Discounts on Leasing/Purchase/Financing

[Doppellhelix]

Diese Woche im Internet bestellt, auf einer Leasing/Gebrauchtwagenplattform.

Terramar PHEV Tribe Edition Midnight Black
Bussines Paket
Skyline Paktet
Intelligent Drive XL
Matrix LED
AHK mit Anhängerassist
230V Steckdose
Sennheiser

Listenpreis: 64540€
Anz. 2000€
10000km
60 Monate
Überführung und Zulassung: 1370€

monatliche Rate: 437,20€ inkl. Mobilitätsgarantie (5€/Monate)

 

[Cupra-Klaus]

@Doppellhelix
Finde ich ganz schön heftig. Alles zusammengerechnet hast Du dann nach 60 Monaten 29.602 EUR gezahlt, und die Kiste ist dann weg. Das wäre es mir nicht wert. Ist nur meine Meinung.

 

[Doppellhelix]

Tja,

die Frage habe ich mir auch schon ein paarmal gestellt.
Aber wie hoch ist der Verlust eines Neuwagens nach 60 Monaten?

 

[ekm]

At 60 months, the maintenance package is surely included in the rate as well, right? That would still need to be deducted for the calculation (if that’s the case).

 

[Doppellhelix]

No, the maintenance package is not included.

By the way, the rate is very low.
I contacted about 7 dealerships across Germany plus the dealer around the corner from me and got monthly rates ranging from €70 to €150 more.
The leasing factor is 0.72, which is quite good. That means I get "more car for the money."

That might seem high to some, but try calculating a finance deal for the vehicle.
The rate is usually higher there, and you have a corresponding down payment or final instalment.

This is how I see it.
Ideally, you have the cash and pay in full.
You just shouldn’t get annoyed about the depreciation.

Or you finance it.
That usually means somewhat higher instalments than leasing, and after the finance term ends, I have to deal with it. Most likely, no one can come up with another €30,000. So, there’s the follow-up financing.
After 8–10 years, I can call a correspondingly old car my own. Yeah!

Personally, it’s not important to me whether I can call a car “my own.” Strictly speaking, with financing, it’s not really mine either.
So I lease.
I pay my instalments diligently, have a certain pressure to treat it carefully (though that shouldn’t really be necessary ), and after the term ends, I don’t have to bother with any buyers.
I hand the car back and get a new one.

For me personally, that’s perfectly fine.

 

[ekm]

All good, I didn’t want to speak badly of the rate, but with 5 years I WOULD have booked the maintenance package, which is why the rate would have looked even better then.

 

[dtmdriver]

I myself have practically full financing, but with the house bank. €530 per month for just under 8 years, no balloon payment, no down payment. With the option to pay it off completely beforehand and thus save on interest.
And the car is mine! The house bank doesn’t even want the registration document, unlike the dealer bank.

However, I also didn’t pay anywhere near the list price; after 5 years, those €30k would already be three-quarters of the vehicle’s value. Leasing was and is out of the question for me anyway, with 15-25k km per year or more, in case the commuter car ever breaks down

 

[ekm]

Well, you also pay just under 32 grand over the 5 years. So it’s not much different.

 

[dtmdriver]

But then it’s mine, mine all alone
Overall, I have to cough up 40 grand for it anyway whether all at once or spread out...

 

[cuprix]

Merry Christmas!
I ordered the Leon 1.5 TSI 150 hp 6-speed Manual* as an EU new car in the basic trim. I also opted for the Cupra side skirts. The standard stuff like warning triangle, first aid kit, etc. is included as well. It will get a day registration before delivery. The price is €26,140. What do you think about it?

Regards

 

[ekm]

If you don’t need any more, the price is reasonable (assuming it includes VAT).

 

[cuprix]

Yep, including everything.

 

[Cupra-Klaus]

Well, everything is just fine.

 

[Ginyu]

Meinen Terramar VZ in Cosmos Blau kann ich Anfang September abholen. Vorführer von Anfang 2026 (hat jetzt knapp 3500km auf der Uhr), der bisher vom Filialleiter gefahren wurde.

Monatlich bleche ich 280 Euro inkl. WartungPlus und dem Reifenpaket (wollte Ganzjahresreifen haben, die Sommerreifen kriege ich zur freien Verwendung mit dazu, denke ich verkloppe die bei erster Gelegenheit).

Der Wagen hat frei aus dem Gedächtnis alles ausser dem Panorama-Dach und der 360 Grad Kamera (kp ob ich das noch bereue, aber so groß isser ja nicht).

Gruß aus Hamburg