If your taking finance out, why not step up a couple of models and have a TDI FR by adding another year to your finance.
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hav you thougth about the 1.4 100ps formula sport edition ibiza's, great kit given with it, i think its around the 8k mark. just my 2p worth. i have the 1.4 DAB 100ps edition, and its not that slow.
Im afriad to say that the 1.2 12V unit in the Ibiza MK4 when driven correctly should be overall quicker than the 1.4 unit in the MK3.
Just think, you drive your 1.4 day in day out, whilst you dont know whats best for what in the 1.2.
Your 1.4 does 0-60 in 12 seconds? Tom and jerry timer?
Due to the 1.2 unit in the Ibiza being a 12v I personally feel when giving it some beans it sounds alot more 'sporty' than a 'bog standard 1.4 mk3'
IMO
very toquey the 130 tdi fr styling by far the best deal imo with your requirements teknow
yeah but the extra enjoyment you could have out of the 130 diesel is a hell of alot more than the 2nd gear ragging up a hill fun in a 1.2
I'd choose the diesel simly for that reason even if they worked out the same total cost to own over a set period.
Given that the diesel works out at £700 cheaper in your own calculations I'd say you've got a winner. £700 saved is £700 for saved (or enough for a remap and to cover the insurance).
Also, I assume you've taken depreciation into account? A diesel should depreciate less than a 1.2 petrol (diesel is the more desireable car in the used market).
Ally