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<p>[QUOTE=&quot;akeady, post: 8205304, member: 83175&quot;]The buyers premium is 23% within the EU as VAT is included, 20% outside as that&#039;s VAT-free.</p><p><br /></p><p>Delivery charges increase with the hammer price, but are not 20% of the hammer price at all, unless you spend very little.&nbsp;&nbsp; This is the case for any postage - I see that a 100g packet will cost me €3.80 to post within Ireland, so that&#039;s 20% if the value inside is €19, or 100% if what&#039;s inside is worth €3.80.</p><p><br /></p><p>Anyway, Hirsch quote €15 for delivery in Germany up to €3,000, so if you spend €3,000 hammer, the delivery cost is 0.5%, obviously higher if you spend less.&nbsp;&nbsp; For higher hammer prices, the percentage is lower - €20 up to €10000 and €45 above, so you would be at 0.2% at €10,000 and just less than 0.45% at €10001, but 0.045% @ €100,000.</p><p><br /></p><p>Outside of Germany, they quote a minimum of €25 - if you spend €125 hammer, that is 20%, but 0.83% if you spend €3,000 (assuming the same delivery charges vs hammer cutoffs as for within Germany).</p><p><br /></p><p>Bank charges are a rip-off from the bank - within Europe, we would at least avoid that!</p><p><br /></p><p>ATB,</p><p>Aidan.[/QUOTE]</p><p><br /></p>

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