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Cum ati achizitionat Laguna III ?, Ati platit cash, in leasing sau credit?

Modalitatea de plata a Lagunei III, la achizitionare, a fost:
 
1) Cu "banii jos", integral din fonduri proprii; [ 22 ] ** [62.86%]
2) Credit in lei fara avans; [ 2 ] ** [5.71%]
3) Credit in lei cu avans; [ 3 ] ** [8.57%]
4) Credit in euro fara avans; [ 1 ] ** [2.86%]
5) Credit in euro cu avans; [ 1 ] ** [2.86%]
6) Leasing auto. [ 6 ] ** [17.14%]
Total Votes: 35
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Laguna_III
post 7 Nov 2012, 10:50
Post #1


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Puteti specifica, daca doriti, si valoarea ratei lunare, acolo unde este cazul, anul achzitiei si valoarea de nou a masinii.
Multumesc.

7 Nov 2012, 12:34:
Cumparata in mai, 2008, valoare 23.600 euro - rata aprox. 1.100 lei/luna, credit auto.

This post has been edited by Laguna_III: 7 Nov 2012, 12:34


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Renault Laguna III, 2.0 dCI, 150 CP May,2008/Dynamique
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dantes
post 7 Nov 2012, 14:22
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Ai uitat si ce era important.. SH...va fi denaturat pollul spre cash...ca doar nu si-o lua cineva masina sh si in rate tongue.gif ...cel putin nu unu zdravan la mansarda...


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Laguna_III
post 7 Nov 2012, 14:28
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@dantes,

Nici nu mi-a trecut prin gand varianta "second hand". Am plecat de la exemplul propriu - masina noua. Si e si prima mea masina (am vrut sa fie "virgina" biggrin.gif ).

This post has been edited by Laguna_III: 7 Nov 2012, 14:28


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Renault Laguna III, 2.0 dCI, 150 CP May,2008/Dynamique
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Laguna_III
post 11 Nov 2012, 15:25
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Doar 9 membri de pe forum au cumparat Renault Laguna III ?! Restul au primit-o...cadou ? biggrin.gif


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r3nault
post 11 Nov 2012, 15:53
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Votez second-hand.


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Laguna_III
post 11 Nov 2012, 21:25
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ok, r3nault!


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ffv99
post 30 Dec 2012, 10:07
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6000 euro masina recuperata leasing , 80.000 km


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Laguna_III
post 4 Jan 2013, 16:16
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LA MULTI ANI!

O intrebare pentru cei care au achizitionat masina cu credit (in lei sau euro):

- ce dobanda aveti la credit? (pentru ambele variante de credit, lei/euro).

Eu am dobanda asta: ROBOR 3 M + marja de risc a bancii, respectiv, la data de 3 ianuarie 2013 este: 6,03 % (RORBOR la 3.01.2013) + 3,8 % (marja de risc)= 9,83 % pe an, valabila pe trimestrul I, 2013.

Multumesc.




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sachelos
post 10 Jan 2013, 23:51
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Laguna III luata in Mai 2009:
- pret 29.600 euro;
- leasing pe 4 ani;
- avans 7.500 euro;
- rata reziduala 1.500 euro;
- rata lunara 500 euro;
- casco lunar aprox 110 euro;
- asigurarea aia...nu stiu exact cum se numeste...20 euro lunar.
Dobanda a fost negociata la momentul respectiv si era undeva la 7,5%, daca fac un calcul rapid dobanda pe toata perioada e undeva la 3.500 euro, ceea ce e binisor zic eu...
Oricum la cat de putin merg pe an, 12-15.000km, am undeva la 50.000km acum, sunt f multumit!
Costul lunar catre RCI se ridica undeva la 3.100 ron, dar mai e putin, inca 4 rate si am scapat:)


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Laguna_III
post 22 Oct 2014, 20:49
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Cum stati cu creditul/leasing-ul auto? L-ati achitat?
Din pacate, eu am dificultati financiare. Firma la care lucram din 2002 a intrat in lichidare. Am platit rata 6 ani si 4 luni, mai aveam 3 ani si 8 luni.
:-)


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OvidiuMe
post 23 Oct 2014, 08:51
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never ever buy a new car!(only with cash)
am strans jumate din suma pe care vruiam s-o investesc in masina, am facut credit pe cealalta jumatate....si am achitat creditul in 4luni!


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pishky
post 23 Oct 2014, 11:46
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rata pe 10 ani....
esti constient valoarea de piata a masinii acum este bine sub 50% din creditul contractat. (neincluzand dobanzi si altele)
da, masina noua e masina noua, dar la 10 ani cand vei fi terminat tu creditul......
oricum ai avut ceva curaj, apreciem asta, respectam asta.
as face asa ceva - cu siguranta nu.
un reno, in tara noastra (o natie care, preponderant, se inchina la pasat si skoda), il cumperi la un pret ok la vre-o 3-4 ani (varsta masinii).

ontopic - am cumparat vechea laguna 2 SH - fabricatie mai 2006, cumparata in februarie 2011, am avut mare o parte din bani, iar restul I-am imprumutat (si returnat in aproape un an).

This post has been edited by pishky: 23 Oct 2014, 11:47


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Laguna_III
post 23 Oct 2014, 15:30
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@pishky,

Cand am cumparat masina nu mi-am pus niciodata problema ca as dori sa o (re)vand, vreodata, tocmai ca mi-a placut foarte mult (si-mi place, in continuare, la fel de mult).

Este clar ca mi-am asumat un risc la momentul achizitiei (mai, 2008), de a ramane fara job. Insa in acel moment nimeni nu se gandea la o "criza economica"; salariile cresteau anual. Pozitia societatii la care lucram parea stabila.

In concluzie, nu regret pasul facut. Tot ce imi doresc, legat de acest aspect, este sa-mi recapat stabilitatea financiara pentru a nu fi executat silit (prin vanzarea masinii de catre banca).


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b06fcn
post 25 Oct 2014, 08:33
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Am luat Laguna din dotare SHK9, avea un an si doua luni, la sub jumatate din pretul de nou, am platit cash din fonduri proprii.
30000 euro pentru o masina noua mi se pare exagerat de mult.


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