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BMW 5-Series Lease Questions



  • hpowdershpowders Posts: 4,296
    Yeah, but try and get the $625.
    In Florida, I couldn't find any dealer, and I checked with many, who wasn't padding the AF by $200.

    I got a very good lease deal on my 545 with a MF of only 0.0010 but my AF was $825.
    Couldn't get it down.
    Nevertheless, I am happy with my deal as my monthly payment is about the same as a 2006 530i for much more car.

    You haven't really lived until you experience a BMW 8.
  • jamiewjamiew Posts: 11
    I've been told that BMW lease rates would change on January 4; any idea what they will be for a 550i? I've been thinking of leasing a 550i from an SF Bay Area dealer, but am reluctant to do so until the lease rate improves...
  • vsaxenavsaxena Posts: 202
    Do the folks here have the January program lease numbers?
  • ca_manca_man Posts: 23
    My dealer says the rates for December will be continued until January 31st.

    Also, I would not expect a promotional rate for the 550i so early in the model year. Last year, there was a fire sale on the MF for the 545i due to the outgoing model ...
  • ca_manca_man Posts: 23
    Here is the story :

    If you had paid the security deposit, that would have reduced the MF of .0016 by .00015.

    You are able to pay a maximum of 5 security deposits, each of which will reduce the MF by .00005, which means the total possible reduction is 0.0025.

    This will make a significant difference in your payment.

    I know of only one dealer here in Northern CA who will even readily admit to the above. But, even my dealer will not back down on the Bank Rate :-)

    The best thing in your case would have been to custom order a car. That way you get exactly what you want. There is a small wait, but a reasonable one.

    As for the best lease deal, with leasing there are so many variables, it is difficult to pinpoint the best lease deal as such ….
  • jamiewjamiew Posts: 11
    Yes, I was told essentially the same thing after calling around a bit: 550i remains .00300 (7.2%) whereas the 530i is a much lower .00180 (4.32%). Unless my math is fuzzy, this translates to a premium in the hundreds of dollars per month for the 550i, which I'm not sure I'm willing to swallow. The MB E500 is much more competitively priced, and even the outgoing S500 ends up being cheaper when you load the 550i with ventilated seats, sport, comfort access, etc... It's not an apples-to-apples comparison, but I can't helping feeling like I'm getting screwed by BMW's lease games...
  • hpowdershpowders Posts: 4,296
    I took advantage of the BMWFS 2005 545 lease offer last summer.
    My mf is only 0.0010 (2.4%).

    I knew they would charge an arm and a leg for the 550.

    I am paying around $300 less per month compared to a comparable 550.

    I don't know about you, but I can always find some use for that savings of $10,800.
  • jamiewjamiew Posts: 11
    Hmm, yes. More I think about it, more I am inclined to wait on my lease. My current Z4 lease ends in March, and while I had been inclined to move directly into a new 550, I'm now thinking I should extend my Z4 lease by a month or two and hold out for a lower rate on the 550. There's no sense throwing away money for the next 36 months because I was too impatient to wait a month or two.

    I did notice some better December MF quotes earlier in this thread, though, which also suggests that my dealer is tacking onto the lease rate... should probably talk to them about that...
  • benny5benny5 Posts: 13
    We've been quoted by several So. Cal. dealers for a 24 month, 10k a year, $399 plus tax, and $5k total drives on the 530 wagon. I can't find this deal on the BMW Usa site. Looks strong but is it for real? Here's one quote:

    New 2006 BMW 530xi Sport Wagon
    Alpine White
    Beige Leather
    All-Wheel Drive
    Xenon lights
    Cold-Weather Package with heated front seats
    Premium Package
    Rear Sunshades
    Parking Distance Control
    Satellite Radio

    With $5000 TOTAL DRIVE-OFF, your monthly payments are $399 + tax per month for a 2 year lease at 10000 miles per year o.a.c.
  • Maybe this is a really stupid question, but why are you shelling out ($800+) for the cold weather package if you live in Southern California? :confuse: Do you plan to move somewhere cold?
  • Does anyone know the exact difference between residuals and money factors on 24month vs. 36month 525i. I ordered one which is due in any day and I am thinking of switching lease to 24 months as it appears it is much ($50 month) cheaper. This is a NY lease. Thoughts?
  • lausylausy Posts: 14
    Can someone please tell me when leasing a vehicle in the state of Maryland, do you pay sales tax on the full purchase price of vehicle or just based on lease amount (purchase price minus residual)?
  • can you lock in a lease rate, ordered a 530 build date in february here in march, can i lock in January's rate through bmwfs. thanks
  • drtraveldrtravel Posts: 395
    For the 525i the MF is 0.00160 for both 2 and 3 year leases.

