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12I am looking at a 325i, but only after I sell my 2003 Tahoe through private party. I did consider trading it in through the dealership, but I know they will try to nickel and dime me. I set up a little Excel worksheet to help me in the lease calculations.

Originally the salesperson offered a money factor of 0.00265...but after reading this forum, I knew to ask for 0.0025

The salesman offered a money factor of 0.00265 if I choose not to pay the security deposit of approx. $500. A lower money factor of 0.0025 is offered if I pay the security deposit.

After playing with the numbers, my spreadsheet is telling me that the lower higher interest and no security deposit means the lower monthly payment.

The salesperson is also trying to pass off an $825 bank fee, but after reading this forum I know to ask for $625. He is also passing off document fees and tire tax, which I will also ask to be removed.

I am just basically looking right now for the best configuration, but I wanted to post how thankful I am to have found this forum!

Charles

950The salesman offered a money factor of 0.00265 if I choose not to pay the security deposit of approx. $500. A lower money factor of 0.0025 is offered if I pay the security deposit.Just a note here... You

dostill pay the security deposit (which, btw, you get back at the end of the lease), but it is rolled into your cap cost at a charge of a .00015 MF increase. My point is that it doesn't just "disappear"....He is also passing off document fees and tire tax, which I will also ask to be removed.What state are you in? "Tire tax" is actually a legitimate state tax in some states. (FWIW, I'd think if a dealer claims it is a "tax" then it's a government thing and isn't just an additional fee.) I know, for instance, that PA, NJ, and OH have tire taxes....

Everyonehas to pay them, unfortunately. It seems like a bogus way for the state to collect more revenue.... Leave it up to our politicians! :P48,846What did you miss in your calculations? You get the $500

at the end of the lease...backregards,

kyfdx

Host-Prices Paid ForumsMODERATORPrices Paid, Lease Questions, SUVs

70I bought it from Santa Monica BMW.

70Once again, I cannot thank you and the rest of the forum for all of your help. I really appreciate it. The car buying experience is extremely tricky (and expensive) without people like you to clarify things for us.

You are indeed right, my pretax monthly is $422, if I did not capitalize the acquisition fee and add tax. With tax and acquisition fee rolled into my monthly, it works out to $471 (DAMN THATS ALOT OF MONEY!) im just a student tryin to get by! haha.

By the way, is the residual values negotiable. I got 15k miles / year on the 06 325i with a residual of 61% (could we have negotiated 62%??)... anyway I really appreciate your help.

Thanks,

Ajay

PS for the other poster who asked where i got the deal, I got it in Santa Monica BMW in California.

12I think it sounds better to pay the security deposit upfront and take the lower MF.

The tire tax was something I thought could be just waived off in a tight deal, but I guess its something I will have to pay as well.

Just so I am clear, I can choosed whether or not to pay off or roll into the cap cost the Acquisition Fee, DMV Fee and/or Security Deposit, correct? Thanks,

Charles

1I haven't made my final deal, but can you tell me what you think about my options just based on MSRP? This is the deal I can get if I want to pay MSRP (which I won't, of course):

Lease: MSRP $34415, 10K down, 3 yr @ 30K mi/yr, $350/mo, $14200 residual

I have no idea yeat about money factors, etc. or what any of that really means.

Purch: MSRP $34415, 10K down, 5yrs, about $490/mo (@ 5.25%).

Thank you,

R3L

I will put right at 30K mi/yr on the car. I can't see how the lease is a bad deal, but I know very little about leases. What do you think?

12612I have a question. I recently checked my credit score and noticed a negative account that is not mine. I am currently fighting with the 3 credit bureaus and the collection agency to get it off my record. Because of this, my estimated FICO score is now in the low to mid 600's.

What does this do to the lease? How much of an increase will this do to the money factor? Thanks,

Charles

950BMW's lease program is not tiered... What that means is that it is "pass/fail". You are either approved or not, and there is no increased rate for different levels of credit. You

couldsee if you could get approved in your current situation.... Regardless, I would work to resolve your issue, whether you buy a car now or later.1Titanium Silver exterior

Black Leatherette

Sport package

Navigation system

The MSRP is 36945 and my dealer is giving it to me for 35K

The MF he is using for my lease is 0.0025 with 625 acquisition fee.

From what I've read so far on this forum, this is a sweet deal. its about 1K more than the invoice and everything else seems to be set by BMW.

However, starting November 1st, I noticed that the lease on the "basic" 325i has gone down from $407 to $398 (see the BMW website). Does anyone know the new terms (like MF). I believe that you can always get lower rates if the MF reduced. Any idea if dealers do this easily?

48,846regards,

kyfdx

Host-Prices Paid ForumsMODERATORPrices Paid, Lease Questions, SUVs

12Do you guys know the following under these two different scenarios? Thanks,

1) Money factor

2) Residual

325i

24 month lease/15,000 miles

325i

36 month lease/15,000 miles

1This is what I want:

Jet Black

4-door sedan

standard features

36mo/12,000 miles

$0 down

What type of residual, money factor, etc. should I look for? Thanks!!!

