Help please... 525i or infiniti m45!!!
10-25-2005, 05:29 PM
#31
Contributors
Join Date: Aug 2005
Location: Austin TX
Posts: 6,554
Likes: 0
Received 0 Likes
on
0 Posts
My Ride: 2014 X5 xDrive 5.0 M Package Carbon Black Metallic/2008 M Roadster Imola Red
Originally Posted by youyou' date='Oct 25 2005, 08:03 PM
Well tommorrow is d-day... Guaranteed i'm not sleeping tonight...lolol
I feel just like a kid.It's really quite stressful deciding between these 2 cars but at this point it's 99% sure i'm going for the m45.
I feel just like a kid.It's really quite stressful deciding between these 2 cars but at this point it's 99% sure i'm going for the m45.
[snapback]188640[/snapback]
10-25-2005, 06:32 PM
#32
Members
Join Date: Nov 2004
Posts: 37
Likes: 0
Received 0 Likes
on
0 Posts
Just trying to help here: I am no financial expert but there is something odd about this.
A. 20,000 cash down, for a lease?
B. Is there a suggestion here that the M45 is $20,000 more expensive than the 525. Such that when he put down 20,000, the payments are now the same? (I know money factor, etc. might be a different, even so...)
For our comparison, MSRP for 525i is $41,000 **PLUS** the options you ordered, for M45 is $47,000 to 50k.
Also, do you mind sharing what payment he's making after a 20,000 cash down on the M45? Vs. your payment?
Just trying to help and make sure that the math is correct here.
A. 20,000 cash down, for a lease?
B. Is there a suggestion here that the M45 is $20,000 more expensive than the 525. Such that when he put down 20,000, the payments are now the same? (I know money factor, etc. might be a different, even so...)
For our comparison, MSRP for 525i is $41,000 **PLUS** the options you ordered, for M45 is $47,000 to 50k.
Also, do you mind sharing what payment he's making after a 20,000 cash down on the M45? Vs. your payment?
Just trying to help and make sure that the math is correct here.
Originally Posted by youyou' date='Oct 23 2005, 08:38 PM
The gentleman who wants to get rid of it put 20000$ cash down on a 36 month lease and basically went bankrupt so he can't afford his payments anymore.He needs to let it go. Now I can be driving this car for the exact same price I would be paying on my 525i.?
The fact that he put soooo much money down makes the monthly payments about the same as the bmw.
The fact that he put soooo much money down makes the monthly payments about the same as the bmw.
[snapback]187851[/snapback]
10-25-2005, 06:43 PM
#33
Members
Join Date: Nov 2004
Posts: 37
Likes: 0
Received 0 Likes
on
0 Posts
I just went through and priced your car with the options, not even counting the sports seat yet (Not available as an option on edmunds.com, do you mean comfort seat?), your car's price comes out to about 52K.
In other words, that Infinity costs about THE SAME as your BMW, unless he goes nuts on some options (Unlikely since Inifinity has a lot of "toys" at the base price already?). So... If he put down 20,000, the lease monthly payment should be way way way below yours, even counting all the variables.
I am missing something here?
Note that I am not disagreeing with the choice of car, just having some checking with the math. Hope this has helped you.
In other words, that Infinity costs about THE SAME as your BMW, unless he goes nuts on some options (Unlikely since Inifinity has a lot of "toys" at the base price already?). So... If he put down 20,000, the lease monthly payment should be way way way below yours, even counting all the variables.
I am missing something here?
Note that I am not disagreeing with the choice of car, just having some checking with the math. Hope this has helped you.
Originally Posted by youyou' date='Oct 23 2005, 08:38 PM
As you might know I ordered a 2006 525i silver/gray with auburn interior with navigation package,sport package,premium package,active streeing,sport seats,hk logic 7 and adaptive xenon headlights...
Now since i'm waiting such a long time I like to just look around and see what other cars are out there.
Well I found the deal of a lifetime and i'm going nuts on what i should do.
I can basically get a 2006 infiniti m45 sport with every possible option( navigation,that amazing 14 speaker bose 5.1 system, the entertainement package that gives you a rear dvd player) I mean completely loaded up.
