Trying to decide to lease or purchase. Lease would be 36 mos or purchase using a 5 year loan, I would be putting down enough money on the purchase that the monthly payments would be nearly identical. If I purchase I'd plan to keep the car for 5 years, hopefully be in good shape keeping it only 1 year outside warranty. The calculation comes down to what the car would be worth after 5 years. Could one expect a 50k msrp configured car to be worth 20k in 5 years assuming around 65k miles? Went to kbb.com and configured a similar 2008 328 and it has a current trade in value of 16k, but I know the car was likely a bit less expensive then. It seems that with a value of 20k the monthly cost of ownership is about 85 per month less on the purchase, assuming its worth 20k, less then that and likely the lease is the way to go.