lalababa wrote: » I'm not trying to put anyone down thank you very much. I would Hazzard a guess that you know very little about cars. There are solid saloons (and hatches such as clio) with very high safety features. Reliability..just get your mechanic to check and service! Infact there can be less to go wrong with older less complicated designs. As for infotainment ..what exactly is the deal breaker there....? Must have wifi??
Deleted User wrote: » So, never getting a mortgage then?
Toyotafanboi wrote: » If you want something nice in the sense of say modern safety equipment or infotainment, reliability etc, €500 won't get you the time of day
realdanbreen wrote: » Anyone forking out more than four or five K for a car is going to be the type that logs into instagram or Facebook to show that they are having a meal out! Most cars nowadays will do 400k no bother so why would you spend 20k for a newer number plate.
lalababa wrote: » Let's say I had only 500 quid in my pocket but could save 500 a month (by foregoing other luxuries/essentials and working overtime) to put into pcp. So I could 'buy' a new BMW. Everything is fine and dandy driving around in my new BMW.. neighbors saying isn't he doing well for himself..till they cut my hours at work..I get sick...etc.
Kevin Irving wrote: » Whether you borrow money or save it, it's largely the same in the long run. You'd have a very poor quality of life if you decided to save for a house rather than take out a mortgage. I would much prefer to spend the bank's money on a decent car than save for a few years to buy it. The interest rate is a negligible amount per month and I can drive a decent car in the time someone else would be saving for it. I can then use my own money for things more important than a car, and leave the bank's money tied up in a car. Yes, it's going to depreciate, but so will the car that the guy has saved to buy. Basically it comes down to the question:Am I prepared to pay X amount of interest for the loan, rather than wait to buy a new car?
ShadowHearth wrote: » realdanbreen wrote: » Anyone forking out more than four or five K for a car is going to be the type that logs into instagram or Facebook to show that they are having a meal out! Most cars nowadays will do 400k no bother so why would you spend 20k for a newer number plate. This thread really getting better and better. I love it! The way it goes, I will have to jump in to my PCP car, get a selfie with "Feeling pretty, might go get some more popcorn for this thread, idk!".
realdanbreen wrote: » Absolutely, and the gas thing is that most fellas I know who are making repayments on 182 SUV's spend the week nights with the car parked up and watching the chase or catchphrase while I'm down at the local with the 00 passat parked outside!
iamtony wrote: » The average monthly car payment in the US is $500 dollars a month over 5 years(30,000). I can't remember the exact figures I heard but that amount invested wisely over 5 years turns into over 100,000. Then you buy your car and put the 70k off your mortgage or whatever. And a mortgage is very different to a car loan, personal losn or spending money on a credit card.
ChuckLarry wrote: » While there is some good long term investment opportunities out there at the moment I highly doubt there is any offering over 3 times your initial investement to be honest haha If making money was that easy sure we’d all be loaded
mloc123 wrote: » I wish my PRSA had returns like that...
mloc123 wrote: » realdanbreen wrote: » Absolutely, and the gas thing is that most fellas I know who are making repayments on 182 SUV's spend the week nights with the car parked up and watching the chase or catchphrase while I'm down at the local with the 00 passat parked outside! And getting a taxi home after I hope?
I would Hazzard a guess that you know very little about cars.
There are solid saloons (and hatches such as clio) with very high safety features.
Reliability..just get your mechanic to check and service! Infact there can be less to go wrong with older less complicated designs.
As for infotainment ..what exactly is the deal breaker there....? Must have wifi??
realdanbreen wrote: » Sure you would never meet a guard around my neck of the woods.
Toyotafanboi wrote: » That's me. Safety has come on at a rate of knots. Having drivers and passengers airbags isn't really "safety" anymore. Even small cars these days are crammed with additional safety equipment, stability control, EBD, lane departure assist, autonomous braking and so on, you won't get any of that in 15 year old Clio. There's arguably more to go wrong through the accumulated wear and tear. Sure engines are capable of running indefinitely now for the most part but years and tens of thousands of kilometers will put additional wear and tear on most components. Infotainment is nice. I'm not pushed on WIFI myself, but Spotify is nice on a long journey, sat nav is nice if you drive for work. The idea of RTE1, RTE2 or a compact disc player isn't too appealing to most i'd say. Some of that actually feeds back into safety, things like voice control and HUD's etc actually mean you will spend less time taking your eyes off the road ahead. That's the whole thing for me really, the new car is often much more than a current reg.
lalababa wrote: » I personally try my darndest not to crash, that would be the most important thing for me when driving, moreso than infotainment even! If I were you now, I'd pcp meself an armoured Humvee with a disco ball hanging from the interior light.
Toyotafanboi wrote: » You've basically described PCP :pac: As you say though, there's arguments for and against it.
Mike9832 wrote: » 0% is only on models they have trouble selling
PaulKK wrote: » The Octavia has been available at 0% for 3 or 4 years and they have no bother selling those.
iamtony wrote: » im pretty sure there's a con to 0% finance. I'd guess it's built into the car and you'd get a better price if youd paid cash?
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