The 1972–1976 BMW 520 Sedan is an early example of the E12, the first generation of the 5 Series executive car. It succeeded the New Class sedans, establishing the now-iconic design language of the 5 Series. The initial 520 models were powered by a 2.0 L straight-four engine. Enthusiasts and reviewers view the E12 as a robust, driver-focused classic, praised for its handling and establishing BMW's reputation for sporty sedans. It's famous for introducing the E12 chassis code and setting the standard for mid-size luxury sports cars. Today, the 520 is suited for collectors, classic car shows, and enthusiasts seeking an engaging, period-correct driving experience, particularly the early four-cylinder models.
As an early E12 5 Series, potential issues may include cooling system and rust concerns typical of the era. Maintenance on classic BMWs can be costly due to specialized parts and labor. General BMW maintenance parts like oxygen sensors and alternators are expensive.
Affordability Calculator
We have preconfigured our calculator for this vehicle
Why Use This Calculator?
Unlike calculators from banks or dealerships that may encourage overspending, our tool provides neutral, conservative estimates based on proven financial principles. Whether you're financing or paying cash, we help you understand what you can truly afford.
For Loan Financing:
- •Safe Range: Follows the , ensuring you can comfortably afford your car payment
- •Stretch Range: A moderate approach that balances affordability with your goals
- •Lender Max: What banks typically approve, but may strain your budget
For Cash Purchases:
- •Conservative: Uses 5% of net worth, maintaining strong financial reserves
- •Safe: Uses , following the recommended guideline
- •Stretch: Uses 15% of net worth, for when you want to prioritize the car