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It's pretty simple actually. If you leased your car, you're paying the expected (per BMW's leading terms) depreciation of the car. Depending on your leading terms, you're residual value is set up front and you should know this. Let's just say you're car's residual value at lease end is 60% of your msrp, and your msrp was $75,000, you're residual value at lease end its $45,000. That's the amount BMW financial would expect you to pay for it. If you choose to buy it now within your lease period, that's a different deal.
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