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  #41  
Old 31.08.2016, 12:16
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

it is actually tyres + rims
i figure tyres only would cost 1'200, and with a lower inch rim (18" instead of 19") it is also a good idea.

the selling point was that for 5 years they change them out for free, so i won't have to pay
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  #42  
Old 31.08.2016, 12:21
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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You mean ONLY 2700chf for a set of BMW winter wheels and tyres
now I know why I only buy second hand cars with winter tyres included
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  #43  
Old 31.08.2016, 17:51
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

@obli: your car is massively overpriced. 77'000 is about 70'000 EUR. Just across the border, in Germany you find a similar one for much less. It's starting at 42'000 EUR, your residual value. This is 40% less. You pay around 8+4=12% import duties but get the German VAT19% back.


Search on mobile.de or similar sites
http://suchen.mobile.de/fahrzeuge/au...&ms=3500%3B120
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  #44  
Old 31.08.2016, 18:07
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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@obli: your car is massively overpriced. 77'000 is about 70'000 EUR. Just across the border, in Germany you find a similar one for much less. It's starting at 42'000 EUR, your residual value. This is 40% less. You pay around 8+4=12% import duties but get the German VAT19% back.


Search on mobile.de or similar sites
http://suchen.mobile.de/fahrzeuge/au...&ms=3500%3B120
List price of the base 440xi Gr Coupe is 54,500eur - spec one to the spec of this one 77k 440xi with new price of 89k - and you're looking at 71,000eur.
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  #45  
Old 31.08.2016, 18:10
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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List price of the base 440xi Gr Coupe is 54,500eur - spec one to the spec of this one 77k 440xi with new price of 89k - and you're looking at 71,000eur.
Plus he'd have to find 71k to buy the damn thing
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  #46  
Old 31.08.2016, 18:12
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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Plus he'd have to find 71k to buy the damn thing
Especially as he can't lease at 4.77% in Germany
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  #47  
Old 31.08.2016, 18:20
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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Plus he'd have to find 71k to buy the damn thing

It's not 71k, it's only 42k, just have a closer look.
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  #48  
Old 31.08.2016, 18:21
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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List price of the base 440xi Gr Coupe is 54,500eur - spec one to the spec of this one 77k 440xi with new price of 89k - and you're looking at 71,000eur.
It seems there are already offers below list price. 42k is below 54k. This indicates that the price for the new car will continue to drop. At 71k it's a huge rip-off.
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  #49  
Old 31.08.2016, 18:22
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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It's not 71k, it's only 42k, just have a closer look.
You aren't comparing like with like. Regardless, he'd have to find 42k in cash then
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  #50  
Old 31.08.2016, 18:22
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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Especially as he can't lease at 4.77% in Germany
You don't lease it, you buy it. Much cheaper. The total cost is important, not the rate. Just do the math.
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  #51  
Old 31.08.2016, 18:23
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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It's not 71k, it's only 42k, just have a closer look.
Perhaps you should take a look - the 42k model is a coupe - not a Grand Coupe - it is also advantage spec. Furthermore - it is only available to business customers and not available for export. It is also a manual with cloth interior and no options. List price of such a car is 49,600.

As I have already said - I have just specced a like for like on the German site - and got 71,000eur - on 4.77% leasing.

I don't doubt that you can get some discount on a German one - but the difference is not going to be as big as you are trying to make out.
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  #52  
Old 31.08.2016, 18:35
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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You aren't comparing like with like. Regardless, he'd have to find 42k in cash then
Yes, he has to find 42k.
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  #53  
Old 31.08.2016, 18:52
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

copying from my quote:

stock price: 70'300.00
price of options: 20'490.00
total price: 90'790

15% discount: -13'620.00

total price incl. vat: 77'170.00 CHF (or 70'220 EUR)

additional: winter tires @ 2700'00 and delivery @ 630 (incl. motorway tax)

grand total: 80'500.00 CHF (i would not use this amount for calculations for the car price as this is not relevant to the actual purchase, they are additional equipment i've requested on top from the dealer)

@ 1% p.a. APR

no cash, no down payment, almost free money.

options to get 77'170 CHF in cash: cheapest in migros bank, which would cost me @ 5.9% p.a.:
per month 1480 CHF, with total interest: 11'773 CHF over 60 months period.
this totals: 88'800 CHF total payments

my idea is to pay 1000/month for 48 months and then finance the purchase at the same migros bank for the residual 34'800 CHF:
1000*48 = 48'000
36 months loan at migros = 1055 CHF * 36 = 37'980
grand total: 85'980 CHF

that's without ever putting any cash down, but if i decide to buy it out instead of refinancing, i end up paying a total of 82'800 CHF. which can be considered depending on life choices in 4 years

importing same car from Germany (thanks for doing the specs): 71'000 EUR
-19% VAT = 57'510 EUR
+4% customs = 2'840 EUR
+8% VAT = 4600 EUR
+ Processing Fees = circa 600 CHF
Total : 65'550 EUR, or 72'100 CHF

Last edited by obli; 31.08.2016 at 19:04.
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  #54  
Old 31.08.2016, 19:17
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

Just buy the bloody car and enjoy it
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  #55  
Old 31.08.2016, 19:30
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

For this price you can just buy a Tesla and not worry about getting ripped off by Swiss dealers. Tesla's are actually cheaper here than elsewhere thanks to low VAT and they don't seem to charge extra just "because it's Switzerland". Also their residual values are amazingly strong, you'll lose less on depreciation
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Old 31.08.2016, 20:13
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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For this price you can just buy a Tesla and not worry about getting ripped off by Swiss dealers. Tesla's are actually cheaper here than elsewhere thanks to low VAT and they don't seem to charge extra just "because it's Switzerland". Also their residual values are amazingly strong, you'll lose less on depreciation
ewww, that robotics no petrol battery ipad thingy? no, thanks, i like to drive a car
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  #57  
Old 31.08.2016, 20:29
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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ewww, that robotics no petrol battery ipad thingy? no, thanks, i like to drive a car
I only see an overpriced bmw thing for Swiss residents. The model itself is an overpriced model among the most overpriced bmw models. Which car do you mean? I see no car, no value. Only a BMW Swiss price. Swissy pricey overpricey.

A new Serie 5 BMW starts at 30'000 EUR, at 45'000 EUR you have probably all the option you need and not necessarily need.
http://suchen.mobile.de/fahrzeuge/au...2C26%2C67%2C70
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Old 31.08.2016, 20:38
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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A new Serie 5 BMW starts at 30'000 EUR, at 45'000 EUR you have probably all the option you need and not necessarily need.
http://suchen.mobile.de/fahrzeuge/au...2C26%2C67%2C70
Bless - you really don't have any idea do you. Someone buying a stylish, high powered, well equipped sports saloon/coupe does not look at an out going low powered poverty spec large saloon.

Why don't you just recommend a 1991 735 instead??
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Old 31.08.2016, 20:44
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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Bless - you really don't have any idea do you. Someone buying a stylish, high powered, well equipped sports saloon/coupe does not look at an out going low powered poverty spec large saloon.

Why don't you just recommend a 1991 735 instead??
You forgot to groan.
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Old 31.08.2016, 20:55
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Re: Please help evaluate BMW leasing offer from dealer [too good to be true]

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Bless - you really don't have any idea do you. Someone buying a stylish, high powered, well equipped sports saloon/coupe does not look at an out going low powered poverty spec large saloon.
Someone leased an overpriced car and wants to convince everyone that this is the best option and do the same. In order to feel better about his own choice.

And buying a car with cash is horror, not to speak of buying this year model or not having all gadgets included. Did I miss anything?
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