On sale 2 daysOn sale 2 d
37,900 €
Käyttöauto Oy Kokkola, Keski-Pohjanmaa
1 / 25 Image source: Kamux
The 2023 BMW X3 xDrive20d Mild-Hybrid xDrive is an all-wheel-drive SUV, diesel-powered with an automatic gearbox. It has an engine displacement of 2.0 litres and an output of 140 kW (190 hp). The car is imported. Used imports of this make totalled 11,234 cars in 2023–2025, 1,302 of them 2023 cars.
The asking price is 37,900 € (plus a 349 € handling fee). That is 5,100 € (12%) below bilbil.fi's estimated market price of 43,000 €. The estimate is based on 441 comparable cars. The chance this car sells within the next 30 days is about 47%.
A dealer typically sells this model in about 19 days and a private seller in about 25 days. As the asking price is clearly below the market price, this particular car will likely sell faster than average, in an estimated 16 days.
The odometer reads 125,000 km, which works out at about 38,000 km per year.
- Tow bar
- Adaptive cruise control
- LED headlights
- Reversing camera
- Keyless entry and start
- Power tailgate
- Parking sensors
- Leather upholstery
Running the car costs an estimated:
- Vehicle tax 665 € per year
- Insurance 1,230 € per year
- Financing instalment 422 € per month
Vehicle tax and insurance come to about 1,900 € per year.
The listing says 2 sets of tyres are included. According to the listing, VAT is deductible: at the 25.5 % rate the price includes 7,701 € in VAT, leaving a net cost of 30,199 € for a buyer entitled to deduct it.
The seller is Kamux (Hämeenlinna).
The car has been for sale for 8 days since 22/09/2026.
Basic information
- Mileage
- 125,000 km
Verify mileage authenticity - Engine
- 2.0 l, Diesel
- Model year
- 2023
- Gearbox
- Automatic
- Drivetrain
- All-wheel drive
- Office fee
- 349 €
- Body type
- SUV
- Vehicle type
- Passenger car
- Colour
- Grey
- Tyre sets
- 2
- Keys
- 2
- VAT deductible
- Yes
- Steering position
- Left-hand
- Imported car
- Yes
- VIN number
- WBA11BZ0009S48533
- bilbil.fi ID
- 236324
Technical details
- Power
- 140 kW / 190 hp
- Torque
- 400 Nm
- Acceleration (0–100)
- 7.9 s
- Top speed
- 213 km/h
- Seats
- 5
- Doors
- 5
- Cylinders
- 4
- Turbocharger
- Yes
- CO2 emissions
- 151 g/km
- Kerb weight
- 1,915 kg
- Gross weight
- 2,500 kg
- Max towing weight
- 2,400 kg
- Towing weight (unbraked)
- 750 kg
- Dimensions (L × W × H)
- 4,657 × 1,881 × 1,661 mm
- Gearbox
- Automatic
Equipment
- Adaptive cruise control
- Keyless entry and start
- Leather upholstery
- LED headlights
- Parking sensors
- Power tailgate
- Reversing camera
- Tow bar
Equipment rating
Asking price: 37,900 €
As the asking price is clearly below the market price, this particular car will likely sell faster than average, in an estimated 16 days.
No price changes during the tracked period.
Next inspection
A car under 10 years old is inspected every two years. The listing has no inspection date, so the due date cannot be estimated.
Check with TraficomThe interval is derived from the model year, because the listing has no first registration date.
Sale periods
Kamux Hämeenlinna, Kanta-Häme 8 days for sale
22/9/202625/9/202627/9/202630/9/2026
Sales
No previous sales.
See detailed history data from carVertical: the report covers the car's mileage records, possible damage, previous owners and registrations.
View history reportService provided by carVertical
carVerticalWhen buying from a dealer, it's worth asking for a finance quote directly from them. Before that, though, get a loan quote from Rahalaitos too: it gives you something to compare the dealer's offer against, and a way to negotiate better terms.
