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If you are going to borrow money to invest you might as well do that in a way so as to write off the interest.
Promotional below prime rate interest rates often come at the expense of the choice of lower up front cash incentives that make a huge hit in your perceived loan-return arbitrage (the people who set the rates aren’t stupid).
Beyond that, I doubt many of the people financing BMW’s are doing it at actually doing it at hypothetical 0.9% interest rates. Often not even close.
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