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BMW i3 I01 (2014 - Current)
The BMW i3 and BMW i8 are the first two cars launch under BMW's new sub brand BMW i. The i3 is an all carbon fiber, all electric vehicle meant for urban mobility.

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Old 05-07-2017, 10:47 AM
Ossian512 Ossian512 is offline
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Location: Austin
 
Join Date: Dec 2016
Posts: 81
Mein Auto: 2018 530e
iPerformance and Owner's Choice cross-post

Hi folks - cross-posting this from the "Ask a BMW Dealer thread" since some of you might have direct experience with it...

My 530e is crossing the Atlantic at the moment, so I suppose it's time to figure out how I will pay for it...

Some questions for those of you in Texas, Georgia, or other states with hostile leasing tax treatment:

I am considering Owner's Choice instead of leasing, but not because I think I might buy the car at 36 months. Tell me if these assumptions are correct/incorrect:


OC is a purchase with a lease-like option to return. As a purchase, I would qualify for *financing* incentives/rebate rates such as USAA and fleet, rather than lease rate incentives/rebates

For iPerformance vehicels, OC would entitile me to the federal tax credit since it is a purchase

OC does not include gap insurance, therefore I would have to get that coverage elsewhere

OC does not require a leas acquisition fee

I still have to pay full sales taz on the OC purchase -- I just wouldn't get double-taxed if I make the balloon payment at contract term

There are no rate benefits from fleet, USAA, etc since there is no Money Factor, just an interest rate


I've always skipped OC in the past since I had no intention of buying my leased car at 36 months, but if the tax credits AND finance incentives/rebates apply, I think I'd be foolish not to go that OC route this time. What am I missing here?
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