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      08-20-2012, 09:02 PM   #4
AGS's Avatar

Drives: 2016 F10 M5
Join Date: May 2012
Location: NJ

iTrader: (0)

Originally Posted by whiteM5 View Post
So I've seen the residual is pretty low on the M5's has anybody made a comparison chart on what the better move is financially?

My dealership is giving me 3.79% interest with 10k down for 60 months on my purchase

How's everybody else doing?
If you know you will keep the car for at least 3 years you should lease. The lease money factor is .00145 which equates to 3.48%. Plus you can do multiple security deposits to buy the money factor down to .00096 or 2.30%. The after tax return on doing MSDs is unbeatable in today's market. For me, it saved over $77 per payment which equates to a 9.4% annualized after tax return. Also, you get the free "put" at the end of the lease to hand the car back if it turns out to be a lemon.

The only downside is what Tourbillion mentioned - you give up some flexibility to get rid of the car before the lease ends.
Current: 2016 Silverstone M5, 2014 Anvil WW Jeep Wrangler
Previous: 2013 Monte Carlo Blue M5 (ED on 9/1/12), 2009 Carbon Black M5, 2006 Silverstone M5, 2003 Sterling Grey M5, 2000 Anthracite 540i6, 1998 Jeep Grand Cherokee 5.9Ltd, 1990 Eagle Talon TSi AWD, 1978 Mazda RX-7