Quote:
Originally Posted by x5forme
This is the deal I have - Finance - 10% off MSRP + 4.99% APR w/7500 BMW FS Credit, I intend to keep my vehicle for more than 3 years. So I am thinking I will just go with the purchase as the cost of Lease Buyout is much higher than what the current lease is available (10% MSRP + .0025 MF + Lease Fees + Disposition Fees). On a 5 year comparison, Lease should be at least (13% MSRP + .0021 Base MF) for me to consider a lease + buyout.
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Well, even at a MF of 0.0025 you are at 6%, so just 1% more than your finance APR. The major question I would be asking is this: what will happen to the iX value in 3-5 years when it has ceased production, and has been replaced in the line-up by the iX5? I think I’d be happier letting BMW assume the risk that the valuation at 3 years hadn’t ’fallen off a cliff’.
But: if you keep a vehicle far longer than 5 years, then the depreciation curve will flatten out nicely for you, and value at 3-5 years is moot.