Audi owners in here!

SDK^ · 26 Mar 2016 at 14:37

^ indeed - a TT would be useless for me.

[TW]Fox · 26 Mar 2016 at 14:41

Blackhawk47 said:
On my previous cars, I just part ex/trade in...I don't wait the whole 4 years.

Surely with that you end up just constantly rolling negative equity up into the next deal?

Jono8 · 26 Mar 2016 at 14:41

Interestingly, exterior wise, Audi have made the new shape TT look more dated than the old one in my opinion.

Robi · 26 Mar 2016 at 14:55

Blackhawk47 said:
Why would you get into 'debt'?

I certainly don't consider myself in debt just because I've got PCP finance.

Are you being serious?

Jonnycoupe · 26 Mar 2016 at 14:58

Blackhawk47 said:
If you did get the car and lost all your money tomorrow then you'd have to ask the dealership to buy the car back off you to clear the remaining finance. As long as you don't get into negative equity then I don't see the problem?

Day 1 of car finance you're in negative equity unless you go in with a circa 15% deposit.

MaX_PoWah · 26 Mar 2016 at 15:05

Blackhawk47 said:
Approved used RS3 (nearly new) a alternative option?

Apparently Audi recently starting selling off the press launch fleet and a couple have very high specifications. A couple of people on the rs3 forums got some good deals. See if you can find one of them and ask for a 5 year warranty?

Very little news on the facelift other than its coming. I would imagine the long awaited carbon ceramics and bucket seats will make an appearance also.

I am still loving mine. Awesome car. The main thing I am debating at the moment is PPF for the front as I have picked up a few stone chips already

. I also want some 19'" s4 Audi v spokes and try some MPSS as well.

cuke2u · 26 Mar 2016 at 15:16

Audi finance explained https://www.audi.co.uk/explore-models/finance.html but if you try to p/x the car before the end of four years you'll more than likely be in negative equity as the final settlement lump sum is the one only guaranteed to the value of the car.

danielanthony · 26 Mar 2016 at 16:00

chriscatt said:
Audi finance explained https://www.audi.co.uk/explore-models/finance.html but if you try to p/x the car before the end of four years you'll more than likely be in negative equity as the final settlement lump sum is the one only guaranteed to the value of the car.

Or you could VT the car early if it's in negative equity and you've paid 50% of the agreement amount.

ChrisD. · 26 Mar 2016 at 16:22

I don't know about used. I'm in no rush so I'll have a read into it all over the next few weeks.

Blackhawk47 · 26 Mar 2016 at 16:56

MaX_PoWah said:
See if you can find one of them and ask for a 5 year warranty?

Not me looking to buy one mate lol.

jonneymendoza · 26 Mar 2016 at 23:24

Blackhawk47 said:
By that logic, having a phone contract is being in 'debt'.

not the same

[TW]Fox · 27 Mar 2016 at 09:27

danielanthony said:
Or you could VT the car early if it's in negative equity and you've paid 50% of the agreement amount.

Which because of the GFV most people in a PCP cannot do until pretty much the end of the agreement anyway.

Jokester · 27 Mar 2016 at 09:55

Phone contracts are a debt as well by the way.

nas · 27 Mar 2016 at 10:17

chriscatt said:
Audi finance explained https://www.audi.co.uk/explore-models/finance.html but if you try to p/x the car before the end of four years you'll more than likely be in negative equity as the final settlement lump sum is the one only guaranteed to the value of the car.

I've done this several times selling & settling early; either you need a substantial deposit so you don't start off in negative equity or overpay your monthly's to bring the balance down - which will also need to be substantial to make any material difference.

The settlement figure requested midterm will show a balance without interest accrued over the entire term, so as long as the car is worth more than that, there shouldn't be any problem.

jonneymendoza · 27 Mar 2016 at 19:02

Jokester said:
Phone contracts are a debt as well by the way.

Yup but a car your in debt for 20/30k. Sorry but I rather save that for a mortgage deposit. That's why it's better to buy outright if you can. Each to their own

[TW]Fox · 27 Mar 2016 at 19:06

jonneymendoza said:
Yup but a car your in debt for 20/30k. Sorry but I rather save that for a mortgage deposit. That's why it's better to buy outright if you can. Each to their own

Actually if a mortgage deposit is your aim then provided you still meet the affordability criteria surely keeping the cash is of more value.

Blackhawk47 · 27 Mar 2016 at 20:09

Or do what I do and save for a house deposit while driving the car you want

ChrisD. · 27 Mar 2016 at 20:23

Already have a house so not a concern for me.

jonneymendoza · 27 Mar 2016 at 20:28

Blackhawk47 said:
Or do what I do and save for a house deposit while driving the car you want

Or save more and get mortgage sooner rather then later hehe.

jonneymendoza · 27 Mar 2016 at 20:28

S2KIP said:
Already have a house so not a concern for me.

Yea each to their own as said mate. No wrong or right.