_Tone_ Posted May 3, 2006 Report Share Posted May 3, 2006 Hi Guys I have been umming and arring about getting a Boxster, I currently drive a 2.0tdi golf and an A3 2.0tdi dsg sport so we are gonna get rid of the VW for this. I set my monthly installments and was going to get this via ltd company but have decided against that now, so am looking at a balanced payment option. the finance chappie said this was the way that most buyers paid for their car. Is this true? I know this "financing" discussion is personal so I wont ask too much but would be interested to know if the dealer is correct. I am looking at a new Boxster 2.7 Tip with 18" S wheels, Guards red, with red seat belts and wind deflector, dual chrome tailpipe, cruise control & heated seats. Is there anything else I should get for future saleability? I have looked around for a second hand car and it seems even the 2-3 year old cars are around the £25-30k so I have decided to get a new one and its looking at around £38k with my options. I have read most of the other posts here about the auto box, thing for me is I really want to ensure the current mrs windfall gets to drive it so she needs an auto and to be honest the amount of traffic I hit daily I could do with an auto. The change from a golf to a boxster is so great that I dont think I will miss the 1 sec difference! One Q is the PASM worth getting. Thanks for any help! W Link to comment Share on other sites More sharing options...
DHA Posted May 3, 2006 Report Share Posted May 3, 2006 PASM yes...but only if you have a manual to be honest. With the tip you wont be able to drive it as comitted (sorry am a bit pissed so might ramble) as a manual car. I would limit the spec as much as you can to be honest. If you trade back to an OPC they will ignore the options. Have you tried freeway? www.freewaycars.co.uk thats who a few of us are with and they are a lot cheaper than Porsche finance. Link to comment Share on other sites More sharing options...
Chrisg Posted May 3, 2006 Report Share Posted May 3, 2006 Reading Porsche told me about that finance.... seems ok ish but not having finance for cars it's difficult to judge. I think they quoted me about £3k over two years for £25k. Seems that it is geared towards those who get big bonuses ! pay some ( or trade your old one) so much a month for 1 2 or 3 years pay off the balance in one go with you bonus trade in the old one and start again..... Wouldn't you be better off with a year+ old 987 S ?? Sorry you buy what YOU want !! Link to comment Share on other sites More sharing options...
ggibb Posted May 3, 2006 Report Share Posted May 3, 2006 One thing I wished I had added is climate control. But I was on a very tight budget at the time of placing the order. I tried to get it added a month before they actually built the car but they wouldn't change the spec once the build date was settled. Link to comment Share on other sites More sharing options...
_Tone_ Posted May 4, 2006 Author Report Share Posted May 4, 2006 Hi Guys Well I have a quote from the OPC and to be honest its close to my required monthly investment although I am looking at a larger deposit now. I looked at the freeway and the OPC is more competitive at the moment! I have decided to go for manual as well - so that I can spec it up a bit more (drive a manual now and mrs Windfal can buy her TT with DSG) that gives me £1760 of options to install. I noticed the PCM offers MP3 so getting that would mean I can delete the 6 CD changer. Also I have decided to drop the options that can be retrofitted because I dont want to pay interest on those if possible and I can get the odd option fitted afterwards and pay cash (well CC) for it in full. Is the bose well worth it or is the sound package plus ok? is the fully auto air cond really needed? I have ended up with a ridiculous spec now though!! Wind Deflector, Cruise, Chrome Pipes (retrofitted I guess) Boxster 18" wheels, Heated/Leather seats, Guards red with red seatbelts, bose, and thinking of the PASM with 6 speed!! I was origionally contract hiring but as I will keep this for 3 years I guess I will spec it up as I want! thanks for the pointers this far. Delivery is for Oct/Nov so I will have a long frustrating wait! Couple of other things - Wheels does anyone use OEM wheels? and what is the Porsche vehicle Tracking system like although I use elephant.co.uk and they dont stipulate a tracker but just wondered! Thanks W Link to comment Share on other sites More sharing options...
