Por Manuel Arroyo
Cuando se trata de arrendamiento (leasing), el costo de depreciación será la mayor parte de su pago mensual.
La depreciación es la diferencia entre lo que vale el vehículo en el momento del arrendamiento y lo que vale al final de su arrendamiento, lo que es llamado “Valor Residual”.
Por lo tanto, tiene sentido arrendar un automóvil con un bajo costo de depreciación, o dicho de otra manera: alto valor residual.
El valor residual se calcula como un porcentaje del MSRP (Precio sugerido por el fabricante).
Cuanto mayor sea el porcentaje, menor será el costo de depreciación durante el alquiler.
Por ejemplo, si un automóvil tiene un MSRP de 30,000 dólares y la empresa de leasing ha calculado un valor residual del 50% después de 36 meses, eso significa que el costo total de depreciación será de $ 15,000.
Es decir, si compra el automóvil en el precio MSRP, cualquier precio que negocie por debajo del MSRP reducirá su costo general de depreciación.
A continuación, encontrará una lista de los vehículos con los valores residuales más altos de 36 meses.
Estos son los vehículos que pagará menos en lo que respecta a la depreciación, y que puede ser mejor alquilar que comprar, especialmente si planea quedarse solo por 3 años y no conducir más de 12,000 millas por año.
El vehículo con el mejor valor residual en este momento es el 2018 Toyota Tacoma, con un valor residual del 74% en 3 años.
Con un MSRP de $ 35,563, eso significa que se depreciará por solo $ 8,559 en 3 años (si tuviera que pagar el MSRP completo).
Tenga en cuenta que los valores residuales son las estimaciones más acertadas, y en ocasiones las compañías de leasing establecen que son más altos de lo que realmente esperan que valga el vehículo, como un incentivo oculto para que los pagos de arrendamiento sean más bajos.
Y a veces, las condiciones del mercado cambian durante el arrendamiento, y el valor real del vehículo termina siendo mucho más bajo que el «cálculo aproximado» residual.
Dado que el valor residual es inamovible, esta es la razón por la que estos vehículos pueden ser una mejor opción de arrendamiento que de compra, especialmente aquellos con residuos superiores al 60%.
Sin embargo, no todos los vehículos con altos valores residuales ofrecen buenas ofertas de arrendamiento, debido a otros factores, como las tasas de interés y otras tarifas.
Para este tipo de ofertas, es mejor comprar el vehículo en lugar de alquilarlo.
Consulte la última columna de la tabla a continuación para ver si es mejor arrendar o comprar el vehículo.
| Posición | Vehículo | Modelo | MSRP* | Pagos del Lease Sin avance | Residual | Es mejor…. |
|---|---|---|---|---|---|---|
| 1 | 2018 Toyota Tacoma | SR 7594 SR 4×4 Double Cab V6 6-Speed Short Bed | $32,918 | $377 | 74.0% | Lease |
| 2 | 2019 Subaru Ascent | 2.4T 8-passenger | $32,970 | $403 | 67.0% | Comprar |
| 3 | 2018 Toyota 4Runner | SR5 | $37,325 | $459 | 66.0% | Comprar |
| 4 | 2018 Toyota Tundra | SR5 | $38,664 | $449 | 65.0% | Lease |
| 5 | 2018 Subaru Crosstrek | 2.0i 6MT | $22,710 | $258 | 63.0% | Lease |
| 6 | 2018 Toyota Sequoia | SR5 | $53,478 | $653 | 62.0% | Comprar |
| 7 | 2018 Subaru Outback | 2.5i | $26,810 | $291 | 62.0% | Lease |
| 8 | 2018 Toyota Highlander | LE | $32,324 | $357 | 62.0% | Lease |
| 9 | 2018 Honda Pilot | 6 Speed 2WD EX-L | $37,755 | $435 | 61.0% | Lease |
