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Why not pay in the £37k from the shares at the start and save 5 years of interest on that amount?
Shares might grow more than the percentage APR on the PCP, but always a gamble the way the stock market currently is with world events.
 
That may turn out to be a great deal if technology moves on quickly. I think I'd sit tight on the pcp for a bit to have that guaranteed residual.

Volkswagen charge about £15k interest payments. They’re well protected…

Technology won’t move on that quickly, Volkswagen have an interest to protect. The next gen in 3 years might have a range of 300 miles compared to the current 250 miles. But again, the new price will have increased to suit…
 
But wish they’d go hydrogen.
You could buy a Toyota Mirai but..
Wish again.
There are only about 14 hydrogen fill up points in the UK.

Stick with the expensive diesel for the next 10yrs.

I read that during the lockdowns when everything stopped, the usa had a 13% decrease
in carbon emissions.
Thats when everything was stopped, so how can the forecasted target be realistic ??
 
You could buy a Toyota Mirai but..
Wish again.
There are only about 14 hydrogen fill up points in the UK.

Stick with the expensive diesel for the next 10yrs.

I read that during the lockdowns when everything stopped, the usa had a 13% decrease
in carbon emissions.
Thats when everything was stopped, so how can the forecasted target be realistic ??
That’s correct, and Globally it was 6.3% in 2020.
 
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