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Prices Paid: Buying & Leasing Experiences BMW X3 Prices Paid and Buying Experience
1544 messages, Last post on Sep 28, 2009 at 3:51 PM
You are in the Prices Paid: Buying & Leasing Experiences Forum. Your Hosts are car_man & kyfdx
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Replying to: britcrlvr (Aug 08, 2007 9:49 pm) I got another quote: 36mo/15K miles MSRP $42,950 sale price $40,500 $535/mth $1487 drive off (1st month payment, $625 bank fee, the rest is title and license). what do you think? thanks for your response.
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For existing BMW lessor? If you do get the 0.0015, can you still do 9 MSD on top of that?! Does this look right for Monthly payment $433? $39,775 MSRP $37,115 Invoice $1,00 above invoice $38,115 Final COst Residual $25,854 65% 3 yr/15k Interest $2,303 (Final Cost + Residual) * 3.60% Depreciation $12,261 (Final Cost - Residual) Monthly payment $433 (Interest + Depreciation) / 36 * 1.07 for tax
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Replying to: minote (Aug 13, 2007 9:08 pm) |
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Replying to: Firebird_EOU (Aug 14, 2007 8:31 pm) $39775 MSRP $38115 Selling price $38740 CAP cost (selling price + $625 acq.fee) $25854 Residual 65% 3yr/15K $340.59 monthly depreciation $95.95 monthly finance charge $436.54/mo. lease payment $467.10/mo. with 7% tax I'm not sure how you calculated the finance charge. There is no need to convert it to an interest rate, just follow the formula. I'm pretty sure the loyalty MF discount is still in effect. You can do an additional 7 MSDs, which would bring the MF down to .00101... This would bring the final payment down to about $434/mo. after tax. regards, kyfdx
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Replying to: kyfdx (Aug 15, 2007 3:41 am) (Cap Cost – Residual Value) / Term = Depreciation (38740 - 25854) / 36 = $358 (you have $340.59) Is bank fee $625 the same as the acquisition fee? You added the $625 fee into Cap Cost, but I am asked to pay the $625 bank fee up front at signing.
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Replying to: bkessler (Aug 05, 2007 3:18 pm) How come your drive off did not include the $625 acquisition fee and MACO? Are they lumped into cap cost and spread out over 24 months instead of pay them up front? |
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Replying to: Firebird_EOU (Aug 18, 2007 9:32 pm) (CAP cost + Residual) X money factor = monthly finance charge Yes.. bank fee is just another name for acquisition fee.. I added the acquisition fee into the CAP cost, but you can pay it up front.. |
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Replying to: Andyboy1974 (Jul 07, 2007 12:57 pm) I just add all your options ,but MSRP is $43600,not 42150. If reduce LUAD Gray Nevada Leather $1450, MSRP is 42150. so your dealer fogot to add this amount? If so you really got a good deal. |
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I hope I'm posting in the right spot. New to the forums here.... I am nearing the end of a lease on a 2004 X3 2.5. I'd like to buy rather than lease this time, so I was considering buying my X3 at the end of my lease. The current payoff price is 26,206.31. However, I was in an accident just 10 days after picking up my car in 2004. It was repaired well and I have had NO problems at all. Not one complaint about the vehicle, no strange noises, nothing has needed to be replaced or fixed. and it still rides like a charm. Recently, someone broke the small rear window and I had it repaired at a BMW dealership. They replaced it with a new window that has the radio antennas built in, my original windows did not have that, so now one does and one doesn't. According to them, the don't make the plain windows any longer. I know that if I buy the car and want to sell it down the road, despite the fact that I haven't had any trouble, people will see that it had major front end damage and they will see that the windows don't match and the value will be decreased by at least $3,000-4,000, if not more. My salesman has also informed me that I should consider buying the extended warranty and maintenance plan if I decide to by my car. As much as I would love to buy a new X3, I just can't afford to right now. My options: 1) Buy my car and take my chances. 2) Give up the BMW and buy a less expensive car. 3) Buy CPO X3 that has not been in an accident. 4) Lease a new X3. Any advice or opinions would be appreciated. Just curious to hear what someone else would do in my situation. 
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you need to decide where exactly your finances are and go from there. however, if you decide to buy out your lease, you're taking a $3-4K hit right there because of the accident and repair. for that reason alone, i think it would be a serious financial mistake since it sounds like your budget for cars is already semi-tight. i personally don't like leasing unless you can write it off as it ends up costing more in the long run. however, in your case, because of the accident, it may have helped you break even compared to a buy. so my personal rec would be to do either option 2 or 3 followed by 4. just be careful and realize that just because a car is CPO'd does not mean it hasn't been in an accident. salesmen will tell you this and that but remember, they are just salesmen and will tell you want you want to hear. best of luck
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