AArrgghhh!!

[Jockman]

Is there such a thing as 0% Finance or are we into oxymoron territory ?

[Jockman]

mikey k said:

It's quite a clever deal

Your car plus an affordable balance
£1k a month for 24 months
Then a large balloon that will encourage to take the next deal at the time PXing the car rather than pay it

That's not a deal, matey, that's a trap

[AdamV12V]

Neil1300R said:

Can't see the V12VR being worth only 65k in 3 years time.

Ok, thats a fair point - I was being general and just thinking about a more normal Aston! You're right.

Neil1300R said:

Good thing there aren't any V12VR to actually buy, or I'd be tempted. 0% finance, even Mr Gould would approve!

Well I'm not sure sure he would, if 0% finance is tempting to you buy something you couldn't otherwise afford. It may be better than paying interest, but its still finance!

Its all part of the "have it today, pay tomorrow" mentality. Instead I believe in work hard, save up and pay cash tomorrow!

I'm sure I'm in a minority - my dealer spent hours trying to convience me to take some low rate finance on all 3 of my last Astons even when I didn't want or need it. Apparently very few new car buyers actually pay cash however, even if they can afford to, instead prefering to invest the cash saved in "business ventures".

George29 said:

Neil1300R said:

0% finance, even Mr Gould would approve!

A jewelers near me is doing 0% finance on watches... I'm really tempted to buy a JLC because of it!

Exactly!

[michael gould]

George29 said:

Neil1300R said:

0% finance, even Mr Gould would approve!

A jewelers near me is doing 0% finance on watches... I'm really tempted to buy a JLC because of it!

whats finance ? I have just purchased this morning a Vacharon Constantine....havn't told my wife yet !

[yeti]

michael gould said:

whats finance ? I have just purchased this morning a Vacharon Constantine....havn't told my wife yet !

Hmm, let's have a look at that please

Some of the VC Overseas models ar very nice but the brand and design doesn't grab me... although they are 'one of the three' (PP, VC, AP).

[AdamV8V]

Here's how my man-maths works:

- I currently own a V8VR worth approx £52-£55k
- I pay £600/month in finance repayments, and owe about £15k on it
- For £20k (settle the finance, and top-up the £55k p/x value to £60k with another £5k) I could get into V12 Vantage
- My monthly finance repayments would go up by £400/month (manageable)
- In two year's time, the exercise has cost me £44k ((24 x £999) + £20k).
- If I can sell the car for £104k (33% depreciation) after that two years, I pay off the £60k balloon, and I'm back where I started.

So, so many flaws in this plan, I know, but this is an insight into I how I end up emailing Stratstones and asking if they do actually have a V12VR and what the spec is...

[yeti]

AdamV8V said:

man-maths

do it
do it
do it
do it

[Jockman]

Einstein said:

Here's how my man-maths works:

- I currently own a V8VR worth approx £52-£55k
- I pay £600/month in finance repayments, and owe about £15k on it
- For £20k (settle the finance, and top-up the £55k p/x value to £60k with another £5k) I could get into V12 Vantage
- My monthly finance repayments would go up by £400/month (manageable)
- In two year's time, the exercise has cost me £44k ((24 x £999) + £20k).
- If I can sell the car for £104k (33% depreciation) after that two years, I pay off the £60k balloon, and I'm back where I started.

So, so many flaws in this plan, I know, but this is an insight into I how I end up emailing Stratstones and asking if they do actually have a V12VR and what the spec is...

I can see what she sees in you now Adamski

It's like using the word 'nearly' instead of 'flaccid'

[silverspeed]

AdamV8V said:

Here's how my man-maths works:

- I currently own a V8VR worth approx £52-£55k
- I pay £600/month in finance repayments, and owe about £15k on it
- For £20k (settle the finance, and top-up the £55k p/x value to £60k with another £5k) I could get into V12 Vantage
- My monthly finance repayments would go up by £400/month (manageable)
- In two year's time, the exercise has cost me £44k ((24 x £999) + £20k).
- If I can sell the car for £104k (33% depreciation) after that two years, I pay off the £60k balloon, and I'm back where I started.

So, so many flaws in this plan, I know, but this is an insight into I how I end up emailing Stratstones and asking if they do actually have a V12VR and what the spec is...

Love the way you talked yourself in to it !! Be great to have another V12 Roadster owner on PH

[Neil1300R]

AdamV8V said:

Here's how my man-maths works:

..... how I end up emailing Stratstones and asking if they do actually have a V12VR and what the spec is...

Tosser!
Do NOT come back here and say there is more than one. Or my man maths will go into overdrive.

[mikey k]

Jockman said:

mikey k said:

It's quite a clever deal

Your car plus an affordable balance
£1k a month for 24 months
Then a large balloon that will encourage to take the next deal at the time PXing the car rather than pay it

That's not a deal, matey, that's a trap

It is - I should probably have reworded it = they are quite clever offering that deal as it just about locks you in to a new Aston every 2 years

[George29]

michael gould said:

whats finance ?

For people like me who don't have a millionaire wife and can't be arsed saving

[George29]

AdamV12V said:

George29 said:

Neil1300R said:

0% finance, even Mr Gould would approve!

A jewelers near me is doing 0% finance on watches... I'm really tempted to buy a JLC because of it!

Exactly!

They gave me a card with the prices on that I keep looking at, thinking it's a good idea.



£250 a month for a new JLC Master Control Hometime. It doesn't seem much at all, seriously tempting!

[yeti]

George29 said:

They gave me a card with the prices on that I keep looking at, thinking it's a good idea.



£250 a month for a new JLC Master Control Hometime. It doesn't seem much at all, seriously tempting!

Is that 20% discount AND interest free credit?? If so then that's a good deal...

[George29]

yeti said:

Is that 20% discount AND interest free credit?? If so then that's a good deal...

20% deposit... there was a decent discount on that though

[whoami]

michael gould said:

whats finance ? I have just purchased this morning a Vacharon Constantine....havn't told my wife yet !

Was it a fake?

[AdamV12V]

Just pay cash for it George and be done... How much are you going to earn banking the £4560 for 18mths - £100 tops after tax. Im sure you could haggle a further £100 for payment in pound notes!

Even 0% finance =

[xto]

whoami said:

michael gould said:

whats finance ? I have just purchased this morning a Vacharon Constantine....havn't told my wife yet !

Was it a fake?

Which one did you buy? im looking at the VC overseas RG Chrono. Love that watch,

Would that shop offer finance on the above?

[George29]

AdamV12V said:

Just pay cash for it George and be done... How much are you going to earn banking the £4560 for 18mths - £100 tops after tax. Im sure you could haggle a further £100 for payment in pound notes!

Even 0% finance =

I don't have the cash available unless I dig into my savings. Just bought the R1 and booked Australia and Malaysia for the GP

[michael gould]

New watch.......it's a bit like my Patek.....very understated