    The residuals are as follows:

    24 mo/10K miles - 77%
    24 mo/12K miles - 76%
    24 mo/15K miles - 74%

    36 mo/10K miles - 63%
    36 mo/12K miles - 62%
    36 mo/15K miles - 60%

    In December BMW increased their two year residuals (artificially high numbers) so that the 24 month payments are about equal to their 36 month payments - obviously they are subsidizing the 24 month lease big time and absorbing a big hit at lease end - their loss, your gain. BMW has continued their residuals through January.
  • drtraveldrtravel Posts: 395
    Base January money factors are:

    525 - 0.00160
    530 - 0.00140
    550 - 0.00260

    These have been the money factors for awhile now. Looks like your dealer is charging even more = extra dealer profit.
  • I am currently leasing a BMW through BMWFS. I am buying a new car and intend to lease through same. Does anyone know whether BMWFS will waive the $625.00 acquisition fee?

    Thanks in advance.
  • Hi Car_man

    Can you confirm that BMW money factors are favorable through January because there is nothing listed on leases for them at the website right now? And what models of BMW are being lease subsidized right now?

  • eights38eights38 Posts: 137
    I believe that BMW will only waive the security deposit on your new BMW and the disposition fee if you are turning in your current BMW.
  • eights38eights38 Posts: 137
    Yes, you can lock in January's rates through BMWFS for up to 60 days. If the rates improve, you are entitled to the better rates.
  • sfoxcasfoxca Posts: 3
    Hi. I'm about to lease a new 325i and was given a money factor of .00305. Given that my credit rating is at the highest level, this didn't seem to be a deal at all. I'm in Washington, DC and the dealer is in Maryland.
  • piczkapiczka Posts: 2
    Car man,
    Just received a quote for 24 month, 24K 2006 530i steptronic, cold, premium. MSRP 51,020 selling 48,725. inception fee [includes first month payment] 858.43 assignment fee 625. Residual 72% MF 0.001550.
    What do you think? Seems fair to me. monthly payment $618.15 + 6% tax= $655.23 per month.

  • tvlcnxtvlcnx Posts: 1
    Greetings from South Carolina!! Long story but my husband left me for another woman and I need a car as the lease is up on "our" Mercedes CLK500. I would really appreciate any help with my first time lease. Please see below the car I'm interested in and quote from local dealer:

    2006 Black BMW 525i, Sport Package w/Beige Leather,Steptronic Transmission - $49,865.00 @ 24 months, 15000 miles, and $3000.00 down. Quote $625.00 per month but really need a lower payment. Your thoughts are greatly appreciated!!!!!
  • I am wondering if there is a website to find out the current BMW lease numbers (money factor and residual in particular).

  • kobiokobio Posts: 2
    In Southern California we have the Sierra Nevadas and of course there's always after surfing. It's sooo nice to heat your bum after a nice refreshing surf in the morning!
  • hpowdershpowders Posts: 4,296
    can sit there totally relaxed as you watch the latest brushfire or mudslide in serene comfort.

    That place is sooo not where I would want to be.
  • tayl0rdtayl0rd Posts: 1,926
    Hey, tvlcnx, head on over to the Luxury Performance Sedans board and you will get a ton of info and alternatives that will suit your payment needs. Right off the top of my head, you could actually purchase Chrysler 300C SRT8 for the same money you'd be sinking into that 525i. Leasing it would probably cut a good $200 dollars from that payment. Not to mention, you could blow the doors off your (soon to be) ex-husband and his mistress when you see them on the road. ;)

    Anyway, sorry about your situation. But keep your head up! I've been through the reverse situation and I can tell you that life gets better when they're gone. :)
  • But just think--you can outrace those nasty brushfires and mudslides in your 5er... :P
  • kobiokobio Posts: 2
    That's right, and don't forget xdrive will help...and of course BMW assist always comes in handy for such natural disaster annoyances. I don't know how I ever managed here in So Cal without these saviors!
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