Description:
In general, lease-to-own refers to methods by which a lease contract provides for the tenant to eventually purchase the property.
Changelog:
1.0.1.0 Added translations
One common lease-to-own strategy is to include an option to purchase provision in the lease.
This clause states that the tenant may purchase the leased premises during a particular time period and according to terms specified in the lease agreement.
This mod enables to purchase leased equipment at the price reduced by the leasing installments paid to date. Lease rates and fees remain as defined in base game.
The purchase fee reduction is limited to 20 hours of operation and 3 years of leasing duration. All installments paid over these limits do not decrease equipment price – base game standard leasing conditions are in effect.
The residual value of the post-lease vehicle is 22% of the initial price. Is designed to prevent negative vehicle’s purchase fee – purchasing long-overdue leasing may not add money to tenant’s account.
Example 1: target residual value reached (both lease period and operating time fully utilized)
Equipment cost was 100 000, and owned decides to purchase it after 3 years. Total operating hours count is 20.
Initial base fee (2%) = 2 000
Monthly installments paid (1% x 36) = 36 000
Operating hours paid (2.1% x 20) = 42 000
Leasing agreement is fully utilized (all 36 months)
Purchase cost = 22000
Total cost = 102000 (102% of store price)
Example 2: neither operating hours limit nor lease period reached
Equipment cost was 100 000 purchase happened after 2 years. Total operating hours count is 10.
Initial base fee (2%) = 2 000
Monthly installments paid (1% x 24) = 24 000
Operating hours paid (2.1% x 10) = 21 000
Leasing agreement is utilized in 2/3rd = 666 to be returned
Purchase cost = 54 334
Total = 101 334 (101.33% of store price)
Example 3: lease period overdue, operating hours limit exceeded
Equipment cost was 100 000 purchase after 4 years. Total operating hours count is 30.
Initial base fee (2%) = 2 000
Monthly installments paid (1% x 48) = 48 000
Operating hours paid (2.1 x 30) = 63 000
Leasing agreement is fully utilized (36+ months)
Purchase cost = 22 000 (residual value)
Total = 135 000 (135% of store price)
Note that total leasing cost in game is 113 000 which is 113% of initial shop price. Without mod the money is lost – player can either keep paying fees increasing total cost or return vehicle with no refundation whatsoever.
Example 4: purchase immediately after leasing
Equipment cost was 200 000 purchase after 0 months. Total operating hours count is 0.
Initial base fee (2%) = 4 000
Monthly installments paid (1% x 1) = 2 000
Operating hours paid (2.1 x 1) = 4 200
Leasing agreement not utilized at all (4 000 to be returned)
Purchase cost = 189800
Total = 200 000 (100% of store price)
Mod does not interact with savegame files. No new savegame is required, and disabling the mod does not break the save.
Credits:
Bodzio528
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