The 1981-1987 BMW 520i Sedan (E28) is a "shark-nosed" executive car featuring a cultured 6-cylinder injection engine, balancing economy with impressive driving performance. It was the most successful model of this generation. Enthusiasts celebrate its smooth straight-six engine sound, engaging driving dynamics, and excellent steering feedback, often considering it a benchmark from "the heyday of BMW." Infamously, these models are prone to dashboard cracks and rust issues, particularly around the jacking points and wheel arches. Today, it serves as a highly desirable classic for collectors and enthusiasts seeking a reliable, usable, and serviceable vehicle with iconic 80s styling.
The 1981-1987 BMW 520i (E28) is considered reliable, but the main concern is rust, particularly in the spare tire well, floor pans, and shock towers. Maintenance includes addressing dashboard cracks and potential replacement of front rubber suspension bushings.
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