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BMW 5-Series Lease Questions

2604 messages,  Last post on Dec 04, 2009 at 7:18 AM

You are in the Prices Paid: Buying & Leasing Experiences Forum. Your Hosts are car_man & kyfdx

What is this discussion about? BMW 5 Series, Car Leasing, Sedan, Wagon


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#551 of 2604
2007 525i lease package - Car_man please advise by xspectg
Apr 01, 2006 (10:31 am)
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Car-man please help.
 
2007 525i with the following options
  
options
Premium Package
Navigation System
Automatic Transmission
Sirius Satellite Radio
Comfort Front Seat
Cold Weather Package
 
MSRP - $51,815
Invoice - $47,535
Selling Price - $49080
 
The money factor is .00225
Milage is 15,000 / year
term is 36 months
 
My trade in is $4000, which I'm comfortable with.
 
Should I use my trade for a downpayment or multiple deposits.
#552 of 2604
Re: BMW 5-Series: Lease Questions [yaya1] by sdsualums
Apr 02, 2006 (7:14 pm)
Reply

Replying to: yaya1 (Mar 31, 2006 8:01 pm)

530i
Premium
Nav
Heated Seats
Park Distance
Drive off was around 1900 incl. sec. deposit of 750, 625 aquistion, don't pay 825,"> 0 cap. reduction. Love the car.
#553 of 2604
2006 530I LEASE by talei123
Apr 03, 2006 (6:50 am)
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I WAS RECENTLY TRYING TO BUY A 2006 530I BMW W/ NAVIGATION AND LEATHER... MSRP CAME OUT TO ABOUT $52000.. THEY BROUGHT IT DOWN TO ABOUT 49000... FOR A LEASE THE WANTED $2000 DOWN WHICH INCLUDED THE DRIVE-OFF AND MONTHLY'S WERE ROUGHLY ABOUT $725.. I CAN DO ALOT BETTER COULDNT I, BUT THEY JUST WOULDNT BUDGE... WHAT DO YOU GUYS THINK.... PLEASE HELP ... THANKS...
#554 of 2604
April Lease rates? by alboogie7
Apr 03, 2006 (6:50 am)
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Anyone know what the April Lease rates are or will look like? thx...
#555 of 2604
Re: 2006 530I LEASE [talei123] by bdr127
Apr 03, 2006 (7:11 am)
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Replying to: talei123 (Apr 03, 2006 6:50 am)

I don't know about the details on the lease, in particular.... but as far as the selling price of the car, it's very good. The dealer is making less than a thousand bucks at that price....
#556 of 2604
Put zero cap down; buy down the rate with MSD by vsaxena
Apr 03, 2006 (11:38 am)
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In general, it is always good not to put any money down to buy down the capitalized cost of the lease. Apart from losing the down payment if the car is totalled, you can typically earn better returns on your investment if you have a special Money Factor (like what BMWFS is offering on the 5 series).
For many people putting multiple security deposits is a great deal. You can buy down the MF to up to 0.0049 by putting seven deposits and that is equivalent to a reduction in the interest rate of almost 1.2%. On most deals this translates to an ROI of greater than 10%. And this is in post-tax money.
#557 of 2604
Buying down the MF with multiple deposits by omeganet
Apr 03, 2006 (9:48 pm)
Reply
Great post! Can you provide more detail, i.e. how much is each deposit, and I assume the total amount is then multiplied by seven to get the maximum discount? Do you get these deposits back at the end of your lease, or are they used to pay off the final payments of your lease?
 
Could you put together an example scenerio, and is this figured in with the current inflation rate?
#558 of 2604
Re: 530xi wagon lease deal [lloyd5] by Car_man HOST
Apr 04, 2006 (1:45 am)
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Replying to: lloyd5 (Mar 31, 2006 3:58 am)

You're very welcome, lloyd5. Enjoy your new car .
 
Car_man
Host
Smart Shopper / Prices Paid Forums
#559 of 2604
Re: bmw 530xi lease [yaya1] by Car_man HOST
Apr 04, 2006 (1:48 am)
Reply

Replying to: yaya1 (Mar 31, 2006 3:31 pm)

Hi yaya1. You never mentioned the selling price of the car that you are interested in leasing. This is an important number for you as a consumer to know for two reasons. First, the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. Without knowing the price of the car that you want to lease you don't know how good a price you are getting it for. The second reason is that one needs the selling price of a vehicle that they want to lease is that it is necessary to calculate its lease payment. I would be more than happy to give you my opinion on this deal if you let me know what its selling price is.
 
Car_man
Host
Smart Shopper / Prices Paid Forums
#560 of 2604
Re: 2007 525i lease package - Car_man please advise [xspectg] by Car_man HOST
Apr 04, 2006 (1:55 am)
Reply

Replying to: xspectg (Apr 01, 2006 10:31 am)

Hello xspectg. You would be much better off using the proceeds from your trade to make multiple security deposits than as a down payment. I always advise consumers against making any sort of down payment when leasing. I do so for two main reasons. The first is if your vehicle is totaled in an accident or stolen during your lease, your down payment essentially disappears. The second main reason is that down payments on leased vehicles do nothing to reduce their lease-end purchase prices. So your lease-end purchase option price for your BMW would be exactly the same, regardless of whether you had put $4,000 down, or had made absolutely no down payment at all.
 
I estimate that you could use your $4,000 to make your car's first security deposit plus 5 additional. Since BMW reduces vehicles' monty factors by .00007 for each additional deposit, 5 additional would drop this car's money factor to around .00190.
 
Car_man
Host
Smart Shopper / Prices Paid Forums

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