Finance?

[W8PMC]

all cars and motorcycles here is very expensive... i have a ducati panigale s senna edition... U$ 43.000,00. in 2011 i bought a camaro ss v8 - U$ 120.000,00 - in 2013 a lambo gallardo spyder 2010 U$ 500.000,00...
we have two problems here... tax (around 40/50%) and the profits of the dealers (20-35%).

in other side, food and girls are very cheap... LOL...

Surprised Yank tanks have premiums in Brazil. Those Camero's are about $7.95 in the US

$1/2mil for a 3yr old Lambo Gallardo? that's about 4X what it would cost in the UK & we get fooked in the bottom with taxes.

[W8PMC]

They come better specced Paul around £105k UK spec from what I believe. Ceramics, 21's, Panoramic, B&0, Sports Exhaust, Sports Suspension, Dynamic Steering. I'm sure there are a few more additons onto that also.

Still a hefty Mark up though, $225k is £151k.

With every option ticked on the UK spec including 5yrs warranty and a heap of accessories, roof racks, luggage boxes etc, it is possible to spec a UK car to a whopping £137k.

Is indeed a hefty mark up. I knew in the Scandinavian countries & some Far Eastern countries they charge a hefty premium for imported cars, but i didn't imagine Brazil was in the same league.

[mat776]

FYI - Q3 finance changes for RS6

Duration 3 Years
35 monthly payments of £749.00
Customer deposit £15,635.83
Centre Deposit Contribution £7,000.00
Recommended on-the-road price (inc metallic paint) £78,790.00
Amount of credit £56,154.17
Optional final payment £36,521.81
Total amount payable £85,422.64
Total amount payable by customer £78,422.64
Acceptance fee (Payable within first payment) £125.00
Option to purchase fee (Payable with optional final payment) £60.00
Rate of Interest (fixed) 4.7%
Representative APR 4.9%
Excess mileage 7.2p per mile

[mat776]

Could someone explain the implication of such a large drop in the GFV please ?

Although I will probably just pay the finance off in the first couple of weeks, I have the option of the last quart finance with a GFV at 42ish, and was wondering why the large difference ?

Thanks

[doodlebug]

Residuals have dropped.

[HYFR]

Volume. Supply > demand

[S4WON]

The thing that put me off PCP is that you are paying interest on the full amount financed but are technically only "borrowing" the difference between the GFV and the full amount which made it feel like i was setting fire to money.

If you need to finance a big lump and don't fancy sticking it on your mortgage take a look at first direct and a few others. You can get 25k for 3.x % unsecured
Swwweeeet. Two of those loans, theres your pcp amount. Also no tie ins, issues with resale, mods etc

[HYFR]

LOL, the bank aint gonna give you TWO unsecured £25k loans !

[S4WON]

They might, as im under 500 and dont stink of piss and wear slippers

[S4WON]

LOL, the bank aint gonna give you TWO unsecured £25k loans !

Btw, you can get 2 loans to maximise the APR %s assuming you have a high enough credit scoring and can afford it.

Might need to go to separate lenders and let some time elapse but it is more than possible,

Example below

http://www.telegraph.co.uk/finance/pers ... -ones.html

edited to remove comments about your age and financial accreditation's as I don't like to pick on old men as your continued references to Jags make me think about my grand pops.

[HYFR]

LOL



You are right, I struggle to get a £5k loan as the bank fear I may spontaneously combust while pissing over my slippers

[chunky79]

You need some incontinence trousers that Billy Connolly talks about, you won't pee on your slippers then DK
Can't wait for the F type r's to drop into my price range (£2k edudo), really want one. I love all the jag range at the moment.

[S4WON]

F-Type-R
List - 85k
Your budget - 2k
Jag depreciation curve = you can buy 2 in 6 months!

[HYFR]

You gotta learn to piss on your slippers first

Harder than you think yunno

[chunky79]

F-Type-R
List - 85k
Your budget - 2k
Jag depreciation curve = you can buy 2 in 6 months!

I take it you wouldn't have one then?