Quote:
Originally Posted by par4bmw
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.