车贷和novated lease哪个好？？？

晨曦的水滴

大家好，最近订了辆新车，然后开始纠结到底应该走novated lease还是普通车贷。不知道哪位大神可以来解答一下我的疑问。
车是85000元开走，车贷利率是5.5%，如果按照5年的还款期来计算，哪个合算？
NOVATED LEASE过了5年之后还要有一个25%的RISIDUAL VALUE，这个让我很郁闷，如果算上GST，最后我还要付大约2万澳币左右的车款，我把银行给的2个报价贴上：Equipment cost (incl. GST) $80,000.00
Less Deposit / Trade-in $0.00
Plus GST free amount $5,000.00
Amount Financed $85,000.00
Balloon $0.00 (0.00%)
Term 60 months
18 August 2014 60 Monthly $1,619.59
The following fee(s) will be applicable:
Fee Description Amount $
Documentation Fee $395.00
Security Registration Fee $0.00Equipment cost (incl. GST) $80,000.00
Less ITC $5,224.18
Plus GST free amount $5,000.00
Amount Financed $79,775.82
Residual Value (excl. GST) $18,693.96 (25.00%)
GST on Residual $1,869.40
Term 60 months
18 August 2014 60 Monthly： $1,250.53， GST $125.05， TOTAL$1,375.58
The following fee(s) will be applicable:
Fee Description Amount $
Documentation Fee (GST inclusive) $434.50
Security Registration Fee $0.00求各位大神解答。。。。。跪谢！！

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hybau

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