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Prices Paid: Buying & Leasing Experiences BMW 3-Series Lease Questions
3221 messages, Last post on Dec 06, 2009 at 1:34 PM
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Replying to: boomer23 (Jan 28, 2008 3:08 pm) MSRP 48,195 Base Cap Cost of car is 45,850 costs added to lease 1,324 residual 61% money factor .00245 The MSD don't make any sense for me since i get 12% on my money, which in turn makes no sense to put any money down as u said before. So with this I'd be looking at a payment of 729 a month......pretty good or no?
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Replying to: snuffie381 (Jan 28, 2008 3:55 pm) I see that your cap cost is $45,850, $2345 less than MSRP. If all of that is a discount by the dealer and not from your cash contribution, that is a very aggressive discount on a 2008 335i Coupe. He's probably making some of that profit back in fees, hence the $1324 rolled into the lease. The lowest amount you could expect to pay in fees would be a $625 bank fee. Anything additional is probably dealer profit. This is usually listed as training fees, "MACO" and other fees. To improve the deal, see if you can negotiate any of that $1324 down. (I assume that you're paying a $750 security deposit up front to get the base money factor rate, along with license tags and other minor fees, and that the security deposit isn't rolled into the lease). Congrats on getting 12% on your money in today's economy.
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Replying to: boomer23 (Jan 28, 2008 6:36 pm) |
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328i sedan/Alpine White/Beige Leatherette/Auto Navigation-Ipod-Sports Package Sales Price=$36,500 Term 36 mos. Money Factor .00215 MSRP $38,250 Residual 61% Security deposit $500 Registration fees $1338 Total due  signing $3,000 Payment $499.50 Good or bad deal?
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Got these numbers over the phone 328xi Metallic Premium Cold Auto 40925 MSRP 39121 Cap Cost 3yr/10k with 64% residual MF 0.00195 With tax 510.83 In principle, I know I can get more discount off the MSRP, but how's this deal? The MF looks wrong, and so does this guy's math.
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Replying to: companyman21 (Jan 29, 2008 11:46 am) Also, the discount from MSRP of $1750 is not especially good. For this car, you should be able to do better, like $2000 or more. Also, are you paying cash down as well? You shouldn't ever pay cash down on a lease. $3,000 sounds like a lot due at signing to me. Ask for an itemization of all of the fees, those that are rolled into the lease and those that are paid up front. The only really legitimate fee is a $625 bank fee. Dealers often try to inflate that by up to $200 to add profit. Other small fees, under $100, like DMV filing fees and tire fees are probably legit. Most other fees are dealer profit. To give you an idea, if you got the .00165 base money factor, and without any fees rolled into the lease, your payment before taxes would be about $465. If you pay sales taxes in your state, you need to add in your tax rate on that payment. |
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Replying to: ksu19 (Jan 30, 2008 10:06 am) At the base rate, before taxes (since I don't know your tax rate), with a $625 bank fee rolled into the lease, your payment should be about $492. If you pay the bank fee up front, the payment would be $473. Add your tax rate to these payments to see whether the math looks right. |
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Hello all, does anyone know the January money factor for the BMW 335i coupe? Thanks for your help!
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I just received the following quotes for 328xi - premium package, cold weather package, and automatic. #1 1st mth payment 538.32 fees 7 insurance 105 upfront taxes 12.50 Total out of Pocket 665.81 Markup 450 Disclosed Rate MF 0.00175 MSRP 39,175 Low MSRP 43,025.00 Vehicle Cost 36,865 Markup 450 Total Selling Price 37,315.00 Acquisition Fee 625 Captial cost 37,940.00 Capped Taxes 1,693.33 8.6250% (Oceanside, NY) Total Capital Cost: 39,633.33 15,000 Miles per year Additional miles 0.15 Total Mileage 45,000 Excess Mileage 0.20 Total Residual 23,896.75 Maximum Advance Information : Max 41,493.33 Max 100.00 Miscellaneous Information Max. 0.00040 Inspection 10.00 Title 50.00 Doc Fee 45.00 THIS IS ONE QUOTE. DON'T KNOW WHAT TO MAKE OF IT. DOES ANYONE KNOW IF THIS ANY GOOD? I ALSO TOLD THEM THAT I AM A CURRENT BMW OWNER. #2 Base MSRP 34,300 Invoice: 38,060 Color 475 Mark up 750 Cold Weather 850 Total Sales Price:38,810.00 Prem. Pkg 3,250 Auto 1275 36/45k Destination 775 61% Residual TOTAL: $40,925.00 .00185 MF (bumped up by .00010) 8.625% tax included in 1st mth 553.18 per month 625 Bank Fee 53.91 Tax on bank Fee 150 NY Plate Fees 10 NY Tire tax 45 Doc Fee 10 Inspection Fee TOTAL: $1,447.09 Security deposit waived through loyalty program.  THE 1st dealership is in NY and the 2nd is in NJ. So I already see that the 2nd is charging me for inspection 10.00 that they can't do. I have to get it inspected here in NY. I told them both that I will keep the plates I have on my present vehicle.  Are these any good? Can I put my security deposit being returned to me back into this to lower the MF factor? And how would that look and how much would it lower my monthly payment??? Obviously, I am still having a hard time. Thanks again HOSTS and everyone here who can help me out.
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Replying to: loveandlight (Jan 30, 2008 6:41 pm)
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