2022 BMW 330i for first-year analyst?
Thinking about buying a new 2022 BMW 330i (hopefully in the Portimao Blue). Don't have a car currently and this will be my first car. Looking for a car that is sporty but can also be taken to the office. Fico score >750 (trending upwards). Don't have any existing debt and will be starting as AN1 at a shop in Texas this summer with a base of $110,000 and an expected 1st year TC of ~$200,000 or more.
The units I have been seeing are in the 45k-50k range. Thinking about getting it on 60-month financing, with about a 3-5k down payment (from savings that I have from the previous summer as well as the singing bonus that'll hit in march).
Questions:
1) Is this a good time to buy the car? Should I buy it new or get a (barely) used one?
2) On financing, with the fed set to hike interest rates in March, how will and how much will it affect the interest rates on car financing?
3) With the fed increasing interest rates, will the used car market see a bigger drop in prices? Enough to offset the increase in interest rates?
4) Anyone has a view on the 2022 BMW 330i? Any other cars that I should check out?
5) Should I pay using a down payment or go with a 0 down payment?
Thanks, in advance, for taking the time to answer these questions.
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What firm in TX is paying 200K for first year analyst?
Any of the top shops will get you close to 200k or past that.
JEF, EVR, TPH etc. come to mind
Spend like 5 grand more and get a 340i
Unfortunately, 340i is only being sold in the M series (so M340i) which is about 12k more expensive than these units - so out of budget.
It's not an M car, it's just a styling kit, "real" M is M4. You can equip the 330 with M styling as well. Anyway, here's a 340i with just 8k miles for 49k.
I agree with this 100%.
I've driven both the 330 & M340... you won't regret it!
Made a similar purchase at the end of my 1st year back in the day…it was worth it
Why not? Seeing a ton of guys making less than $200k driving it
exactly lol. worst i’ve seen is 4 guys splitting the payments for the car and either always riding it together or alternating when they take out a girl
That would be hilarious to see
Ride together / alternate the car or the girl?
Lmao what car
GTFO! No way... Pictures or it didn't happen. that's a new one to me for sure
Just don’t see the justification to buy new when you can spend significantly less for a similar model 2-3 years older. Love that new car smell, but not that much.
Car market is absurd right now. The spread between new and used is negligible
Have you paid attention to the used car market right now? Dreaming if you expect to get anything “significantly” less than new.
Don’t do it man. If you have to do it… then buy something 3 years old. Still basically new.
Good choice of car. Easily doable for an analyst, especially in TX with lower living costs and cars practically being a necessity. Many analysts in our office with A4s, 330i’s and C300’s.
1. Now is a bad time to buy a car but it’s not going to get better any time soon. Normally it’s smarter to buy used, but not anymore. Used car prices are insane. I recently sold my three-year old F80 M3 and the dealer sold it for the price I paid for it brand new. If you can get MSRP with no markup I’d take it. Even better if you can negotiate a discount but that is going to be very difficult in this market.
2. Interest rates are probably still low. I got a new car back in July and the rates for new cars were as low as 1.9%. Free money.
3. I don’t see used car prices going down anytime soon. With over two years of new car shortages and increasing demand for personal transport, used is going to continue to be expensive. It simply won’t change unless manufacturers can not only return to pre-pandemic output but likely exceed that.
4. The 330i is a nice car. I like the A5 styling-wise (over the A4) and that is another good potential option. The new C300 is due to come out later this year so that is a no-go for now. If you want to look at something more sporty, I’d take a look at lightly used M2. IMO you wouldn’t be overpaying on one since M2’s have always held values well before the pandemic and the new MSRP hovered around the $55 mark. Not entirely sure where they’re hovering at lately. I love cars though and I’m happy to chat your ears off if you want to talk.
5. Believe the rule is you want to have at least a 20% down payment on the car. A $10K down payment is a good idea considering that is around how much you’ll lose in depreciation year 1 in normal times. Helps so you aren’t underwater on your car loan.
I was going to comment but this right here basically sums it up perfectly.
For the 2. point I will add the caveat that they are still low but wont remain that way forever.
