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I buy / finance my cars at a credit union at very low interest rates, no cash down and long amortization to keep my payments low and to maximize my flexibility as I like to switch cars every 2 years. For example my 2011 X3 3.5 has a monthly payment of $685 with 3.5 percent interest for 6 year term. I will trade this for my ordered 2013 328i. From my perspective leasing is restrictive and the payments are similar. Everyone's situation is unique.
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