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I'll be honest all that finance stuff baffles me.
Buy price vs sale divvied over months = pcm depreciation.
If that's tolerable I'm happy.
Finance just adds cost so I'd rather borrow my savings than pay £££
The kicker is when BMW (and others) start giving discounts to get finance, which then makes the maths fairly heavy going haha.
From what I can see on BMW top model discounts, they're all offset by small deposits so the borrowed amount and thus cost of credit offsets the discount.
In this case, we now have a nice LCI.
If we really really like the 335d we can order one to spec next year at a great price hopefully, and trade this one for it plus a bit more cash.
But ultimately the one we bought is a great spec and we'll likely keep it 10yrs now.
Adaptive lights and hud and acc are all nice but probably stuff I won't have to worry about breaking in 5 years and costing £1000 to fix!
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