Disagree with just about all the points made. Only have a few minutes until my next meeting but Ill try and summarize:
1. Now is objectively a bad time to buy. Gently used performance cars current list prices tells us all we need to know here. They are being listed for over MSRP. Take more middle of the pack cars like the Tesla 3s and you will see a car used for 10-20k miles bought 2 years ago can be resold for the price paid when the car was new. New cars are selling for far over msrp, even though at many dealerships this is illegal. However (and this is where I disagree), it will get better soon. Look at chip shortages for starters, as this is the primary driver for most manufacturers. From my understanding, every car company should be getting back to normal levels of production within the next 1-2 years. Ive done some research into this and will look for supporting data later.
2. Interest rates will likely not be that low unless you go through the dealer. Going through the dealer usually gives you the best rates but is different from using a standard financial institution (it is important to understand these differences). I was offered a 3.5% rate with a 760 credit score on a sub 35k vehicle. I am older than you, and have purchased multiple cars in full with cash. I would expect your rate would be higher, regardless of if you utilize a bank / auto dealer. 1.9% may be possible through a dealership but I HIGHLY doubt it. Maybe if your parents bought the car in their name it would be 1.9%. I would expect a minimum of 3%.
3. Used car prices will absolutely start to dip as the economy takes a hit. I am not an economist so I wont try to forecast our next correction, but it will be coming and I think waiting a bit in 2022 would be wise. If you are patient and diligent you can find a good used car now. I bought a premium vehicle (rare spec - E92 M3 with a CF roof) in Oct of 2021 for less than Fair Market Value. I know the fair market value as I have been researching these cars since I was in undergrad.
4. The 330i is NOT a nice car. This is a car for folks who dont know much about cars. You are paying the premium costs for a luxury car but it performs like a Civic. Further, the "luxury" is BMW's lowest level, so it is about as luxurious as a premium spec Civic. So you are paying top dollar for a car that wont turn heads, wont be all that luxurious, certainly wont be fast or have an impressive engine, but your monthly payments and gas costs will be significantly higher than they need to be.
SB’d just for your 4th point.
For $40k, you can get a performance hatch like a Golf R that can be easily tuned to be as fast as a Porsche, a luxury small suv like a Lincoln Corsair (will be more plush/quieter than a 330i), or a medium suv with OK options in a grand Cherokee limited. imo, BMW 3-Series is an overpriced attempt at a flex.
1. I said new car production wouldn’t return to normal levels any time soon. Who knows where they’ll be 1-2 years out. I’d certainly hope you’re right, but that’s clearly not within the time frame OP is asking about. Not sure why’d you even bring this up.
2. This makes me question your entire post honestly. Yes I’m younger than you and I had BANKS left and right offering me 2% interest rates. And I got rates like 2.5-2.75% for used cars. How are you getting interest rates that high? Dealer financing was where I got higher interest rates. And no I did not use parents for a loan. 800 credit score. Financing approved for up to $100K. Either my banks just really favor me or something is not adding up here.
3. Who knows when an economic correction happens. We’ve been waiting for one for years. I agree used car prices might decrease if it happens but OP is asking if he can swing a brand new 330i right now. I bought a GT4 last July and the only regret I had was not buying it sooner. It’s been a blast owning it for the past 6 months. Why wait for a correction that might not even happen this year?
4. Are you kidding me? Did you just say a 330i is not a nice car? You best take some time to do some self reflection if you think a 330i is not nice, and that’s coming from someone who owned a M3. The new 330i has better tech and a better interior than my F80. If you are buying cars for turning other people’s heads then I don’t know what to tell you. I don’t buy cars for others I buy them because I enjoy them. I guarantee you the average person doesn’t give your E92 a second glance (as a car guy though, nice car by the way). I’ll pick the 330i over the Civic any day of the week. And for the record, a 330i would smoke the Civic and drives better than it too. Not everybody is out here wanting a hot hatch like the Golf R you guys mentioned below either. I’ve never been a hatch guy myself and those simply don’t interest me. Different strokes for different folks, but since you mentioned wanting to turn heads, I’d 100% bet money the average guy/girl would be more impressed with a 330i than a Golf R / CTR / etc.
