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Thread: Break Even Point?

  1. #1
    Join Date
    Dec 2006
    Location
    Belleville, MI
    Posts
    254
    My Cars
    18 340i ZHP/6MT, Boxster

    Break Even Point?

    I'm thinking of trading my 2012 335i on a lease of a 2018 340i 6-speed ($62190). With $3k down (+trade and $4250 in incentives) payment is just under $650/mo. I'm struggling with the idea of not building any equity in the car, also will there be such good incentives in 3 years or will the next car cost $900/mo. Residual value is $36k, if I were to buy at that point how many years would it take for me to be in a positive equity situation? I know there are no crystal balls to tell the future, but what is trade value on a very loaded 2013 335i? Figure 2 years into the loan I'd owe about $22k if I didn't put anything extra down when buying it at lease end.

  2. #2
    Join Date
    Jan 2015
    Location
    Philly
    Posts
    254
    My Cars
    '14 328xi Sport Line
    Quote Originally Posted by Lightngsvt View Post
    I'm thinking of trading my 2012 335i on a lease of a 2018 340i 6-speed ($62190). With $3k down (+trade and $4250 in incentives) payment is just under $650/mo. I'm struggling with the idea of not building any equity in the car, also will there be such good incentives in 3 years or will the next car cost $900/mo. Residual value is $36k, if I were to buy at that point how many years would it take for me to be in a positive equity situation? I know there are no crystal balls to tell the future, but what is trade value on a very loaded 2013 335i? Figure 2 years into the loan I'd owe about $22k if I didn't put anything extra down when buying it at lease end.
    If you want to know the trade value of a very loaded 2013, why aren't you checking Kelley Blue Book?
    2014 328i xDrive | Black Sapphire / Black Red Dakota | Sport Line | Premium Pkg | Lighting Pkg | Cold Weather Pkg | Driver Assistance | Nav | Shift Paddles

  3. #3
    Join Date
    Dec 2006
    Location
    Belleville, MI
    Posts
    254
    My Cars
    18 340i ZHP/6MT, Boxster
    Good point. In 3-5 years who knows what a manual trans 340i will be worth. Kinda of a moot point now anyway, I bought the 340i, so gonna just enjoy it.

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