11-07-2018, 12:03 PM | #67 | |
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8k miles, tho low, is fine for me. I won't clock 32k over 4 years, and I may even pay the balloon at the end if I still love it, we did it for our family car recently as it's going to be ours for at least another 5 years. Wonder what it's true sale value looks like at the end, above or below 15800? |
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11-07-2018, 12:15 PM | #68 | |
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The stealers say GardX is worth about £500 when in truth it is worth about £50 at the most.
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11-07-2018, 01:09 PM | #70 | |
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Do you mean in relation to gard x and gap? It's £1400 of products based on the quote he gave and he's saying it reduces by £7 a month over 47 months if I remove it which is pure rubbish. I'm very close to doing the deal with them but I expect the full amount to be removed not £300 of it. |
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11-07-2018, 01:30 PM | #71 | |
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11-07-2018, 01:34 PM | #72 | |
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I agree to an extent but the gap and gard is being presented as "we won't do the deal without them" when they are entirely optional extras rather than part of finance and should be scrutinised under FCA rules. I'd happily pay this price now if it was for the service pack inclusive or something I see as real value. |
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11-07-2018, 01:40 PM | #73 | |
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11-07-2018, 01:48 PM | #74 | |
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Lol maybe to a millionaire but that's not free to me! What's incredible is its still over 20k for four years. These guaranteed values are so low its unreal. |
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11-07-2018, 01:58 PM | #75 |
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11-07-2018, 02:00 PM | #76 |
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Push for the very best deal you can possibly get because, as you well know, BMW residuals are horrendous!!!!!!!!!!!!!!!
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11-07-2018, 02:06 PM | #77 |
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11-07-2018, 02:07 PM | #78 |
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11-07-2018, 02:08 PM | #79 |
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Because at the end it would be great if there was equity left in the car, thus taking the overall monthly cost down if you sold it at the end. Also with a low deposit you can keep money in the bank to work for you. Just trying to be smart at both ends, when smart is a 50k car at rrp |
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11-07-2018, 02:22 PM | #80 | |
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11-07-2018, 02:25 PM | #81 | |
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Send him a gap insurance quote and say you are happy to buy from him but need a significantly improved price. |
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11-07-2018, 02:29 PM | #82 |
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It's the trade in on my old car. I've currently got a busted leg and no desire to sell it for an extra 500 privately and not got the space for them all on the drive!
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11-07-2018, 02:31 PM | #83 | |
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The deal is great, but it doesn't mean I'm ever paying top whack for a dealer's gap and paint protection. |
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11-07-2018, 02:31 PM | #84 |
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11-07-2018, 02:34 PM | #85 | |
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I've got a long term view with this car, past four years, but if circumstances change then I've done the maths to ensure this is low risk, but I appreciate what you are saying We bought the family car at the end of three years and will keep that for a decade. Another 0% apr big discount job but only a Ford so not a lot of money to start with. |
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11-07-2018, 02:37 PM | #86 |
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They can give you the £2k back in cash if you trade it in, you don't have to stick it in the car and I personally wouldn't when it's 0% finance.
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11-07-2018, 02:43 PM | #87 |
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11-07-2018, 02:45 PM | #88 |
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When interest rates are so low I never put in a deposit.
I paid £1000 deposit to secure my factory order last time, but they refunded it as soon as I picked up the car. |
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