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http://www.gbcardeals.com/outright-purchase-cars/citroen/grand-c4-picasso-mpv
Of any interest? Someone I know bought a t5 thought them and was pleased.
and that they should get a propper 7 seater as had we been in a serious frontal crash its an almost certainty that id have broken my neck
No idea how you could claim to know what *might* happen in a crash.
Wonder if I could get one of the car seats in the middle (they're not ISOFIX, they're booster type ones) giving the big one an outside seat with the legroom?
Booster? Yes. We do this when we are carrying the spawn of another parent/friend of hora jnr's and our car is TINY inside in the rear compared to most.
"No idea how you could claim to know what *might* happen in a crash."
Eh ? wise up .....what would be your best guess at what - as you put it "might" happen when someones sitting in a seat designed to have kids in - with their head sideways against the roof in a recessed area..... and the car comes to an abrupt stop.....
more so note the precursor - ALMOST.... meaning - not always - as in Its not certain that it would happen but its nearly certain 😉 - but dont let that get in the way of a smart comment.
Ok, what do we think of this, from russ295's website
Toyota Verso for £15,000. 5 year warranty, and if I stay by the principal of paying for a car that's in warranty, a £13,000 loan for 5 years is less than £240 a month.
It has the 3 individual seats, all the safety kit, and a better (reputation) for reliability! Base spec but got everything it needs. Also petrol, but my understanding is that Japanese petrols are often better than their diesels.
I was in a car that somersaulted at speed- me seatbelted, rear passenger not in a late 80's Fiat. None of us received a scratch (although I had shoes filled with cubed-glass).
So I feel none of us really know what might happen. Hit a tree etc and its almost certain going to be very serious in any car. Thats the only given.
id have one of them .
there a nice no frills motor - quite a few folk i know use em for chucking bikes in the back of with no hassles once they put the seats in the garage too.
just for old times sake and to keep daveyboywonder happy . the XTR spec berlingo has 3 individual rear seats 😉
edit - was your rear passengers head forced to sit at an angle in a recess in the roof though ?
comparitively the rear seats in a grand espace were luxurious and comfortable - other than being in the crush zone it was much more comfortable 😀
Ooo yes I'd have a Berlingo (new shape). Abit of dust/dirt and dents and it'll look a bobby dazzler. Citroen run deals all the time too.
haha - worth noting though that its ONLY the XTR that has the 3 seats - the others are 2/1.5 and 1
Kenny Senior, have you considered PCP rather than leasing? just a thought.
you still don't own the car at the end of the PCP period, but you do then have a choice of what to do with it:
a) give it back. If you've exceeded the agreed mileage there'll be an excess to pay
b) buy it outright - either a one off payment or a further loan, or in some cases, re-PCP it again
c) use it as a PX on the next one. The value of the car will almost certainly be higher than the balloon/MGFV (Minimum guaranteed futur value) so you will have equity for the trade in. In some cases the excess you'd pay if you simply gave it back would not be applicable
John, yes I have, I'd be happy with that too, as you say it gives flexibility.
ive looked at leasing/pcp etc a few times and always end up just buying, be it a loan/finance/cash.
even more so if for private use.
print the deal off from the broker and go into the local showroom and see what they can offer
If you must have a vehicle under warranty. Then the Toyota and Vauxhall deals are pretty good.
Kia Carens? If you're looking at the Verso, the Carens is slightly bigger, slightly newer, and slightly cheaper, with a 7yr warranty. Don't know if they have quite the reputation for reliability that Toyota do?
http://www.nationwide-cars.co.uk/cars/kia_carens_diesel_estate_d60217.asp
Here you go. A middle spec diesel, under £17000, so borrow £15000, which is about £275 a month for 5 yrs, then you own a vehicle that still has 2 yrs warranty left. Ok it's 5 yrs to pay not 3, but once you're lease is up you'll be paying for something else somehow.
Never seen leasing as a genuine option for a private buyer unless you happen upon a cracking deal. Whilst ownership has its risks there's plenty of good options highlighted. Dare I say you could afford a nice VW Shuttle, Caravelle or Kombi with a budget of £12k over 3 years as the depreciation is seemingly minimal (when you're looking at buying one anyway!).
If I EVER am considering a Kia Carens, please shoot me...
🙂 are they THAT bad? For what the OP needs/wants? I thought Kia's were ok these days - I must be getting old...
Kia and Hyundai aren't cool, but they are sensible.
Kia's are good for people who want to avoid public transport. That's it. Absolutely souless things. Like a jam donut without the jam. Toast with margerine instead of butter.
