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Obviously resolutions vary; your lines of "break even" will obviously cross way sooner than my betting lines. The reason: different factors in the two deals will yield different answers.
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Lenders enjoy visiting that an applicant is being realistic understanding that their loan request makes some kind sense when viewed against their income and existing financial pledge. Losing you heart to (e.g.) a Lamborghini may be fine while if it implies you end up trying to convince a finance company that specialists . pay them 1000 pounds per month back when you only have 750 pounds per month coming in, with 600 pounds today already going out to other actions.
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