| 10 | 2018 BMW 3 Series | 320i Sedan | $38,695 | $451 | 60.0% | Lease |
| 11 | 2018 Honda CR-V | Continuously Variable Transmission 2WD LX | $25,245 | $307 | 60.0% | Comprar |
| 12 | 2018 Subaru Impreza | 2.0i 4D 5MT | $19,355 | $186 | 60.0% | Lease |
| 13 | 2018 Honda Civic Si Sedan | 6 Speed Manual | $24,995 | $289 | 59.0% | Lease |
| 14 | 2018 Honda Fit | Continuously Variable Transmission Sport | $19,195 | $209 | 59.0% | Lease |
| 15 | 2018 Subaru Forester | 2.5i 6MT | $23,710 | $271 | 59.0% | Lease |
| 16 | 2018 BMW X6 | X6 sDrive35i | $65,645 | $812 | 59.0% | Comprar |
| 17 | 2019 Mazda CX-3 | Sport | $21,365 | $258 | 58.0% | Comprar |
| 18 | 2018 Hyundai Santa Fe | SE | $31,830 | $337 | 58.0% | Lease |
| 19 | 2018 Mazda CX-9 | Sport | $33,125 | $375 | 58.0% | Lease |
| 20 | 2018 Mercedes C-Class | C 300 Sedan | $42,495 | $506 | 58.0% | Comprar |
| 21 | 2019 Infiniti QX50 | ESSENTIAL | $44,345 | $471 | 58.0% | Lease |
| 22 | 2018 BMW i3 | BMW i3 | $47,745 | $438 | 58.0% | Lease |
| 23 | 2018 Honda Civic Hatchback | Continuously Variable Transmission LX | $21,845 | $264 | 57.0% | Comprar |
| 24 | 2018 Mercedes CLA | CLA 250 Coupe | $35,495 | $415 | 57.0% | Lease |
| 25 | 2019 Kia Sportage | LX | $24,745 | $306 | 57.0% | Comprar |
| 26 | 2018 Mazda CX-5 | Sport | $25,145 | $258 | 57.0% | Lease |
| 27 | 2018 Acura MDX | 9 Speed | $45,195 | $485 | 57.0% | Lease |
| 28 | 2018 Honda HR-V | Continuously Variable Transmission 2WD LX | $21,465 | $248 | 57.0% | Lease |
| 29 | 2018 Toyota RAV4 Hybrid | XLE Hybrid | $30,540 | $343 | 57.0% | Lease |
| 30 | 2018 Honda Civic Si Coupe | 6 Speed Manual | $24,995 | $289 | 57.0% | Lease |
| 31 | 2018 Nissan Titan | S KC 4×4 | $37,945 | $425 | 57.0% | Lease |
| 32 | 2018 Kia Niro | LX | $24,590 | $287 | 56.0% | Lease |
| 33 | 2018 Toyota RAV4 | LE | $25,654 | $309 | 56.0% | Comprar |
| 34 | 2018 Honda Civic Sedan | Continuously Variable Transmission LX | $20,635 | $245 | 56.0% | Comprar |
| 35 | 2018 Mercedes GLA | GLA 250 SUV | $36,195 | $432 | 56.0% | Comprar |
| 36 | 2018 Nissan Armada | SV 4×2 | $47,695 | $566 | 56.0% | Comprar |
| 37 | 2018 Acura RDX | 6 Speed | $36,995 | $360 | 56.0% | Lease |
| 38 | 2018 Kia Optima | LX | $23,495 | $287 | 56.0% | Comprar |
| 39 | 2018 Subaru WRX | WRX 6MT | $27,855 | $346 | 56.0% | Comprar |
| 40 | 2018 Subaru Legacy | 2.5i | $23,055 | $272 | 55.0% | Comprar |
| 41 | 2019 Kia Sorento | LX | $28,480 | $325 | 55.0% | Lease |
| 42 | 2018 Lincoln Continental | Premiere | $46,155 | $554 | 55.0% | Comprar |
| 43 | 2018 Kia Niro Plug-In Hybrid | LX | $28,840 | $321 | 55.0% | Lease |
| 44 | 2018 Kia Sportage | LX | $24,590 | $287 | 55.0% | Lease |
| 45 | 2018 Toyota Camry Hybrid | Hybrid LE | $28,949 | $345 | 55.0% | Comprar |
| 46 | 2018 Infiniti QX60 | 3.5 | $44,295 | $493 | 55.0% | Lease |
| 47 | 2018 Genesis G80 | NULL | $42,745 | $518 | 55.0% | Comprar |
| 48 | 2019 Acura TLX | 8 Speed Dual-Clutch | $33,995 | $389 | 55.0% | Lease |
| 49 | 2018 Mazda CX-3 | Sport | $21,085 | $239 | 55.0% | Lease |
| 50 | 2018 Hyundai Sonata Hybrid | 4dr Sdn | $26,385 | $321 | 54.0% | Comprar |
| 51 | 2018 Toyota Camry | LE | $25,149 | $309 | 54.0% | Comprar |
| 52 | 2018 Lincoln MKX | Premiere | $39,960 | $474 | 54.0% | Comprar |
| 53 | 2018 Nissan Pathfinder | S AWD | $34,115 | $374 | 54.0% | Lease |
| 54 | 2018 Mazda Mazda6 | Sport | $23,895 | $278 | 54.0% | Lease |
