How much the monthly repayments are on a BMW R 1250 GS – TopAuto
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Saturday / 25 September 2021
HomeFeaturesHow much the monthly repayments are on a BMW R 1250 GS

How much the monthly repayments are on a BMW R 1250 GS

BMW’s new R 1250 GS and R 1250 GS Adventure motorbikes are available in South Africa, starting at R322,000.

If you plan to buy one of these powerful bikes using a finance plan, the monthly repayments will start at over R6,000 per month.

The R 1250 GS features a 1,200cc, two-cylinder boxer engine that puts out 100kW and 143Nm – and is combined with BMW ShiftCam technology for varying valve control timing.

BMW said this provides “superior power across the entire speed range” and “extremely smooth and quiet running”.

Dynamic traction control, a full-LED adaptive headlight, and an Electronic Dynamic ESA chassis are also available for the bike.

In terms of pricing, the “entry-level” BMW R 1250 GS Light White model sells for R322,900 – while the “top-end” R 1250 GS Adventure Special Edition 40 Years of GS edition retails for R368,700.

The “40 Years GS” model comes in black and yellow and celebrates the 40th anniversary of the BMW GS, which took place in 2020.

Monthly repayments

To calculate the monthly finance payments on a BMW R 1250 GS, we took the starting price of R322,000 and placed it into the framework below.

  • Bike Price – R322,000
  • Payment Term – 60 terms (5 years)
  • Interest – 9%
  • Deposit – 10%
  • Balloon – No balloon payment
  • Extras – No optional extras

The produces a monthly finance payment of R6,100.

The total amount of interest you will pay in this finance plan is then R71,000.

Salary requirements

Taking matters a step further, we can work out how much you need to earn to “afford” the BMW R 1250 GS.

Financial experts recommend that you do not spend more than 20% of your gross monthly salary on vehicle finance payments.

This results in a monthly salary requirement of R30,500.

It must be noted that this formula typically applies to a primary vehicle, which is often a car, and a motorbike may be a secondary or recreational vehicle for its owner.

Total disposable income available after all deductions and expenses have been taken care of may therefore be a better measure to gauge the “affordability” of the motorbike.

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