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Author New car price
Robin
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Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
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27th Mar 13 at 11:56   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by VrsTurbo
quote:
Originally posted by Steve
Tell me more about the depot


Bruntingthorpe is a depot for some car makes.


As is Rockingham, Bedford Autodrome too. Seems a common sideline
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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27th Mar 13 at 16:45   View User's Profile U2U Member Reply With Quote
why did you go with finance in the end?
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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27th Mar 13 at 16:46   View Garage View User's Profile U2U Member Reply With Quote
cheapest option
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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27th Mar 13 at 16:47   View Garage View User's Profile U2U Member Reply With Quote
plus she can give the car back after 3 years for a deposit on a new one, or pay the balloon payment, or just refinance the remainder and carry on paying i off over the 5 year term
VrsTurbo
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Registered: 8th Jun 10
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27th Mar 13 at 16:54   View Garage View User's Profile U2U Member Reply With Quote
so she hasn't bought it then.
mattk
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Registered: 27th Feb 06
Location: St. Helens
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27th Mar 13 at 17:10   View User's Profile U2U Member Reply With Quote
No. Steves mum has.
John
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Registered: 30th Jun 03
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27th Mar 13 at 17:19   View User's Profile U2U Member Reply With Quote
Sounds like lease and not finance?
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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27th Mar 13 at 17:35   View Garage View User's Profile U2U Member Reply With Quote
its kind of an open ended 3 year lease agreement yes, with the option of continuing the repayments.

We could have had a traditional finance plan for the same price, but felt it more sensible to leave the option there at the end of 3 years to change the car

In any finance/lease deal the car is never technically yours until its paid off anyway

[Edited on 27-03-2013 by Steve]
LeeM
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Registered: 26th Sep 05
Location: Liverpool
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27th Mar 13 at 18:24   View User's Profile U2U Member Reply With Quote
seems an odd choice to go from thinking of spending £12k cash to leasing.
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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27th Mar 13 at 18:32   View Garage View User's Profile U2U Member Reply With Quote
12k cash was via a bank loan, the repayments were at a lower interest rate. 6.9% as opposed to 8%

Plus if we were paying by cash the price of the car would have been more, so saving were made both ways by financing it with VW

[Edited on 27-03-2013 by Steve]
Ben G
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Registered: 12th Jan 07
Location: Essex
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27th Mar 13 at 18:32   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by VrsTurbo
so she hasn't bought it then.


if that's your way of thinking then no one ever buys a house unless they're billy big bollocks or live up north.
LeeM
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Location: Liverpool
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27th Mar 13 at 18:35   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Steve
12k cash was via a bank loan, the repayments were at a lower interest rate. 6.9% as opposed to 8%

Plus if we were paying by cash the price of the car would have been more, so saving were made both ways by financing it with VW

[Edited on 27-03-2013 by Steve]



ahhhh right, thought it was 12k savings.
Ben G
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Location: Essex
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27th Mar 13 at 18:38   View User's Profile U2U Member Reply With Quote
6.9% is quite a high interest figure. mines 3.9% and sainsburys are doing loans for 5.1% iirc.
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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27th Mar 13 at 18:42   View Garage View User's Profile U2U Member Reply With Quote
dont forget shes only 21 and been in full time employment for 18months, they generally up the lowest advertised rate for people like her.

The bank loan was also advertised as about 5%

Coupled with the extra we got off the car for going finance with them, we wouldnt have got close paying with our own means, even at a lowest interest rate

Cost of the finance is about 13k over 5 year term.

If we bought the car outright cheapest they were going to give it us was 13,500. Thats if we had the cash with 0% extra to pay

[Edited on 27-03-2013 by Steve]
Nath
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Registered: 3rd Apr 02
Location: MK
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27th Mar 13 at 18:47   View User's Profile U2U Member Reply With Quote
You keep saying we. U married m8?
VrsTurbo
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Registered: 8th Jun 10
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27th Mar 13 at 20:07   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ben G
quote:
Originally posted by VrsTurbo
so she hasn't bought it then.


if that's your way of thinking then no one ever buys a house unless they're billy big bollocks or live up north.


No but he was saying 12k cash makes it sound like they had that amount without finance.
Steve
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Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
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27th Mar 13 at 20:08   View Garage View User's Profile U2U Member Reply With Quote
I said we had 12k cash, but in the end we went with finance and got the car for 12,250

not sure whats difficult to understand with any of that really
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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28th Mar 13 at 13:42   View Garage View User's Profile U2U Member Reply With Quote
Steve has subbed some of this car IMO
Nath
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Registered: 3rd Apr 02
Location: MK
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28th Mar 13 at 13:52   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by pow
Steve has subbed some of this car IMO


blatantly
mwg
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Registered: 19th Feb 04
Location: South Lakes
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28th Mar 13 at 14:07   View User's Profile U2U Member Reply With Quote
Definitely paying 75% of it and planning on taking it to the Nurburgring
Hammer
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28th Mar 13 at 16:14   View User's Profile U2U Member Reply With Quote
baza31
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Registered: 19th Apr 03
Location: yorkshire
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28th Mar 13 at 21:52   View User's Profile U2U Member Reply With Quote
Any pics of inside? Does this have led lights? Great little cars , bought a 1.2 moda for Mrs last Xmas , this one looks a lot nicer though. Can you get leather in them? I don't think 12k is bad for a new one , I just sold hers for 8.5k cat d with 16k 1 year old

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