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<blockquote data-quote="manjohari" data-source="post: 542071" data-attributes="member: 23955">here&#039;s my calculation for 7 years loan and fd for 7 yearstake for example loan of 300k based on 2.5% (yes, this the real rate <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite8" alt=":D" title="Big Grin&nbsp; &nbsp; :D" loading="lazy" data-shortname=":D" /> but not from bmw credit though)loan&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; rate&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; yearly&nbsp; &nbsp; &nbsp; &nbsp; 7 years&nbsp; &nbsp; monthly payment300,000&nbsp; &nbsp; 2.50%&nbsp; &nbsp;&nbsp; 7,500&nbsp; &nbsp; &nbsp; 52,500&nbsp; &nbsp; &nbsp; 4,196 for total of 352,500 (can be lower if you do early settlement)300,000&nbsp; &nbsp; 3.50%&nbsp; &nbsp;&nbsp; 10,500&nbsp; &nbsp; &nbsp; 73,500 diff&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; 1.00%&nbsp; &nbsp; &nbsp;&nbsp; 3,000&nbsp; &nbsp; &nbsp; 21,000yes, you still have to pay monthly, of course u need to spend on this, but it&#039;s make more sense rather than paying high downpayment which u can use to get money.if you put the FD for 1 year only, then definitely it wont work.well, i may not work on everybody condition, i think so. if you can put FD for 300k, there is no issue to do monthly payment of 4k.</blockquote>

[QUOTE="manjohari, post: 542071, member: 23955"] here's my calculation for 7 years loan and fd for 7 years take for example loan of 300k based on 2.5% (yes, this the real rate :D but not from bmw credit though) loan rate yearly 7 years monthly payment 300,000 2.50% 7,500 52,500 4,196 for total of 352,500 (can be lower if you do early settlement) 300,000 3.50% 10,500 73,500 diff 1.00% 3,000 21,000 yes, you still have to pay monthly, of course u need to spend on this, but it's make more sense rather than paying high downpayment which u can use to get money. if you put the FD for 1 year only, then definitely it wont work. well, i may not work on everybody condition, i think so. if you can put FD for 300k, there is no issue to do monthly payment of 4k. [/QUOTE]

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