| 55 | 2018 Honda Civic Coupe | Continuously Variable Transmission LX | $21,045 | $245 | 54.0% | Lease |
| 56 | 2018 Lincoln MKC | Premiere | $34,280 | $387 | 54.0% | Lease |
| 57 | 2018 Hyundai Kona | NULL | $22,130 | $260 | 54.0% | Comprar |
| 58 | 2018 Nissan Murano | S | $32,190 | $382 | 53.0% | Comprar |
| 59 | 2018 Hyundai Tucson | NULL | $23,530 | $246 | 53.0% | Lease |
| 60 | 2018 Lincoln MKZ | Premiere | $36,530 | $411 | 53.0% | Lease |
| 61 | 2018 Hyundai Sonata | 4dr Sdn SE | $22,935 | $245 | 53.0% | Lease |
| 62 | 2018 Nissan Rogue | S AWD | $27,560 | $302 | 53.0% | Lease |
| 63 | 2018 Hyundai Ioniq Hybrid | Blue | $23,085 | $278 | 52.0% | Comprar |
| 64 | 2018 Nissan Rogue Sport | S AWD | $24,970 | $271 | 52.0% | Lease |
| 65 | 2018 Toyota C-HR | NULL | $23,495 | $287 | 52.0% | Comprar |
| 66 | 2018 Acura ILX | 8 Speed Dual-Clutch | $29,095 | $263 | 51.0% | Lease |
| 67 | 2018 Hyundai Santa Fe Sport | 2.4L | $25,930 | $281 | 51.0% | Lease |
| 68 | 2018 Hyundai Ioniq Plug In Hybrid | Blue | $25,835 | $317 | 50.0% | Comprar |
| 69 | 2018 Kia Stinger | 2.0L | $32,800 | $374 | 50.0% | Lease |
| 70 | 2018 Infiniti Q50 | 3.0t LUXE | $40,145 | $407 | 50.0% | Lease |
| 71 | 2018 Mazda Mazda3 Hatchback | Sport | $21,290 | $258 | 50.0% | Comprar |
| 72 | 2018 Infiniti QX30 | NULL | $30,945 | $383 | 49.0% | Comprar |
| 73 | 2018 Mazda Mazda3 Sedan | Sport | $20,040 | $239 | 49.0% | Comprar |
| 74 | 2019 Ford Flex | SE | $31,570 | $387 | 49.0% | Comprar |
| 75 | 2018 Ford EcoSport | S | $20,990 | $213 | 49.0% | Lease |
| 76 | 2018 Kia Sorento | L | $26,890 | $271 | 49.0% | Lease |
| 77 | 2018 Hyundai Elantra GT | 5dr HB AT | $21,235 | $255 | 49.0% | Comprar |
| 78 | 2018 Infiniti Q70L | Q70L 3.7 LUXE LWB | $52,795 | $563 | 49.0% | Lease |
| 79 | 2018 Toyota Corolla iM | iM | $20,670 | $248 | 48.0% | Comprar |
| 80 | 2018 Ford Edge | SE | $30,310 | $347 | 48.0% | Lease |
| 81 | 2018 Kia Forte5 | LX | $19,195 | $230 | 48.0% | Comprar |
| 82 | 2018 Ford Flex | SE | $31,280 | $350 | 48.0% | Lease |
| 83 | 2018 Kia Cadenza | $33,190 | $388 | 47.0% | Lease | |
| 84 | 2018 Infiniti Q70 | Q70 3.7 LUXE | $51,295 | $544 | 47.0% | Lease |
| 85 | 2018 Infiniti Q60 | 2.0t LUXE | $43,295 | $462 | 46.0% | Lease |
| 86 | 2018 Kia Forte | LX | $18,795 | $230 | 46.0% | Comprar |
| 87 | 2018 Nissan Maxima | S | $34,655 | $403 | 46.0% | Lease |
| 88 | 2018 Kia Optima Hybrid | $26,890 | $312 | 45.0% | Lease | |
| 89 | 2018 Genesis G90 | NULL | $69,345 | $857 | 45.0% | Comprar |
| 90 | 2018 Hyundai Elantra | 4dr Sdn | $18,835 | $220 | 45.0% | Lease |
| 91 | 2017 Infiniti QX70 | with Package | $51,145 | $585 | 45.0% | Lease |
| 92 | 2018 Honda Clarity Plug-In Hybrid | Continuously Variable Transmission | $34,295 | $364 | 44.0% | Lease |
| 93 | 2018 Ford Transit Connect | XLT Passenger Wagon | $27,025 | $310 | 44.0% | Lease |
| 94 | 2018 Ford Escape | S | $24,935 | $309 | 43.0% | Comprar |
| 95 | 2018 Kia Optima Plug-In Hybrid | NULL | $36,105 | $350 | 43.0% | Lease |
| 96 | 2018 Ford C-MAX Hybrid | SE | $24,995 | $249 | 42.0% | Lease |
| 97 | 2018 Ford C-MAX | Hybrid SE | $24,995 | $249 | 42.0% | Lease |
| 98 | 2018 Ford Focus | S Sedan | $18,825 | $202 | 41.0% | Lease |
| 99 | 2018 Ford Fusion Hybrid | Hybrid S | $26,285 | $279 | 41.0% | Lease |
| 100 | 2018 Kia Soul EV | EV | $34,845 | $249 | 33.0% | Lease |