View Single Post
      03-16-2008, 09:35 AM   #31
Bimmer User
BMW3R's Avatar

Drives: 2011 E92 M3
Join Date: Feb 2007
Location: SLC, UT

iTrader: (0)

Garage List
2008 Mazda3  [0.00]
Originally Posted by par4bmw View Post
Not a bad return

For BMW3R with plenty of cash on hand and the thought of driving it longer than the lease term, using a 5% loan would put even more in his pocket since the effective rate is lower than what BMW currently is using on their lease for the M3.
My dealer was willing to give me a return customer credit and some off of MSRP. We did the lease numbers with minimum down and then paying the lease forward. If I paid forward, I would save $4,500 over the 3 years. I didn't know any investments that would pay greater than $4,500 on $35,000 over 3 years.

But if I were to buy the car with minimum down. I would basically be paying the interest on the loan at the beginning and by years 3-5, I would start paying more prinicipal. So, by the time I am ready to sell the car in 3 years, I may be flip flopped.
2011 E92 M3 - Space Gray, ZCP, Akra Evo System, aFe filter, PC Stage II Tune & more!!!!