This car has 10000 km ( about 6000 miles). It is basically brand new. The gentleman who wants to get rid of it put 20000$ cash down on a 36 month lease and basically went bankrupt so he can't afford his payments anymore.He needs to let it go. Now I can be driving this car for the exact same price I would be paying on my 525i.? The fact that he put soooo much money down makes the monthly payments about the same as the bmw.
The bmw 525i has 215 horsepower v6 engine and the infiniti m45 sport has a 335 horepower v8 engine. Huge difference!!!
Now since i'm waiting such a long time I like to just look around and see what other cars are out there.
Well I found the deal of a lifetime and i'm going nuts on what i should do.
I can basically get a 2006 infiniti m45 sport with every possible option( navigation,that amazing 14 speaker bose 5.1 system, the entertainement package that gives you a rear dvd player) I mean completely loaded up.
This car has 10000 km ( about 6000 miles). It is basically brand new. The gentleman who wants to get rid of it put 20000$ cash down on a 36 month lease and basically went bankrupt so he can't afford his payments anymore.He needs to let it go. Now I can be driving this car for the exact same price I would be paying on my 525i.? The fact that he put soooo much money down makes the monthly payments about the same as the bmw.
The bmw 525i has 215 horsepower v6 engine and the infiniti m45 sport has a 335 horepower v8 engine. Huge difference!!!
[snapback]187851[/snapback]
10-25-2005, 06:48 PM
#34
Contributors
Join Date: Oct 2004
Location: So Cal, USA
Posts: 14,776
Likes: 0
Received 0 Likes
on
0 Posts
My Ride: 545iSMGSilver GrayAuburn Dakota LeatherLogic 7 Premium SoundSports Package
I wonder if he ment 2,000... Who would put down 20K on a lease??? Unless they know they'll buy it after the lease term.
10-25-2005, 07:06 PM
#35
Members
Join Date: Nov 2004
Posts: 37
Likes: 0
Received 0 Likes
on
0 Posts
In addition, and IMHO of course, at 52k, I now would consider a 530 with less options than a fully loaded 525i.
So now we have a comparison between a 530 6 speed manual with a M45: V8, yes, but AUTOMATIC.
I WOULD go with the 530 Manual!
But that's just my personal choice. I really am not discussing the car, just the math, which doesn't seem right. If I am right, this is a so so deal at best.
So now we have a comparison between a 530 6 speed manual with a M45: V8, yes, but AUTOMATIC.
I WOULD go with the 530 Manual!
But that's just my personal choice. I really am not discussing the car, just the math, which doesn't seem right. If I am right, this is a so so deal at best.
Originally Posted by EBMCS03' date='Oct 25 2005, 06:48 PM
I wonder if he ment 2,000... Who would put down 20K on a lease??? Unless they know they'll buy it after the lease term.
[snapback]188686[/snapback]
10-25-2005, 07:34 PM
#36
Members
Thread Starter
Join Date: Sep 2005
Location: Montreal,Canada
Posts: 52
Likes: 0
Received 0 Likes
on
0 Posts
Hi guys,
Ok so here's the situation.
In Canada everything works very differently...
The 525i msrp is 58600$ Canadian. With all the options I added it came up to 71140$. Now the dealer gave me a 4.5% discount which comes up to 67938$.
Now on a lease this his what it costs: 36month lease 800$ tx in a month with a 6500$ down payment.
The interest rate is 4.5% and the residual is 65%.
Now the m45 Msrp is 74424$. The m45 sport in question comes fully loaded with every single option available.
Now on a lease through www.infiniti.ca here's how it pans out: 20000$ down payment 935$ tx in a month. Interest rate is 5.2% and the residual is somewhere in the 50s %...
This guy in question actually put 16000$ tx in down payment and is paying 900$ tx in.
I will be taking over his lease for that amount. Now i will give the leasing company 3000$ tx in and the monthly payment will now be 800$ tx in a month. Hence I am paying 3500$ less downpayment because I was giving 6500$ for the bmw and I will be drivng the m45 sport.
Now that is basically how it all runs down.
