[Multimodal]

I've decided to order an M3. However we are now pretty close to the start of production for MY22 in July. I don't think the 2022 order guides have come out yet. Have there been any rumors about equipment or price changes for the 2022 M3 other than the availability of AWD?

I am approved for BMW financing at 0.9%. That rate is locked for another 80 days (I was approved about 10 days ago and BMW provides 90 day locks to West Coast customers). If I wait for a 2022 I will have to reapply and BMW may not still be offering 0.9% financing. Every 1% increase in interest rates increases your monthly payment the same as a $2000 increase in the vehicle price would so it's meaningful.

Balancing out the risk of higher interest rates is the certainty of lower depreciation (in 3 years a 2022 will be worth a couple $K more than a 2021) and the possibility of bigger dealer discounts and incentives, though I have currently negotiated a $3500 (~4.5%) discount and I'm eligible for another $1500 to $3000 in incentives (military, loyalty and BMWCCA) depending on whether or not I use BMW or third party financing, which is pretty strong for the current market.

What do you think - order now or wait 3 months for the second model year?