BMW Motorrad PCP
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07-09-2015 10:21pm#1
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..where would we be without MS Excel, huh ??
Logically, the CU is the way to go, but the cost-per-month you have to find may be the stumbling block.
That said, the PCP solves that, but BMW are making big money on it - €2411 interest on €4261 borrowed.........mmmmm
Ode To The Motorist
“And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road”
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aerofoiled wrote: »An R1200RS is what I'm after! I had a call from the sales manager at Duffy's and he was very helpful in running through the finance options - he also offered a test ride but I need to work out the best way to pay for the thing before I get suckered in!
As pointed out in other posts, the GMFV is set very low but you do end up (hopefully) with your deposit sorted when you trade in after 3 years.
Where they are not at the races is their interest rates. Thanks galwaytt for your bit of spreadsheetery! The overall cost of borrowing is a good deal more expensive compared to even a bank loan, never mind the CU. I think I might just stump up the extra monthly payment and at least I'm clear after 3 years.
^^^^^this.
I didn't realise how much they were charging for basically a 4k loan til I did the sheet. I can't see why they're charging so much.....even at "high street rates" 4k would be about €133 pm........and that's still giving them 6.5%…………pity....I had already planted the idea with the SO... Ode To The Motorist
“And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road”
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^^^^^this.
I didn't realise how much they were charging for basically a 4k loan til I did the sheet. I can't see why they're charging so much.....even at "high street rates" 4k would be about €133 pm........and that's still giving them 6.5%…………pity....I had already planted the idea with the SO...
Just to clarify something. Your monthly repayment also includes the interest being charged on the balloon, so it looks expensive against a 4k bank loan. You're still borrowing nearly 10k but only making capital repayments on the bit in the middle i.e. purchase price less deposit and balloon. Still expensive though!0 -
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