Hire after PCP jonasz

#1
I'm not sure if that make any sense, but this is my idea of financing a Skoda car.



With hire purchase I have to pay 5.9% APR(2100).

With PCP there is 0% APR and balloon of 9.5k to be payed + 150 for contract.



I wonder if I can sign a hire purchase for the final PCP payment? There is a high chance I could save 2000 in 3 years, so I would have 9.5k - 2k = 7.5k to pay at the end. I'd like to sign the hire purchase agreement for 7.5k on 5.9% APR, which would be ~600(3 years).



So i would repay the the whole car in 6 years for 750(600+150) fees only?

But I don't know:

1. if I will be allowed to make hire purchase afterwards

2. if the hire purchase will be rel to 9.5 or to actual market value(9.5 + equity)



If the 2nd apply, then there should not be any benefit over hire purchase only finance?

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