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Saab 9-3 Lease Questions

546 messages,  Last post on Sep 15, 2009 at 10:35 AM

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What is this discussion about? Saab 9-3, Car Leasing, Convertible, Sedan, Wagon

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#34 of 546 Re: Money factors and deals 9-3 Aero Convertible [saablcp] by kyfdx HOST Nov 05, 2005 (11:26 am)
Replying to: saablcp (Nov 05, 2005 10:50 am) I guess the question I would have... Why would a dealer mark-up a money factor, that takes $1400 out of the pocket of the buyer, but only makes the dealership $600?   Why wouldn't the dealer just raise the selling price by $1000 and use the base rate, making himself $400 extra, and saving the buyer $400 over the marked up money factor?   Any insights on that?   regards, kyfdx Host-Prices Paid Forums
#35 of 546 Re: Money factors and deals 9-3 Aero Convertible [saablcp] by schoup Nov 05, 2005 (3:40 pm)
Replying to: saablcp (Nov 05, 2005 10:50 am) According to you a dealer can mark up the lease rate by .0004 so the fact that the dealer is marking it up .00055 in the lease outlined says what? The saab dealer is making more than the $600 you calculated, he's making about $900-$1000. I'm the pct. of the public that isn't star struck by this reduction in MSRP and realize that it is not some great deal as Saab dealers wan't to make you believe...you loose 10 feature....3 which can be replaced by buying premium pkg for $1,895...the rest not available. I'm interested in a fair deal and in not being told by you or some dealer that I should pay more for an '06 than I could pay for a base Arc last year even before employee pricing when I'm losing features.
#36 of 546 Re: Do disgruntled Saab shoppers have meteorological degrees? [saablcp] by harley52 Nov 06, 2005 (5:34 pm)
Replying to: saablcp (Nov 05, 2005 10:56 am) Just a fact of sales ,no good deals they sit .The bottom line its only a car Replies to this message: harley52 (Nov 09, 2005 8:47 am)
#37 of 546 Re: Do disgruntled Saab shoppers have meteorological degrees? [harley52] by harley52 Nov 09, 2005 (8:47 am)
Replying to: harley52 (Nov 06, 2005 5:34 pm) Actually drove the saab aero today,has to be the worst ride in any car,plus there insane on there pricing structure.Is anything included in the base price
#38 of 546 odd.. by dhanley Nov 09, 2005 (2:35 pm)
There's a lot included in a base aero.. Leather sport seats, fogs, cooled glove box, 6-speed, traction, stability, EBD, memory power seats, climate control, moonroof, cd changer, 17' wheels, xenons, etc.   Personally, i think that's pretty good for 32K. All i'd add is cold weather.   Can't comment on the ride, i thought the old aero was a little choppy but not too bad.   dave
#39 of 546 Saab Combi Lease Specifics cont. by steamboat72 Nov 10, 2005 (11:15 pm)
Back again, equipped with more information! Looking forward to everything about the car except the upfront paperwork and haggle! I am shopping for a 2.0T Combi. MSRP =$30,265. I was originally quoted $28,970 plus "fees" and told that the particulars of the lease program would be available later. Now I got them and would appreciate any input or feedback. The lease program as offered is $3662 (500 from Saab) so $3162 down + $434/mo for 36 months 15k miles. The makeup of initial payment was: First Month-$433, $2000 downpayment, $175 tax on DP, $258 license fee, $795 bank fee.  Money factor was given to me at .00204. Residual values = 57% ..Question- is this % of the MSRP, sticker price, or what my price is? For this example, Residual = $17,251. The dealer explained that I would be paying only $11,013 for the 36 months ($305/m) and "with lease fee and sales tax" as described, added, the total would be $15,612.48. ($433/m) I am confused as if I add the $15k to the residual $17,000,I am over $32k? Is the dealer confused? What parts of the "fees" do they have influence over and what not? Where is my best bargaining leverage in the lease deal? In the amount of DP? I was told adding $1000 DP only brings the monthly down $20. I appreciate any help or tips given. In the spirit of the site, I will be sure to pass anything helpful on when I get a chance! Thanks Replies to this message: Car_man (Nov 16, 2005 3:32 am)
#40 of 546 Saab Sports Combi Lease by jack00 Nov 14, 2005 (8:56 pm)
Is this a good deal for a 2006 Saab 9-3 Combi? Is there room for improvement?   MSRP - $33,415 Selling Price - $30,332 Money Factor - .00184 Acq Fee - $695 Term - 24 months Cash Down - 1,030 Rebate - $500 Miles - 12,000 Total Down - $2,500 Payment - $329.78 (7% sales tax) Replies to this message: Car_man (Nov 16, 2005 3:39 am)
#41 of 546 Re: Saab Combi Lease Specifics [steamboat72] by Car_man HOST Nov 15, 2005 (4:23 am)
Replying to: steamboat72 (Nov 02, 2005 12:35 pm) Hi steamboat72. So you're interested in the all new 9-3 Sport Combi, huh? What's with that name anyhow? Why doesn't Saab just call it a wagon? I guess that Sport Combi sounds cooler. The problem with making such a large down payment on a vehicle that you intend to purchase at lease-end is that down payments do nothing to reduce leased vehicles lease-end purchase prices. Sure, you will pay less interest along the way if you make a down payment, but it will not have any impact upon your car's depreciation and ultimately no impact upon its end of term purchase price. If you have an extra $2,500 to $3,000 sitting around that you want to use on this lease, you would be much better off using it to supplement your lease payment, or make a few of them than using it as a down payment.   As far as this car's current lease program goes, if you were to lease a 2006 Saab 9-3 2.0T Sport Combi through Saab Financial Services Corp. right now for 36 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00164 and 57%, respectively. The residual value for an otherwise identical lease with only 12,000 miles per year would be 1% higher.   Car_man Host Smart Shopper / Prices Paid Forums Replies to this message: steamboat72 (Nov 15, 2005 10:02 am) saablcp (Nov 15, 2005 11:09 am) Car_man (Nov 16, 2005 3:42 am) saablcp (Nov 17, 2005 9:34 am) Car_man (Dec 04, 2005 5:22 am)
#42 of 546 Re: 9-3 Aero Sedan Details [tlabrie] by Car_man HOST Nov 15, 2005 (4:23 am)
Replying to: tlabrie (Nov 02, 2005 4:52 pm) You're very welcome, tlabrie.   Car_man Host Smart Shopper / Prices Paid Forums
#43 of 546 Re: Money factors and deals 9-3 Aero Convertible [jeffepstein] by Car_man HOST Nov 15, 2005 (4:30 am)
Replying to: jeffepstein (Nov 03, 2005 1:07 pm) Hey jeffepstein. It's possible that only a certain percentage of the lease money factor mark-up that the dealer wants to make on your deal goes into their pocket. Many banks take a cut of any money factor mark-up. If this is the case, why doesn't the dealer just increase the selling price of your car by 40% of the $1,400, or a little over $500. They still make out the same, but you save almost a thousand dollars over the life of your lease. Better yet, tell this dealer that you'll just lease your car from a different Saab dealer that won't mark up the money factor on you. Saab dealers are dying right now. Sales have been terrible. I highly doubt that a dealer would let you walk from a deal just because they refuse to let you lease with the base money factor. Saab prices definitely are not fixed. There is a spread of over $2,000 between this car's full MSRP and dealer invoice price. Furthermore, Saab is currently providing $500 bonus cash on all 9-3s. I think that you need to tell this dealer that you are not being given a good enough deal and will lease from another Saab dealer if they don't work with you.   Car_man Host Smart Shopper / Prices Paid Forums

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