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45,887They do... each deposit lowers the money factor by .00010 and you can use up to 9 deposits, though the money factor cannot be below .00001. It's a great deal that I took advantage of on our 2011 G37X.

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10Thanks for the info kyfdx!

6@kyfdx@edmunds, would you be so kind as to provide February's residual and money factor for the QX60 39 months and 10K miles? Do the residuals change with the various packages? Thanks again for all of your awesome info!

45,887The only differences on the QX60 are AWD or FWD.

AWD: .00104 MF and 60% residual

FWD: .00102 MF and 59% residual

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11So is the 60% residual for 10k or 12k miles? We are looking at a AWD for 39 months and 12k miles. Completely loaded.

45,887Those residuals were for 10K/yr, because that was the question that was asked. Subtract 1% from the residuals for 12K/yr leases.

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2Finally picked up a lease in bay area.

Package: AWD+ premium Plus+ Driver Assist.

Terms : 36000 miles - 3 years

Payment offer: 0 down + first month lease payment + registration +title.

MSRP: 51555

Agreed vehicle value - 7.a in lease document = 47232

Acquisition fee -7.d in lease document = 700

Gross Capitalized Cost-7.r in lease document =47932

Residual - 6 in lease document = 31448.55 (61%)

I took the Refundable Security Deposit option of 9 lease payments totaling $4500 which appears in 4.c of lease document and is returned after 3 years back to you from IFS. This reduced money factor to 0.00014 i.e $404 in rent charges across entire lease period or $12.21 per month. ( 5.f in lease document)

Depreciation component: $16484.19 /36 = $457.89

Rent component: $404/36 = $ 12.21

Lease payment = $470/month.

Check it out guys, this is unbeatable package.

13Hi kyfdx, Would you please share the Feb/ 14 RV and MF in Indiana for QX60 AWD Hybrid and non-hybrid, for 36/39 months and 10k/12k miles. I know this is a lot!

45,887Non-Hybrid: .00104 MF and 61% for 36/12..

Hybrid: .00107 MF and 59% for 36/12

Add 1% for 10K/yr. Subtract 1% for 39 month term

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13Thanks kyfdx!

9I am getting a quote of 61% for 36/

10k.Is that right or should I ask the dealer further? I thought the RV is set by the bank and it should be same across the board.

45,887That's the residual I show for AWD.... 2WD is 1% lower.. might that be it?

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9Dealer misquoted, it is 62%.

Thank you for your help kyfdx.

11Hi kyfdx - Are the residuals based on the model & mileage regardless of what package options are on the vehicle? Do I calculate the residual from the total MSRP with package options? I am interested in a QX60 FWD, 36mo. lease, 15K miles/yr with premium, premium +, deluxe touring, roof rails & cross bars. Can you share current MF and Residual rate? Thanks in advance!

45,887This month, on this model, the only variables are FWD or AWD, gas or hybrid (plus, term and mileage, naturally).

.00102 MF and 58% residual for 36mo, 15K/yr. for FWD QX60 gas model.

Calculate the residual from the total MSRP on the factory sticker, including the destination fee.

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10I'm looking into a one payment lease on the QX60. Can someone help me figure this out? When I calculated it, I came up with them giving me a credit of $3108.24...Just want to make sure I'm not crazy.

Hybrid: .00107 MF and 59% for 36/12

MSRP: $59,055

Agreed Sales Price $53,434 (includes $2250 incentive)

Cap Cost $53434 –$ 24,000 = $29,434.00 (24k is my trade in that I own clear)

Residual 59% = $34842.45 for 36/12

Vehic$le's Total Depreciation

$29,434.00 - $34842.45 = $-5408.45

Vehicle's Monthly Depreciation

36 month: $199.44

I read somewhere that with a one pmt lease I only pay interest on the depreciation. Is that true? If so, my figures may bee slightly off because I didn't figure it that way.

Any help would be greatly appreciated.

The salesman sent me this:

39 Month One Payment Lease: I trade in my car for $24K and pay them $2,175

He mentioned if I do the One pay Lease it is tax free because my trade covers everything.

I asked multiple times what the money factor being used was and what the residual value he was using. He seems to go around those types of questions. I found the MF on here for the Hybride QX60 and also found there is an incentive of $2250 on it as well.

45,887.00107 MF and 59% residual are correct for a 36mo, 12K/yr lease.

When you do a One-Pay lease, the payment isn't a CAP cost reduction. The lease is calculated with a reduced money factor, to account for the upfront payment, then those resulting lower payments are added together, and that is your One-Pay payment (plus acquisition fee, taxes, title/registration, etc)

Also, generally, finance charges are applied to an average of the CAP cost and Residual. So, even a One-Pay lease will incorporate some amount of finance charges.

I'm not sure what the MF discount is for a One-Pay lease for Infiniti. For Mercedes, it's -.0010, for BMW it's -.00080..

What you don't want to do, is make a big CAP cost reduction on a lease. To be protected from loss, it needs to be a true One-Pay lease.

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10Now I've confused myself. Would you mind working the numbers for me? Let's say the discounted lease rate is the same as Mercedes... what would the totals including my 24k trade in work out to?

45,88759055 MSRP

53434 Selling price

.00007 MF (.00107 - .00100 discount)

59% Residual

$523.mo. X 36 months = 18,828

Add acq,fee ($700), title/registration, doc fee,

So... .somewhere around $20K (no tax, because of trade-in.)

But... I'm not sure if Infiniti offers a MF discount on their One-Pay lease.. Without an MF discount, the payment is $88/mo. higher ($88 X 36 = $3168 more). If they don't offer any sort of incentive, then it makes no sense to give them that money upfront.

Another option, instead of the OnePay, is to make multiple security deposits to bring the money factor down, then keep the rest of your money in the bank, since that would bring the finance portion of the lease down to a negligible amount.

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6Hey kyfdx,

Any idea of the March MF and residual for a 2014 QX 60 - 3 years/12k miles. FWD. Thanks.

45,887.00084 MF and 59% residual

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1do you have the March MF and residual for 2014 QX60 AWD - 36mo and 39mo 10k miles/yr

45,887.00086 MF and 61% for 36mo, 10K/yr.

.00088 MF and 60% for 39mo, 10K/yr.

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1Kyfdx what are the MF & residual for 2014 Qx60 AWD 36mo / 12 & 15k

45,887.00086 MF and 58% residual for 15K/yr. 60% residual for 12K/yr.

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9Can someone please tell me if this deal is decent? I have tried using a lease calculator and come out with a lower monthly payment than what I was quoted below.

QX60 AWD with Premium/Premium Plus/ Theater/Driver Safety Packages and a few other add-ons.

39 mo / 12K

MSRP: 54,045.00

Selling Price: 49,882.20

Money Factor: .00088

Residual: 59%

Monthly Payment: 598.31 (incl. tax)

Total Due at Signing (including 1st month and taxes/fees): 916.50

Thanks!

45,887With those numbers, I get $571/mo, plus tax...

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9Thanks, Kyfdx . I forgot to include acquisition fee. Therefore, Cap Cost is 50582.20, which gets me pretty close to the $598 number. Is this a reasonable deal?

45,887Looks reasonable to me. Have you thought about using the MSD program to lower your payment?

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10Hello kyfdx. Can you please tell me the March MF and Residual on the AWD QX60 in CA. I'm looking at 36mo and 15K/yr lease. Thanks in advance.