Gareth Posted May 4, 2006 Report Share Posted May 4, 2006 Hi, A few words of advice... I would certainly recommend the BOSE system and you should really spec the Sound Pack as a minimium really. The market expects a Boxster to have some kind of sound system upgrade as the std one is not great really. The Automatic Climate Control upgrade is also expected so you should really spec that over the std A/C. The rest of the spec sounds great and Guards Red is a bold choice The Porsche VTS system is expensive and only really worth having if a) your insurer wants it and b) you would want the car back if it was ever stolen. I'd also issue a word of caution on Porsche finance. They are usually not very competitive on their percentages over the Finance House Base Rate (FHBR) plus as they are underwritten by Capital Bank they have punitive settlement charges. If you take out a 3 year agreement and decide to move on from the Boxster before it ends the calculation for the settlement is one of the worst on the market for car finance. Send me a PM if you want an alternate recommendation Cheers, Gareth. Link to comment Share on other sites More sharing options...
Tizzy Posted May 4, 2006 Report Share Posted May 4, 2006 Hi - Your spec sounds good, but the price of the car must now be quite high. It's worth bearing in mind what others have said here that OPC's take virtually no account of options when valuing your car for P/Ex purposes. It's only my opinion but having owned two Boxsters (albeit 986's) both a 2.7 and an S, I would seriously consider the S - many of the spec items missing on the 2.7 are standard on the S -and it really is a very different car. There are also a lot of very well specc'd 5-12 month old S's on OPC's forecourts at the moment......... NB: I also used elephant.co.uk for my 2004 S and they didn't stipulate a tracker, so I didn't fit one! Link to comment Share on other sites More sharing options...
_Tone_ Posted May 5, 2006 Author Report Share Posted May 5, 2006 Hi Chaps The spec I am looking at is coming in at around £37,300 - which isnt too bad but having looked around I am still finding decent <1 year old cars for anything between £34-40k so I feel I have to go for new plus its my 40th this year so it would be a great pressie. I have been advised that delivery could be in Sep. I spoke to 2 dealers re the Guards Red and they both assured me it was a good choice - Speed Yellow - Nooo! I think for the price of metallic I could have Leather and almost heated seats, thats all! I certainly hear the issue of trade-ins on the extra spec - BMW used to be the same! So I always sold privately which extended the options "net worth". Cheers for now W Link to comment Share on other sites More sharing options...
DHA Posted May 5, 2006 Report Share Posted May 5, 2006 Saw a guards 2.7 yesterday on the M25 with the 18" wheels and it did look nice Link to comment Share on other sites More sharing options...
Ben Posted May 5, 2006 Report Share Posted May 5, 2006 [ QUOTE ] Hi, A few words of advice... I'd also issue a word of caution on Porsche finance. They are usually not very competitive on their percentages over the Finance House Base Rate (FHBR) plus as they are underwritten by Capital Bank they have punitive settlement charges. If you take out a 3 year agreement and decide to move on from the Boxster before it ends the calculation for the settlement is one of the worst on the market for car finance. Send me a PM if you want an alternate recommendation Cheers, Gareth. [/ QUOTE ] Gareth, I agree and disagree with what you are saying: Agree: - Capital Bank completely suck when it comes down to settling early, their customer service is dire at best, and their penalties are pretty harsh. I am still waiting for a breakdown of my settlement figure for the CSL - nearly 6 weeks on. Disagree: The Porsche finance guy (you know who) told me that early settlement with them would incur 10 days interest as a penalty as virtually all customers don't go the whole term. I'd best get checking my paperwork. Re: spec, when I was looking, the red cars seemed to be around for an absolute age and were perhaps a bit cheaper. Personally I love the colour, but call a couple of other dealers and ask them whether they'll hit you because of it come resell time. Cheers Ben Link to comment Share on other sites More sharing options...
Ben Posted May 5, 2006 Report Share Posted May 5, 2006 I take some of that back, Capital Bank have now paid back the payment they took after I'd settled, plus a bit more. Still no idea how their figure was calcualted and why I've been credited the amount I have! Their settlements team cannot don't know how to calculate a settlement figure - they just take it off the system. That's how bad it is. Link to comment Share on other sites More sharing options...
Hopsta Posted May 5, 2006 Report Share Posted May 5, 2006 Beers on you lunchtime then Link to comment Share on other sites More sharing options...