As the economy takes a dip won't demand just shift more towards used cars as people move down their substitution options? I feel like that's what happened in the last cycle, used car prices went up and new cars were filling up the lots. Obviously the supply curve has been totally fucked the last two years, so there is short supply on both, but I imagine demand will soften for above-MSRP new cars if the economy softens in the next 6 months.
Anecdotal point on interest rates but I have good credit (mid 700s) and got a 1.5% loan through a credit union on a 65 month loan for a Model 3. I'm still young and it's my first car purchase as well. OP - shop around and do your research right now before locking in a rate, definitely a lot more wiggle room than ~3%.
It’s 40k. Ppl acting like this kids getting an 8 series. It’s the low end “luxury” option for Beemer. Wtf do ppl expect. Fucking Jetta’s are 30k now
Agreed, the play is to buy or lease brand new right now due to absolutely insane used values
I also bought a car fairly recently and one bit of advice I can give you is to pay close attention to what kind of options the car comes with when comparing new versus old. Specifically I’m referring to the latest bells and whistles that cars are coming with, i.e. semi autonomous stuff like adaptive cruise control or traffic jam assist, self parking, 360 degree cameras, lane assist, keyless trunk entry and automatic closing, etc. Some of these features might not be available on new models due to the chip shortage (allegedly) and some might not be available on older models either because the car was a lower trim model or the feature didn’t exist at the time. I ended up going with brand new because the dealer was able to locate a pretty good one, otherwise I would have looked at certified pre owned or at Swap a Lease or whatever it’s called (where you can take over someone’s lease if they can’t afford it).
1. Never been a worse time to buy, but if you insist on buying, buy new. Used cars are highly inflated.
2. You should still be able to get a low rate. I'd expect ~5% or less from a dealer and around 2% from a credit union based on your score and down payment.
3. I predict the used car market is going to tank next year, but who knows. It definitely won't stay like this forever.
4. If you are going to buy a brand new, rapidly depreciating car straight out of college, then get exactly what you want. Might as well enjoy the drive if you're going to grind long hours, and you can afford the depreciation hit better than the average person.
5. I'd put down money, but I despise monthly payments chewing up my income.
Yeah definitely need a car here in Texas. I am partial to SUVs just because you never know when you may need the extra space. The Q5 and X3 are both nice. The new grand cherokees are pretty nice as well and worth considering. If you see the option for ventilated seats, definitely get it.
Lol so you want to buy a depreciating asset that you will barely even get the time to drive (minus to and from the office)? Hard no. Don't do it. You will soon learn these materialistic items will not be able to fill that void of despair you will face.
Not worth it as a first year. Won't have time to flex it anyway.
BMW 3 Series are great cars and have one of the best engines on the market. Compared to Audi and Mercedes, repairs are cheaper and it’s more reliable. I personally drive an A4 because I like the styling/technology more. Would also take a look at the M2, I’ve seen some good deals.
I would order a car rather than buying off the lot. You can have it built to spec and will pay the MSRP off of the specifications. Car prices are crazy right now but sticker prices aren't rising as fast as car prices in general. Don't let the dealer rip you off - it is harder for them when you special order.
The wait orders unfortunately are in excess of 10-12 weeks I think. I can maybe put it down now for it to come in April but will have to look into it. If I can find a similar spec on the lot then nothing like it. Atleast the ones that I was seeing didn’t have a mark up on top of the MSRP.
Just ordered a BMW (Jan 15ish) with a quoted delivery of first week march. Just do it now if you want it before you start. They only charge a grand as a deposit. Worst case, you decide you don't want it and can immediately flip it as you pay MSRP if you order and people are paying huge markups if they can get it immediately.
As someone who both loves cars but tries to be smart about their finances, this does not seem to be a stretch. If you can afford the cashflow requirements out of your base salary in addition to all your other expenses, it makes sense. I would save my bonus for things like downpayment on a property or other investments.
