RBH58 the difference is you are paying for your car via a lease, so you get the benefits of buying a car before your wage is even taxed, that is the smart way to do it, and that is the only way i would ever buy a new car.
It just sounds like Sx1 has 30k to spend and wants to go into debt for the further 20k or so and pay interest ontop of that, if it were me i would go for a used R27 and use the left over money for insurance / servicing