Audi A4

SDK^ said:
Fox - I know it's hard for you to get your head around this - people buy new cars in this way because they want a new car, specified to their liking. They aren't bothered if it costs £xxk more, all they want is a new car every 3 years.

People don't always do/want the most cost effective solution.
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I appreciate that and have pointed out twice that if you want new and are happy to pay then great. It's totally not my point.

My point was that the new option was portrayed as similar cost to the used option because the value of the payments over 4 years was the same for both cars, missing the huge final payment at the end of the new one.
 
I think that your missing the point too.

The final payment at the end, is the equivalent of the price difference between the new and the used initial price. So you haven't actually lost anything. You have just paid, or not really paid, just offset, that cost difference. So you haven't lost anything, just financed it differently.

I see your point though. My out have that 10k car at the end of buying outright. But it depends on what you prioritise. Having a 60 month old car at the end of the term, or having had the hassle free motoring in a car exactly to your own spec. It's not for everyone, but it does work well for many. I'm on my third pcp deal, and it works well for me.

Rode all, I know 5% APR works out substantially more, that's why I said 5% over the term! for ease of calculation! but gets the point across. I know with my 4.9 apr (roughly) over 48 months, the overall interest was more like 10%, about what your saying.
 
xs2man said:
I think that your missing the point too.

The final payment at the end, is the equivalent of the price difference between the new and the used initial price. So you haven't actually lost anything. You have just paid, or not really paid, just offset, that cost difference. So you haven't lost anything, just financed it differently.
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You can't compare it like that.

One option leaves you with an asset you can sell for £10k. The other option leaves you with nil.

When appraising two options you can't say you 'dont lose anything' because you do, you lose the opportunity of a £10k asset.

I see your point though. My out have that 10k car at the end of buying outright. But it depends on what you prioritise. Having a 60 month old car at the end of the term, or having had the hassle free motoring in a car exactly to your own spec. It's not for everyone, but it does work well for many. I'm on my third pcp deal, and it works well for me.
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I'm not saying 'OMG NEW CAR PCP BAD!'. Not at all. If you want a brand spanking new and you can afford to fund it then go for it. My point is based around the fallacy that £20k over 4 years on a PCP is the same as buying a £20k used car. It's totally not, its twice as expensive.

Just be aware that new cars cost lots more than second hand cars, thats all. There is nothing wrong with that, you'd expect shiney new things to cost lots more than second hand things.
 
XeNoN89 said:
How long is that for? And is that a lease deal?

Seems a lot to me!

My TT Coupe 2.0TFSI Black Edition quattro S-Tronic with tech & Comfort packs is costing me £299 a month
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No idea, lease I think, she can easily afford it so doesn't care. She only has a short commute but uses it a lot for trips across Scotland for cycling races.

Nice deal you have there in comparison, her's is exactly the same spec but in TDI form. Where abouts did you get that deal from, her's is from Audi direct up here?
 
-Ad- said:
No idea, lease I think, she can easily afford it so doesn't care. She only has a short commute but uses it a lot for trips across Scotland for cycling races.

Nice deal you have there in comparison, her's is exactly the same spec but in TDI form. Where abouts did you get that deal from, her's is from Audi direct up here?
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I got that directly from my local Audi dealer as well. Loving the car so far :)
 
XeNoN89 said:
I got that directly from my local Audi dealer as well. Loving the car so far :)
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Not bad at all, which dealer is that? I see for an earlier post yours is a finance deal over 4yrs, unfortunately she only wants to keep it for 2yrs before moving on....... possibly to an R8 :cool:

It is a nice car, enjoy being driven around in it as it's a nice place to be. Boot fits her bike in easily with the seats folded down, but the suspension is pretty firm. Overall a pretty car, well built and comfortable, but it is being replaced this year!
 
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-Ad- said:
Not bad at all, which dealer is that? I see for an earlier post yours is a finance deal over 4yrs, unfortunately she only wants to keep it for 2yrs before moving on....... possibly to an R8 :cool:

It is a nice car, enjoy being driven around in it as it's a nice place to be. Boot fits her bike in easily with the seats folded down, but the suspension is pretty firm. Overall a pretty car, well built and comfortable, but it is being replaced this year!
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Mine's from Coulsdon Audi. 2 Year deal would explain why it costs a bit more per month! I probably won't be keeping mine for the full term either but wont be ending up with an R8! Jealous. :p
 
Thats the old shape. The newer model with the similar front to the FL A4 came out in 2011.
 
Almost 10 years old that design.

Have a look at the F10 5 series. I put a deposit on one today. Higher mileage than both of those but so much more modern.
 
Much better, no xenons though on a 20k car would put me off. Interior & tech is so much better Han the older model. Saw a few S-lines (Xenons plus a few trim upgrades) for similar money.
 
Minstadave said:
Much better, no xenons though on a 20k car would put me off. Interior & tech is so much better Han the older model. Saw a few S-lines (Xenons plus a few trim upgrades) for similar money.
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Does the S-Line setup make much of a difference to the ride comfort? I do need to go and test drive both versions to compare for myself, but would be useful to know. I am more after comfort than S-Line specs.
 
The old shape A6 wasn't *bad*, especially once facelifted and with the later navigation revisions. But when £20K gets a new shape A6 you don't want to be paying £16K for an old one!


Regarding the suspension, my Father's got a new shape A6 S-Line (and as he's out the country all the time I end up stealing it :p). It's got the optional 20" rims on it :eek: and I'd say the ride quality is fine. Probably a bit better than the E61 LCI we had (M-Sport suspension on Runflats), but not as good as the Lexus was.

Miles better than the lowered & stiffer springs I've got on my RenaultSport Clio though!
 
Danger Phoenix said:
Does the S-Line setup make much of a difference to the ride comfort? I do need to go and test drive both versions to compare for myself, but would be useful to know. I am more after comfort than S-Line specs.
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I'm not sure tbh. On the A3 and A4 it does make the rider uncomfortable.

You can get xenons on the SE spec though, just an optional extra :)
 
I just about bought the new A6 before the I got the 5 series. In fact, I was giving BMW one last chance before getting the 6.

It's a lovely big bus. Didn't feel a huge amount bigger than the A4, but it was big inside, which it like anyway. Ride on the S-line is fine. I like it a little stiffer anyway though. But the interior trim and bodywork you get with the S-Line are a must for me. I wouldn't get one without.

The A6 Technology Pack is also very worthwhile getting. That was a must have for me. But then so was the Black Edition a must have for me. It just looks great, and gives the little extras I would have bought anyway.
 
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