37,900 €
Vaihtokaara Hyvinkää, Uusimaa
The 2020 BMW X5 45 M Sport is an all-wheel-drive estate, petrol hybrid-powered with an automatic gearbox. It has an engine displacement of 3.0 litres and an output of 210 kW (286 hp). The car is imported from Sweden. Used imports of this make totalled 11,234 cars in 2023–2025, 1,963 of them 2020 cars.
The asking price is 37,990 €. That is in line with bilbil.fi's estimated market price of 36,800 €. The estimate is based on 524 comparable cars. The chance this car sells within the next 30 days is about 48%.
The asking price has been reduced 3 times, by a total of 7,010 € from the original 45,000 €. A dealer typically sells this model in about 17 days and a private seller in about 19 days.
The odometer reads 161,000 km, which works out at about 24,000 km per year. The car was inspected 1/2026, and the next inspection is due an estimated 1/2028.
This car has been sold before within bilbil.fi's tracking: it sold on 23/07/2026 for 45,000 €, at 157,000 km. It is now listed for 7,010 € less than in that sale. It has covered about 4,000 km more since.
Running the car costs an estimated:
Vehicle tax and insurance come to about 1,180 € per year.
The original tyre size is 265/50 R19.
The seller is J. Rinta-Jouppi (Helsinki).
The car has been for sale for 18 days since 22/10/2026.
The information on this page is compiled by Bilbil from dozens of public and non-public sources from Finland and elsewhere in Europe. Check the details stated by the seller in the original listing.
Asking price: 37,990 €
| Date | Price | Change | Listing |
|---|---|---|---|
| 04/07/2026 | 45,000 € | – | Private seller |
| 22/10/2026 | 38,400 € | – | J. Rinta-Jouppi Helsinki |
| 01/11/2026 | 38,270 € | −130 € | J. Rinta-Jouppi Helsinki |
| 07/11/2026 | 37,990 € | −280 € | J. Rinta-Jouppi Helsinki |
184 cars of the BMW X5 model series (first registered in 2020) were inspected in 2025. They recorded 15 defects leading to a failure, or 8.2 defects per 100 inspections. For cars of the same age nationwide the figure is 15.7. That is clearly fewer defects than in cars of the same age on average.
Front and rear axles, springs and dampers, tyres and wheels
Windscreen and wipers, mirrors, field of view, controls, road test
Plates and register entries, VIN, documents
Most advisories concerned lights and electrics (9). Median mileage 98,000 km.
sale
| Sold | Price | Mileage | Time on market | Seller |
|---|---|---|---|---|
| 23/07/2026 | 45,000 € | 157,000 km | 19 days | Private seller, Outside Finland |
| Change | ||
|---|---|---|
| 07/11/2026 | Asking price J. Rinta-Jouppi Helsinki | 38,270 € ↓ 37,990 € |
| 01/11/2026 | Asking price J. Rinta-Jouppi Helsinki | 38,400 € ↓ 38,270 € |
| 22/10/2026 | Seller changed | Private seller → J. Rinta-Jouppi Helsinki |
| 22/10/2026 | Asking price J. Rinta-Jouppi Helsinki | 45,000 € ↓ 38,400 € |
| 22/10/2026 | Mileage J. Rinta-Jouppi Helsinki | 157,000 km ↑ 161,000 km |
See detailed history data from carVertical: the report covers the car's mileage records, possible damage, previous owners and registrations.
View history reportBILBIL −20% off the report | Country | Period | Asking price | Odometer |
|---|---|---|---|
| 1Sweden | not known | not known | not known |
| 2Finland | 7/2026–11/2026 | 37,990 € | 161,000 km |
When 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.
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 is based on CO₂ emissions (WLTP), 32 g/km.
The average CO₂ of petrol passenger cars first registered in 2020 was 137.8 g/km (WLTP). This car is 106 g/km below that average, which comes to 33 € less a year in base tax.
Estimated annual insurance cost (liability + comprehensive).
−25% POP Vakuutus comprehensive cover campaign until 10/11/2026
≈ 89 €/mo
Request a quoteThe campaign price deducts 25% from the estimated comprehensive cover. The discount applies to comprehensive insurance for passenger cars, on POP Vakuutus’s terms. The final price depends on factors such as claims history and place of residence, and is set in the quote.
Remember to check tyre condition with the seller.
BMW X5 (2019–2023) · 45e. G05 xDrive. (M=20'') (210kW)
Original wheel size: 19″
Renkaatvaihtoon.fi guarantees that the tyres fit this exact car (CNJ-907).
Order tyres See wheels too →
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CNJ-907 is a 2020 BMW X5 45 M Sport with 161,000 km on the odometer. It is for sale at 37,990 €.
BMW X5 45 M Sport is for sale at 37,990 €.
According to bilbil.fi's price estimate, the asking price is at market price (estimated market price 36,800 €).
The car has been for sale for at least 18 days. The listing entered bilbil.fi's tracking on 22/10/2026.
Yes. The asking price is 7,010 € below the original listing price.
Yes: this car has one earlier completed sale on record. It was last sold on 23/07/2026 for 45,000 €, and it has been driven about 4,000 km more since then.
The car is model year 2020 and was first registered on 30/01/2020. It was imported to Finland as a used car.
The car's mileage is 161,000 km.
Based on the listing data, the next inspection is due around 1/2028. A car under 10 years old is inspected every two years.
6.5 % of BMW X5 cars first registered in 2020 failed their periodic inspection in 2025 (184 inspections, median mileage 98,000 km). Failure rates are not directly comparable between models because typical mileage differs.
On 30/09/2026 there were 6,854 BMW passenger cars first used in 2020 in traffic use in Finland. That is 5.7 % of all cars first used that year, making it the 7th most common brand of that year among 33 brands. The most common fuel type among them is plug-in hybrid (65.5 %). The figure is a snapshot of the whole fleet, not the number of cars for sale.
11,234 used BMW passenger cars were imported into Finland in 2023–2025, 9.2% of all used passenger-car imports; 1,963 of them were 2020 cars. The most common source countries for used passenger-car imports are Sweden (52%) and Germany (30%).
For BMW X5 cars first registered in 2020, defects leading to a failure in 2025 inspections came most often from: axles and suspension, road test and visibility, vehicle identification. That is 8.2 defects per 100 inspections, against 15.7 for cars of the same age nationwide. Figures count defects, not cars, and describe the model series rather than this individual car.
The fuel type is hybrid (petrol) and the gearbox is automatic.
Notable features include Sunroof or panoramic roof, Premium audio, Adaptive cruise control, LED headlights, Reversing camera. The full feature list is on this page.
Vehicle tax is 106 € 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.
The car's original tyre size is 265/50 R19.
The car is located in Uusimaa (Helsinki, Uusimaa).
The estimate is 1,176 € per year: vehicle tax 106 €, insurance 1,070 €. Insurance and energy are estimates; vehicle tax is calculated from the car's own data.
The seller is J. Rinta-Jouppi (Helsinki).
This page shows the changes to the car's asking price, its sale periods and the edits made to the listing.