maqroll Posted April 18, 2017 Share Posted April 18, 2017 On 4/12/2017 at 12:56, Midfielder said: Too many nice looking cars on this thread. In a work car park full off BMW, Audi, Mercedes, Infinitis, couple of Teslas I am proud to squeeze this bad boy in to the car park almost like a red headed stepchild into the mix. Parking it sideways like that is genius. Link to comment Share on other sites More sharing options...
omariqy Posted April 18, 2017 Share Posted April 18, 2017 18 hours ago, wazzap24 said: Here's a quick example on one of the cars you were looking at. RR Evoque 2.0 TD4 SE TECH Auto. PCP from Landrover: http://www.landrover.co.uk/offers-and-finance/finance-offers/range-rover-evoque.html PCH via a finance broker: https://www.nationwidevehiclecontracts.co.uk/Landrover_range-rover-evoque-hatchback-2-0-td4-se-tech-auto-64162.htm Look at the monthly rate. PCP looks better doesn't it? But when you compare the total cost inc deposit. Ouch. Same car, same term, same mileage etc - PCH works out about £4K less over 3 years (assuming you just hand it back after 3 years and walk away) They are not all like this, some PCP offers offer low deposits etc, but I'd stand by my opinion that PCH will win the majority. My only slight concern with PCH is the fact that you can't get out of it if your circumstances change. Link to comment Share on other sites More sharing options...
TrentVilla Posted April 18, 2017 Moderator Share Posted April 18, 2017 2 minutes ago, omariqy said: My only slight concern with PCH is the fact that you can't get out of it if your circumstances change. PCP is much better than PCH Link to comment Share on other sites More sharing options...
Villan_of_oz Posted April 18, 2017 VT Supporter Share Posted April 18, 2017 I love these random threads. I drive a 2005 Mitsubishi Pajero. Its getting a bit old now but was the nicest car I'd ever bought. A beast for towing the caravan. 1 Link to comment Share on other sites More sharing options...
darrenm Posted April 18, 2017 Share Posted April 18, 2017 1 hour ago, TrentVilla said: PCP is much better than PCH I've read that PCP is best if you intend to keep the car after the initial period. If you intend to buy a new car then PCH is better as you're paying for less depreciation over the term. PCP means you pay more to build up equity over the final settlement figure, but you're charged interest on that extra amount. For a lease they only have to cover the amount up to the depreciation. Link to comment Share on other sites More sharing options...
wazzap24 Posted April 19, 2017 Share Posted April 19, 2017 13 hours ago, omariqy said: My only slight concern with PCH is the fact that you can't get out of it if your circumstances change. You can, you just have to pay. You pay an early settlement figure, which on PCH is usually an 'actual cost' ET based on the sale value vs book value on the leasing companies books. Some offer 50% of remaining rentals. Some will offer you the lowest of the two. They will give you an estimate and they normally provide a 'worse case' value for you in the first instance. The earlier into the contract you do this, the more you will likely have to pay due to the steepest part of the depreciation curve being the first 12-18 months, but Yes you can exit a PCP early with no charge, but only if you have paid 50% of the total financed amount. So if you need out after 12 months, you can't just walk away if your agreement is 3-5 years, because you won't have paid 50%. There is a risk with any type of finance if circumstances change. Link to comment Share on other sites More sharing options...
wazzap24 Posted April 19, 2017 Share Posted April 19, 2017 14 hours ago, TrentVilla said: PCP is much better than PCH Elaborate. Link to comment Share on other sites More sharing options...
BOF Posted April 19, 2017 Moderator Share Posted April 19, 2017 On 18/04/2017 at 06:51, maqroll said: My first vehicle was a total shitbox, a 1978 Buick Century I inherited from a girl who lived down the street. That's some seriously cool retro now though 3 Link to comment Share on other sites More sharing options...
StefanAVFC Posted April 19, 2017 Author Share Posted April 19, 2017 My missus drives this thing. It's so very green. Link to comment Share on other sites More sharing options...
Midfielder Posted April 19, 2017 Share Posted April 19, 2017 15 hours ago, maqroll said: Parking it sideways like that is genius. oops , appeared the right way up when i posted that... i'm one of them technotards see. get the feeling that holding phone upright isnt the way forward for taking photos. Link to comment Share on other sites More sharing options...
Midfielder Posted April 19, 2017 Share Posted April 19, 2017 On 4/12/2017 at 14:12, BOF said: Extra kudos for the rotated photo now i "get" this comment, at the time, i did wonder... "what does he mean" ... as i didnt know it was the wrong way up. for some reason appeared correct on my phone! sorry about that! Link to comment Share on other sites More sharing options...
NurembergVillan Posted April 19, 2017 Moderator Share Posted April 19, 2017 2 minutes ago, Midfielder said: oops , appeared the right way up when i posted that... i'm one of them technotards see. get the feeling that holding phone upright isnt the way forward for taking photos. Just turn it on its side when you're posting to VT and it'll be fine 1 Link to comment Share on other sites More sharing options...
