your question doesn't include information about discount rate and repayment of loan so my answer include following assumptions
-repayment of principle of loan is 12500 every year end
1st option borrow and buy
step 1 calculations of interest
yr. int
1. 3000 ( 50000*6%)
2. 2250 ( 37500*6%)
3. 1500 ( 25000*6%)
4. 750. (12500*6%)
TOTAL. 7500
step 2 calculations of total outflow
int. (7500)
loan repayment (50000)
scarp value. 26000
Total. 31500
option 2
calculations of equal monthly lease payment
total outflow of option 1 - down payment
31500-4000=27500
therefore monthly = 27500/48
=573
note :- my answer ignore the discount factor if you have then put the formula of discount factor the logic will remain same
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