An accountant or any one from finanical discipline will argue it will be a bit more greater diffrence in having the Pug407 over the camry because of present value of the same dollar over the future value over the following 5 years. Hence the cost of fund/interest rate will need to be factored in

using your argument,

407 's higher total lost of $9,454 can actually be smaller due to 9.5k 5 years later is actually not worth the 9.5k of TODAY, in real calculation, it 'll be may be 9k only or even lesser depends on inflation rate

407 has LOWER start-up cost
$15,499 (camry) - $13,688 (407) = $1,811 since this is calculated in present day value, so this part is ok

407 has HIGHER monthly positive cash flow through lower installments
$2,673 (camry) - $2,361 (407) x 60 months = $ 18,720

again this need to factor in the yearly cost of fund, so the value of 18.7 k could be higher slightly and may well be over RM20k (of Today cash )

So conclusion is taking Pug 407 is better since

20+1.8 -9 = 12.8k

Money wise it looks right (as long as the maintenance cost is the same, but if they are not and IF Pug costing more than Toyota tallo maintain and repair, than the difference will be smaller, nevetheless 12.8k is a very good buffer.

Overall, nice piece of work there

Hello People, 407 is older/former version D segment from Peugeot . 508 is the new & current D segment from Peugeot.

read all about it

http://www.livelifedrive.com/malaysia/news...hed-in-malaysia

This post has been edited by EnergyAnalyst: Mar 8 2013, 10:34 AM