Buy it in cash and thank me later
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Spot on
First of all congrats! Being in finance with a high salary in Texas is the play. Given the cost of living and no state income taxes puts you ahead of your peers when it comes to after tax income to save/invest/splurge etc.I'd also check out used Tesla 2020 model 3's I picked one up last yr for low 40s sub 15k miles. My model is trading in the high 40s with 20k plus miles. Seeing some still hold their value. Only works if you have access to an outlet to charge your car overnight otherwise its pain going to and from superchargers. Love the car though. Otherwise I'd also recommend getting a lease as used car prices are still climbing from last year.
Good idea on purchasing. Unless things have recently changed, leasing in Texas is a bad idea because you have to pay sales tax on the agreed-upon price, which the lease is based on, not the monthly payment.
Is leasing in texas actually a bad idea? For someone who needs the car but is there for the short term (say 12 months roughly)
Me reading the thread title: You fucking crazy? When would you even use it?
Me reading the thread: Oh, I see. Yes, that makes sense.
Why would you ever want to pay that money for a car with a 4 cylinder engine? 2022 330i is a car for an upscale hairdresser. Get a real mans car... a used e39 540i or an E60 550i. No stupid turbocharging and actually assembled in Germany, unlike most new BMWs, which are made in the U.S. and Mexico.
The E60 550i's are fucking beautiful. I understand not many people like the bangle-butt design, but for me, it is one of BMW's best design eras. Pure V8 and true german engineering.
Have an E60 myself. The design has aged so well. People always think its a 2011 or a 2012, not a 2008. The glory days of BMW are long gone unfortunately. The M2 might be the only model left that is worth buying.
I actually own a M340i xdrive (albeit in NYC). Will preface things by saying I did not buy it with my first year analyst salary lol, made some good investing decisions in the past and this was my treat to myself given I love action sports (skiing, biking, etc..) and use it to get out of NYC on weekends. A few points of consideration.
1. The 330i is an ample car, one of the best value vehicles I would say under 50k. I used to have an A4 and prior to that a Lexus in HS which belonged to my folks. The B48 engine in the car is a performance weapon. BMW rates it at 258 hp but it's realistically 250 to the wheels and not the crank so you'll have plenty of go. Compared to the 2L turbo engines in competitors like the C300 and A4, this engine revs just as fast and has a wider powerband. Plus the ZF 8 speed is a wicked transmission and is matched to great TCU software that can time shifts well (something the A4 and Lexus both struggle with).
2. Moving away from a performance standpoint, you should look into buying certified pre-owned from a BMW dealer. BMW dealers will usually offer 1% or lower APR up to 36 months on CPO vehicles and have additional cash discounts for recent college grads (defined as 3 years since graduation). These two programs alone will save you thousands, and that's before negotiating price.
3. 330is, especially the regular "i" version are built in masses, meaning supply is a lot more than say an M3 or even M340i. This helps alleviate some of the crazy secondary market pricing for cars and gives you some leverage to walk away from the deal. I tried buying a G80 M3 late last year, which usually is a great time to buy performance cars due to winter weather. There were no lie, 4 cars with a manual transmission in that color in the whole country. As a buyer you have no negotiating power in that situation.
4. My final point is that you can consider getting a F80 series (2015-2020) M3/M4 instead. Prices for the pre LCI facelifted cars (2015-2017 for M4 and 2015-2016 for M3) are trading for around 40k and dropping. Given you live in Texas where snow and rain isn't a huge hinderance, could be a lot of fun. And because these cars are properly depreciated, your insurance will actually be lower as will be your actual cost of ownership (depreciation cost).
Happy to chat more about cars if you want to PM me, a bit of a motorhead who loves to work on my own cars and getting into the modification scene recently too. Good luck with the purchase!
For the love of god do not do this. Unless you have a trust fund or a net worth of a few hundred grand already (somehow), just buy a used accord and chill for a few years. Don’t be that guy who has a car worth more than he/she is.
Right! It's so adorable when incoming analysts think they're gonna have all this money to spend once they start.
I have seen guys work minimum wage and buy these cars. It’s a nice car.
