Re: About to buy Brera V6...
What's your final payment - the GFV, also look at your mileage penalty 12K is low for a car like this?
looking at the raw numbers:
2.8K + 36 * 359 = 15724 is what your're paying..
3.2SV V6 = 29250- you not putting any extras on it - blue andme is well worth it if you can for £300.
tax is over 200 / year servicing for 3 years will be 375 so call that another grand...
lets say your paying 6% or so pa = probably another 5K interest..
so you're paying back 16K to get 30K of car + 1K running costs plus interest (5K). I'd say you will owe them around 20K at the end of it and have a car worth under 15K unless the residuals have firmed up heavily, so you will have nothing at the end of 3 years to put towards another car.
So you're borrowing 33K paying back 13K. if you want to get your deposit back for the next car put away about £100 per month that brings the numbers somewhere into sanity...
I'm paying significantly more than that over 42 months on 20K/year with no servicing - and got a good deal at the time although my SV is fairly loaded. I also expect to get my deposit back and probably a bit more -but only paid a very little one.
The only thing I can think of is the dealer needs to get a car out the door and is giving chunks of his profit away - and hopes to make it back on warranty work and vehicle churn
I may of course be wrong as it's late but look at the end of your contract hire as this will be where the sting is....
You are gettign depreciation - you are effectively paying 16K plus insurance/tyres etc to run a car for 3 years with nothing to show at the end -but miles and miles of smiles...
if it works for you - go for it.
Alfa V6 - the ultimate aural pleasure
Simes - the Alfaowner formerly known as Alfa156man