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Prices Paid: Buying & Leasing Experiences Saab 9-3 Prices Paid and Buying Experience
653 messages, Last post on Nov 19, 2009 at 7:04 AM
You are in the Prices Paid: Buying & Leasing Experiences Forum. Your Hosts are car_man & kyfdx
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Replying to: buy_low (May 15, 2005 2:43 am) 2) Do the lease payments include sales tax? Even if they don't, they both look like good deals... great deals if they include tax. 3) Do you like to switch cars a lot, or are you looking to lock in a good lease price, once you find one? I kind of like that 24 month lease.. dirt cheap for that length of term... but, if you come out of the lease in just two years, you have to try to find another great deal, which is not so easy... So, in that case, maybe the 3 year lease would be the way to go... From a financial standpoint, no over-riding reason to go with either one.. they are both good... 4) For reference, the purchase payment on $29,800 at 4.9% for 60 months is $561/mo. (+ tax?)... Considering Saab's reputation for re-sale value, I'd definitely go with the lease.... regards, kyfdx
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I was quoted the following price on a 2005 Saab 9-3 Linear w/ automatic transmission, no other options were included. Lease was for 3 yr. 36000 miles. MSRP: 29,420 Sales price: 28,473 Residual: 47% Money Factor: .00054 Lease Assistance: 3,500 Money down: 1,502.29 (tax, lic. title) Monthly payment: 350.39 The dealer stated this price includes my GM supplier discount.
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Replying to: mgz2400 (May 15, 2005 12:58 pm) So, as long as your upfront money doesn't include anything strange, like document fees or dealer prep... If it all goes to payment, security deposit, taxes, and title, registration, license... Then it looks like a good deal..
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Replying to: kyfdx (May 15, 2005 7:57 am) Actually got a follow-up quote today on the 36 month variant where bank fees of $695 are deducted from the "$1500 at inception" package and loaded back into the lease payments bringing those up from $390 to revised $411/month (taxes included). And that money factor of .00049 (yes, that's THREE zeroes), equating to about a 1.18% rate, courtesy of Saab Finance, is actually correct. I kinda like these numbers.  Anyone disagree?
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Replying to: kyfdx (May 15, 2005 7:36 pm) Payment 350.39 Lic,doc.etc.. 203.20 Acq. fee 895.00 Acq. tax 53.70 Total 1502.29 With the acquisition fee + tax around 950 dollars, should I negotiate that amount from the deal to have it be a solid purchase. |
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Replying to: mgz2400 (May 15, 2005 8:25 pm) $895 seems a little high for the acquisition fee, though.... I'm not familiar with Saab's base fee, but perhaps they are marking this up a couple hundred? Other than that, good deal.. regards, kyfdx
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Replying to: kyfdx (May 15, 2005 8:34 pm) So, mgz2400, looks like you may have room to play hard-ball on getting that fee reduced. Related question to the group: is even $695 etched in stone as an acquisition fee in these deals? Seems like, given it's a captive finance company (not some arms-length relationship with an outside bank), there should be a bit of wiggle room in that fee. True? Anyone seen it dropped substantially? And kyfdx, did my added numbers from last night's post make sense to you? Any thoughts? Thanks!
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Replying to: buy_low (May 16, 2005 4:58 am) The $695 goes directly to the bank.. Every lease has an acquisition fee.. They are never waived, unless the bank has some kind of special promotion.. The only thing the dealer can do is increase the fee for extra profit.. So, no wiggle room.. regards, kyfdx |
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The Edmunds pricing system kicked out a price of 28187 minus 1000 for incentives for the exact model I plan on leasing. My dealer dropped a 1000 off MSRP, which was 29420, and 3500 worth of lease assistance. Adjusted Cap Cost = 24973. Do I have more room to negotiate off the sale price, which is now 28473 or should I just be happy w/ the price given. Acq. fee is part of the due  signing payment and not part of the sale price. Does my GM supplier discount give me that 1000 of MSRP or do I have more room to negotiate? How much is the Supplier discount worth?
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Replying to: mgz2400 (May 16, 2005 8:50 pm) I don't pay too much attention to the TMV on Edmunds... The info doesn't always factor in the latest incentives, and customer rebates are accounted for differently than dealer cash.. Plus, the numbers are historical, so there is a time lag, as well... The Saab dealer should be able to show you an invoice that has the supplier price listed.. regards, kyfdx |
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