Describe a Kia?
The white goods of the automotive world, work well with brilliant reliability.
Like a jam donut without the jam
Mmmm, (plain) donut! Want.
😆
"Hyundai aren't cool, but they are sensible."
im by no means a car snob - netiher am i horrendously tall or freekish in any dimension but hyundai could be a much better car if they employed a western ergonomist.
i never did enjoy the fact i couldnt put the sun visor down (as it was in the house at home as it sat at eye line - if i wanted to reach the steering wheel while sat in the car..... stupid design (i inherited the car)
parts were silly expensive as well.
There is three proper seats in the back of a Peugeot 307 sw editions. Also you can put two extra seats in the boot. Not much space in the boot ones but ok for short trips.
Kia have got Soul, saw one on Sainbury's car park last week. 😉
hora - MemberKia's are good for people who want to avoid public transport. That's it. Absolutely souless things. Like a jam donut without the jam. Toast with margerine instead of butter.
There's plenty of other cars that could be levelled at - VW's, Audi's, Peugeot's, Toyota's, Ford's........
Most soulless car I've ever driven was a Passat. It did everything OK, but might as well have been a washing machine for all I cared. Car design by 'committee' or something.
I once testdrive a auto 2.0 petrol 2004 Passat estate. I can only describe it as ****ing bland. 🙂
As others have said, I don't think personal leasing works that well unless there are amazing deals at a given time. The high mileage will kill it too. Saying that though, there are plenty of people on PH who manage to make it work / pay for them.
The only deal that tempted me was an M135 auto, 20k per year and fully maintain at £380inc vat per month. My issue was forking out the 6 months up front and never seeing a penny of it again.
I'd seriously be looking at buying something - at a year old or so it should have shed a reasonable amount of money but still have two years of warranty (more if Korean).
I don't think the likes of Kia and Hyundai are the jokes that they used to be. In fact some of their cars look far better than what is being churne dout by Ford and Vauxhall.
"Most soulless car I've ever driven was a Passat. It did everything OK, but might as well have been a washing machine for all I cared"
and for many folk my self included the car is not infact a toy - it is an appliance bought with the sole purpose of gettting me and my shit from A-B in a timely and safe manner with maximum reliability and minimal cost.
[i]and for many folk my self included the car is not infact a toy - it is an appliance bought with the sole purpose of gettting me and my shit from A-B in a timely and safe manner with maximum reliability and minimal cost.[/i]
+1 : Toys are for kids and there are too many of them driving around as it is.
I think your sums are probably OK but IMO your logic isn't.
If you drive 18k miles per year and you need something to take you, your wife and 3 kids in comfort with adequate safety and reliably why not buy a late 90s - early 00s Honda Stream 1.7 or 2.0 iVTEC import for about £4 to £4.5k with c50k miles on the clock?
Yeah they're not a fancy new car with DRL, digital speedo etc. but they are known to be very reliable and well made. Running costs in terms of MPG will be higher, insurance could go either way, VED will likely be more, servicing might be similar.
Checkout the Goodmayes website ( http://www.goodmayesmotors.co.uk/mpv-used-cars) to see what I mean.
If you already have £2k for a deposit you can add to it by borrowing the rest over 1 year (you could even whap it on the plastic) and in 1 year you'll own a car worth £4k'ish and only have the usual running costs to support, and in 3 years you'll have saved some money and own a £2-3k car with 100k on the clock with alot of life still in it.
You could put the savings you make to one side and treat the family to a holiday, invest for the future, add to the kids' Uni fund, buy a newer car ...hell, you could even spunk it all on a s****y Santa Cruz, imagine that!
But, if you really are happy with and can justify the financial burden go for it.
trail_rat - Memberand for many folk my self included the car is not infact a toy - it is an appliance bought with the sole purpose of gettting me and my shit from A-B in a timely and safe manner with maximum reliability and minimal cost.
True. I never said that wasn't OK. I also didn't say that a car had to be a 'toy'. I said that a Passat was 'soulless'.
My comment was made in reference to hora moaning that a Kia was 'soulless'
hora - MemberKia's are good for people who want to avoid public transport. That's it. Absolutely souless things. Like a jam donut without the jam. Toast with margerine instead of butter.
Describe a Kia?
when in fact there are plenty of other cars out there that the 'soulless' claim could be levelled at.
Funnily enough, I said pretty much what you did above, just the other day in the 'petrol or diesel' thread....
stumpy01 - Member....blah blah, bollocks.....