_Tone_ Posted May 5, 2006 Author Report Share Posted May 5, 2006 When you guys said Capital Bank I gulped! Up until about 8 months ago I had a very bad debt with them after a divorce! I have cleared it and its off my credi file but I did worry! In the meantime I have asked for a proposal to see if I can get the credit line I need and have had to submit 3 months of payslips. Bjacks am glad to see you got some positive results from them! Out of interest do you generally ask for a settlement valuation from time to time anyway? about every 6-9 months I call up to see what I owe. Cheers Link to comment Share on other sites More sharing options...
Ben Posted May 5, 2006 Report Share Posted May 5, 2006 It was positive, but not that positive (you should have asked earlier Graham ) They are such a bunch of idiots on the whole. Link to comment Share on other sites More sharing options...
Gareth Posted May 5, 2006 Report Share Posted May 5, 2006 [ QUOTE ] [ QUOTE ] Hi, A few words of advice... I'd also issue a word of caution on Porsche finance. They are usually not very competitive on their percentages over the Finance House Base Rate (FHBR) plus as they are underwritten by Capital Bank they have punitive settlement charges. If you take out a 3 year agreement and decide to move on from the Boxster before it ends the calculation for the settlement is one of the worst on the market for car finance. Send me a PM if you want an alternate recommendation Cheers, Gareth. [/ QUOTE ] Gareth, I agree and disagree with what you are saying: Agree: - Capital Bank completely suck when it comes down to settling early, their customer service is dire at best, and their penalties are pretty harsh. I am still waiting for a breakdown of my settlement figure for the CSL - nearly 6 weeks on. Disagree: The Porsche finance guy (you know who) told me that early settlement with them would incur 10 days interest as a penalty as virtually all customers don't go the whole term. I'd best get checking my paperwork. Re: spec, when I was looking, the red cars seemed to be around for an absolute age and were perhaps a bit cheaper. Personally I love the colour, but call a couple of other dealers and ask them whether they'll hit you because of it come resell time. Cheers Ben [/ QUOTE ] Ben I feel a bet coming on... What the OPC finance guy says is one thing...what is the truth is another.....(and I was recommending an alternate lender to you for your agreement if you recall..) Let me know when you have checked the paperwork and called Porsche Finance Link to comment Share on other sites More sharing options...
r1flyguy Posted May 6, 2006 Report Share Posted May 6, 2006 gents, i pais a lot for my car, over the odds some might think, BUT i don't think so, i bought a fully loaded 9apart from tel module) boxster S reg'd 01/01/2003 (revised model) ith just 4500 miles on the clock, i flew to Edinburgh to pick it up and to date there is only 8200 miles on the clock and love it, it's special feature is the two tone leather interior which looks awesome, just look around it took me 6 months to find this one and i'm chuffed to bit's, don't settle for second best, look at what you want (specs) and don't buy one until you have found it as you will be dissapointed otherwise, and the extra cost is still worth it if you get what you want. regards, will post photo's if anyone is interested. Link to comment Share on other sites More sharing options...
SNuRCHeR Posted May 6, 2006 Report Share Posted May 6, 2006 we could have a new thread with peoples photo's and specs on. Eye up the competition Link to comment Share on other sites More sharing options...
_Tone_ Posted May 17, 2006 Author Report Share Posted May 17, 2006 Hi all I have been out in a 2.7 and 3.2 car and I really enjoyed it. The dealer is giving me a (2.7) car on Friday for the day so I should get a good drive on my own allowing me to figure it all out and give the car a run. I have pretty much narrowed my spec down and chose lapis Blue as my colour choice only to find that the 2007 model is going to have Lapis Blue as a £1543 paint job and not the usual £543 but Cobalt is going on the normal list! I expect to order a car on Friday now and then have a build slot in Sep for delivery at the end of sep beginning of october. Just a couple of other questions if I may ask! Cost of 18" tyres and life of break pads and disks and costs? Anyone able to give me an idea on these costs? Thanks T Link to comment Share on other sites More sharing options...