Considered looking at Lexus IS F500 series too. It’s around the same price point (?).
I’d be inclined to say, if you can afford it, shoot your shot and go for it. Cars are hard to come by.
Used car prices are at an all time high, bad time to buy. Bought a new car in 2020, the dealer just offered to buy it back from me for $2k more than I paid for it new, if that's any indication as to how crazy the used car market is right now.
Don’t buy a new car and certainly not at the price point you listed. As others have said, you won’t have time to flex. On top of that, when you actually start working, you’ll also realize that unexpected expenses and priorities will eat into the big bucks you’re hauling in.
Get a very nice, used car at a reasonable price. Yes, these still exist. Pay cash or mostly cash for the vehicle. Avoid the car loan. Save the remaining balance towards your emergency fund and down payments on real estate.
First of all, thank god it's one of the new BMWs which doesn't have that awful stretched grille. Second of all, why are you buying new? If you really want a BMW then buy it CPO or used. You're likely to want to switch cars at some point in the near future so why not start off with a lower price on a year or two older model.
Also, why the 330? Do you want a BMW for the sake of having a BMW or are you looking for a sporty sedan in general? There are many better options if that is the case.
Alright few things. First do some research on BMW. They look nice, I get it, but the average maintenance cost last I checked was more than a C or even E benz. They have a decent engine, but I beileve they all use perfomance tires, which obviously are more expensive. On top of that I beileve they require a minimum octane level of 89 or 91, so get ready to shell out of premium/plus gas. All that being said they are nice and sporty, and in this industry I imagine an extra 2-4k a year in what I previously mentioned isn't a deal breaker. In terms of timing, wait for the market to simmer down down a bit, car prices are inflated. I bought a 2020 A3 audi s line premium in March of 2021 for a total of around 28-30k (including sales tax), and the same car models right now are being sold for around 32-35k. All this to say, wait a bit and think about your options. When it comes to car buying, the typical rule of thumb is get them about 1-2 years old, not brand new unless you can REALLY afford to watch the depreciation. My personal recommendations for what is seems like you want to be driving would be:
Genesis g70 sport 2020-2021: sporty, fast, cheap(er) to maintain, similar ratings to a C-class or 3 series
Acura: At least desreves a look, doesn't particulary shine in any category other than maintenance (literally one of the cheapest brands to maintain), but recently they've been looking pretty nice
Audi A3: Yea I'm partial. I absolutely love mine, 5.3 0-60, exhaust sound is a solid 7/10, uses the lowest grade fuel, cheaper to maintain and non-sport tires.
Other random notes: Euro/Asia cars have stricter saftey ratings so I personally stay away from American car brands, it helps to build a category-weighted table in excel to see what matters most to you, and see how different options compare (yea ik even with this excel found a way to be helpful), and finally enjoy the car; If you have a shitty day or week, taking a car down the local backroads with the windows down (at least for me) is pure relaxation. Feel free to ask any questions :)
Go for the Genesis, G70 sport, epic looking car, a real luxury vehicle, and it's way cheaper. Also it's not the most common car in town.
BMW's lose their value at the fastest rate compared to other cars in that group. You'd be better buying it 3 years used, getting it detailed and cleaned properly. Will be the same and will save you a pretty penny. I just bought a 2 year old Porsche and it saved me $35k rather than buying it new.
You can tell who follows the car market by who is advocating for buying used in 2022
Almost identical spot as you but eyeing the long range Tesla Model 3 instead
if you are going to buy a new car, get an 911 turbo. everything else will tank in value and is not worth the money
This is the move…
I actually got a 2021 BMW 330i M Sport about 10 months into my first year as an analyst.
I got mine in Portimao Blue! Best color in my opinion. M Sport package is a must and actually a requirement to get Portimao Blue.
Great car, exhaust pops, and you can hear the turble whistle.
I leased mine (Want to get a BMW M4 or Corvette C8 when my lease expires). I would recommend the car. The tech in the current gen BMWs is absolutely amazing. Disregard the hate you're seeing by some people below.
