Motodziennik #305 Nowy ELEKTRYK za 350 złotych miesięcznie? Kreatywne kredytowanie problemów

Summary

In this insightful video, the host delves into the complexities of car leasing, specifically focusing on Stellantis group brands like Peugeot, Citroen, and Opel. The discussion explores various leasing offers for both combustion and electric vehicles, with an emphasis on creative financing tactics like low monthly payments and high residual values. The host highlights government subsidies under the 'Mój Elektryk' program for electric cars and shares personal experiences of navigating the leasing process. Viewers are encouraged to explore these offers while understanding the hidden details and challenges behind securing the best deal.

Takeaways

• 😀 New electric cars can be acquired for as little as 150-350 PLN per month with zero down payment, thanks to special financing offers from Stellantis.
• 😀 Stellantis is offering low-cost long-term rental deals for electric and hybrid cars, such as the Peugeot 208 and Opel Mokka, often with low monthly payments and no upfront costs.
• 😀 Some dealerships, however, offer inconsistent pricing for the same vehicles, highlighting a discrepancy in deals that depend on the specific dealership or promotion.
• 😀 A creative financial strategy by Stellantis involves leasing cars with a higher residual value than their initial price, creating an apparent 'zero-cost' offer, but with no realistic buyout option after the lease term.
• 😀 Leasing or renting an electric vehicle with the 'Mój Elektryk' program can provide significant savings, with subsidies up to 18,750 PLN (or 27,000 PLN for large families).
• 😀 Many of these offers are aimed at businesses, where having an electric vehicle as part of the company fleet is more financially advantageous due to lower operating costs compared to traditional cars.
• 😀 Some Stellantis cars, like the Astra and Grandland, are being leased at very low monthly rates (around 950 PLN for an Astra), but the real cost of ownership after two years can still exceed the car's worth due to high residual values.
• 😀 Dealerships sometimes fail to keep up with promotions, leading to confusion when customers try to access deals that were advertised but are no longer available.
• 😀 A key strategy for getting the best deals on electric cars involves being persistent, calling multiple dealerships, and finding the right time to negotiate or take advantage of limited-time offers.
• 😀 While Stellantis' low-cost offers are attractive, there is concern over the long-term viability of these deals, with many cars returning to dealerships or being resold at a loss after the leasing period ends.
• 😀 For those interested in electric vehicles, taking advantage of government subsidies and understanding the complex financing options can lead to major savings, even if the deal may seem too good to be true at first.

Q & A

What is the main focus of the video script?

The main focus of the script is on leasing and financing electric vehicles, particularly offers from Stellantis brands like Peugeot, Opel, and Citroen, and how these offers can make electric cars available for surprisingly low monthly payments.

How low can the leasing rates for electric cars go in some cases?

In some cases, leasing rates for electric cars can go as low as 590 PLN per month, with zero upfront costs and additional governmental subsidies reducing the price further.

What is the 'Mój Elektryk' program mentioned in the script?

The 'Mój Elektryk' program is a Polish government initiative that provides subsidies for electric car purchases or leases, offering up to 18,750 PLN for regular buyers and up to 27,000 PLN for large families.

Why does the speaker consider the leasing options from Stellantis brands too good to be true?

The speaker questions the sustainability of the offers, particularly the low monthly payments, suggesting that they may involve creative financial strategies and could be detrimental to the automakers in the long run.

What is the risk with some of the leasing offers in the market?

One risk with some leasing offers is that they come with hidden terms, such as high buyout prices at the end of the lease, long wait times for government subsidies, or artificially inflated prices that make the deal less advantageous over time.

How can business owners benefit from these leasing deals?

Business owners can benefit from low-cost electric car leases because the lease payments are often lower than the depreciation of a new car, making it a financially sound option for company vehicles.

What challenges are associated with leasing an electric car under these promotions?

Challenges include the long wait times for receiving government subsidies, limited availability of the best deals, and the complexity of finding the right deal that matches the consumer's needs.

Why does the speaker mention that he has never bought a new car or taken out a lease?

The speaker shares his personal experience to highlight his preference for avoiding long-term financial commitments like leases, and instead purchasing items he can afford at the moment without entering into financial debt.

What does the speaker think about the value of a car after leasing it for two years?

The speaker highlights a situation where the lease agreement allows for a buyout price that is higher than the car's expected value after two years, suggesting that these offers are often based on creative accounting rather than true market value.

How did the speaker manage to secure an attractive electric car deal?

The speaker secured a deal by researching and calling multiple dealers, using a tip from a viewer about where to look for better offers, and ultimately finding a deal for an electric car at a very low monthly rate of 590 PLN.