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  BMW Forums » BMW discussion forums » BMW 3-Series
  Buying vs leasing 330i ED

 Buying vs leasing 330i ED



Guys and Gals,
we discussed this, usually people say buying is a better option if you sell after 5 years. Here is the dilemma: I am not sure about my location in 3 years (outside US maybe?). Therefore I argue, well let's buy, at least I can sell at any time and do not have to preterminate a lease agreement (costly). Since ED will save me ca. $4000 compared to MRSP and residual on lease is calculated on MRSP price (if they don't try to cheat), I wondered whether the above stated is still true. I used the Buy vs Lease calculator on Edmunds and it tells me with 36/15000 and MF 0.003 vs 60 or 48 ms loan at 5.75% BUY IT. So, do I come out ahead if I buy and sell after 3 years. Is this accurate or can one not use this calculator since residual price and negotiated selling price are $4000 apart? Thanks for your input!

PS: Test drove a jet black 330i automatic today, WOW, fast acceleration, I couldn't concentrate on anything else but thought interior was nice (A4 quality). Good room in back, beautiful design. Drool.. By the way, this forum is awesome, I gained so much insight just from reading previous posts, I am very thankful
   Reply » Buying vs leasing 330i ED

Leasing Option

Rerun your lease numbers again with the following assumptions. These assumptions are achievable through negotiation on ED car.

The car is not coming out of dealer allocation. You should be able to get the car for $500 over ED Wholesale Price on both the car and options.

Money factor currently is at .00265 for the buy rate. For ED cars BMW drops the second lease payment. In order to make up for this they add .0003 to the money factor.

Also if you are a member of BMW Car Club of America for over a year you get a $500 rebate check. See BMW CCA for details.

Make sure that the residual is based US MSRP not ED MSRP. The difference is over $2,000 on the lease.

Finance Option

You can join the Pentagon Federal Credit Union and get a 4.25 loan for up to 60 months. It is intended to be for Pentagon employees and military personnel, but they allow the rest of us to join.


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