You guys are so lucky getting 4.9%, let alone 2.9%.....
Downunder we struggle to get those kind of rates....banks are now around 9% and best from BMW for corporates is 8%
Best deal down here comes from Mercedes. 0% Finance if you pay 50% upfront and then the remainder 50% in 2 years time.....
And dont forget we pay nearlly double for the cars than the US....even with the good exchange rate at the moment. Eg BMW M3 is the US around $70K USD...in Australia $190K AUD