VT a PCP contract - Advice

nicks5359

Can anyone tell me if a dealer Finance deposit is incuded in the 50% calcualtion:

Price of Car £ 34743

EXAMPLE INCLUDED:
Balloon Payment = 12,750
My Deposit = £1,500
Dealer Finance deposit £6,000
(48 x 352)
Total Payable £37,146

50% calculated as 18,573
- 6000 (dealer contribution)
-1500 (my deposit)
=11073 (that i would have to pay ie 32 months @ £352)

OUTSIDE EXAMPLE:
Car Price £34,743
-6000 (dealer contribution)
-1500 (my deposit)
Total to be financed= £27,243

Payments (48 x £352)
Balloon £12,750

Total Finance Payable= £29646

50% = £14,823

=42 Months @ £352

Thanks in advance - Chris