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BMW 5-Series Lease Questions



  • berisky1berisky1 Posts: 20
    Donchar: We need more information...

    a- are you talking about a 550i? I don't think the exec package is available on the 535i.

    b- is this deal advertised by a dealer or by bmwusa?

    c- why do you want to put down a down payment?
  • berisky1berisky1 Posts: 20
    Sorry Donchar, I see now offer by BMWUSA... here is what I was offered in April for a $72,500 MSRP 550i in San Diego...

    Capital Reduction and tax $1,400.00
    License & Registration $572.00
    Bank Fee $725.00
    Documentation Fee $80.00
    Security Deposit $0.00
    First Payment $775.00
    Rebate - $1,250.00
    DRIVE OFF $2,300

    $775.00 x 35 months incl tax.
  • donchardonchar Posts: 22
    edited May 2013
    Thanks Berisky1. Good info. The offer was for a 550iGT

    Just trying to understand if advertised offers like the one on BMWUSA currently can be negotiated or modified for a better deal.

    Looks like your deal is better. Not sure if you started from an advertised lease offer or you just negotiated from scratch.

  • jddssc121jddssc121 Posts: 51
    Hi CarMan

    Can you share the lease rates/residuals for May for a 2013 528 xDrive for 15K miles? Also, any incentives (option credits, nav credits, etc?)

  • jasonmdbmwjasonmdbmw Posts: 117
    .00127 and 62%. Only incentive right now is $750 Loyalty Cash
  • jddssc121jddssc121 Posts: 51
    thank you!
  • insidecarbuyinsidecarbuy NYCPosts: 95
    edited May 2013
    Just did this deal for a customer. Premium pacakge, cold weather, navigation, park distance control, rearview camera and M sport package - MSRP $60,495 and selling price of $54,610. Its about $1,700 behind invoice. Too bad he did have Loyalty, would have been another $750 off...

    64% residual and .00127 money factor for 36 months / 12,000 miles.

    Wednesday, May 08, 2013 10:45:18 AM

    Customer Name: Inside Car Buying, LLC WD Deal ID: 98452
    Sale Vehicle: New 2013 BMW 5 SERIES 135B 4dr Sdn 528i xDrive w/AC , Automatic , Odom: 0

    Payment Details
    Term 36
    Base Payment 560.01
    Total Payment 560.01
    Purchase Option 38,716.80
    MSRP 60,495.00
    Est. Miles Per Year 12,000
    Disposition Fee 350.00
    Excess Mileage Charge 0.20

    Amount Due at Signing

    1st Month Payment 560.01
    Acquisition Fee 725.00
    Fees & Insurance 197.50
    Upfront Taxes 1,755.40
    Total Inception Fees 3,237.91

    Total Cash Required on Delivery 3,237.91

    Tax Information
    Customer State: New York Customer County: WESTCHESTER
    Type Amount Rate Paid
    Cashdown Tax 67.00 8.3750 Upfront
    Upfront Tax 1,688.40 8.3750 Upfront

    Fee Information
    Description Amount Paid
    Reg 100.00 Upfront
    Insp 10.00 Upfront
    Title 12.50 Upfront
    DocFee 75.00 Upfront
  • ged3584ged3584 Posts: 27
    It is a great deal.
    I tried to get one similar in San Francisco Bayarea, CA.
    The "internet manager" are much less forthcoming. They never give me a complete disclosure like the one you provided above.

    It is too bad you are in Newyork, otherwise, I would lease one from you.
  • insidecarbuyinsidecarbuy NYCPosts: 95
    You have at least 10 BMW dealers within a 50 mile radius of you. This makes it very competitive for dealers. Shop harder, you'll get it!
  • What kind of deal's do you have for the 550i M package? really need one in my life.
  • jjskywlkerjjskywlker Posts: 3
    edited May 2013
    Out of curiousity, how did you negotiate the 64% residual value? I frequent Ride With G's forum, and the May lease rates on 2013 528xi appears to be 62%. This represents a difference of about $35 per month payment. Edit: Nevermind, I see that his values are based on 15k miles, 12k adds 2%, coming up to 64.

    I am looking into the possibility of leasing a 2013 5 series in Virginia, all in the $58-63k range, and would love to get a comparable deal of less than $600 with less than $4k out of pocket with no cap cost reduction nonsense.

    What do you think the absolute floor selling price/invoice on this thing might be? $57-$58k, or higher? Fairfax-VA/WBAXH5C55DD110520/1000204947/
  • sjeedsjeed Posts: 41
    MSRP: 64,975
    Sell: 60,810
    Miles: 10K
    RV: 63%
    MF: .00127

    I think these deal numbers look great! What say the group?
  • Current lease offer on for '13 535i: x?NAModelCode=135C&OfferType=2&regiontypeid=2

    MSRP: $55,825
    $750 buyer loyalty cash
    $3,000 down (cap reduction, correct?)
    Net cap cost: $52,075

    Purchase Option Price: $35,170

    36 month, 10k miles/year
    Lease payment $539/month (less taxes, I assume)

    Q1: Do you consider the "Purchase Option" price to be the residual, which would here would be 63% of MSRP? That seems about right, though 10k/year leases here seem to have a 64% RV.

    Q2: By my math, to get to a monthly payment of $539 the money factor would have to be below 0.0008. Most recent posts here show 0.00127 to be about as low as can be found. So what gives?

    I'm trying to do the math on the the offer -- any clarification would be appreciated!

    I am planning to lease a 535i with M and technology packages in San Diego. If anyone has dealer gouge for SD, I'm all ears.
  • kyfdxkyfdx Posts: 27,666
    That "net cap cost" is from you, not the advertisement, right?

    The advertisements usually factor in an undisclosed dealer discount, which isn't accounted for.. you wouldn't pay MSRP, would you?

    Prices Paid, Lease Questions, SUVs

  • The net cap cost is what I assume the cap cost is based on the MSRP, loyalty incentive and $3,000 down.

    The undisclosed dealer discount is the piece I was missing, which I assume is simply more cash off the net cap cost, or is it a reduction in the money factor, or both? I just want to understand how the $539 payment is computed based on the other given numbers.

    And no, I'd certainly never pay MSRP, and never have. This was all purely a math exercise to be sure I understood how BMW computes a lease and where they are changing the numbers to arrive at a specific payment.

    If I knew from this advertised deal that they were willing to go to 0.0008 on the money factor (half of what the salesman quoted me today), I'd use that in my bargaining. If I knew they were willing to knock a few thousand off the cap cost, I'd use that, too.
  • kyfdxkyfdx Posts: 27,666
    The dealer discount would result in a lower cap cost.. Adjust that variable until you see the listed payment, and you'll likely discover the imputed discount amount. The MF can't go lower than the base rate, but they can certainly mark it up.

    Prices Paid, Lease Questions, SUVs

  • insidecarbuyinsidecarbuy NYCPosts: 95
    Between 9 and 10% off MSRP plus any current incentives. Also, watch out for those high dealer doc/conveyance fees.
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Very aggressive pricing on the 550i M packages lately. Many leasing in the high $600's with MSRP around $70,000.
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Your about $300 over invoice. You should be able to get another $1,800 to $2,000 off.
  • jdg3158jdg3158 Posts: 2
    edited May 2013
    Insidecarbuy - i have a 535 M sport and trading it in and was offered 900 with absolutely nothing out of pocket on a 550 - 72K car. What should i expect to pay with nothing out of pocket.

    Deal is roughly
    72K car
    10K miles
    36 months
    899 per month
    $0 cash at delivery
This discussion has been closed.