If i wanted to get a 530I with no options except for leather because it comes standard on the 530I this is what I would be paying: Msrp 67800$
with 6500$ tx in 1010$ tx in a month. Now let me remind you thats a 2006 530i with no options whatsoever...Nothing but the leather.
Does this shed any light on the situation? And please let me know what you think...
Ok so here's the situation.
In Canada everything works very differently...
The 525i msrp is 58600$ Canadian. With all the options I added it came up to 71140$. Now the dealer gave me a 4.5% discount which comes up to 67938$.
Now on a lease this his what it costs: 36month lease 800$ tx in a month with a 6500$ down payment.
The interest rate is 4.5% and the residual is 65%.
Now the m45 Msrp is 74424$. The m45 sport in question comes fully loaded with every single option available.
Now on a lease through www.infiniti.ca here's how it pans out: 20000$ down payment 935$ tx in a month. Interest rate is 5.2% and the residual is somewhere in the 50s %...
This guy in question actually put 16000$ tx in down payment and is paying 900$ tx in.
I will be taking over his lease for that amount. Now i will give the leasing company 3000$ tx in and the monthly payment will now be 800$ tx in a month. Hence I am paying 3500$ less downpayment because I was giving 6500$ for the bmw and I will be drivng the m45 sport.
Now that is basically how it all runs down.
If i wanted to get a 530I with no options except for leather because it comes standard on the 530I this is what I would be paying: Msrp 67800$
with 6500$ tx in 1010$ tx in a month. Now let me remind you thats a 2006 530i with no options whatsoever...Nothing but the leather.
Does this shed any light on the situation? And please let me know what you think...
10-26-2005, 03:25 AM
#37
Contributors
Join Date: Feb 2005
Location: CANADA
Posts: 413
Likes: 0
Received 0 Likes
on
0 Posts
My Ride: 2011 F10 535i -Brilliant Graphite/Oyster
2006 E5004matic- I must have been on drugs when I got this car
2004 545i Black Sapphire/Truffle Brown interior
Originally Posted by youyou' date='Oct 25 2005, 10:34 PM
Hi guys,
Ok so here's the situation.
In Canada everything works very differently...
The 525i msrp is 58600$ Canadian. With all the options I added it came up to 71140$. Now the dealer gave me a 4.5% discount which comes up to 67938$.
Now on a lease this his what it costs: 36month lease 800$ tx in a month with a 6500$ down payment.
The interest rate is 4.5% and the residual is 65%.
Now the m45 Msrp is 74424$. The m45 sport in question comes fully loaded with every single option available.
Now on a lease through www.infiniti.ca here's how it pans out: 20000$ down payment 935$ tx in a month. Interest rate is 5.2% and the residual is somewhere in the 50s %...
This guy in question actually put 16000$ tx in down payment and is paying 900$ tx in.
I will be taking over his lease for that amount. Now i will give the leasing company 3000$ tx in and the monthly payment will now be 800$ tx in a month. Hence I am paying 3500$ less downpayment because I was giving 6500$ for the bmw and I will be drivng the m45 sport.
Now that is basically how it all runs down.
If i wanted to get a 530I with no options except for leather because it comes standard on the 530I this is what I would be paying: Msrp 67800$
with 6500$ tx in 1010$ tx in a month. Now let me remind you thats a 2006 530i with no options whatsoever...Nothing but the leather.
Does this shed any light on the situation? And please let me know what you think...
Ok so here's the situation.
In Canada everything works very differently...
The 525i msrp is 58600$ Canadian. With all the options I added it came up to 71140$. Now the dealer gave me a 4.5% discount which comes up to 67938$.
Now on a lease this his what it costs: 36month lease 800$ tx in a month with a 6500$ down payment.
The interest rate is 4.5% and the residual is 65%.
Now the m45 Msrp is 74424$. The m45 sport in question comes fully loaded with every single option available.
Now on a lease through www.infiniti.ca here's how it pans out: 20000$ down payment 935$ tx in a month. Interest rate is 5.2% and the residual is somewhere in the 50s %...
This guy in question actually put 16000$ tx in down payment and is paying 900$ tx in.
