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      12-23-2012, 04:00 AM   #10
davyk31
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Drives: Audi SQ5 & Golf GTD
Join Date: Sep 2009
Location: Northern Ireland

Posts: 4,402
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It really depends on what you intend to do. Your existing car has suffered the worst of its depreciation but if you VT and step into a new agreement you are hiking up the depreciation again. Years 3 and 4 of any agreement are the ones where you level the balance of loan against car value because depreciation has drastically reduced.
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