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I too have a similar query and want to understand which option is better –
e.g. I purchased a car for £25k and my final bubble is worth £14k after 3yrs. So I can either pay £14k and own the car or else give it back to the dealer and go for a new car. I can put the £14k towards the new car and the final bubble comes to around £19k after 3yrs.
Question is – is it better to own the current car or else exchange to a latest car at the end of each 3yrs term?