January 2016)
17 2 Marks 14. Mark wants to buy a new truck worth $ The dealership offers him a trade-in value of $3500 for his used car. Calculate the purchase price of the new truck after taxes. 1 IR = X id 42 kt-g State 1 way to decrease the total amount paid to finance the car you have decided to buy. i WC" s (Latin ()etc? yri #4 cla eet_d t ae_4e wt. di 3 Marks 1l9 bah 6. Nancy is purchasing a new vehicle for $ after taxes at 4.5% for 5 years. Monthly Vehicle Loan Payments per $1000 borrowed Interest Years to Repay Loan Rate (%) A A) Calculate Nancy's monthly payment (2 marks) 12G a Soo x it PI, / B) At another financial institution Nancy is offered a loan with a monthly payment of $400 for 7 years. Justify which option Nancy should choose. (1 mark) 4.1/51- (o n paid.15 rit ovia L7f 6--C7 wj- s 12i
18 17. On average, the fuel economy of Jasmine's vehicle is 8.5 I/100 km. In the past month, Jasmine has travelled a total of 2800 km. 3 Marks A) Calculate the total litres of gas Jasmine's vehicle used for the month based on the average fuel economy. (2 marks) B) State the total cost of fuel used if it costs $1.23 per litre. (1 mark) ").3 3 z3 1 Mark 0 " Choose the letter that best completes the statement below. When insuring a vehicle in Manitoba, the factor that does not affect your premium is: a) your driving record b) your gender c) the type of vehicle cl) the use of vehicle Answer: Essential Mathematics: Student Booklet (January 2016) 19
19 4 Marks 19. Bryan's 20-year-old vehicle has broken down. He therefore pushes it into a repair shop in Manitoba. His car needs to have the radiator ($500) and timing belt ($450) replaced. The labour cost is $120 per hour and it takes 4 hours to repair his vehicle. Calculate how much it costs to have his vehicle repaired after taxes. fl 3O 2 Marks 13. Omar buys anew car with a base price of $ and purchases the following options: 117 Navigation system: $1000 Sound system: $800 Calculate the cost, after taxes, of purchasing the new vehicle if he receives $3000 for his trade-in. 2 3 L o c 14 Essential Mathematics: Student Booldet (June 2016)
20 1 Mark 14. State 1 disadvantage of buying a used vehicle f 4 / 1/11 I t if 1 LI Jt.CL-14 ' C ci 17, ctri-c-ll,/ L711 l.),;24, 62,4 C 2 Marks 15. Michel is purchasing a new vehicle. The price of the vehicle is $ and it will depreciate 20% in the first year. 119 Calculate the value of the vehicle after the first year. L2) x 0, 2c Marks 0 it 16. Manhatten is considering leasing a vehicle for her courier company. State 2 reasons why she should not lease a vehicle. Note: Place one response per line. 120 Reason 1: C ' Reason 2: )7 7. t, fi O'ver - it\ Essential Mathematics: Student Booklet (June 2016) 17
21 3 Marks (D The fuel economy of Gina's vehicle is 7 IJ100 km. She is planning to drive her vehicle from Winnipeg to Toronto, a distance of 2230 kilometres. A) Determine the total amount of fuel in litres required for the trip. (2 marks) 121 B) Determine the cost of the trip if the fuel price is $1.30/L. (1 mark) 132 4,20a2, Essential Mathematics: Student Booldet ()une 2016)
22 4 Marks 18. Alicia is purchasing a new vehicle for $24 000, after taxes. She is financing the vehicle for 4% over 5 years. Monthly Vehicle Loan Payments per $1000 borrowed Interest Years to Repay Loan Rate (%) A) Calculate Alicia's monthly vehicle payment. (2 marks) 123 B) Calculate the total amount of interest she will pay over the 5 years (2 marks) 124.2t5 Essential Mathematics: Student Booklet (June 2016) 19
23 2 Marks,019. Julie is moving from rural Manitoba to Winnipeg for her job. Her insurance broker told her 1$ that it will now be more expensive to insure her car. A) State why Julie's premiums will increase. (I mark) 125 / ) r ) B) Julie retires from her job and wants to continue driving her car. State what she can do to decrease her premiums. (1 mark) 126 LkI Question 13 2 marks 1:1. State 2 costs of operating a vehicle, other than car payments and car insurance. Place one response per line. 1. f ur- wi a, r 1/1 al, tit_ ( ) > 0 4 r.5 ) ILL tid 44) c. Essential mathematics: Student Booklet (January 2017) 13
24 Question 14 3 rflorks Izzy wants to buy a new car with a base price of $ before taxes. She wants the following options worth $2450 before taxes: leather seats, sunroof, and chrome wheels. A) State the sticker price of the car. (1 mark) B) Tny has a car to trade-in worth $ Calculate the total cost of the car after taxes. (2 marks) / Essential Mathematics: Student Booklet (January 2017)