Viewing quotes is free and doesn't commit you to anything. Rahalaitos puts your application out to as many as 25 lenders at once.
€
500 € 70,000 €
10 years
1 year 10 years
Estimated monthly instalment approx. 422 €/mo
See offers Comparison provided by 
The APR under Finnish consumer protection law is 7.48%, calculated for a loan of €7,500 with a repayment period of 9 years, an account fee of €5, an opening fee of €35 and a nominal interest rate of 5.80%. The amount repayable would then be €10,215, i.e. €94/month. A credit card's APR may be 18.97%, calculated for a loan of €1,500 with a repayment period of one year and a nominal interest rate of 17.50%. The amount repayable would then be €1,646 in total, i.e. €146 per month. The final APR, loan term and monthly instalment are set out in the loan agreement. Lenders draw up the loan agreement based on an individual credit assessment. The nominal interest rate offered may vary between 4.19% and 20%, and annual loan costs between €0 and €150. The loan term offered varies between 1 and 20 years. Loan amounts offered range from €500 to €70,000.
Vehicle tax under the tax tables in force in 2026.
- Base tax 163 €/yr
- Driving power tax 502 €/yr
- Total vehicle tax 665 €/yr
Base tax is based on CO₂ emissions (WLTP), 151 g/km. Driving power tax is based on gross weight (2500 kg).
The average CO₂ of diesel passenger cars first registered in 2023 was 187.9 g/km (WLTP). This car is 37 g/km below that average, which comes to 87 € less a year in base tax.
Estimated annual insurance cost (liability + comprehensive).
Driver's age 45 yrs
- Liability insurance250 €/yr
- Comprehensive980 €/yr
- Total insurance1,230 €/yr
≈ 103 €/mo
Request a quoteService provided by 
The final price depends on factors such as claims history and place of residence, and is set in the quote.
The listing says 2 sets of tyres are included.
Remember to check tyre condition with the seller.
Tyre sizes for this model
- 255/35 R22
- 285/30 R22
- 245/40 R21
- 275/35 R21
- 245/45 R20
- 275/40 R20
- 245/50 R19
- 225/60 R18
Wheel sizes for this model
18″
19″
20″
21″
22″
What do the sizes mean?
Find tyres ALV-vähennyskelpoinen Vakionopeudensäädin, adaptiivinen BMW Professional Navigation Blow-By Heater Head-Up-näyttö / Tuulilasinäyttö (HUD) Vetokoukku, sisääntaittuva Metalliväri Apple Carplay Android Auto Langaton latausalusta älypuhelimelle LED-ajovalot LED-päiväajovalot Peruutuskamera 360° näkymällä ja etäisyysnäytöllä Kattokaiteet Urheiluistuimet Navigointijärjestelmä Digimittaristo Sähkösäätöiset istuimet Sähkösäätöinen kuljettajan istuin muistilla, 2 muistipaikkaa Penkinlämmittimet edessä ja takana reunapaikoilla Ajodynamiikan valinta Pysäköintiavustin Pysäköintitutka edessä ja takana etäisyysnäytöllä Aktiivinen kaistavahti Nopeusrajoitus-tunnistin / Liikennemerkkiavustin Katveavustin / Kuolleen kulman varoitin (BSM) Sadetunnistin Nahkaverhoilu Avaimeton moottorin käynnistys Kosketusnäyttö Äänentoistojärjestelmä ( Radio + BT ) Monitoimiohjauspyörä nahkaverhoilulla Sähkötoiminen takaluukku Sähkökäyttöiset ikkunat Paikallaanpitoavustin (Auto Hold) Alamäkiavustin (HDC) Keskuslukitus, kaukosäätöinen Ilmastointi, automaattinen (kolmialueinen) Lämmitettävät sähköpeilit taittotoiminnolla Automaattisesti himmentyvä taustapeili ja kuljettajan sivupeili Ajovaloautomatiikka Peruutusavustin Ristiseläntuki ISOFIX-kiinnitys takana sivuistuimissa 12V latauspistoke Taittuvat takaistuinten selkänojat (40/20/40) Turbo Sähkötoiminen