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Prices Paid: Buying & Leasing Experiences Hyundai Azera Prices Paid and Buying Experience
1084 messages, Last post on Nov 10, 2009 at 6:26 AM
You are in the Prices Paid: Buying & Leasing Experiences Forum. Your Hosts are car_man & kyfdx
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Replying to: kyfdx (Dec 24, 2007 3:01 pm) If you play your cards right, and there are enough banks available, you can go forever without paying interest. |
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Got what I thought was a great price. I was a little concerned about the car having 80 miles on the odometer. After I bought (Saturday, 12/22) I read the posts about front end problems. Didn't drive the car yet (only home from the dealer). Sure enough, build date is Feb/05/07. Also, I paid $30 for carfax. Carfax reports on Jun. 01/07, this VIN had a pre-delivery inspection. Does it mean it was sold to another customer who may had subsequently returned it? Should I go back to the dealer about the two issues? TSB and pre-delivery inspection? Any advice is greatly appreciated. I know, I should've looked into these before signing. Thank you!
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Replying to: kyfdx (Dec 24, 2007 3:01 pm) If you do the same for 6 months, your effective rate is 12%.. " I don't see it. 3% is 3% (or maybe 3.2% if you count forgone interest for a year on your initial 3% charge). And if you pay off the debt early at six months the 3% becomes an effective 6%...
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Replying to: andysam (Dec 25, 2007 4:44 pm) |
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Replying to: gamleged (Dec 25, 2007 7:24 pm) Make six equal payments of $17.17... total paid = $103. Pull out your trusty amortization calculator (What? forgot it in your other pants?) $103 paid over 6 months on a $100 debt = 10.28% APR. That's assuming you can amortize the fee over the six months... If you actually have to pay the fee upfront, then the imputed rate is higher. Of course, if you make minimum payments, then pay the rest of the principal at the end of the payment period, then your imputed rate is lower, as you had use of more of the money for a longer period of time. If the repayment and "zero" interest is over a 12-month period, then the imputed rate is 5.42%. (assuming a 3% upfront fee) Regards, kyfdx (free money isn't always free.. it might be, but not necessarily)
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Replying to: kyfdx (Dec 25, 2007 7:33 pm)
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Replying to: gamleged (Dec 25, 2007 7:53 pm) It was just a point.. Most of the credit card offers I get, are for 6 months, with a 3% upfront fee... Even if you continually roll those over to other cards, and never pay any principal, the best you are achieving is 6% APR.. And, if you miss the rollover date, you'll lose everything you saved in the first month.. Some offers may be better than that, but you better read the fine print. That seems like a lot of work for 6% APR money.... I can beat that rate from my credit union. Plus, there is something to be said for the discipline imposed by a car note. Anyway, back to Azera pricing!  regards, kyfdx
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Replying to: kyfdx (Dec 25, 2007 8:01 pm) Waitaminnit?! Isn't this the US-Korean arbitrage thread?... 
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Replying to: andysam (Dec 25, 2007 4:44 pm) KMHFC46F27A187424 Date: Mileage: Source: Comments: 03/06/2007 NICB Vehicle manufactured and shipped to orig dealer 03/21/2007 7 Antwerpen Vehicle serviced 03/26/2007 Antwerpen Vehicle sold 03/26/2007 Thompson Vehicle offered for sale Kia 12/26/2007 Hyundai No recalls open for repair Motor America
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Replying to: azera_dood (Dec 26, 2007 7:21 pm) 
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