Finance rates和Lease rates有什么区别?

Finance rates和Lease rates有什么区别?
*Lease rates are those offered by BMW Financial Services Canada only on approved credit on select new BMW models. Representative lease example: lease a 2013 BMW 128i Coupé base model for $36,000 at 1.90% for a term of 48 months and a $4,500 down payment; the monthly lease payment is $400. First month’s lease payment, a security deposit of approximately one month’s lease payment, transportation and preparation ($2,095), A/C excise tax ($100), a PPSA or RPMRR registration fee (up to $90),
*Finance rates are those offered by BMW Financial Services Canada only on approved credit on select new BMW models. Representative financing example: finance a 2013 BMW 128i Coupé base model for $36,000 (plus tax) at 0.90% for a term of 60 months and a $6,900 down payment; the monthly finance payment is $557. Total obligation is $40,320.00. Transportation and preparation ($2,095), A/C excise tax ($100), a PPSA or RPMRR registration fee (up to $90),
上面这段话里,为什么Finance rates会比Lease rates贵这么多?这两个有什么不同?