Lac Series: Fill & Download for Free

BMW 3 series costs between 46 lacs and go till 53 lacs depending on the version you choose. The car has a single yearly service which costs between 20–25,000. Every 4th or 5th year (I forgot the exact year but it is one of them), there will be a major service which costs approximately 70–80000 (At present, they do have service packages which will be much better to buy).To own this car without any problems, I think you should be earning at least 4–5 lacs a month.My uncle owns a 320d luxury line. Here are a few photos of the car-

Do soldiers ever “personalize” their rifles? What punishment would this carry?In the US military almost every rifle issued to a combat unit is personalized in some fashion, however it isn’t quite the personalization that you are referring to. Rather, Soldiers will have unit regulated personalization that allows them to recognize weapon’s owner at a glance. This can be anything from a small painted on series of letters or numbers to color coded tape, paint, or zip ties, but rarely does it go further than that.Note the marking on the magazine well, and on the PEQ.Personalizing the weapon’s appearance or function at the will of the individual soldier who uses it is a rare occurrence. As a general rule only highly specialized units with fluid tactical requirements are allowed to personalize their weapons. Regular units may be allowed to personalize the positioning of their accessories to a small degree, but that’s about it. As US military rifles need to be turned in to the unit armory at the end of every training session, the weapons must all go in looking the same so that the armorer can ensure they will come back out looking the same.There really isn’t a punishment for personalization, as long as it isn’t irreversible. The biggest issue would be adding an accessory and then losing it when the armorer takes it off. So non-specialized units are limited to personalizing their weapons in quickly reversible ways, such as adding fore-grips.Primary exceptions to this rule are special operations forces.Virtually every weapon issued to a SOF unit is individually customized to the personal needs of the shooter. SOF members are issued multiple versions of optics, lights, and accessories so that they can build out the rifle to suit their mission.USMC Line company Scout Sniper with personalized M110 SASSForce Recon Marine with M4a1 personalized for arctic long range shooting.Recon Marine with M4A1 personalized for direct action missions.US Army Special Forces personalized rifles

I’m the Relationship Manager for Jaguar Land Rover Financial Services (Tata Motors Finance is the in-house captive finance of JLR) and I’m sufficiently aware of financing for all the others: Mercedes, Audi, BMW and other even more premium car segments (RR, Bentley, etc).The other answers here are not entirely accurate since they are only giving you a simple vanilla EMI per month set-up. Their logic is excellent and is generally a good thumb rule to follow. However, in our industry things are a little different. In order to best understand what I’m trying to explain please google Mercedes Benz ‘Agility Scheme’ because they have excellent videos to demonstrate what I’m explaining although the same scheme holds for all car manufacturers from Jaguar Land Rover to Audi.The best way is to get a rear balloon EMI scheme. Let me show you how that works:Let’s say you take a Mercedes CLA ( Roughly the same price as the Audi A4 / Jaguar XE / BMW 320):Asset Cost: 44 Lacs; Net finance: 44 Lacs (If you take full on road funding)Rear Balloon: 20 Lacs. (A rear ballon means that the last EMI will be something like a downpayment. So 20 lacs Balloon means, that out of a 5 year / 60 month tenure, the 60th EMI will be for 20 lacs).Remaining net finance: 24 Lacs.ROI: 8.5% (Industry standard, there are usually discounts on some models. Like BMW will give you a 7.75% rate only on X1 and 520i Series, Audi I think maintains an ROI range of 8.25 - 8.5% on most vehicles except Q7 I think). [EDIT: My bad, I forgot to mention that the ROI for Rear ballon schemes are always slightly higher as the bank / financial institution undertakes more risk. So 1% higher, at 9.5% is more accurate. This is an average, with Mercedes at 10.5% and Jaguar Land Rover at 9.25%].Total EMI: Roughly 50,000. We can even bring this down with annual bullets. Another long thing to explain, just google Bullet loans.Why is this a good thing? See, in any of these german cars, unless you have crashed them, they will sell for between 40–45% of new car value after 5 years. So after 5 years when your rear balloon is coming up, you can return the car to Audi and you will not have to pay the last EMI, you might even get to pocket the difference of a lac or so. Or you can chose to sell the car outside the market and still pay the last EMI and keep the difference. Either way you are simply; Leasing the car.Which should be fine because after 5 years people want to change their cars anyway.Final Answer: We recommend annual salary of around 24 lacs plus, however, People with 10–15 lacs also happily buy these cars as long as they can make the payments.