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Old 11-30-2012, 08:39 PM
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dunderhi dunderhi is offline
Next: '18 AMG GT Roadster
Location: MD
Join Date: Dec 2006
Posts: 6,866
Mein Auto: 15 M6 vert, 15 328dxt
Originally Posted by Alpine300ZHP View Post
Your example and mine are why I do not subscribe to the "always lease" or "always buy" mantra. When I purchase a new car I look at both ways of paying for it and pick the one that makes the most sense. In 2011, for me, buying both cars made the most sense. 90% of my purchases have been leases though. Next up for me is an x5M or x5 5.0 and I will weigh the lease vs. buy when I get that car. Now Dunderhi...we must both be on the same wavelength because I have been seriously thinking about a 6 for my next car (the x5 will be for the wife). After doing a track day in a M6 I think I have found my new favorite BMW (once the wife gets the x5 I will no longer need or want a sedan).
Great minds do think alike, except Mrs. D isn't ready to part with her 335d quite yet. (Yes BJ, she has 40kmi on her out of date E90 and she doesn't want a new car.) Anyway, I ran the lease numbers on a $120k M6 doing an ED (allowing for $5k profit) with no money down and the taxes rolled in yields an $1,800/mo payment. Not too bad, but I predict that this time next year the ED profit margin would be down to $1,200; dropping the monthly payments by $100/month. Doing a loan hits about $2k/mo for 60mo at 3.29%. Unfortunately, this loan amount is too big for PenFed ($70k max), so BMW's rate might be the best choice on a buy.

2015 M6 Drophead Coupé
2015 328xd Estate
2013 X5M Sport Utility Vehicle
2013 650xi 2 Door Fastback Saloon
2011 Dinan 5 Saloon
2011 335d Saloon