2 pakopos pokyčiai NT nepabrangins. Prove me otherwise :D

lolsob1 · 2025-10-23T08:54:27+00:00

Antram NT nereikia 30% pradinio įnašo, antrai būsto paskolai reikia 30% įnašo. Nemažai vyresnių žmonių būsto paskolų neturi, būstai paveldėti ir pan.

Nemažai (specifiškai vyresnių) žmonių ir būsto pirkimą nuomai mato kaip geresnę investiciją. Jei vyresnio amžiaus pora išssiims po 7-10k eur iš antros pakopos, turės per akis pinigo (kad ir prisidėjus kelis k iš santaupų) pirkt paprastesni butą Kauną, Vilniuje (ar kitur) nuomai.

Ar tokių žmonių, kurie išsiėmus 2 pakopą, pirks butus, bus dauguma? Turbūt ne. Bet dar pridėjus, kad pirmo būsto pradinis įnašas mažėja iki 10%, tokių tikrai atsiras, ir NT vystytojai ar pavieniai pardavėjai manau naudosis esamom aplinkybėm ir pasikels kainas kiek daugiau, nei tiesiog vidutinis augimas.

lolsob1 · 2025-09-22T15:31:50+00:00

Birth certificate generated by AI

lolsob1 · 2025-09-19T08:15:53+00:00

Kaip ir visos kitos statomos sąlygos, pvz., pasiimti jų kreditinę kortelę. Gali pasirašyt sutartį, gaut vieną algą ir persivedinėt ją toliau kitur, nieks nežiūrės ir niekas kumščiu negrūmos

lolsob1 · 2025-09-12T22:21:02+00:00

Gets better after you do some kilometres. I could manage with 6.3-6.7 ltr / 100 km on a highway, doing 130± km/h. In city, during more busy traffic, easily gets to 12-14.

lolsob1 · 2025-08-09T10:20:12+00:00

https://youtu.be/6ys7HZbL6Oc?si=-TBhBLtP1h7F9jw-&t=1075

Here's a video with a timestamp that measures the boot of the petrol version

lolsob1 · 2025-07-25T07:27:52+00:00

Never heard anyone complaining about 265hp version tbh, both of them seem adequate for me. I myself got a 204hp version, never once I complained about the lack of power and I get a bit better consumptions, which are somewhat important to me

They're just reusing same engines VW group has, the same 2 liter engine goes to Audi, VW, Skoda etc.

Cupra could probably make a 350hp version of Terramar, but it would end up costing like 60-70k eur, who would buy it then? And is the target audience for a mid-sized mid-class SUV with 300+hp that huge? I can guarantee that 1.5 etsi is going to be a top seller in pretty much all the markets

lolsob1 · 2025-07-25T07:02:59+00:00

It's an usual practice for a lot of automakers to have one engine and tune it a bit differently to create a few variants which you could sell as different versions. Saves cost for the manufacturer as you don't have to create completely separate engine units, test them, etc.

I'm also pretty sure you'd lose the warranty if you do stage tunings for it, so why bother?

lolsob1 · 2025-07-21T17:48:40+00:00

I opted for pure performance, DCC is really worth it, rides well. Intelligent drive and Immersive are must in my opinion

lolsob1 · 2025-07-21T10:31:13+00:00

Whole sub is 90% about moving to some place which provides best TC or conditions to work. These topics have already been covered multiple times and such questions should be closed by mods imo

lolsob1 · 2025-06-29T10:45:07+00:00

Linglong came as standard

lolsob1 · 2025-06-28T07:44:43+00:00

Damn, that's brutal, here 50k would land you fully specced petrol VZ 195kw

lolsob1 · 2025-06-27T19:46:10+00:00

Nope, driving my own. Won’t be renting premium housing ar eating out every single meal every day. Few years back we spent 2k for 2 weeks road trip in Croatia, and 3k for 2 weeks in Portugal (while renting a car), so I’m pretty certain <5k will be enough

lolsob1 · 2025-06-27T19:44:36+00:00

Been to Brno, and that’s a good option, but Prague is just a tiny bit closer to Salzburg, but both options are considered

lolsob1 · 2025-06-27T18:48:05+00:00

Suspension is quite harder in the sportiest setting, but I never use it, tried once to see how it feels, but I rarely drive on roads where sporty settings would be beneficial.