I will be taking over his lease for that amount. Now i will give the leasing company 3000$ tx in and the monthly payment will now be 800$ tx in a month. Hence I am paying 3500$ less downpayment because I was giving 6500$ for the bmw and I will be drivng the m45 sport.
Now that is basically how it all runs down.
If i wanted to get a 530I with no options except for leather because it comes standard on the 530I this is what I would be paying: Msrp 67800$
with 6500$ tx in 1010$ tx in a month. Now let me remind you thats a 2006 530i with no options whatsoever...Nothing but the leather.
Does this shed any light on the situation? And please let me know what you think...
[snapback]188707[/snapback]
With the number that you are quoting on the M45 sport, I suggest you show up today, run , do not walk and GET THIS CAR. It is a great deal and a great car.
I am paying $999.00 plus tax for a 2004 545i with no other options other than what was standard plus 4 winters that I made them throw in, and at the time this was a good deal. Car was priced at $79,000.00 reduced to $72K, lease runs for 39 months. I should have realized that this was a sports model when you mentioned the speakers in the head rest. I was quoted the same numbers on an M35X with zero down over 36 months. Just make sure that everything is clear with Nissan Finance and that the lease get's assigned in your name. Your getting this car for around $800.00/ mo before tax, a G35 is not far from that price. last thing, make sure this guys payments are up to date given his financial situation. Enjoy the car.
10-26-2005, 04:37 AM
#38
Members
Join Date: Nov 2004
Posts: 37
Likes: 0
Received 0 Likes
on
0 Posts
Hi there,
I really am spending more time on this thread than I should. But, I guess I need to finish what I started.
The key to me is this: Are you a DIE HARD manual guy? If you are, you will NOT be happy with an automatic. If you are not, then it gets a little easier--more in favor of the M45 as many here have indicated. Have you test driven M45 vs. 530 Manual? If not, might be a good idea before making a decision.
About the math, is this really true, such unfavorable lease condition (residual, money factor) for the 530 vs. 525? I mean, how is this that for same selling price of 68k, the payment of the 530 is $200 more per month?
You did not figure that there would be some discount from MSRP on the 530? There should be.
Re. the "toys" in the car: Yes they are fun. Yes they add to the experience. But obviously you are drawn to BMW or Infinity because of the DRIVING experience right? 5 years from now, I think it's the driving expereince that will remain important, not the toys.
Esthetically, I must admit my own bias: I prefer the 5. I think it has more character. Ok, it's "Bangle"
character, but it still attracts my eyes and attention more.
BTW, you realize the Porsche Boxter lists for about the same as the 525
? Grin. (It's a totally different class of car. For the driving experience, it IS worth a test drive.)
I really am spending more time on this thread than I should. But, I guess I need to finish what I started.
The key to me is this: Are you a DIE HARD manual guy? If you are, you will NOT be happy with an automatic. If you are not, then it gets a little easier--more in favor of the M45 as many here have indicated. Have you test driven M45 vs. 530 Manual? If not, might be a good idea before making a decision.
About the math, is this really true, such unfavorable lease condition (residual, money factor) for the 530 vs. 525? I mean, how is this that for same selling price of 68k, the payment of the 530 is $200 more per month?
You did not figure that there would be some discount from MSRP on the 530? There should be.
Re. the "toys" in the car: Yes they are fun. Yes they add to the experience. But obviously you are drawn to BMW or Infinity because of the DRIVING experience right? 5 years from now, I think it's the driving expereince that will remain important, not the toys.
Esthetically, I must admit my own bias: I prefer the 5. I think it has more character. Ok, it's "Bangle"
character, but it still attracts my eyes and attention more.BTW, you realize the Porsche Boxter lists for about the same as the 525
? Grin. (It's a totally different class of car. For the driving experience, it IS worth a test drive.)
Originally Posted by youyou' date='Oct 25 2005, 07:34 PM
The 525i msrp is 58600$ Canadian. With all the options I added it came up to 71140$. Now the dealer gave me a 4.5% discount which comes up to 67938$.
Now on a lease this his what it costs: 36month lease 800$ tx in a month with a 6500$ down payment.
