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Old 19.04.2018, 09:37
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Another "new car advice thread"

We're coming to the point where we're thinking of changing our Santa Fe while it's still worth something. Keen on the new Tucson as we've been very happy with the Hyundai up till now, but don't need such a large 7-seat option as the kids are both now driving themselves. Also want to stay with an SUV as we both like the ride height and visibility advantages. I found the following in Autoscout that are both fairly close by:

Tucson TGDi for 31000.- and Tucson TGDI Plena for 34550.-

They have identical engines, but the bells and whistles are slightly different (but might not be exactly as described). The 1st appears to be an import, hence the lower price, so what are the disadvantages of an import exactly? I've read that some guarantees and service packages might not be valid and that the Swiss spec is generally slightly better, especially with regard to safety features.
The plan would be to trade in the Santa Fe, take out a two or three -year lease on the rest and keep it at the end.
Thoughts?

Edit: just an afterthought, our local mechanic has a good working relationship with the Plena dealer, which might make servicing etc a little easier.
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Old 19.04.2018, 09:51
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Re: Another "new car advice thread"

If you plan on owning it anyway - is leasing really the best option?

Or are there any tax-advantages that I'm not aware of that make leasing more attractive?
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Old 19.04.2018, 09:53
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Re: Another "new car advice thread"

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I've read that some guarantees and service packages might not be valid and that the Swiss spec is generally slightly better, especially with regard to safety features.
Are you sure? What I can say is that when it comes to the brands with long lists of extras do Swiss people on average tick more boxes than others. With a premium car can the difference be easily five digit which is all written off in a second hand car... so buying a Swiss 2nd hand car can get you some extras which are hard to find in other markets. But I doubt the specs of Hyundais will change much. Far too much effort for so a small country. And I particularly dont believe the difference would be security features as all those standards are EU ones Switzerland only piggy-backs on.


They will typically come up with some warranty and service package and a sticker. That has to be red and white and say "Swiss edition".

I wont otherwise comment on the car as I hate SUVs, especially the smaller ones. Recently had to accept a Renault "Captur" as a rental instead of the "Golf, Astra or similar" I actually booked. Apparently its even an "upgrade". Never drove a car with so little feedback.
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Old 19.04.2018, 09:55
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Re: Another "new car advice thread"

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If you plan on owning it anyway - is leasing really the best option?

Or are there any tax-advantages that I'm not aware of that make leasing more attractive?


Leasing with the goal of owning makes perfect financial sense: the credit is much cheaper than any other form of financing as you put the car down as security. So you dont need to fork out 30k but simply a small managable payment each month.
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Old 19.04.2018, 10:06
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Re: Another "new car advice thread"

But if I use those leasing-calculators, I end up paying more than if I just pay it outright.

Initial payment + 48*amount > sticker-price.
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Old 19.04.2018, 10:10
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Re: Another "new car advice thread"

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We're coming to the point where we're thinking of changing our Santa Fe while it's still worth something.
if the car is good, why not continue driving it. that will save you a lot of money.
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Old 19.04.2018, 10:10
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Re: Another "new car advice thread"

Disadvantages of an import?
- its not a car produced on “the special production line for Switzerland”
- its spoiling the rights and legitimate hefty bonus due to “great” Swiss dealers
- You will have to pay around 100chf so that some good Swiss people validate that your new European made car complies with great and unique Swiss roads
- If importing yourself you will have the chance to socially interact with Swiss customs agents.
-if not importing yourself someone will take a fair amount out of your “not paying more” ( cant call that a “saving”)
-The imported car will not work well as a Swiss car
-The imported car wont behave well with special Swiss quality petrol or diesel

On a serious note the only difference is the options which differs. A car shit edition might not have the same options as a car shit edition in Switzerland.
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Old 19.04.2018, 10:12
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Re: Another "new car advice thread"

Well, I said low interest, not no interest. There are some leasing banks that are agressively marketed by the independent used car dealers. They get a comission. They are also typically in those calculators.


The good deals are usually with the manufacturer banks - a lot of them offer great deals intended to make people buy new cars, but can offer the same rates for "approved" used cars.


When I bought my last car was the dealer even pushing the more expensive option and I had to proactively asked to bank with the inhouse one instead!
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Old 19.04.2018, 10:21
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Re: Another "new car advice thread"

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But if I use those leasing-calculators, I end up paying more than if I just pay it outright.

Initial payment + 48*amount > sticker-price.
Depending on the contract you might also be forced to have a more expensive insurance than you would do yourself, be limited with a choice in garages, and if for some reason you want to give the car back you will have to pay for every scratch and small dent. Sometimes a consumer credit is cheaper on the long run.
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Old 19.04.2018, 10:29
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Re: Another "new car advice thread"

I partly financed my first car (back when I lived in Germany).
Not sure if I'd do that again. Though, the car was an incredibly lucky purchase. 17 years with no breakdown. Just the (incredibly expensive) Swiss maintenance fee each year and some repairs.

People have doubts about buying property because it might go down in value 10 or 20%.

