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Personal contract purchase
A personal contract purchase is a form of vehicle finance for individual purchasers which has similarities to both personal contract hire and hire purchase (buying on installments.)
A personal contract purchase deal (PCP) requires the customer to pay a certain amount, for a set contract period of somewhere between 24 to 48 months, with the right to drive the vehicle while ownership is retained by the funding company. This is similar to contract hire or car leasing, except that the individual customer has the right to ultimately acquire the vehicle for a previously agreed total cost. Otherwise, the customer can arrange to return the vehicle, without any further liability past the end of the contract.〔(Nationwide Vehicle Contracts )〕
A personal contract purchase is therefore a conditional sale agreement and therefore under UK law the purchaser is protected under the Consumer Credit Act 1974 and the Financial Services Regulations 2004.〔(Office of Fair Trading Office of Fair Trading )〕
== Included items ==
A PCP may include the element of maintenance during the duration of the contract though this is in the minority of cases. In the UK, the majority of PCP deals include the payment of vehicle tax during the contract period.〔(UK Government Portal )〕
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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