The interest rate is 4.5% and the residual is 65%.
.....................
If i wanted to get a 530I with no options except for leather because it comes standard on the 530I this is what I would be paying: Msrp 67800$
with 6500$ tx in 1010$ tx in a month.
.............................
Now the m45 Msrp is 74424$.
This guy in question actually put 16000$ tx in down payment and is paying 900$ tx in.
Now on a lease this his what it costs: 36month lease 800$ tx in a month with a 6500$ down payment.
The interest rate is 4.5% and the residual is 65%.
.....................
If i wanted to get a 530I with no options except for leather because it comes standard on the 530I this is what I would be paying: Msrp 67800$
with 6500$ tx in 1010$ tx in a month.
.............................
Now the m45 Msrp is 74424$.
This guy in question actually put 16000$ tx in down payment and is paying 900$ tx in.
[snapback]188707[/snapback]
10-26-2005, 07:06 AM
#39
Members
Thread Starter
Join Date: Sep 2005
Location: Montreal,Canada
Posts: 52
Likes: 0
Received 0 Likes
on
0 Posts
Well I have to admit I am a die hard manuel fan. But to be quiet honest I am a die hard horsepower/spped fan as well and the 525i since the day I had ordered, i had my doubts about the speed. As for the 530i I did test drive it in a six speed and it was much more impressive then the 525i I have to admit. But again the prices I quoted are accurate and even if I added a discount it still would be much higher.
Now as for all the gadgets well then I have to admit that the bmw looks like a civic on the inside compared to what the m45 offers.
Don't get me wrong I was drawn to the bmw before anything else so I am not bashing it in any way I just think that comparing these cars then the m45 wins. And again I was comteplating it for 3 days( i hardly had any sleep) but at the end of the day even though the bmw is a bmw it still doesnt come close to what the m45 sport has to offer. Now were talking about a 525i. If I were talking about a 550I or even a 545I then that would be a completely different story and I would have chosen the bmw for sure.
I guess bmw will be next on the line... :-(
I will probably be getting the m45 tommorrow so I will post some pics as soon as I can.
You guys have been great in my decision making, truly and I thank you all for your honest opinions.
And I am still a die hard bmw fan ad will be on this forum every day.
Now as for all the gadgets well then I have to admit that the bmw looks like a civic on the inside compared to what the m45 offers.
Don't get me wrong I was drawn to the bmw before anything else so I am not bashing it in any way I just think that comparing these cars then the m45 wins. And again I was comteplating it for 3 days( i hardly had any sleep) but at the end of the day even though the bmw is a bmw it still doesnt come close to what the m45 sport has to offer. Now were talking about a 525i. If I were talking about a 550I or even a 545I then that would be a completely different story and I would have chosen the bmw for sure.
I guess bmw will be next on the line... :-(
I will probably be getting the m45 tommorrow so I will post some pics as soon as I can.
You guys have been great in my decision making, truly and I thank you all for your honest opinions.
And I am still a die hard bmw fan ad will be on this forum every day.
10-26-2005, 07:15 AM
#40
Contributors
Join Date: Jul 2004
Location: Costa Mesa, CA
Posts: 1,591
Likes: 0
Received 0 Likes
on
0 Posts
My Ride: Gone: 2004 525i Jet Black, Built 03/04, Premium Package, Black Dakota Leather, Halogen to Euro Spec Bi-Xenons Retrofit, Dark Poplar Wood Trim, Steptronic Breyton Spirit Reps 20x9F 20x10R - Nitto NT555 245/35/20F-275/30/20R, M5 Front Bumper, H&R Sport Springs, Chrome Grills, 20% Tint, Euro Reflectors, Debadged, Aux Input, CIP v19.x
I would go the BMW route, no matter the hp. But then again that's just me 
The styling/handling/drive/overall feeling of driving a BMW more than makes up for the lack of hp imo. I can't see you making a wrong choice either way.
The fact that I own a 525 has nothing to do with my opinion
The styling/handling/drive/overall feeling of driving a BMW more than makes up for the lack of hp imo. I can't see you making a wrong choice either way.The fact that I own a 525 has nothing to do with my opinion