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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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Does Saab offer zero down leases? Do all manfacturers do this in general? I am getting a car allowance in my new position so I would like a zero down lease for 24 months on something nice, $400-$500 per month is my target I have a 2002 Civic with $4,000 equity and I would like to hold onto the cash and sell the car myself! I like the 9-3 Sedan with an AT. Thanks! |
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Hi Car_man, I am looking to lease a 2006 Saab 9-3, MSRP 30270, Selling price 27454 (GM employee price), 24 months, 12k mi per year. Can you calculate the money factor, residual, and monthly payment for both 24 months and 36 months? Saab has a national advertised rate of 299/month plus 2999 down, but It isn't clear to me how much of that is acquisition cost and fees versus cap cost reduction. I also want to avoid paying money up front as you suggest. Thanks for the help! |
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Hi jeffsauls. Here's the information that you are looking for. If you were to lease a 2006 Saab 9-3 2.0T Sedan through Saab Financial Services Corp. right now for 36 months with 12,000 miles per year, its buy rate lease money factor and residual value should be .00181 and 60%, respectively. Car_man Host Smart Shopper / Prices Paid Forums |
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Hello paathiker. All manufacturers offer zero down leases. Consumers can and always should lease any vehicle that they are interested in without making any sort of capitalized cost reduction. 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 insurance company pays off the bank that you were leasing it through and 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 vehicle would be exactly the same, regardless of whether you had put several thousand dollars down, or had made absolutely no down payment at all. At lease signing, consumers are typically required to pay their vehicle's first month's payment, a security deposit equivalent to that payment rounded up to the nearest $25 or $50 increment, the acquisition fee being charged by the bank that they are leasing through, and any required state taxes or fees. You absolutely should sell your Civic on your own. Car_man Host Smart Shopper / Prices Paid Forums |
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Hi tasha789. If you were to lease a 2006 Saab 9-3 2.0T Sport Sedan through Saab Financial Services Corp. right now for 24 months with 12,000 miles per year, its buy rate lease money factor and residual value should be .00179 and 72%, respectively. The numbers for an otherwise identical 36 month lease should be .00181 and 60%. With any lease through SFSC, you would have to pay your vehicle's first month's payment, a security deposit equivalent to your car's payment rounded up to the nearest $25 increment, a $595 acquisition fee (this is higher in some states), and any required state taxes or fees. Car_man Host Smart Shopper / Prices Paid Forums |
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Car_Man Can you provide me current money factor and residuals for 2006 9-3 with terms of 24 and 36 months with 15K mileage. thanks Jason |
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Hi car man, What are the October lease money factor and residual value numbers for the 2006 Saab 9-3 2.0T Sedan for the following terms? 36 months with 12,000 miles per year; and 48 months, with 12,000 mi per year? Also, does it appear that Saab is just pushing purchases right now (is there just way better support for purchase financing than for leasing)? Thanks again, Ben |
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Here you go Jason. If you were to lease a 2006 Saab 9-3 2.0T Sedan through Saab Financial Services Corp. for 24 months with 15,000 miles per year, its buy rate lease money factor and residual value should be .00179 and 71%, respectively. The numbers for an otherwise identical 36 month lease should be .00181 and 59%. Car_man Host Smart Shopper / Prices Paid Forums
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Greetings Ben. If you were to lease a 2006 Saab 9-3 2.0T Sedan through SFSC for 36 months with 12,000 miles per year, its buy rate lease money factor and residual value should be .00181 and 60%, respectively. The numbers for an otherwise identical 48 month lease should be .00181 and 45%. This lease is the only special program that is available on the '06 9-3 right now. Saab is not currently providing any sort of cash incentives or special financing rates on this model. Car_man Host Smart Shopper / Prices Paid Forums |
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Replying to: Car_man (Oct 23, 2005 4:53 am) |
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