Adam Posted May 18, 2006 Report Share Posted May 18, 2006 [ QUOTE ] Cost of 18" tyres and life of break pads and disks and costs? Anyone able to give me an idea on these costs? [/ QUOTE ] life depend on how you drive - assume £200 for rubber needless to say never ever get the OPC to replace any of these things, service stamps only thank god you went manual shop around for a good finance deal, get it faxed over, get the OPC to match it, they will but they won't budge from the pathetic 8.9% (IIRC) starting position to you show them the better deal Link to comment Share on other sites More sharing options...
_Tone_ Posted May 20, 2006 Author Report Share Posted May 20, 2006 [ QUOTE ] [ QUOTE ] Cost of 18" tyres and life of break pads and disks and costs? Anyone able to give me an idea on these costs? [/ QUOTE ] life depend on how you drive - assume £200 for rubber needless to say never ever get the OPC to replace any of these things, service stamps only thank god you went manual shop around for a good finance deal, get it faxed over, get the OPC to match it, they will but they won't budge from the pathetic 8.9% (IIRC) starting position to you show them the better deal [/ QUOTE ] I have posted some stuff on boxa.net about the finance issues. I have figured out one thing. If I tell em I may buy the car for cash (via a seperate loan or cash cos I have a wealthy aunt who left me some money) I may get a really good deal by telling then I wanna pay cash. They will probably want to try and make some cash from finance somewhere and they may drop the interest to similar "savings" levels. A chap who purchased a car told me about this - he was offered a 2.9% deal because he was going to buy cash. Money in the right account can earn >2.9% I guess so it worked out ok for him. Alternatively I take a lombard quote in - they are offering loans up to £25k at 5.9% so with a bit of luck I will get it as low as that! I have ordered my car - spec to be added - I have taken on board what you chaps have said and am looking at a car (2.7) of no more then £35k - delivery in Nov which is cool for me cos it gives me some months to save a decent sized deposit and so on. Spec I have at min is Leather seats (part) 18" Boxster S Wheels Wind Breaker Sound Pack Plus On top of these I would love heated seats, cruise control, PCM & Xenon & Cobalt Blue -which for MY2007 it will be £543 and Lapis is being put on special paint. Also have found out my car will be coming with 5+bhp more power and the S will be the 3.4 litre engine from 2007 for this interested. I got a long wait though Cheers Link to comment Share on other sites More sharing options...
Adam Posted May 22, 2006 Report Share Posted May 22, 2006 [ QUOTE ] I may get a really good deal by telling then I wanna pay cash. They will probably want to try and make some cash from finance somewhere and they may drop the interest to similar "savings" levels. A chap who purchased a car told me about this - he was offered a 2.9% deal because he was going to buy cash. Money in the right account can earn >2.9% I guess so it worked out ok for him. [/ QUOTE ] don;t understand how Porsche would make any money on finance by lending at 2.9% Link to comment Share on other sites More sharing options...
_Tone_ Posted May 22, 2006 Author Report Share Posted May 22, 2006 Adam I really dont know - maybe they just wanted to make "something"? W Link to comment Share on other sites More sharing options...
Gareth Posted May 22, 2006 Report Share Posted May 22, 2006 [ QUOTE ] [ QUOTE ] I may get a really good deal by telling then I wanna pay cash. They will probably want to try and make some cash from finance somewhere and they may drop the interest to similar "savings" levels. A chap who purchased a car told me about this - he was offered a 2.9% deal because he was going to buy cash. Money in the right account can earn >2.9% I guess so it worked out ok for him. [/ QUOTE ] don;t understand how Porsche would make any money on finance by lending at 2.9% [/ QUOTE ] depends what the 2.9% refers to... Flat rate APR % over FHBR or BBR Link to comment Share on other sites More sharing options...
Gareth Posted May 22, 2006 Report Share Posted May 22, 2006 [ QUOTE ] Adam I really dont know - maybe they just wanted to make "something"? W [/ QUOTE ] unlikely..it's another profit centre for the dealer Link to comment Share on other sites More sharing options...
Adam Posted May 29, 2006 Report Share Posted May 29, 2006 flat or APR they would nmake a loss surely who quotes car finance at a % over base rates ? bloody misleading if they do Link to comment Share on other sites More sharing options...
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