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Prices Paid: Buying & Leasing Experiences Saab 9-3 Lease Questions
546 messages, Last post on Sep 15, 2009 at 10:35 AM
You are in the Prices Paid: Buying & Leasing Experiences Forum. Your Hosts are car_man & kyfdx
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1)edmunds.com is accurate only up to a point regarding invoices(see answer 2) 2)the dealer ad group charges are a part of the price of the car ...the dealer does not recoup them."Removing them" is no different than him lowering his selling price by $659.00. 3)The dealer charging you $50.00 for putting fuel in the car is total B.S.! A full tank of fuel at delivery is a Saab dedicated delivery procedure requirement and the dealer is reimbursed  a market value per /gallon amount.The bank fee is accurate and is charged by G.M.A.C.,and is not waiveable by the dealer.Bank Fees are charged by ALL Saabs competitors.At $695.00 the fee is one of the lowest(check BMW'S and M-B'S lease ads for example). The rest of the charges are set or capped by N.Y. State and out of the dealers control. 4)How funds are collected is just a matter of policy.Your questions regarding validity of most charges and the legitmacy of the invoice may have him concerned about accepting a personal check for the balance. 5)Another charge set by your state. 6)The $2,500 is for a cash transaction or a conventional finance package in lieu of a promotional interest rate.It's one from column A,or B,or C.No "combo platters" allowed. 7)Do you only go to see movies after you read the reviews?
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Replying to: chazbug (Dec 14, 2007 4:08 am)
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Replying to: saablcp (Dec 14, 2007 9:06 am) |
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Replying to: bluebird23 (Dec 14, 2007 10:41 am) |
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Replying to: drfnw (Dec 10, 2007 3:38 am) |
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Replying to: chazbug (Dec 14, 2007 4:08 am) MSRP: 33730 Sales Price: 31764 Residual : 60% Money Factor: .0018125 Effective APR: 4.35% Term: 39 Residual: 20238 Depreciation: 11526 Monthly Depreciation: 295.54 Monthly Finance Fee: 94.25 Total Monthly Payment: 389.79 Now here is what you need to do to improve this deal 1) Saab's lease acquisition fee is $595. They are marking it up $100 on you. Tell them you know it's $595, and that is what you expect to pay. 2) The security deposit is BS. I believe this buys the interest rate down, but the rate is 4.35 without the deposit, so they are making more money because of this. I would negotiate this out. 3) Like the other poster stated, the gas fee is BS. The $45 dollar dealer fee also sounds like BS. It's called added dealer profit, and I would negotiate it out. So you should be able to negotiate a down payment of $2316 = $388 + 595 Bank Fee,+$12.50 NY State tire recycling fee + $1311 NY State Sales Tax (at a rate of 8.375%) + $10 NY State Inspection They probably will balk at this, but if you threaten to walk, or tell them you got a better deal elsewhere, they will likely come around. Good luck. I just leased one myself. It was a painwith all the games they tried to play. I had to walk out of the finance office twice when signing the papers because they tried to sneak extra fee's in there. So keep on your toes. p.s. That sucks that NY makes you pay the tax up front. One of the big advantages of leasing for me is you only pay tax on the monthly payment, so your only paying on the depreciation, not the full value of the car.
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Replying to: bluebird23 (Dec 14, 2007 3:26 pm) charges.It's only within the last two years or so that you are again able to lease a car in those states.Liability issues being worked out in the judicial system completely eliminated closed end leasing in those states for a couple of years,you could only do a Balloon note.So forget the idea that it's a dealer mark-up and a negotiable item. The rate is currently based at 4.35% and you have to have Saab lease loyalty or owner loyalty eligibility for an automatic waiver of security deposit otherwise the rate DOES have to be marked up .50%. You honestly think this guy should make an issue over a $45.00 fee paperwork processing fee?How long did it take you to work out the paperwork and fees on your home mortgage!!??...Good Grief!
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Replying to: saablcp (Dec 15, 2007 7:48 am) Also in NY I don't think they charge sales tax on the doc fee so that helps too. |
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Thanks to all who provided such great information in December. I am looking to lease a 9-3 2.0T with the Premium Pkg + Moonroof, AT, etc. Dealer quoted $423 per month for 27 months at 12,000 per year. based on earlier discussion of Residual Value for 27 months at 69% and MF at 4.35%, this lease amount seems high. Does anyone have recent experience to share. Thanks
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Replying to: dgebler (Feb 18, 2008 7:54 pm) This is for a metallic paint 93 sedan 2.0T with sunroof and cold weather package and manual transmission. MSRP 30 685 With $ 3000 down $ 0 security deposit $ 500 lease loyalty rebate 27 month lease 12 000 miles per year Payment $ 374 per month Includes Maine state tax Includes $ 24 title fee Includes $ 595 bank acquisition fee Includes $ 278 documentation fee |
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