330i to 135i - or not?
Discussion
Hi fellas
Long time lurker, first time poster seeing some sage advise
Currently have a 330i on a PCP deal which runs out in Aprl as the nice man from BMW has reminded me.
I'm in a bit of a quandry as to what to do next.
I really like the motor, only real negative points it has the basic stereo which is poor, sport seats would be better and iDrive would be nice-to-have. But it's immaculate and hasn't cost me a penny other than tyres. I have to shell out £10K if I want to keep the car which is still a good price for an 06 330i with 40K miles (if we accept the monthly payments are sunk).
Trouble is, I'm trying to be prudent. Missus is pregnant and giving up work. She has a new chelsea tractor so baby needs are largely taken care of.
However, buying the car outright would do serious damage to my savings which I think I'd rather hang on to just now. So, maybe the options is to roll the PCP into a new one and continue to pay ~£500 pcm with a baloon in 2 or 3 years.
In which case a sceond hand 135i ticks a lot of boxes - about £25K should see one with the all toys and about the same monthly outgoing, leaving my savings alone. And it's wee bit peppy-ier and perhaps more special.
Really can't make my mind up. So I thought I'd trouble you guys with it too. Well done for reading this far!
Long time lurker, first time poster seeing some sage advise
Currently have a 330i on a PCP deal which runs out in Aprl as the nice man from BMW has reminded me.
I'm in a bit of a quandry as to what to do next.
I really like the motor, only real negative points it has the basic stereo which is poor, sport seats would be better and iDrive would be nice-to-have. But it's immaculate and hasn't cost me a penny other than tyres. I have to shell out £10K if I want to keep the car which is still a good price for an 06 330i with 40K miles (if we accept the monthly payments are sunk).
Trouble is, I'm trying to be prudent. Missus is pregnant and giving up work. She has a new chelsea tractor so baby needs are largely taken care of.
However, buying the car outright would do serious damage to my savings which I think I'd rather hang on to just now. So, maybe the options is to roll the PCP into a new one and continue to pay ~£500 pcm with a baloon in 2 or 3 years.
In which case a sceond hand 135i ticks a lot of boxes - about £25K should see one with the all toys and about the same monthly outgoing, leaving my savings alone. And it's wee bit peppy-ier and perhaps more special.
Really can't make my mind up. So I thought I'd trouble you guys with it too. Well done for reading this far!
I would definitely get a 1er over the 3er, I have had 2 of each now, and definitely prefer the 1er.
You could just refinance the £10k though, over 60 months it is only £200 a month, or 36 months around £310 a month, if you paid the £500 a month you would own it outright in just under 2 years.
Anyway, that is a choice you will have to make, I would rather hand it back and buy a 2006 330i M-Sport with Nav for a couple of grand more.
I personally wish the coupe was available in 130i guise, I had a 335i and while very good it was a bit dull, no sense of reward like the NA 130i.
But still a very, very good car and a lot more fun than your 330i SE.
If you spend £25k on a 135i do it over 60 months straight repayment, it will cost you around £502 a month with no deposit.
If you use the BMW PCP plan they will want £497 a month over 36 months with a grand deposit and you will have a balloon of £12500 at the end.
Just something to think about, you can also get a settlement figure at any time with the straight repayment plan.
You could just refinance the £10k though, over 60 months it is only £200 a month, or 36 months around £310 a month, if you paid the £500 a month you would own it outright in just under 2 years.
Anyway, that is a choice you will have to make, I would rather hand it back and buy a 2006 330i M-Sport with Nav for a couple of grand more.
I personally wish the coupe was available in 130i guise, I had a 335i and while very good it was a bit dull, no sense of reward like the NA 130i.
But still a very, very good car and a lot more fun than your 330i SE.
If you spend £25k on a 135i do it over 60 months straight repayment, it will cost you around £502 a month with no deposit.
If you use the BMW PCP plan they will want £497 a month over 36 months with a grand deposit and you will have a balloon of £12500 at the end.
Just something to think about, you can also get a settlement figure at any time with the straight repayment plan.
£10k for a 2006 330i sounds like a bit of a bargain to me.
I'd be inclined to partially or fully finance it, meaning that you'd own it outright in under 2 years, which to me would seem to be a far more sensible financial decision. After all, you know whether the previous owner has thrashed and abused it or not.
I'd be inclined to partially or fully finance it, meaning that you'd own it outright in under 2 years, which to me would seem to be a far more sensible financial decision. After all, you know whether the previous owner has thrashed and abused it or not.
Mr_Sukebe said:
£10k for a 2006 330i sounds like a bit of a bargain to me.
I'd be inclined to partially or fully finance it, meaning that you'd own it outright in under 2 years, which to me would seem to be a far more sensible financial decision. After all, you know whether the previous owner has thrashed and abused it or not.
Must say that is a really clever way of looking at a balloon payment ,wouldnt have looked at it like that TBH.I'd be inclined to partially or fully finance it, meaning that you'd own it outright in under 2 years, which to me would seem to be a far more sensible financial decision. After all, you know whether the previous owner has thrashed and abused it or not.
