What is a car subscription? A story about disassembling the contents of the monthly fee 🚗

Car subscription = seems easy with a monthly flat fee.

But "More than half of the monthly fee is not the vehicle price"

Did you know?

KINTO Yaris 44,990yen / month (tax, insurance and maintenance included)

As an example, I disassembled the contents into seven pieces 📝

▼ What is Car Busk in the first place?

a type of lease contract, for a monthly fee

A system that includes automobile tax, automobile liability, vehicle inspection fee, and maintenance.

Includes optional insurance depending on the plan.

However, gasoline fee, parking fee and violation fee are required separately.

▼ When you break down the contents of the monthly fee

Although it is a conceptual diagram because it is official private,

The price of the vehicle is about 20% of the total.

The rest is "prepayment" of taxes, insurance and maintenance.

In other words, "a mechanism that equalizes sudden expenses"

When you think about it, your appearance changes.

▼ 3-option comparison of purchase, residual value setting, subscription

Ownership, down payment, monthly contents, degree of freedom to change halfway,

Choices at the time of mileage restriction and contract termination,

I organized the differences in structure with 6 axes.

a former dealer factory manager

I want you to choose a way that you will not regret by comparing.

▼ 3 pitfalls you want to know before the contract

① Mid-term cancellation fee: Example of up to 1.58 million yen (5 years contract · 3 years remaining ·

In the case of 35,000 yen per month and residual value of 400,000 yen)

② Mileage limit: 1,500 km / month, 11 yen / km in excess

③ Restoration obligation: Custom that can not be returned at the time of return may be additional cost

Academic Research (Lambrecht& Skiera 2006, Journal of Marketing Research)

However, while the flat-rate system has the benefits of "security and convenience,"

It is suggested that it is easy to estimate the amount of usage.

The Yomiuri Shimbun also announced in April 2026 that it would increase consultations and rentals at the time of return.

There is a lot of confusion. "

Which way is your lifestyle?

・ Short-term holding (within 3 years) → Subscription / Residual value setting

· Long-term holding (5 years or more) → For purchase

· Mileage is high (over 15,000 km per year) → For purchase

· Mileage is small (less than 5,000 km per year) → Subscribe

Custom favorite faction → purchase orientation

· For those who want to reduce maintenance labor → Subscribe

However, this is not a decision, but an auxiliary line before choosing.

Study (Iyengar 2020) Even 2 / 3 of the value of a subscription

not economic, but psychological ease.

It's been said.

I want to separate "because it's easy" and "really profitable."

▼ Finally

Subscribe and buy,

"My lifestyle" and "monthly contents"

I want you to break it down and then decide.

Tuesday post "The median down payment is 600,000 yen" and read as a set

It is helpful for both purchasing and subscribing judgments 💡

Is it correct that you chose it yourself 🐾

─ ─

[Quote source]

・ KINTO official (as of 2025, Yaris monthly fee)

JAAI (Japan Automobile Assessment Association) standards

・ Road Traffic Law / JAF official

Yomiuri Shimbun April 2026 coverage

"Popular car leasing with a flat rate, consultation increase at the time of return...

There is a lot of confusion with rental without knowing it is impossible to cancel halfway. "

Lambrecht A. & Skiera B. (2006)

"Paying Too Much and Being Happy About It:

Existence, Causes, and Consequences of Tariff - Choice Biases "

Journal of Marketing Research

Iyengar R. et al. (2020)

"The Impact of Subscription Programs on Customer Purchases"

Journal of Marketing Research

Choosing a car # car _ life I want to connect with car lovers FutureStack LLC Studying money.