seisontajarru Törmäysvaroitin Turvatyynyt Käynnistyksenesto Rengaspainevalvontajärjestelmä (TPMS) Luistonestojärjestelmä (TCS) Ajonvakautusjärjestelmä (ESP/ESC) Lukkiutumattomat jarrut (ABS) Kuljettajan vireystilan valvontajärjestelmä Huoltokirja, sähköinen Ohjaustehostin Tumma / musta sisäkattoverhoilu Ajotietokone Hätäjarruavustin (EBA) Kahdet renkaat kevytmetallivanteilla KATSO 360-KUVAT JA LISÄÄ KUVIA ME MYÖS TOIMITAMME AUTON KOTIISI - KYSY MYYJILTÄMME LISÄÄ TÄHÄN AUTOON MAHDOLLISTA SAADA KAMUX-PLUS Rahoituksen käsiraha alkaen 0 euroa 2 x avain Parking Assistant Plus Bluetooth handsfree matkapuhelinvarustus HiFI-äänentoistojärjestelmä Intelligent eCall
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Frequently asked questions about this car
How much does BMW X3 xDrive20d Mild-Hybrid xDrive cost?
BMW X3 xDrive20d Mild-Hybrid xDrive is for sale at 37,900 €.
Is this car well priced?
According to bilbil.fi's price estimate, the asking price is well below market price (estimated market price 43,000 €).
How long has this car been for sale?
The car has been for sale for at least 8 days. The listing entered bilbil.fi's tracking on 22/09/2026.
Has this car been on the market before?
No earlier completed sales are on record for this car.
What model year is the car?
The car is model year 2023. It was imported to Finland as a used car.
How many kilometres has the car covered?
The car's mileage is 125,000 km.
How common is a 2023 BMW in Finland?
On 30/06/2026 there were 6,411 BMW passenger cars first used in 2023 in traffic use in Finland. That is 6.5 % of all cars first used that year, making it the 8th most common brand of that year among 37 brands. The most common fuel type among them is electric (51.3 %). The figure is a snapshot of the whole fleet, not the number of cars for sale.
How common are used imports of this make?
11,234 used BMW passenger cars were imported into Finland in 2023–2025, 9.2% of all used passenger-car imports; 1,302 of them were 2023 cars. The most common source countries for used passenger-car imports are Sweden (52%) and Germany (30%).
What fuel type and gearbox does the car have?
The fuel type is diesel and the gearbox is automatic.
What features does the car have?
Notable features include Tow bar, Adaptive cruise control, LED headlights, Reversing camera, Keyless entry and start. The full feature list is on this page.
How much is the car's vehicle tax?
Vehicle tax is 665 € per year. It consists of the base tax, determined by CO₂ emissions or gross weight, and the driving power tax, charged on fuels other than petrol.
Can VAT be deducted from this car's price?
According to the listing, yes: at the 25.5 % rate the price includes 7,701 € in deductible VAT, leaving a net cost of 30,199 € for a buyer entitled to deduct it. The deduction is available only to a VAT-registered buyer, and for a passenger car only if the car is used exclusively for purposes entitling to deduction.
Where is BMW X3 xDrive20d Mild-Hybrid xDrive located?
The car is located in Kanta-Häme (Hämeenlinna, Kanta-Häme).
How much does the car cost to keep per year?
The estimate is 1,895 € per year: vehicle tax 665 €, insurance 1,230 €. Insurance and energy are estimates; vehicle tax is calculated from the car's own data.
Who is selling this car?
The seller is Kamux (Hämeenlinna).
Where can I see this car's price history?
This page shows the changes to the car's asking price, its sale periods and the edits made to the listing.