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Smart Shopper Smart Shopper-Archives Lease Questions - Ask Here 
23872 messages, Last post on Sep 20, 2005 at 8:08 AM
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Replying to: ar831 (Mar 29, 2005 12:50 pm) AHFC will lease in NY, but you pay something like double the acquisition fee the rest of us pay. One thing to note: some states have a "pay the taxes on a lease up front" law and other states are "pay as you go" (adding the tax to the monthly payment). I am pretty sure NY is monthly - you could get into a tax hassle if you move to another state that wants the taxes up front. Someone posted recently about doing the opposite - they leased in VA or someplace and paid all the taxes up front, then moved to NY and had to pay tax on the lease payment ALSO! Just something to think about. Also you would save the extra acq fee dollars in any state other than NY.... Dennis |
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Replying to: evan7578 (Mar 29, 2005 10:23 am) 330ic 36 mo/45k 0.00150 61% (63% for 36k) Having driven both, I much prefer the Z4 to the 3 series convertible (if you can stand the looks). The 3 series back seat is not big enough for anyone to ride in anyway  Dennis |
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Replying to: ar831 (Mar 29, 2005 10:14 am) Unless you can't get it elsewhere, it sounds like way too much money for insurance to me - $612 over the life of the lease. If you deal down the price of the car, you should be OK as far as insurance value VS buyout value anyway. That is the main reason folks always say to pay nothing out of pocket for a lease - if the car is totalled or stolen you lose your "investment". Dennis |
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Replying to: mlrtime (Mar 29, 2005 10:31 am) Dennis
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Replying to: dwynne (Mar 29, 2005 1:46 pm) I read your previous post of this Legacy lease deal. The only lease offers I see on subaru.com are for the forester, impreza, and baja in my zip (NJ). Maybe it is not for my zip code, nothing is mentioned about leases on www.cars101.com either. Thanks, mlr
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Replying to: mlrtime (Mar 29, 2005 1:58 pm) http://www.edmunds.com/incentives/step1.jsp and put in your zip and see if it comes up. I tried 08818 and it showed me the same 24 month lease deal. Dennis |
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Replying to: kyfdx (Mar 29, 2005 7:57 am) New question: If I have some cash lying around with me, can I use it to pay upfront and reduce cap. cost? Or is there another mechanism to put some cash (say $10k) to good use while leasing? Thanks to you guys!
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Replying to: love330conv (Mar 29, 2005 2:05 pm) 2) The security deposit is your payment rounded up to the next $50 increment.. 3) BMW has a "multiple security deposit" program.. In return for making extra MSDs, they will lower the money factor.. I think you can make up to five additional security deposits and each one lowers the money factor by .0005 For example, if you made an extra 5 security deposits ($2750), it would lower the money factor to .00155, saving you about $20/month including tax... Not a bad return on $2750.. about 8-9%. You get the security deposits back at the end of the lease.. Other than that, just leave your extra money in the bank.. If you make a cap cost reduction, that money is at risk, if the car is stolen or totaled... Or, just buy the car and use the money as a downpayment? regards, kyfdx
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i am interested in leasing a Honda Pilot w\ EX-L pckge and RES in north NJ for 36 mo\ 15k yr. i was offered a quote by one dealership for $1k at sign for $500 mo\ w\tax, and they are willing to pay off the remaining 2 payments on my A4 for $1050. how does it sound compared to other Pilot leases in my area? any feedback would be appreciated |
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Is a residual of $250 with a cap cost of $5995 a conditional sales contract? And what law does this break
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