Why financing a supercar can actually be very smart

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Cash is king

You've caught your eye on something special. A Maserati MC20, a Porsche 911 Turbo S, an Aston Martin DB12 Volante or maybe even a Ferrari 12-cylinder. Cars that are not only breathtakingly beautiful, but that also say something about who you are and where you are in life. But you don't just buy a car like that. It is a serious investment and that is why it can be smart to finance it instead of paying all at once.

More and more entrepreneurs, self-employed people and enthusiasts are opting for smart forms of financing such as leasing or financing a supercar. Not because they don't have the money, but because it can simply be financially wiser. By financing, you have liquidity left over. You don't have to deposit your capital in a car all at once. You can continue to use that money for your company, other investments or simply as a strategic buffer. After all, cash flow is just as important as wealth.

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You spread the costs with financing

In addition, you spread the costs when financing. Instead of one large amount, you pay a clear period per month. Especially with a used supercar, this can be surprisingly attractive. The depreciation has often already been taken by the previous owner, so you have lower monthly payments and, in many cases, less risk of loss of value. In addition, some high-end models retain their value remarkably well and a select few even increase in value. Think of limited versions, special engine configurations or iconic models whose demand remains constant.

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Financing or leasing offers flexibility

Another advantage is flexibility. Especially with leasing, you can choose something new every few years. You always drive the latest model, with the latest technology and a specification that exactly matches your needs. Many luxury manufacturers today also offer impressively long warranty periods, sometimes up to five, seven or even ten years. These packages often include maintenance, so you don't have to worry about unexpected costs. You simply pay for worry-free driving.

That makes financing or leasing attractive, but it is important to keep an eye on a few things. Compare providers, because the differences in interest rates can be significant. Never take out a loan with a longer term than you plan to drive the car, otherwise you may run into unpleasant situations. And don't finance the maximum amount: a financial buffer gives you peace of mind. By properly calculating in advance what you can borrow responsibly, you avoid getting stuck.

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An example calculation by Carvendo

Suppose you are an entrepreneur and want to take out financing for the 511,500 euro Mercedes Benz AMG-GT for sale with us including VAT.
The VAT for this car is 84,869 euro. This is always mandatory when making a financial lease. You will get this VAT back from the tax authorities. In other words, you actually pay 0 euro.

If you want to drive this supercar for 48 months and choose a final term of 179,025 euros, you will get a monthly rate of 7,236 euros with the current interest rate.

That is of course a lot of money, but in principle, you will pay a total amount of 48 x 7,236 euros = 347,328 euros in 48 months. The biggest advantage of this is that during those 48 months, you have plenty of financial space to make other investments, which may well generate more money than the monthly amount you pay to the supercar. And know, you can deduct the interest paid from your profit. That saves you from paying taxes.

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Financing a supercar is a strategic choice

Financing a supercar is therefore more than a luxury choice, it is primarily a smart strategic decision. You keep capital free, you benefit from modern guarantees, you have monthly costs and you have the freedom to change whenever you want. And above all: you drive your dream car without directly affecting your financial space.

Financing a supercar gives you the luxury of top-level driving, combined with financial flexibility, safety and strategic freedom. Exactly like a car in this class. Carvendo does not see it as an expense, but as a smart way to drive and do business. Contact one of our Carvendo car experts for more information, or schedule a free consultation.

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