You are a 22 yo and this is about the dumbest thing you can do. There is the whole spending $50K on a new car, but more than anything
- you can flame out as an analyst like many posting here
- could get a job in nyc or SF after analyst years where this will be worthless or too expensive to keep
- O&G can take a dip like a year back, cyclical industry
But I get it .. people do it.
Hey dude, almost identical position as you (wouldn’t be surprised if we’re at the same firm in HTX). What type of apartment complexes are you looking at and what do you think would be a reasonable budget for rent? Can obviously get a pretty nice place in HTX sub $2k even so just curious what other analysts usually look at
Not OP, but downtown mostly. It would be ideal to be as close to the office as possible. Market square tower, Brava, Aris market square, the rice, the star are all good options. Probably looking at the 2k range for downtown in something that is decently nice/upscale, which is definitely reasonable on a 110 base.
Thanks for the suggestions man. Would splurging 2k lowkey be overspending though or are those buildings worth what what you get in return? As an A1 you can probably afford it pretty easily on 110 base but are you throwing away money at this point because with utilities and other amenity fees you're probably looking at 2-2.5k at that point if im not mistaken?
Is brava even fully built?
Not the other dude who commented but is that area in downtown generally safe and not too noisy if WFH? Especially around some of the nicer buildings like market square tower etc.
I'd go for a Lexus ES300h instead. You get 5 Series value for 3 Series money and save on fuel costs since it's a hybrid. The only drawback is you take a 40bhp hit compared to the 330i
The grills on new BMWs are just plain criminal. Don't do it.
Like one of the above posters mentioned, I'd definitely buy a used F80 series M3/M4 instead of a new 3/4 Series. I bought a CPO 2015 F82 M4 in Yas Marina Blue a few years back when I was an analyst and it's been a great experience. It hasn't lost much value at all (due to a combination of me having already taken advantage of substantial depreciation when I purchased it, only putting 12K miles on the car in nearly 4 years, and the insane used car market right now) and I keep it very well maintained (luckily I live in a family with extensive automotive experience/knowledge).
Although these ~5 year old true M models may lack certain newer technological features in the interior (do you really need 17 ways to adjust the seat?), I would take one of them over a new base 3/4 Series any day if you plan to spend $40K - $50K for a car right now. They're faster, come with a better driving experience, and they're no doubt much more of a head turner if you keep it well maintained (and if you get one of BMW's more unique/rare colors like I did).
Find a 2018 m sport 340. One of the better/more reliable BMW engines and wayyyy better than 330
Look into a used F8X M3/M4 or an M340i. You’ll be a LOT happier, coming from someone who went from a 328i to an M4.
Put it in TQQQ and you can buy 10 brand new BMWs in 10 years
This unironically. Could never imagine actually buying something like that in my 20s when the opportunity cost is so high. Every dollar I have goes to UPRO or TQQQ. Like it's the one time of your life where it's probably appropriate/acceptable to drive around a piece of shit. Obviously comfort is one thing and it's a good idea to splurge a bit on the apartment/housing. But a car? Cmon
BMWs are by far the ugliest "luxury" vehicles my guy. Have you no taste? Get a Porsche instead. Any Porsche.
One rule. You should never ever ever buy a 4 cylinder luxury car. Never. Ever. Ever.
Base toronto. Bought an Mustang for my first car. Probably inappropriate to drive to the shop?
Back to the topic, I think 100k salary is pretty financially sound for a car, why worry so much?
Would advise against it. Buy a 2-3 year old VW and invest the difference. More expensive cars are more expensive in lots of ways - sales tax, insurance, maintenance, gas...
Even in texas, you're only going to take home $140k of that $200k, if you do in fact get all that, and at some point in your career you're going to want to take a break, go to business school, do something more engaging but less lucrative, or whatever, and you may regret and resent the 5-year old, dinged up and depreciated BMW, vs. a perfectly serviceable alternative AND $20+ grand in the bank.
Plus, not an issue for you in Texas, but if you ever move anyplace with snow, or where you even want to drive to snow, the 330i is RWD and worthless.
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