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Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

On March 31, BMW Brilliance X5 finally ushered in the listing, price range of 605,000-775,000 yuan, a total of 4 configuration models, also providing 2.0T and 3.0T two power. Compared with the price of imported BMW X5 (699,900-839,900 yuan), the price of BMW Brilliance X5 has dropped by 64,900-94,900 yuan, but even so, many people still feel that the price is expensive. Let's not comment on the price of BMW Brilliance X5 for the time being, is this new car expensive in terms of car purchase cost and car maintenance cost? Today I will do the math for you.

Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

From the full summary we can see that BMW Brilliance X5 offers a low interest rate loan policy of 3% per annum. In addition, the maintenance cost of 60,000 kilometers before BMW Brilliance X5 has also come to 12,726 yuan, which is not high compared to the same level of models. However, the one-year car maintenance cost of BMW Brilliance X5 has reached 38484 yuan, which is much more than the same level of models. Specifically, what is the purchase cost and car maintenance cost of BMW Brilliance X5, the following is calculated with the 2022 xDrive 30Li Premium M Sports Suit with a guidance price of 635,000 yuan.

Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

At present, BMW Brilliance X5 has just been listed, so there are no offers. However, after the author consulted several BMW 4S stores in Shanghai, BMW Brilliance X5 can also enjoy low-interest loans with an annual interest rate of 3%. In addition, there are currently no show cars in several BMW 4S stores in Shanghai, and the show cars will not arrive at the store as soon as mid-April. If you buy a car, you must buy a decoration package of 15800 yuan (film, foot pads, driving recorder, etc.) to pick up the car at the first time.

If it is a loan to buy a car, according to the 30% down payment ratio, the down payment amount is 190500 yuan, and the loan amount is 444500 yuan, plus some related costs, bmw brilliance X5 cost is 265766 yuan, the actual cost paid is 731140 yuan; and if it is a full purchase of the car, the actual fee paid is 708266 yuan, which is 22874 yuan less than the loan.

Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

BMW Brilliance X5 is a new car that has just been listed, and there is no detailed breakdown of car maintenance costs, but BMW Brilliance X5 can fully refer to the maintenance costs related to BMW Brilliance X3.

From the maintenance cycle table, we can see that the maintenance cycle of BMW Brilliance X5 is 10,000 kilometers, of which small maintenance is 962 yuan, and small maintenance is relatively cheap at the same level. At 40,000 kilometers, BMW Brilliance X5 will undergo a major maintenance, and the cost is 3750 yuan. After calculation, the maintenance cost of the first 60,000 kilometers of BMW Brilliance X5 has reached 12,726 yuan, and this cost is also at a low level in the same level.

Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

In terms of fuel consumption, BMW Brilliance X5 can also refer to the actual fuel consumption of BMW Brilliance X3 owners. After inquiry, the actual fuel consumption of the owner of the BMW Brilliance X3 30i model is 10.13L/100km, and after equal proportion calculation, the actual fuel consumption of the owner of bmw Brilliance X5 should be 10.36L/100km. At present, according to the Unit Price of No. 95 Gasoline in Shanghai area of 9.25 yuan / L, for example, based on the calculation of driving 20,000 kilometers a year, the fuel cost of BMW Brilliance X5 for one year has come to 19171 yuan.

Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

Next, let's calculate how much BMW Brilliance X5 one-year basic car maintenance costs. The one-year basic car maintenance fee includes four expenses: one-year insurance premium, 20,000 km fuel cost, 20,000 km maintenance fee and Shanghai vehicle and vessel tax.

Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

In summary, if calculated according to the annual driving of 20,000 kilometers, the cost of maintaining a car for BMW Brilliance X5 is 38,484 yuan, and this cost is still quite high in the same level. If this car maintenance cost is evenly amortized in each month, then the monthly car maintenance cost has come to 3207 yuan, and the car maintenance cost is also quite high. Coupled with the monthly payment of 12927 yuan, I am afraid that even white-collar workers with a monthly salary of 20,000 yuan may not be able to afford it.

Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?
Domestic BMW X5 car purchase / car cost analysis, spend 3207 yuan per month, monthly salary of 20,000 can afford to raise?

After the BMW X5 is domestically produced, the price has indeed dropped a lot, and the competitiveness is higher than that of mercedes-benz GLE and Audi Q7, which have not yet been domestically produced. However, from the perspective of the car maintenance cost of 38484 yuan a year for BMW Brilliance X5, even after domestic production, its car maintenance cost is still quite high, and it has not been reduced because of the price. Therefore, before purchasing BMW Brilliance X5, you should also understand whether its late car maintenance cost is high or not. What do you think about the purchase cost and car maintenance cost of BMW Brilliance X5? Everyone is welcome to leave us a message in the comment area.

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