Delivery of the new Panamera
My husband bought his first Porsche about 3 years ago.(in Japanese history)981 Boxster GTS)When we bought the My husband had been saving for a while to buy a Boxster, so we paid about 70% in cash and the remaining 30% in a loan. Why did we pay 70% in cash instead of a full loan?Everyone who buys a luxury car like a Porsche does so with a lump sum cash payment."So he decided to pay as much as possible in cash.
However, when my husband told the dealership manager at the time, Mr. H.
No, that's not true. Everyone buys quite a lot with a loan.
And then I was told...What? Really!"He was very surprised.
So, after thatBuy PanameraWhen the company did, it took out a loan for the remainder of the order, except for the reservation deposit for the order.
But if it's a loan, don't you have to pay the interest on top of that, so you end up losing money?"I asked my husband.
No, they don't.
I thought so too when I was a businessman. Besides.It's cooler to buy a luxury car with cash."I thought.
But.For cash flow and liquidity on hand, it is better to keep cash on hand, even at the cost of interestI realized that I had to do something about it.
besidesPorsche is less priced than other manufacturers.It's better to take out as long a loan as possible and reduce your monthly cash outlay from the When you sell, you'll get a good price there, and you may get some of what you paid back or even get a break.
He said. I'll try to elaborate a little more.
(1) Consider cash flow and keep cash.
It would be the same as running a business, for example, if 10 million yen of cash were to disappear from the account all at once, you would have to come up with new money to pay for annual maintenance, repairs, and inspections. On the other hand, if you make monthly payments with a loan, you can use the money for maintenance and inspections, and you can even invest it in other things. In addition, theIt is safer from a cash flow perspective to have cash on hand in case of emergency.
If you are a millionaire who has so much of his assets in cash that "buying a 10 million yen car in cash would not hinder you in any way," you could buy it in a lump sum cash payment with no interest.'Generally speaking, I wouldn't dare to buy a lump sum in cash.'This was the case.
(2) Porsche has a good resale.
Porsche has a lower price drop rate than other cars.In addition, if the car is a GT type or a rare and valuable model, it may fetch a higher price when sold than when a new car is purchased.If so, it is better to take out a long-term loan with a residual value and pay a little each month.
On the other hand, if a car with a high rate of price decline is paid for with a long-term loan, the remaining loan balance cannot be offset against the sale price, and additional payments may have to be made at the time of sale.
Also, when purchasing a PorschePorsche Auto Loanand ... andPorsche Power Loan."You can also apply for loan services such as
Porsche Auto Loan, down payment, number of payments(6 to 60 times)Bonus combination, etc.Loan programs that allow you to choose the best payment plan.Porsche Power Loan, on the other hand, is approximately 40% of the vehicle value at the time of loan application.(in the case of 36 payments)is paid in the final installment after three years as a deferral amount.Significantly lower monthly payments compared to regular auto loansThe following is a summary of the results of the study.
Therefore, he said, there is no particular shame in buying a luxury foreign car like a Porsche with a loan, and in fact, it is a smart way to buy a car, so it is better to use a loan with peace of mind.
