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Prices Paid: Buying & Leasing Experiences Infiniti FX35 / FX50 Lease Questions
1364 messages, Last post on Dec 01, 2009 at 5:09 PM
You are in the Prices Paid: Buying & Leasing Experiences Forum. Your Hosts are car_man & kyfdx
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Car Man- What are the Sept. money factors and residuals for the 2009 FX-35 AWD for 36 and 39 month leases with 15,000 miles per year mileage allowance. I plan to lease one soon.
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Replying to: cassy1028 (Aug 07, 2009 11:33 am) " EX35 Premium and Nav...MSRP 42265 Cap 34959 resid 27893 39 mos 12k 4000 down $443/month " I am a newbie, and trying to understand this stuff from a cost basis. The EX figures are all off in my perception. If the figures are right, you are paying $17000 for financing $7000 over 39 months. If I were presented these figures by the dealer, I would possibly pay the whole difference (cap-residual) up front with my credit card since i have %7.5 APR  lol The way that i look into the EX deal is this: IMHO, their capitalization value above is not really true at least for residual value calculations. $2863 is the price below MSRP that you are getting, so your Capitalization should read = $39402 39*$443 = $17277 + $4000 = $21277 is what goes out of your pocket in 39 months... If you are paying $21277, your residual value should be somewhere north of (excluding the financing costs for 16K over 39 months) = $18125 (+ the financing cost that you will incur)... The residual value figure that they have there for the EX is pretty off... Either the residual value is %46 ($18125) and you are getting %0 percent, or the residual is %50 ($19701) and you are paying $1576 for financing $16K over 39 months.Or somewhere in between. BTW, at the end, both does not seem so bad to me. So the numbers may be off, but the deal you are getting does not seem too bad . since %50 seems to be the residual that other individuals have posted, I would probably go with this. Any additional discounts that you can get on the price will lower your financing costs. Again, if they show this figures to me, I'd say, OK, I am paying up front all the cap-residual and save myself a good $10K, lol. But what do i know? 
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Replying to: HardC0d3r (Sep 03, 2009 8:35 am) resid 27893 You aren't financing $7000... you are financing the average of $34959 and $27893... Or... about $30,400... Monthly depreciation + monthly finance charges = pre-tax lease payment Even if you pay the entire depreciaton up front, you would still have monthly finance charges on the residual amount ($27893). A lease is a lot like a mortgage loan... with an option to turn it in for the balance owed at the end of the lease.. |
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Replying to: rubinstein7 (Sep 02, 2009 6:12 pm) Car_man Host Prices Paid: Buying & Leasing Experiences Forum
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Replying to: Car_man (Sep 04, 2009 3:05 am)
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Replying to: rubinstein7 (Sep 07, 2009 3:22 am) Car_man Host Prices Paid: Buying & Leasing Experiences Forum
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Replying to: Car_man (Sep 08, 2009 1:39 am) |
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Hey Carman, What are the current lease rates for 2009 FX35 AWD for 24 months and 15000 miles and 24 months and 18000 miles? Thanks, James |
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Replying to: jhyoo (Sep 16, 2009 10:43 am) I'm sorry if I'm asking the same questions as others, but I am really new to leasing a car and am unsure about whether or not i'm getting a good deal. Here's what the dealership offered me today for a 2009 infiniti fx35 awd with premium and navi package: 42 month term $618/month payment 12k miles $3500 downpayment including tt&l Any advice would be greatly appreciated! Thank you!
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Replying to: jhyoo (Sep 16, 2009 10:43 am) 15,000 miles per year is the highest mileage allowance that IFS publishes residual values for. If you need to drive more than that, you will have to purchase additional miles on a per-mile basis. It is less expensive to do so at lease signing than it is to wait until lease-end and have to pay an excess mileage penalty. Car_man Host Prices Paid: Buying & Leasing Experiences Forum |
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