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2014 BMW 4-Series Lease Questions

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  • can you please provide me with the MF and residual for a 428i with 3 year/ 12K per year terms for December?
    thank you.
  • 2014 428i 36mo, 12K/yr lease
    .00125 MF and 62% residual

    regards,
    kyfdx

    Moderator - Prices Paid, Lease Questions, SUVs

  • Can I get the MF and residual for a 428i with 3 year/12k yr lease in SO CAL?
  • See the post directly above yours..

    Moderator - Prices Paid, Lease Questions, SUVs

  • popeye1234popeye1234 Posts: 1
    edited December 2013
    hey
    i am a first timer and i am so close to lease a 428 and here is the deal so far, please let me know if is good enough to move forward

    MSRP 51811
    Sale price $49500
    monthly payment $576.85
    term: 36/10k miles
    money factor 0.00165
    residual 63%
    down $2500
    royalty $500

    please advice
    thank you!
  • konacougkonacoug Kailua-KonaPosts: 163

    The selling price is not very good. With the holiday credit and end of year dealer incentives, you could do much better. It also depends what part of the country you live in too. It is important to get the money factor, as Zoombie99 pointed out. I would email your CA and ask for a complete breakdown of the deal. Also, look over other dealers inventory online and send out an offer via email...offer $500 over invoice. It is the end of the year and quota's need to be made. Finally, check out using MSD's, I've written about them many times, could easily save you $40-50 per month in payments.

  • Would the MF and RV change for the all wheel drive version of both the 428 and 435? 36mo 10k/yr.

  • This month, money factors and residuals are the same for all of the 4-Series models. The only differences are with length of term and mileage allowance.

    kyfdx

    Moderator - Prices Paid, Lease Questions, SUVs

  • @kyfdx@Edmunds said: This month, money factors and residuals are the same for all of the 4-Series models. The only differences are with length of term and mileage allowance.

    So just to make sure... .00125 MF

    NOT the .000125 given to me by my dealer... (I think he made a typo)...

    Difference between 3% and 0.3% is pretty big :)

  • Hi all, in Chicago area, looking to lease a 428i convertible, $58,600 with all options included. 36 mos, 10K per year; we would take delivery in April. What would be the MF, residual, etc?

  • @jackbauer said:

    That's correct... .00125 (3% equivalent)

    Moderator - Prices Paid, Lease Questions, SUVs

  • @flenhoff said: Hi all, in Chicago area, looking to lease a 428i convertible, $58,600 with all options included. 36 mos, 10K per year; we would take delivery in April. What would be the MF, residual, etc?

    .00125 MF and 63% residual

    kyfdx

    Moderator - Prices Paid, Lease Questions, SUVs

  • thanks; one dealer is providing these data: Retention Rate 0.00125 Reserve Rate 0.00040 Disclosed Rate 0.00165

    what's that mean?

  • also, here's their deal--good or no?

     Vehicle:    2014  BMW  4 SERIES  144* 2dr Cpe 428i      
    
    
    Vehicle Price:      $55,575.00   
    Market Savings: -   $1,000.00    
    Vehicle Selling Price:       $54,575.00  
    
    Sales Tax (estimate):   +   $4,519.06    
    Tag/Registration Fees (estimate):   +   $196.00  
    Documentation Fee:  +   $164.30  
    Electronic Filing:  +   $25.00   
    Balance Due (estimate):      $59,479.36      No Trade-In
    

    LEASE OPTIONS Cash Due 36 months 10,000 Miles $1,237 due at signing; $852 per month

  • @flenhoff said: thanks; one dealer is providing these data: Retention Rate 0.00125 Reserve Rate 0.00040 Disclosed Rate 0.00165

    what's that mean?

    The .00125 money factor is the base rate (aka buy rate). The .00040 is how much they marked up the rate for extra profit (the maximum allowed), resulting in the rate of .00165

    Moderator - Prices Paid, Lease Questions, SUVs

  • @flenhoff said: also, here's their deal--good or no?

    Vehicle: 2014 BMW 4 SERIES 144* 2dr Cpe 428i

    Vehicle Price: $55,575.00
    Market Savings: - $1,000.00
    Vehicle Selling Price: $54,575.00

    Sales Tax (estimate): + $4,519.06
    Tag/Registration Fees (estimate): + $196.00
    Documentation Fee: + $164.30
    Electronic Filing: + $25.00
    Balance Due (estimate): $59,479.36 No Trade-In LEASE OPTIONS Cash Due 36 months 10,000 Miles $1,237 due at signing; $852 per month

    I love BMWs, but I wouldn't pay $850/mo. for that vehicle..

    Moderator - Prices Paid, Lease Questions, SUVs

  • Thanks for the feedback. Yeah, that seems high to me too. Dealer dropped the MF down to .00145 (said he'd "meet me halfway"). Think (hope) I could get it down further. He's giving me a 4% discount off the MSRP of $55,575 (down to $53,352); gross cap cost is $58,832 (fees and taxes included); $797 payment, with first payment due at signing. Comments? Also, should I try to do this before the new year, or is it better to wait til spring? We've got our current car til April 1.

  • Another question: What about this MSD (multiple security deposit) concept? How does that work? And what is the return on investment--by locking up a few K for 3 years with BMW, how much am I saving, and would that money be better off invested somewhere?

  • Also, if I put down two MSDs ($1,600), that reduces the money factor by .00014 (from .00145 to .00131). If I do the math, that's an annual return of about 30%! Is my math right?

  • 1) If you have until April 1st, then the 4-series deals should only get better.. once they aren't the newest thing going, pricing should come down to earth.

    2) MSDs... you can make up to 7 of them... at .00007 each..

    3) I think 30% would probably be your total return over three years... annual return around 9%... Still.. anything that reduces your payment is an after-tax return... A guaranteed 9% after-tax is huge.. Cars that lease out with lower payments have bigger percentage returns, generally.. (because the MSD investment is smaller).

    Moderator - Prices Paid, Lease Questions, SUVs

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