502006 MODELS

Add 2% to Residual Value for 12k mi/yr and 3% for 10k mi/yr on all terms

325Cic Conv

24 mo/15k mi – 70% Residual Value – Money Factor .00260 Base Rate

36 mo/15k mi – 60% Residual Value – Money Factor .00260 Base Rate

48 mo/15k mi – 48% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 39% Residual Value – Money Factor .00285 Base Rate

325Ci Coupe

24 mo/15k mi – 64% Residual Value – Money Factor .00150 Base Rate

36 mo/15k mi – 57% Residual Value – Money Factor .00150 Base Rate

48 mo/15k mi – 43% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 35% Residual Value – Money Factor .00285 Base Rate

325i Sedan

24 mo/15k mi – 71% Residual Value – Money Factor .00250 Base Rate

36 mo/15k mi – 62% Residual Value – Money Factor .00250 Base Rate

48 mo/15k mi – 45% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 37% Residual Value – Money Factor .00285 Base Rate

325xi Sedan

24 mo/15k mi – 70% Residual Value – Money Factor .00250 Base Rate

36 mo/15k mi – 61% Residual Value – Money Factor .00250 Base Rate

48 mo/15k mi – 45% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 37% Residual Value – Money Factor .00285 Base Rate

325xiT Wagon

24 mo/15k mi – 70% Residual Value – Money Factor .00200 Base Rate

36 mo/15k mi – 60% Residual Value – Money Factor .00200 Base Rate

48 mo/15k mi – 43% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 36% Residual Value – Money Factor .00285 Base Rate

330Cic Convertible

24 mo/15k mi – 69% Residual Value – Money Factor .00260 Base Rate

36 mo/15k mi – 61% Residual Value – Money Factor .00260 Base Rate

48 mo/15k mi – 47% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 39% Residual Value – Money Factor .00285 Base Rate

M3 Convertible

24 mo/15k mi – 66% Residual Value – Money Factor .00285 Base Rate

36 mo/15k mi – 58% Residual Value – Money Factor .00285 Base Rate

48 mo/15k mi – 48% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 41% Residual Value – Money Factor .00285 Base Rate

330Ci Coupe

24 mo/15k mi – 67% Residual Value – Money Factor .00150 Base Rate

36 mo/15k mi – 57% Residual Value – Money Factor .00150 Base Rate

48 mo/15k mi – 42% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 34% Residual Value – Money Factor .00285 Base Rate

M3 Coupe

24 mo/15k mi – 70% Residual Value – Money Factor .00285 Base Rate

36 mo/15k mi – 61% Residual Value – Money Factor .00285 Base Rate

48 mo/15k mi – 51% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 42% Residual Value – Money Factor .00285 Base Rate

330i Sedan

24 mo/15k mi – 69% Residual Value – Money Factor .00195 Base Rate

36 mo/15k mi – 62% Residual Value – Money Factor .00195 Base Rate

48 mo/15k mi – 45% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 36% Residual Value – Money Factor .00285 Base Rate

330xi Sedan

24 mo/15k mi – 69% Residual Value – Money Factor .00225 Base Rate

36 mo/15k mi – 61% Residual Value – Money Factor .00225 Base Rate

48 mo/15k mi – 45% Residual Value – Money Factor .00285 Base Rate

60 mo/15k mi – 37% Residual Value – Money Factor .00285 Base Rate

522006 330xi

SG

Terra Int

Alum Trim

Automatic Tran

Prem Pack

Cold Weather

Comfort Access

MSRP $45,395

Initial Cap Cost $43,295

3 years/45K

LRF .0024 (buy rate was .0022, dealer wanted .00265, split diff)

$0 down monthly payment $647.36

20238,515Car_manHost

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38,515Since you mentioned that you do not know what the terms lease money factor, residual value, etc... mean you definitely should do some research prior to leasing a new vehicle. the less you understand the leasing process, the more likely it is that you will be taken advantage of. You definitely should check out the following informative articles that are available here at Edmunds.com prior to visiting any dealers: 10 Steps to Leasing a New Car and Calculate Your Own Lease Payment.

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38,515Take a look at my previous post to get an idea of what this car's lease program is like right now. In addition to getting the dealer that you are working with to use this lease program to calculate your car's lease payment, you need to make sure that you negotiate an attractive selling price. Always remember that the selling prices of leased vehicles are negotiable, just as if you were paying cash for or financing them. You should be able to get an idea of what a good price is for the car that you are interested in right now by visiting the following discussion: "BMW 3-Series: Prices Paid & Buying Experience".

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16I have recently started looking into leasing a 325i sedan. I am aware that the sale price is negotiable, but I would like to know if the money factor is negotiable or is it something that is set by BMW? Also, are there any other elements of the lease that are negotiable?

Thanks,

Vish

10I'd like your opinion on this offer:

325xi 2006, MSRP $39,020, selling price $37,695, 36 month lease 18K miles per year $617. Don't have the MF factors or residual numbers. Seems high compared to other numbers thrown around in various posts, but I think it may be due to the 18K miles. What do you think? What should the MF and residual numbers be? Thanks.