Cheers....
Think im gonna have a little think... certainly gonna go back to the dealer with a new offer and see if they will move as many people seem to be getting better deals on the 200 than they have quoted me....If they can move closer to £16.5k then I think my mind would be made up
Get a 200, but not on cost savings, because there will be little if any money saved on getting a new one. What you're spending to maintain the R27, you're gonna pay the same for the 200. Plus you've already lost +£5K already on depreciation plus interest on loan and you want to do that again with the 200? At the end of a typical 3 year loan term on the 200, you'd have lost over £10k on depreciation + interest on 2 cars. Like I said, buy the 200 if you really want one, but don't kid yourself that you'll save money buying a new car!!
1- I never said I was saving money- just suggesting the cost of servicing/parts on this one might be better put towards a new motor. I have said many times(and dont really want to say again) I understand the negatives of owning a new car but in my experience have found the positives to out weigh them.
2- The loan would be 0% - as was the last one which I paid off in a year
3- I lost 4.5k in depreciation on this one(dont know how you make it 5k +) but havnt spent anything else on it, and if I lost the same on the next then ive lost £9k in 6 years..... which means im loosing £1.5k a year...... when I was driving second hand cars I was finding the price of repairs, servicing, mot was averaging out at £1k per year..... so its costing me £500 a year more to have a new car every three years than it was driving a 5 year old car. To me the depreciation is worth it to know I have a brand new, perfect car with no reliability issues and no suprise bills... you may disagree but thats why I like new cars....thats why people buy them you know.
4- You say "What you're spending to maintain the R27, you're gonna pay the same for the 200" - wrong- the point is I havnt spent anything on this yet apart form £150 for a service- but if I keep hold of it I will be spending money on it that could pay for a years worth of repayments on a new one and be paying that off rather than keeping hold of a depreciating car..... and if I get a new one and trade that in before 25k miles then I probably wont have spent anything on that either.
5- Dont think some people realise that when you buy a new car in some ways you are faced with two choices. Either you keep it for 10 years+ - get your moneys worth then start again(which would be foolish imo) or you need to change it fairly often to keep the trade in/resale value of the car at a decent level- yes I might be changing this a little premature but thats because I am being offered imo a decent trade in price.
Advice is great- positive or negative.....but I dont really understand why so many of you seem to enjoy getting on your high horse about the pit falls of buying a new car and seem to actively enjoy picking apart every post I make.
Sorry if that sounds like a bit of a moan- I wanted positive and negative opinions so thats all cool and there are some usefull points/advice being made in here and thats what i was after so cheers for that.
Main thing I wanted to know was if people had any main objections to the new clio 200- and if anyone had any suggestions of other cars that are better deals.... that doesnt seem to be the case- none of you seem to have any main objections to the car itself- as has been said its had glowing reports all around.... main problem people have is that they either like the look of my car more/or think buying a new car should be enough to see you end up in a straight jacket.