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Subaru Forester Lease Questions

368 messages,  Last post on Nov 28, 2009 at 4:54 AM

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#114 of 368 Re: 09 Forester XT - Residual/Money Factor? [Car_man] by nias Oct 07, 2008 (5:28 am)
Replying to: Car_man (Sep 12, 2008 2:38 am) Hey guys, Would anyone mind teaching me or pointing me to where I can teach myself about residual value & money factor. I'm smart enough to know the Northern NJ Subaru dealer was trying to rip me off, but I'd rather be armed with this type of information next time. Thanks so much. JRon PS. For giggles here were the original deals(jokes) offered: 2009 Forester w/premium package/manual - Msrp 22,495/Invoice 21,171 24 month/10k/0down = $539 per month 36 month/10K/0down = $449 per month Replies to this message: indianajohns (Oct 09, 2008 3:14 pm) Car_man (Oct 13, 2008 3:29 am)
#115 of 368 dealer offer by gooch5 Oct 09, 2008 (2:43 pm)
I visited a dealer in Queens, NY and I was given a lease offer for 36 months 15k miles on a 25.x limited   Total out of pocket $1150 $379 per month   How does this offer sound? Replies to this message: indianajohns (Oct 09, 2008 3:07 pm)
#116 of 368 Re: dealer offer [gooch5] by indianajohns Oct 09, 2008 (3:07 pm)
Replying to: gooch5 (Oct 09, 2008 2:43 pm) You really need to post all the numbers to get an accurate assessment.   MSRP RESIDUAL SALE PRICE (CAP COST) FEES (NET CAP COST) Whether or not that $379 included sales tax. Where did the out of pocket $1150 go? Was it to pay fees, dmv, 1st payment, etc? Or did you actually put money against the sale price?
#117 of 368 by gooch5 Oct 09, 2008 (3:12 pm)
Thanks for the response. I will get all the numbers tonight. The taxes were rolled into the monthly payments. The out of pocket was 1st payment, bank fee, sec deposit. I don't recall if the MV fees were put in here. Replies to this message: indianajohns (Oct 09, 2008 3:17 pm)
#118 of 368 Re: 09 Forester XT - Residual/Money Factor? [nias] by indianajohns Oct 09, 2008 (3:14 pm)
Replying to: nias (Oct 07, 2008 5:28 am) Same as last poster, you need all the numbers to calculate a lease.   MSRP multiplied by the residual % = Residual Value. Cap cost is the sale price of the vehicle including all rebates etc. Net Cap Cost is the sale price and all discounts PLUS any and all fees. Money factor is basically the interest rate charged for the lease.   NET CAP COST minus RESIDUAL divided by term in months = YOUR BASE PAYMENT   NET CAP COST plus RESIDUAL multiplied by MONEY FACTOR = RENT CHARGE   Add YOUR BASE PAYMENT plus RENT CHARGE = YOUR LEASE PAYMENT Add your sales tax to monthly payment for total payment
#119 of 368 Re: [gooch5] by indianajohns Oct 09, 2008 (3:17 pm)
Replying to: gooch5 (Oct 09, 2008 3:12 pm) See if there is a penalty for waiving security deposit. Honda charges you a slightly higher money factor if you waive. Ford/GM do not. If you are going to take reasonable care of the vehicle, I would waive it.
#120 of 368 by gooch5 Oct 09, 2008 (5:48 pm)
I still have to get the cap, net cap, and money factor costs.   I am more interested in the XT model. The price give to me for that model was based on an MSRP of 28,115   With leather the monthly costs for the 09 xt was $394 per month with 1285 out of pocket which includes Bank fee, 1st payment, and plates. No sec deposit.   Nias thanks for the formula. I am a newbie to leasing. I have always owned cars. Replies to this message: djhalptert (Oct 09, 2008 6:11 pm)
#121 of 368 Re: [gooch5] by djhalptert Oct 09, 2008 (6:11 pm)
Replying to: gooch5 (Oct 09, 2008 5:48 pm) $394 seems high to me. If it was 62% residual and MF was 0.00175 and you got a cap cost of $25,000 your payment would be sub $300 including sales tax.
#122 of 368 Re: forester 2.5x premium & 2.5x ltd [sub4543] by Car_man HOST Oct 12, 2008 (5:18 pm)
Replying to: sub4543 (Sep 30, 2008 4:27 pm) No problem, sub4543. I'm always glad to help.   Car_man Host Prices Paid: Buying & Leasing Experiences Forum
#123 of 368 Re: Forester 2.5x premium & 2.5x ltd [arvan] by Car_man HOST Oct 12, 2008 (5:27 pm)
Replying to: arvan (Oct 03, 2008 4:11 pm) I sure do, arvan. you never mentioned how long you want to lease this vehicle for or what mileage allowance you need, so for now I will assume that you are interested in a 36 month lease with 15,000 miles per year. Let me know if you want something different. Subaru's current buy rate lease money factor and residual value for a 36 month lease of a 2009 Forester 2.5 X Premium with 15,000 miles per year are .00160 and 58%, respectively. The numbers for an otherwise identical lease of an '09 Forester X Limited are .00175 and 58%.   Car_man Host Prices Paid: Buying & Leasing Experiences Forum

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