Unfortunately, a car for me has become pretty much an appliance rather than something to particularly enjoy.
TBH (as mentioned earlier) - whats wrong with the Berlingo XTR? They aren't unreliable. I ran a 1.6 petrol 07 Citroen for 10months for 11k. I took it to France/Belgium/Scotland etc and forgot to get breakdown cover- thats how much I subliminally came to trust it.
It'll be a family workhorse, ace sliding doors, big space/flexible and dependable. People joke about the Octavia being the STW'ers car however I think its always been the Berlingo. Says alot really.
why more cars dont have sliding doors ill never know - great in carparks , great for loading the kids into the back seats.
ok you look like a taxi but see my point above - its just an appliance to me.
ive got one on 99k - owned since 35k and another on 90k owned since 80k
only once has the higher milage one failed to return to base in 5 years - and it was a battery failure that id been pushing my luck on anyway - result, gave it a bump start and away we went to the battery shop.
**** it. When its time to change my beaut I'll get a newshape Berlingo 😀
Thanks for all the comments, even yours hora 🙂
I've put the leasing idea on the back burner. I couldn't quite persaude myself that last bit to do it, which has been reinforced by this thread.
A little puddle hopper for a few hundred quid deposit and £100 a month, that won't get ruined by children, still makes sense to me though - if that were my situation!
Glad to see logic prevailed!
What are you planning to buy now?
Same sort of thing as that is what I need, I'll have to go and look at the other options for buying one
Well I've just been having an interesting discussion.
My boss is paying £290/month for a new Kuga.
I bought a Mondeo just over 2 years back for £8000 which is now worth apparently tops £3500 trade-in.
So for arguments sake we'll call it £2250 a year in depreciation cost. Add to that the £180 a month I pay for the loan I took for the car.... that's £400 a month down.
Leasing I can get something nice for less than that... pay off the loan remainder and have enough for deposit instalment....
Hmmmmm
I think your maths is wrong, you're double counting somewhere.
Borrowed £8k*, repaid (24x180) = £4,320, your outstanding balance must be not too far off the current value of the car ?
Sell car, clear loan, net zero. Your actual cost is just the 24 x £180, non ?
* assuming you did this.
Sundayjumper - MemberI think your maths is wrong, you're double counting somewhere.
Borrowed £8k*, repaid (24x180) = £4,320, your outstanding balance must be not too far off the current value of the car ?
Sell car, clear loan, net zero. Your actual cost is just the 24 x £180, non ?
* assuming you did this
Loan was £7k.
Essentially I owe on the car what I'd get for it now yes.
So, working it out then as that all being now £0 either way...
I'd have a new car for £260/month instead of another used car for £200/month (Which would be the figure for me to change my loan to buy an £8000 car over 36 months)
Except weeksy you can keep the car and carry on to the end of the loan.
It is now yours and you it is worth £x.
And now you can drive it for 'free' - unlike a lease, where you'll still be paying.
b r - MemberExcept weeksy you can keep the car and carry on to the end of the loan.
It is now yours and you it is worth £x.
And now you can drive it for 'free' - unlike a lease, where you'll still be paying.
Well when you consider the car is now on 95,000 and in the 22 months time that it's paid off, will be worth ... maybe £1500.... then it's not really a massive 'free' is it... it's a possible free or a possible money pit, especially if within them 22 months it needs discs, stuff, DPF, etc... .then it's getting into a negative potentially instead of a positive.
so you either bought it with high milage - or have put high milage onto it.
or if your doing big miles its unlikely youll get anything nice milage adjusted for sensible money.
I'd hazard a guess that if it's on 95k now and you're planning to keep it for a while yet, it [b]will [/b] need new discs and pads, and probably tyres too, at some point. They're "consumables"; like fuel, oil and road tax (mostly) they're inevitable
trail_rat - Memberso you either bought it with high milage - or have put high milage onto it.
or if your doing big miles its unlikely youll get anything nice milage adjusted for sensible money.
I bought it with 43,000 and have put 53,000 on it in 2 years 2 months.
However due to many circumstances I expect that to drop from 25,000 a year into the high teens, possibly 20,000 a year this and next few years. So could get say a Honda CR-V for £270 for 3 + 36.
At 20k miles a year you're pushing it, but a new lease car will (obviously) arrive on new tyres wheras a s/h car probably won't so there's some kind of saving in there. On a 24 month lease with a sensible mileage you *might* get away with only paying for one oil change and never needing tyres, discs etc.
And IIRC leases often include VED ? Worth checking.
I hate these threads, I end up going around the same logic loop myself !