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Old 12.06.2011, 20:52
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Car Dilemma

I have a car at home which is on its last legs and I planned to replace it then ended up moving here a few months back, I am so used to having a car I cannot live without one - I can get one on HP at home easy enough but I plan to stay here long-term so would need to be a left-hand drive, is it possible/difficult to obtain finance on a car in Switzerland? Any tips? Should I buy in another surrounding country and import it? Costs?

Any help would be greatly appreciated I love nothing more than to get in my car at the weekend and just drive somewhere!!

Thanks in advance
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Old 12.06.2011, 20:53
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Re: Car Dilemma

Welcome to the forum.
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Old 12.06.2011, 21:19
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Re: Car Dilemma

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I have a car at home which is on its last legs and I planned to replace it then ended up moving here a few months back, I am so used to having a car I cannot live without one - I can get one on HP at home easy enough but I plan to stay here long-term so would need to be a left-hand drive, is it possible/difficult to obtain finance on a car in Switzerland?

It depends on your disposable income. If you're broke, they don't lend you anything.
How much money do you want to spend on the rate each month?
How much saved up money do you have/want to spend?

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Any tips?
Buy at least one level below (in terms of price, style, luxury-factor) of what you think you absolutely need.
Turns out, it's usually enough.

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Should I buy in another surrounding country and import it?
Depends on the car and the price-difference between here and there and your budget and how much your time is worth.

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Costs?
A couple of hundred CHF + 4% import tax + 8 % VAT. If you buy from a dealer, you don't have to pay the VAT in the country you import from.
Search the forum. Or see the Website of the Swiss customs: http://www.ezv.admin.ch/index.html


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Any help would be greatly appreciated I love nothing more than to get in my car at the weekend and just drive somewhere!!
Ah, but you can also do that with trains here.
Especially if you have a GA....
Also, you're not stuck in traffic jams this way.
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Old 13.06.2011, 00:30
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Re: Car Dilemma

Thanks for the reply, I have around 10K CHK I could use for a deposit and prob wouldnt miss 1K per month although would prob prefer it around 500-750 ideally..
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Old 13.06.2011, 00:59
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Re: Car Dilemma

you can buy a decent second-hand car for CHF 10k, so no need to get credit. It's a waste of money.

Compare prices on autoscout24.ch
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Old 14.06.2011, 08:56
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Is the 1k just for finance or is that incl insurance, petrol, service etc?

Depending on that your option will obviously vary.

With a 10k deposit and 1k payment you will be able to get something reasonably interesting.
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Old 14.06.2011, 09:22
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Re: Car Dilemma

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Is the 1k just for finance or is that incl insurance, petrol, service etc?

Depending on that your option will obviously vary.

With a 10k deposit and 1k payment you will be able to get something reasonably interesting.

Indeed.
Put away 1k/year for insurance and about 1k for maintenance + taxes.
(All depending on the car, of course).
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Old 14.06.2011, 10:12
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Re: Car Dilemma

Don't tie up loadsamoney on something big, impractical and expensive .... and 2nd-hand.

Get yourself to a main Renault dealer and have a look at their Romanian offspring Dacia (but with Renault engines).

I have no flag to fly with this company, but have previously recommended their 4x4 as a cheap alternative to more expensive ones.

For me, a cheap and cheerful alternative to the over specced, over complicated and over priced other makes on the market is long overdue (but wont last forever) - especially for those who just require personal transportation - and not an image.

You can have the advantage of a brand new, dealer supported car, chuck some extras at it and still not have too big of an outlay. Use a chunk of your 10K for deposit, and see what they offer in finance.

Everyday, I'm seeing more and more of this make on the roads - which tells me, for some (many?) people it's price and not gadgets and gizmos that talks loudest.
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