Midfielder Posted April 19, 2017 Share Posted April 19, 2017 Just now, NurembergVillan said: Just turn it on its side when you're posting to VT and it'll be fine Understood NV and thanks! Cheers bud Link to comment Share on other sites More sharing options...
wazzap24 Posted April 19, 2017 Share Posted April 19, 2017 12 hours ago, darrenm said: I've read that PCP is best if you intend to keep the car after the initial period. If you intend to buy a new car then PCH is better as you're paying for less depreciation over the term. PCP means you pay more to build up equity over the final settlement figure, but you're charged interest on that extra amount. For a lease they only have to cover the amount up to the depreciation. Problem is with buying one using PCP is generally you'll pay almost full retail. Even with a deposit contribution, it doesn't often add up to more than 3-5% off the MRRP. Yes you can get some 0% finance deals, but if you walked in with cash and got a low APR loan, you'd still end up paying less overall (generally) With ownership, I'd nearly always reccomend going for nearly new or 'pre reg' and take advantage of a much lower OTRP. Find the finance to suit outside of the sale. Link to comment Share on other sites More sharing options...
Davkaus Posted April 19, 2017 Share Posted April 19, 2017 38 minutes ago, StefanAVFC said: My missus drives this thing. It's so very green. I like it! It's a little less bright than my own lime green car. She'll never lose the **** in a car park. Every car in my office car park is red, red, black, red, blue, red, blue, gre, BRIGHT GREEN. Link to comment Share on other sites More sharing options...
Midfielder Posted April 19, 2017 Share Posted April 19, 2017 (edited) On 18 April 2017 at 21:19, maqroll said: Parking it sideways like that is genius. Hopefully I have rotated correctly and this appears the right way up. Previous time I posted it appeared to be correct as displayed on my tablet. Here is my red headed stepchild doing its best to look inconspicuous. On on another matter I have pondered recently getting a used Fiat 500 Abarth, which is a confession to say ... As they're clearly marketed for the ladies but hey... But yeah I kinda closetly adore them but... Have a long commute daily and thinking of getting second car, nowt fancy, but those Abarths yeah they kinda float my boat want a tiny tiny sort of hot hatch city car but scared I might end up listening to Right Said Fred and hanging out at the Blue Oyster Bar if I do.... Still though, our American comrades on here have some absolutely humongous pickups. As a fan of a bit of (televised) Pro Buggy and some Nascar inc the pickups and also just general short course racing... I salute you and your monster trucks. Gas guzzlers? Don't worry about that, that's what wars are for anyway (oil and stuff) and well apparently global warming doesn't exist anyway according to Trump. Ps... Here is one of the greatest things achieved by man... I'm gonna shut up now... http://www.bbc.co.uk/news/world-39428949 this link is to a BBC short video about a minute long.... Of a monster truck front flip... Happened few weeks ago Edited April 19, 2017 by Midfielder 2 Link to comment Share on other sites More sharing options...
Tegis Posted April 19, 2017 VT Supporter Share Posted April 19, 2017 1 Link to comment Share on other sites More sharing options...
Davkaus Posted April 19, 2017 Share Posted April 19, 2017 Doesn't look right mate, here you go. 3 Link to comment Share on other sites More sharing options...
NurembergVillan Posted April 19, 2017 Moderator Share Posted April 19, 2017 15 minutes ago, Midfielder said: Hopefully I have rotated correctly and this appears the right way up. Previous time I posted it appeared to be correct as displayed on my tablet. Here is my red headed stepchild doing its best to look inconspicuous. On on another matter I have pondered recently getting a used Fiat 500 Abarth, which is a confession to say ... As they're clearly marketed for the ladies but hey... But yeah I kinda closetly adore them but... Have a long commute daily and thinking of getting second car, nowt fancy, but those Abarths yeah they kinda float my boat want a tiny tiny sort of hot hatch city car but scared I might end up listening to Right Said Fred and hanging out at the Blue Oyster Bar if I do.... Still though, our American comrades on here have some absolutely humongous pickups. As a fan of a bit of (televised) Pro Buggy and some Nascar inc the pickups and also just general short course racing... I salute you and your monster trucks. Gas guzzlers? Don't worry about that, that's what wars are for anyway (oil and stuff) and well apparently global warming doesn't exist anyway according to Trump. Ps... Here is one of the greatest things achieved by man... I'm gonna shut up now... http://www.bbc.co.uk/news/world-39428949 this link is to a BBC short video about a minute long.... Of a monster truck front flip... Happened few weeks ago 3 Link to comment Share on other sites More sharing options...
Popular Post NurembergVillan Posted April 19, 2017 Moderator Popular Post Share Posted April 19, 2017 This better? Think I figured it out. 9 Link to comment Share on other sites More sharing options...
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