25 \1D. Question 15 3 marks Barry wants to lease a new car valued at $ before taxes. The payment for the car is $340 per month plus taxes for a 4-year lease with a down payment of $2000. A) Calculate the total cost for leasing this car. (2 marks),2 o B) State the residual value of the car before taxes using a 40% residual rate. (1 mark) h Essential Mathematics: Studait Booklet (January 2017) 15
26 Emily brought her vehicle into a service centre in Manitoba for a tune-up. The tune-up included the following items: Item Details Cost Replace windshield wipers 2 wipers $12 per wiper Oil change 4 L oil $3 per litre 1 filter $22 per filter Labour 2.5 hours $110 per hour Calculate the total cost of the tune-up after taxes. Question 17 2 marks Zoe's vehicle uses 7.6 L of fuel for every 100 km driven. The cost of fuel is $1.05/litre, including taxes. Calculate the cost of fuel for Zoe to drive her vehicle 2000 km. Essential Mathematics: Student Booklet (January 2017) 17
27 Question 18 I mark 135 Choose the letter that best completes the sentence below. When purchasing car insurance, third party liability is the a) amount you pay every year for insurance I,) amount you pay for extra coverage against damage to another person or their property c) one-time lump sum payment you pay to the insurance company when you first buy the car d) count of the insurance claim you must pay when you are at fault for causing an accident Answer: Question 19 2 marks A) A car worth $ depreciates 30% in the first year. State the depreciation amount after the first year. (I mark) / B) The same car depreciates 20% in the second year. State the amount the car depreciated in the second year. (1 mark) p ce #0,2o1.3ou < v 0, 2_ :.-- Yo6o Q4. Essential Mathematics: Student Booldet (January 2017) 19
28 Question 13 2 marks A car has a value of $ It depreciates at a rate of 20% per year. Calculate the value of the car at the end of 2 years. V 6i A uestion 14 4 marks Saar wants to buy a new car for $ after taxes. He gets a 4-year loan at an annual interest rate of 6.75%. A) Calculate the amount of interest paid for the first month. (2 marks) Ci (27 B) Saar's monthly car payment is $ Calculate the amount of interest paid over the life of the loan. (2 marks) 14 Essential Mathematics: Student Booklet (June 2017)
29 Question 15 4 marks! IS Jersey wants to buy a used car from her friend, Jack. The price of the car is $7000. She needs to fix a few things on the car. Repairs Total Cost New Tires $500 Engine Tune-Up $110 The book value of the car is $5000. She needs to get a lien search worth $18 and a $40 safety inspection before taxes. Calculate the total tax she will pay for this car. S t h fic4 tilt' - Question 16 I mark Ii') A retired couple drives 500 km each month to go to the dog park, the grocery store, and the mall. State the type of car insurance policy their agent would recommend. p1,p ti a-444x_. 16 Essential Mathematics: Student Booklet (June 2017)
30 Question 17 2 marks Mabon was told by a dealership that his new car would use 5.5 L of fuel for every 100 km driven. In reality, the car is using 8 L of fuel for every 100 km he drives. Calculate how much more fuel is used than expected if he drives 1500 km. Question 18 1 mark 12 Choose the letter that best completes the statement below. Your car insurance premium is not affected by: A) moving to the city from the country B) changing the amount of deductible C) being in a demerit position on the Driver Safety Rating scale (DSR) D) changing the type of insurance Answer: 18 Essential Mathematics: Student Booklet (June 2017)
31 . r S1 Question 19 3 marks "- i23 Jonas is purchasing a car. The following table shows the various details of his purchase. Value of Car $ Number of Payments 48 Tax $2990 Amount Borrowed $ Down Payment $3000 Cost of Financing $1840 A) Calculate the total cost of the car after taxes and financing. (2 marks) B) Jonas paid a total of $ in monthly car payments. State the amount he paid each month. (1 mark) /I. a... Question 20 2 marks 124 Wilma needs to get one of her car's headlights replaced. The headlight will cost $200 It will take 1.5 hours of labour to replace the headlight at a rate of S90 an hour. Calculate the total cost, after taxes; of replacing the headlight a PA,M t'1) S
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c, V' 19 -e, sk ,--- 1-C" cc.+1,7. ir\i-,a ( ( j -I-k. Essential Math 12 -Vehicle Finance Sample Exam Questions
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