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Q3 can purchase an equipment for $35,000 or lease it from L3 for 5 annual lease

ID: 2744244 • Letter: Q

Question

Q3 can purchase an equipment for $35,000 or lease it from L3 for 5 annual lease payments (paid at the beginning of the year) of $7,500. The equipment has CCA rate of 20% and will have salvage value of $2,000 at the end of year 5. Both companies do not have any other asset in the asset class. Q3’s cost of debt is 6% which is 2% higher than L3’s. The tax rates for Q3 and L3 are 30% and 40% respectively.

a. Calculate the NPV of leasing for Q3 and L3.
b. What is the range of annual lease payment that makes leasing acceptable to both Q3 and L3?

Explanation / Answer

Calculation of NPV of Leasing for Q3 and L3 :

   Q3 :

               Cost of debt after tax = 4.2%      ( 6 - 30%)

               Present value 5 annual lease payments = $7500 * PVAF@4.2%,5years

                                                                         = $7500 * 4.61285

                                                                         = $34596.38

                                        Value of the machine   = $33000     (Net of salvage value)

                                                              NPV     = ($14596.38)

   L3 :

                          Cost of debt after tax = 2.4%     (4%- 40%)

                   Present value of 5 lease payments = $7500 * 4.771054

                                                                      = $35782.90

                    Salvage value of the machine        = $2000 * 0.888

                                                                      = $1776.36

                                                       NPV    = (35782.90+1776.36) - 35000

                                                                      = $2560

Calculation of Range of annual lease payments :

              Q3 = $7153.93      ** (33000 / 4.61285)

           L3 = $6963.58     ** ((35000 - 1776.96) / 4.771054)