This is why I always warn people about Residual and why they shouldn't buy an expensive car they actually cant afford on residual. It will bite you in the ass later on. The bank will win and you will loose. Or you will give the car back to a dealership and walk away with nothing! Only to have to finance another car with residual all over again for another 72 months or what ever the case may be!
To buy the E90 with 7x the mileage is such a ridiculous decision I don't even know why your fanning the flame.
Basically your in heavy debt with the Ford already, but at least if something goes wrong like a turbo pops, your covered. Don't be naive and think these kinds of things wont happen because the car is so new etc, They happen! and when they happen on the E90 you will cry! When my gearbox poped on my E46 BMW wanted 84k to replace it. when my turbo poped it was big money that I had to fork out, its not just the turbo that needs to be replaced when it pops, its inter coolers, boost pipes etc, ends up costing a good 20 - 30k depending on how unlucky you are, and if it damages the injectors then its a good 60k.
To get the E90 you will actually have to refinance, Financed money! :YesNo: The banks love this shit, they absolutely love it when people do this! your adding years onto your debt, You should think of it as being in jail and you just got a couple years added to your sentence!
There is nothing better than owning a paid off car man! think of all the things you could do with that extra cash every month! Keep the ford and pay it off! put as much extra cash into it every month as possible.