LS mt125 TLB vs Yanmar 424 TLB

[LS Tractor Owner]

I currently own an LS mt125 TLB w/ 94 hours on the clock. I have an opportunity to purchase a Yanmar 424 w/ TLB. I have 60 payments left on the LS, (made 11 payments), interest is at 4.99%. I estimate an average of about $550 a year in interest, at least the next 2 years, then decreasing thereafter. (Probably $16-1800 over the remainder). The initial package also included a PHD w/ a 9" auger, which I would be keeping, but I put $1000 down, so a wash.
The Yanmar would start over w/ a full 84 months, but 0% interest. The Yanmar has the same engine as the LS, but has higher hydraulic output (LS = 6.7, Yan = 8.0), which increases loader cap at least 200lbs, same w/ the 3 point. Plus higher weight, ground clearance, much larger tires.

I can get the Yanmar for $15 a month more. No money out of pocket, just fuel /time to go pick it up. (Estimated at $200-250 for fuel). I will be building a small house this summer, paying cash, so payments can't go up much.

There will be multiple tasks for the tractor, (trenching, grading, putting in stone drive, etc...) NO I don't need a 50hp or even a 35hp. I want to stay in the SCUT / small CUT. The LS has been flawless and has done everything I asked of it (biggest project so far was doing the septic system). I'm really on the fence with this. I keep thinking "I'll save all that interest", but I will be about $1300 in the hole on the trade, so probably a wash again.

My questions: Is the Yanmar 424 that much more of a tractor than my LS mt125? Will it do more than the LS? Is the Yanmar better built for the long run vs the LS? I have factory warranty on the LS for the remainder of the loan, the Yanmar warranty would expire w/ 2 years of payments left.

Before I even bring up the subject w/ SWMBO, what do you guys think? Give me your yea or nay, or pros / cons.

 

[Tractorable]

I'm a big Yanmar fan, but you're talking about 2 more years of payments, which given the slight increase in capability of the Yanmar over the LS, may not be worth the trade in the end.

If you were in a situation where you needed a lot more capability and were jumping to a larger frame size then I'd probably say go for it, but you could have the LS paid off two years before the Yanmar which could go towards other expenses around your home.

 

[LS Tractor Owner]

Right, an aspect that I really didn't consider, I was only really looking at the present and next couple of years. After the small house is built, we are going to sell the big house, then actively look for a retirement property (min. 5-10 acres). My needs may be quite different by then. Thank you.

 

[LS Tractor Owner]

No other input?