Should you wish to own your Volkswagen, then an Instalment Sale Agreement may be your best option. Once you have structured the flexible periods and terms and made your last payment, ownership will automatically pass to you. VAT on this option is capitalised up front into the principal debt of the finance agreement.
There are two options available:
Instalment Sale with balloon payment
An instalment sale agreement with a larger final baloon payment may be the right option for you if you wish to reduce your ordinary monthly payment during the contract term.
The classical instalment sale is based on equal monthly payments over the agreed contract period.