BMW 435d xDrive M Sport 2dr Auto - Good Deal?

[ljw2k]

Looking for for a new car 335D and come across a beautiful looking 435d for 30k minus 2k dealer contribution so Total 28k for a 17 plate with nice spec.

http://www.sytner.co.uk/car-search/7075645-bmw-4-s...

Edited by ljw2k on Sunday 24th September 05:15

[rassi]

Crazy prices in the UK, that is a 70k euro car new in Belgium. 28k seems like a fantastic deal!

[Driver101]

There was 0% finance deals on the 335d recently. A brand new highly optioned car worked out less than that deal if you're looking at the taking the car on PCP.

I'm sure it was around a £13k discount on list price taking them down to around £37k.

[Wills2]

It's cheap because it's a pre reg non LCI but if you're not bother about the LCI then looks a good deal at 28k, ordering a new LCI with that spec would cost around 40k.

[Helicopter123]

I would be very careful buying any diesel at the moment.

Real prospect of higher taxes and uncertain residual values have put me off.

[anonymous-user]

Helicopter123 said:

I would be very careful buying any diesel at the moment.

Real prospect of higher taxes and uncertain residual values have put me off.

Which higher taxes?

[ljw2k]

What's the main differences between the LCI and non LCI is it just cosmetics? lights etc?

Also the LCI will come under the new tax laws which make it near £1600 more over the 5 years.

I note the main things as in engine and gearbox no change which is the main feature of the car IMO.

Edited by ljw2k on Sunday 24th September 16:53

[335d]

Sounds excellent value to me. I would bite their hand off if I was after a new car at the moment.

[rayyan171]

Astonishing deal - LCI really hasn't got much of a significance when there's much more options at a lower choice. I went pre-lci and have no regrets.

[ljw2k]

Driver101 said:

There was 0% finance deals on the 335d recently. A brand new highly optioned car worked out less than that deal if you're looking at the taking the car on PCP.

I'm sure it was around a £13k discount on list price taking them down to around £37k.

Price On The Road £49,730 (this is £850 less than the latest price)
Our price £42,975
BMW contribution £5000

Customer price OTR £37,975.

Customer deposit £3000
Then 47 x £379 plus GFV £17,141.
based on 8K miles pa
APR 0%

Basically it will cost a sum of :

47 payments of £379 a month =£17813 plus £3000 deposit equates to just over 20k

£20.813 spent in 4 years on something that's never yours, you are limited to 8k mls year.
£5,203 a year loss don't sound good to me sorry.

I would rather have a much better car and only loose 5k in 3 years.

Edited by ljw2k on Sunday 24th September 21:38

[ljw2k]

Helicopter123 said:

I would be very careful buying any diesel at the moment.

Real prospect of higher taxes and uncertain residual values have put me off.

If I read right this only effects most cars below 2015 which are Euro5 and below and the 2017 BMW 435D is Euro6.

[Welshbeef]

Helicopter123 said:

I would be very careful buying any diesel at the moment.

Real prospect of higher taxes and uncertain residual values have put me off.

Higher taxes as in increased congestion charges possibly.


But uncertain residuals - irrelevant if the OP goes down he PCP route with its GFV.

[Wills2]

At 28k I'd look to buy that outright however the 2k will only be available if you use their finance which on the advert is a shocking 10.9%, I'd be tempted to buy it with a much cheaper loan from one of the lenders and slap in as big a deposit as you can that way the car is yours with no GFV to worry about.

It's a good price.

[Driver101]

ljw2k said:

Driver101 said:

There was 0% finance deals on the 335d recently. A brand new highly optioned car worked out less than that deal if you're looking at the taking the car on PCP.

I'm sure it was around a £13k discount on list price taking them down to around £37k.

Price On The Road £49,730 (this is £850 less than the latest price)
Our price £42,975
BMW contribution £5000

Customer price OTR £37,975.

Customer deposit £3000
Then 47 x £379 plus GFV £17,141.
based on 8K miles pa
APR 0%

Basically it will cost a sum of :

47 payments of £379 a month =£17813 plus £3000 deposit equates to just over 20k

£20.813 spent in 4 years on something that's never yours, you are limited to 8k mls year.
£5,203 a year loss don't sound good to me sorry.

I would rather have a much better car and only loose 5k in 3 years.

Edited by ljw2k on Sunday 24th September 21:38

I was running with the assumption you were taking the PCP deal on the car above due to taking the finance contribution into account. The cost to PCP the 435d is more than a brand new higher spec 335d. Buying outright makes it different. The mileage limits aren't set on PCP deals. It wouldn't be much to increase that. That's irrelevant now.

You'll lose more than £5k in 3 years. BMW are heavily discounting these and offering interest free finance for a reason. After all the negative diesel hype the demand has significantly dropped. I wouldn't anticipate values to be the same in 3 years time as now as they are now. You're getting it a lot cheaper now.

[ljw2k]

I personally think prestige cars ( 40k plus ) registered after 1st April 2017 will certainly be harder to sell with the new tax laws £460 Tax a year for 5 years, If like me it's not the money but the principle behind it when the next door neighbour has the same car but a week younger and only Pays £135 a year........Crazy.

PCP might work for other people but I see it as putting people in cars they can't really afford, the dealers hit their targets. I know some people will mention mortgages but property don't usually depreciate so is an Investment where a car is a luxury right!.

[Driver101]

Wills2 said:

At 28k I'd look to buy that outright however the 2k will only be available if you use their finance which on the advert is a shocking 10.9%, I'd be tempted to buy it with a much cheaper loan from one of the lenders and slap in as big a deposit as you can that way the car is yours with no GFV to worry about.

It's a good price.

If he's working on the assumption he'll only lose £5k over 3 years and dismissed my 335d suggestion as £5k per year he can't be taking finance.

The PCP deal on that 435d is stupidly expensive. £28k price and the 4 year PCP adds up to nearly £24k then a £15 balloon.

[ljw2k]

Driver101 said:

I was running with the assumption you were taking the PCP deal on the car above due to taking the finance contribution into account. The cost to PCP the 435d is more than a brand new higher spec 335d. Buying outright makes it different. The mileage limits aren't set on PCP deals. It wouldn't be much to increase that. That's irrelevant now.

You'll lose more than £5k in 3 years. BMW are heavily discounting these and offering interest free finance for a reason. After all the negative diesel hype the demand has significantly dropped. I wouldn't anticipate values to be the same in 3 years time as now as they are now. You're getting it a lot cheaper now.

I agree with you to some extent and no one can see into the future and Values could go up or down who knows its a Risk that looking at today's values the loss will be very acceptable and even if it was twice the 5k wouldn't be a bad Price for the asking price of the car.

I should have worded my first post better to say I would be setting up the PCP to get the £2000 Dealer Contribution and then paying it off within 14 days to get it for the 28k sorry about this my fault.

Edited by ljw2k on Sunday 24th September 22:39

[JerryF]

Just read this - buy it, it's an absolutely fantastic deal on a great car. I have an LCI model - which I also got a great discount on.

Stratstone are selling pre-registered 67 and 17 pate 335d Tourings and saloons with great discounts.

[Welshbeef]

You do realise BMW are not selling a 550d or 535d for the new 5 series.

They are really pulling out of diesel

[335d]

Welshbeef said:

You do realise BMW are not selling a 550d or 535d for the new 5 series.

They are really pulling out of diesel

While I appreciate that there is no more powerful diesel 5 than the 530d currently, I had always assumed that the 535d (possibly badged 540d) would be released at some point. I had this in mind as a possible future car.

Are you sure that this won't happen, and how do you know that?