But people finance expensive cars - that are basically worthless after a couple of years - all the time.
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Old 19.04.2018, 10:32
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Re: Another "new car advice thread"

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if the car is good, why not continue driving it. that will save you a lot of money.

Great battery powered cars will appear around the 2020/2021 mark.

If you can drive yours till then, you'll save a lot of money.

Likely, petrol and diesel-powered cars' value will decline sharply then.

Hopefully, the charging infrastructure will be in place, too, by then ;-)
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Old 19.04.2018, 10:34
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Re: Another "new car advice thread"

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People have doubts about buying property because it might go down in value 10 or 20%.

But people finance expensive cars - that are basically worthless after a couple of years - all the time.
As my house is in Germany is it significantly cheaper than a Swiss equivalent. If it goes down 10% in value do I lose more than my car is worth. Significantly more. Thats why people pay more attention when spending a larger six digit number than when paying 30k for a Korean SUV.


With a house are the numbers big enough to care about the second digit behind the comma of your mortgage rate. With a car is it a cash flow question.
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Old 19.04.2018, 10:46
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Re: Another "new car advice thread"

OK, enough on the pros and cons of financing, anyone have an opinion on the cars themselves?
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Old 19.04.2018, 10:55
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Re: Another "new car advice thread"

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OK, enough on the pros and cons of financing, anyone have an opinion on the cars themselves?
they are like Swiss food: bland but nutritious and filling your stomach
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Old 19.04.2018, 11:11
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Re: Another "new car advice thread"

My opinion on small cross over SUVs


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Old 19.04.2018, 13:00
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Re: Another "new car advice thread"

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We're coming to the point where we're thinking of changing our Santa Fe while it's still worth something. Keen on the new Tucson as we've been very happy with the Hyundai up till now, but don't need such a large 7-seat option as the kids are both now driving themselves. Also want to stay with an SUV as we both like the ride height and visibility advantages. I found the following in Autoscout that are both fairly close by:

Tucson TGDi for 31000.- and Tucson TGDI Plena for 34550.-

They have identical engines, but the bells and whistles are slightly different (but might not be exactly as described). The 1st appears to be an import, hence the lower price, so what are the disadvantages of an import exactly? I've read that some guarantees and service packages might not be valid and that the Swiss spec is generally slightly better, especially with regard to safety features.
The plan would be to trade in the Santa Fe, take out a two or three -year lease on the rest and keep it at the end.
Thoughts?

Edit: just an afterthought, our local mechanic has a good working relationship with the Plena dealer, which might make servicing etc a little easier.

We bought an import Hyundai Santa Fe last year. The Swiss equivalent is listed as Vertex. Autonomous braking,blind spot assistant, adaptive cruise, self parking, electric tailgate... all present and correct. Came with a 7 year warranty rather than the 5 year Swiss one. Subject to a recall it'll be in an authorised Hyundai dealership next month for a steering wheel check and a service which dealers are obliged to carry out by law. The car cost a third less than a 'Swiss' car therefore I see no disadvantage in avoiding the 'Swiss' markup..
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Old 19.04.2018, 13:38
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Re: Another "new car advice thread"

Go for the 31k one.
However, the other has LED headlights. Do you do much night driving?
What is automatic shift by the way?
Otherwise the 31K looks nicer in white.
And white never looks dirty.
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Old 19.04.2018, 13:59
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Re: Another "new car advice thread"

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Go for the 31k one.
However, the other has LED headlights. Do you do much night driving?
What is automatic shift by the way?
Otherwise the 31K looks nicer in white.
And white never looks dirty.
Not a huge amount, but they both have LED headlights anyway.
Might also look at a couple of Mazda CX3s, apparently more fun to drive and a little more compact. Gone are the days of needing a "big" car.
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Old 19.04.2018, 15:08
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Re: Another "new car advice thread"

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Not a huge amount, but they both have LED headlights anyway.
Might also look at a couple of Mazda CX3s, apparently more fun to drive and a little more compact. Gone are the days of needing a "big" car.
+1 for the Mazda CX3. I liked it so much I now have two (one here, one in the UK).

Looks good. Great to drive. Famous Mazda reliability (I have now owned 6 in succession, never had anything go wrong).

Two minor criticisms. Not much legroom in the back and the boot is... a bit tiny.

I got mine here as an import so saved about 5k CHF - which made the car the same price as the one I bought in UK. Dealer provided Swiss Service package in with the price.

The only difference between mine and a Swiss model is that the manual is in Turkish...

Regards


Ian
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Old 19.04.2018, 15:27
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Re: Another "new car advice thread"

I might also prefer the Mazda, if you like to feel the drive, as opposed to getting from A to B. Will also be easier to sell later, although Hyundai have much improved.

Personally I’d avoid the lease, Migrosbank will give you 4.7% these days, allowing you interest tax deductibility and full ownership and insurance flexibility, especially as you plan to run it into the ground. You might also get a special cash price, especially on a nearly new model.

Good luck and enjoy the process!
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