Mr_Sukebe said:
£10k for a 2006 330i sounds like a bit of a bargain to me.
I'd be inclined to partially or fully finance it, meaning that you'd own it outright in under 2 years, which to me would seem to be a far more sensible financial decision. After all, you know whether the previous owner has thrashed and abused it or not.
Yeap take a personal loan out over two year, you won't be paying anymore but then you'll own it outright and have a large desposit for your next car.I'd be inclined to partially or fully finance it, meaning that you'd own it outright in under 2 years, which to me would seem to be a far more sensible financial decision. After all, you know whether the previous owner has thrashed and abused it or not.
Wow, all balanced, sensible replies. Cheers guys
I suppose I know that keeping hold of the current motor is financially the most sensible thing to do, but if sense was involved, none of us would tool about in 3lt+ BMWs ;-)
Think I might content myself with a sound system upgrade (I think there's an Alpine kit?) and buy the car when the time comes. Any betting on the value of the car in 2013? !
I suppose I know that keeping hold of the current motor is financially the most sensible thing to do, but if sense was involved, none of us would tool about in 3lt+ BMWs ;-)
Think I might content myself with a sound system upgrade (I think there's an Alpine kit?) and buy the car when the time comes. Any betting on the value of the car in 2013? !
BMWBen said:
dibbly_dobbler said:
BMWBen said:
Tell you what - you buy it for 10k, I'll buy it off you for 11k.
How does that sound?
I have cash waiting...
Oh so you're still around are you ? Hmph.How does that sound?
I have cash waiting...Thanks for the response though
Go for the 135i you wont be dissapointed.
I ticked all the options apart from front pdc and memory seats.
The pro nav and hifi are amazing. I have a really nice hifi at home that I simply cannot enjoy because of neighbours. Its really nice to be able to keep turning a system up to a point where you still get great sound reproduction and can enjoy your loud music in the absolute comfort of a very well insulated and refined car without bothering anyone.
Driving wise the 135i will understeer on the limit but this can be sorted with relative ease if you want to mod the car a little. I haven't at this stage. Having owned a number of M3's I do miss the LSD but on the flip side I can drive the 135 a lot more aggressively when conditions are far from perfect and the car will stop the power before you despactch yourself backwards into the scenery. You can turn it all off completely to engage the e-diff but its not substitute for an mechanical lsd.
Other than that, the car is incredibly smooth and incredibly quick but mine does average 23mpg which is to be expected considering the first turbo spools up at 1300rpm meaning that you are always on boost.
Handlind is very sharp apart from the understeer on the limit, the suspension is firm but very comfortable and the turn in is quite good imo. The brakes are brilliant, much better than I have been used to in the past but they need to be considering the pace of the car. I even like the standard exhaust note, its not the raw rasp you would get from an M car but it is deep and throaty and its nice to drive along a country lane with the windows down to listen to the turbos (although quiet) coupled with the lovely straight 6 noise you are already used to.
All in all, I think you will think its a bit of an animal coming from a 330 E90 but its an animal when you want it to be and a relaxed cruiser when you need it to be. BMW really have created a fabulous car for the enthusiast that can be used everyday and remain comfortable. I have only put 3500 miles on mine so far from new and I am completely smitten.
Check out 1addicts.com too ;-)
I ticked all the options apart from front pdc and memory seats.
The pro nav and hifi are amazing. I have a really nice hifi at home that I simply cannot enjoy because of neighbours. Its really nice to be able to keep turning a system up to a point where you still get great sound reproduction and can enjoy your loud music in the absolute comfort of a very well insulated and refined car without bothering anyone.
Driving wise the 135i will understeer on the limit but this can be sorted with relative ease if you want to mod the car a little. I haven't at this stage. Having owned a number of M3's I do miss the LSD but on the flip side I can drive the 135 a lot more aggressively when conditions are far from perfect and the car will stop the power before you despactch yourself backwards into the scenery. You can turn it all off completely to engage the e-diff but its not substitute for an mechanical lsd.
Other than that, the car is incredibly smooth and incredibly quick but mine does average 23mpg which is to be expected considering the first turbo spools up at 1300rpm meaning that you are always on boost.
Handlind is very sharp apart from the understeer on the limit, the suspension is firm but very comfortable and the turn in is quite good imo. The brakes are brilliant, much better than I have been used to in the past but they need to be considering the pace of the car. I even like the standard exhaust note, its not the raw rasp you would get from an M car but it is deep and throaty and its nice to drive along a country lane with the windows down to listen to the turbos (although quiet) coupled with the lovely straight 6 noise you are already used to.
All in all, I think you will think its a bit of an animal coming from a 330 E90 but its an animal when you want it to be and a relaxed cruiser when you need it to be. BMW really have created a fabulous car for the enthusiast that can be used everyday and remain comfortable. I have only put 3500 miles on mine so far from new and I am completely smitten.
Check out 1addicts.com too ;-)
Edited by ///Mike on Tuesday 8th December 11:36
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