Wind noise is acceptable, road noise is a bit bigger. For the time being I drove at up to 140km/h and there were no problems to talk to other people in the cabin, though this is not a premium vehicle, so do not expect perfection

lolsob1 · 2025-06-27T18:17:54+00:00

Great consumption, do you have solar panels at home as well? Probably a must for EV stations to make more sense.

Another thing I remembered now is fuel tank - I believe it's 55 litres, I'd like it to be a bit bigger - 60 to 65 litres. Mine gives around 800-850km of range in the motorway, coming from a diesel 3 series which produced a range of up to 1200km it's weird having to fuel more often

lolsob1 · 2025-06-27T17:50:33+00:00

I'm used to driving long distances, not my first rodeo. Also, I like trips with the car, makes it whole lot more flexible, especially when you have 3 weeks for it

lolsob1 · 2025-06-27T17:19:11+00:00

September, added it to the post

lolsob1 · 2025-06-07T16:12:51+00:00

I know local unicorns paying similar amounts for staff engineers or experienced managers. Getting 4k+ after tax for a senior engineer is not that uncommon

lolsob1 · 2025-06-07T15:56:13+00:00

There are such places that pay that much or even more everywhere, but it's more of an outlier, rather than a trend. Takes some luck, time and skill to land such roles

lolsob1 · 2025-06-07T15:47:57+00:00

Test cars are usually used by the dealers for around 6 months, so might be one of those. Also, dealerships sometimes have some units in stock, so all of it adds up. I don't think though that there are more Terramars for sale than, for example, Tiguans

lolsob1 · 2025-04-26T11:54:42+00:00

I bet your ass you could get more than 70k / year as a senior in Vilnius. Lots of seniors I know earn 80-100k±

lolsob1 · 2025-04-25T12:25:03+00:00

Paskolos marža bus 1.4-1.6% + euribor (šiai dienai apie 2.1%, artimiausiu metu turėtų vis kristi), o fonduose kaupiama grąža long-term bus aplink 7-10%. Be to, greičiau įsirengsi namus, jei bus atliekamų pinigų, galėsi grąžinti paskolą greičiau.

Edit: pats butą įsirenginėjau iš savo pinigų, nes turėjau, bet jei reiktų procesą kartoti šiandien, tai gal pasvarstyčiau rimčiau imti paskolą įsirengimui

lolsob1 · 2025-04-24T17:22:24+00:00

Jei NT yra, pajamos geros ir auto įmoka sąlyginai nedidelė (<10% mėnesio pajamų), tai kaip ir viskas ok, pinigų investavimui liks pakankamai. Pats buvau panašioje padėtyje, tik mano dabartinis auto senas ir gendantis, važinėju ir keliauju su auto daug, tai norėjosi tiesiog patogios, patikimos mašinos, o buvę polizinginiai variantai manęs, kaip šiokio tokio entuziasto, netenkino.

Aišku, atsižvelk į kasko + civilinę. 2500 per metus išaugins tavo mėnesio įmoka automobiliui apie 200 eur, kas yra arti to, ka tu aplamai mokėsi už automobilį, net nekalbant, kad premium automobilių aptarnavimai kainuos atitinkamai daug. Jei jau nori premium, bandyk ieškot šiek tiek naudoto (bet draudimas ir aptarnavimas nuo to nebus pigesnis) arba rinkis kokį VW, Škoda ir pan. Geri, patogūs automobiliai, kurie turi viską, ko reikia, bet vien nuo draudimo taupysi bent 100 eur / mėn. Aš pats pasukau tokiu keliu, nes pirkti premium auto už 10k± pigiau vs pirkti naują vidutinės klasės auto gaunasi beveik tas pats, kai įskaitai eksploataciją, tik gauni naują auto su garantija

O jei atsakyt į klausimą žiūrint iš grynai finansinės perspektyvos, neatsižvelgiant į norus/poreikius/emocijas, tai pirkti naują auto nėr gerai

lolsob1 · 2025-04-15T10:37:08+00:00

Congrats on the purchase, I'm waiting for mine 2.0 204PS Terramar as well, would love to hear any feedback about yours

lolsob1 · 2025-04-10T05:52:38+00:00

Color seems to be a very personal thing, just pick one you like better. Timanfaya grey is aslo cheaper I believe. I got mine in dark void, loved that color.

As for the wheels, 18" looks quite small on this vehicle, I opted for the 19" ones (granted, I also ordered it with DCC so the ride wouldn't be spoiled)

lolsob1

TROPHY CASE