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VOLKSWAGEN POLO FL . TSI HP BVM LIFE
Scenario:posé : VOLKSWAGEN POLO FL 1.0 TSI 95 CH BVM5 LIFE vendue au prix spécial pour ce financement de 19 600,00 € TTC. Caractéristiques du véhicule et détails des options sur demande auprès du
vendeur.
162 €/mois (1)
LOA sur 37 mois.
1 er loyer majoré de 4 015,68 € suivi de 36 loyers de 161,73 €
Montant total dû en cas d'acquisition : 23 122,28 €.
Offre valable du 19/05/2025 au 31/12/2025.
Un crédit vous engage et doit être remboursé.
Vérifiez vos capacités de remboursement avant de vous engager.
(1) Contrat Abrégio Style VO : Location avec option d’achat pendant 37 mois et 35000 km pour ce modèle VOLKSWAGEN POLO FL 1.0 TSI 95 CH BVM5 LIFE au prix de 19 600,00 €. Option d’achat finale: 13 300,00 €
ou reprise du véhicule suivant engagement sous conditions de votre Distributeur. Assurance facultative Décès Incapacité Perte d’Emploi souscrite auprès de Cardif Assurance Vie SA au capital de 688 507 760 €,
N°732 028 154 RCS Paris et Cardif Assurances Risques Divers SA au capital de 14 784 000 €, N°308 896 547 RCS Paris, siège social : 1 Boulevard Haussmann 75009 Paris. Cotisation de 15,68 € par mois. Ce montant
s’ajoute à la mensualité en cas de souscription. Montant total dû au titre de l’assurance : 580,16 €. Le coût de l’assurance varie en fonction de l’âge de l’emprunteur.
Offre sou
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André
He is a car buyer considering leasing a Volkswagen Polo FL 1.0 TSI 95 HP BVM5 LIFE. He is practical,curious,and cautious. André is interested in understanding the financial implications of leasing versus buying a car. He reads reviews and considers offers carefully,balancing affordability and features. He is hesitant about committing to a lease due to concerns over mileage limits and future plans but ultimately decides to lease the car for 37 months,thinking it suits his needs better than buying.
Dealer
He is a sales representative at a Volkswagen dealership. He is knowledgeable,persuasive,and detailoriented. The dealer explains the leasing options for André,highlighting benefits like lower payments and the chance to drive a new car every few years. He presents various packages,including insurance deals,to ensure André feels supported. The dealer’s efforts help André feel more secure in his choice to lease the Volkswagen Polo FL 1.0 TSI 95 HP BVM5 LIFE.
Volkswagen
They are the producer of the Polo FL 1.0 TSI 95 HP BVM5 LIFE car model. They are reputable,innovative,and customerfocused. Volkswagen has designed the Polo FL with advanced features like Bluetooth and USB connectivity,making it appealing to modern drivers like André. Their leasing offer caught André's attention,providing flexibility and lower upfront costs compared to buying outright. The brand's reputation for quality and reliability influences André's decision to lease their vehicle.
I am looking for a car and I see this offer:
VOLKSWAGEN POLO FL 1.0 TSI 95 HP BVM5 LIFE
€19,600.00
Including VAT
Special financing: €162/month (1)
Lease for 37 months.
First payment: €4,015.68
Following payments: €161.73 x 36
Total amount due in case of acquisition: €23,122.28
Offer valid from 19/05/2025 to 31/12/2025
(1) Abrégio Style VO Contract: Lease with option to purchase for 37 months and 35,000 km for this VOLKSWAGEN POLO FL 1.0 TSI 95 HP BVM5 LIFE at the price of €19,600.00. Final purchase option: €13,300.00 or trade-in of the vehicle subject to conditions from your Dealer.
Optional insurance for Death, Disability, Job Loss subscribed with Cardif Assurance Vie SA with a capital of €688,507,760, No. 732 028 154 RCS Paris, and Cardif Assurances Risques Divers SA with a capital of €14,784,000, No. 308 896 547 RCS Paris, registered office: 1 Boulevard Haussmann 75009 Paris.
Premium of €15.68 per month. This amount adds to the monthly payment in case of subscription. Total amount due for insurance: €580.16.
I read that in modern Europe, leasing is becoming more and more popular as it is cheaper than buying a car.
So I am thinking about leasing this car.
I read the reviews and look at the offers.
The Polo FL has Bluetooth and USB connectivity.
The Polo FL has a very good safety record.
The Polo FL has an average fuel consumption of 4.5 liters per 100 kilometers.
I think that leasing this car is a good idea because I can drive a new car every few years.
The monthly payments are lower than if I would buy the car.
The first payment is higher but I can afford this.
The total amount due in case of acquisition is higher than the normal price of the car but I don’t want to keep this car forever.
The final purchase option is lower than half the price of the car.
I don’t know what I will do after 37 months so I don’t want to commit myself to buying this car.
I am thinking about subscribing to the optional insurance for Death, Disability, Job Loss because it is better to be safe than sorry.
The premium is not too high and it adds to my monthly payment.
After careful consideration, I decide to lease this car for 37 months.
I call the dealer and ask him about the details of this offer.
He explains me everything and answers my questions about this offer.
I ask him about the mileage limits and he tells me that I am allowed to drive 35,000 kilometers during these 37 months.
If I drive more kilometers than this, I will have to pay extra money for every kilometer that I drive too much.
I ask him about the condition of the car when I have to return it and he tells me that it has to be in a good condition for its age and mileage.
I ask him about the possibility of ending my lease early and he tells me that it is not possible without paying a big fine.
After hearing all the details about this offer, I decide to accept this offer.
I go to the dealer and sign all the documents necessary for leasing this car.
I sit at the dealer's desk, carefully reading through each page of the lease agreement.
The fluorescent lights hum overhead as I check the monthly payment amounts, comparing them to my notes.
My finger traces down the mileage restrictions, maintenance requirements, and insurance details.
The dealer waits patiently, occasionally pointing out where initials are needed.
When I reach the early termination clause, I pause to re-read the penalties.
The final purchase option numbers match what was advertised.
Sitting at the dealer's desk, I methodically review each page of the lease agreement.
The fluorescent lights hum overhead as I check the monthly payment amounts, comparing them to my notes.
My finger traces down the mileage restrictions, maintenance requirements, and insurance details.
The dealer waits patiently, occasionally pointing out where initials are needed.
When I reach the early termination clause, I pause to re-read the penalties.
The final purchase option numbers match what was advertised.
The dealer points to a section with his pen, explaining how they track mileage and schedule maintenance checks.
I nod and move on to the financial terms.
€162 per month for 37 months, with a final purchase option of €13,300.
I double-check the calculations one last time before moving on to the insurance coverage details.
The premium is listed as €15.68 per month, which matches what I was told over the phone.
My hand hovers over the signature line as I verify that everything is correct.
The dealer hands me his sleek metal pen, and I sign my name on all three copies of the contract.