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BMW 5-Series Lease Questions



  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hello lansa. BMW Financial Services' new buy rate lease money factor for a lease of a 2007 BMW 525i is .00160 for leases up to 42 months. I am not familiar with the tax credit promotion that you mentioned. Perhaps it is only available in certain areas.

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  • be02939be02939 Posts: 14
    Thanks a lot, Carman. By the way, do you know if the 550's MF is the same as the 530's?
  • lansalansa Posts: 7
    Yes, .00160 is what I've heard.....what is the new lease modofication you mentioned for a 5 series?
  • fluid15fluid15 Posts: 60
    I just emailed a local Dealer inquiring about recent 5-series leases and he responded with a 0.0022 MF and 63% residual. I asked specifically for a 24mo term but the 63% leads me to believe this may be for 36mo.
  • erfanerfan Posts: 12
    Car man,
    Are these .0016 MF incentive still running for August and do you know how long it is supposed to last.
  • rajivrrajivr Posts: 2
    Hi Car Man,

    I am planning to lease a 2007 bmw 530i with automatic,premium, and navigation with an MSRP of 53,070. Invoice is $49,065 and I am anticipating a purchase price of 50,065-50,265 (based on my discussion with a few dealers). On this purchase price what would I expect to pay on a 3 year/36,000 mile lease only putting a drive off (no cap reduction) down based on the most current residual and money factor?


  • lawman10lawman10 Posts: 15
    Carman I was wondering if you can help me out on this lease dilema that I am facing. My lease on 2003 530i is over in September. I have one payment left and I am over my miles by 3000.

    I found a 2007 525 that I like its black with auburn seats which makes me want the car. The car only options on the car is the premium package, xenon lights, and satelite radio.

    After negotiating with the dealer and really trying to get the car for the rock bottom price they are offering it to me for $642 including tax for 24 months 12K miles a year with $2000 due at signing plus first month security. The $2000 includes my first payment. He is holding the car for me until Wednesday. I am just trying to determine it this is a good deal. Can you please help. I need all the help I can get on this one. Thanks everyone. I am open to any suggestions on what people have.
  • After much research, I finally signed on the dotted line and took deliery of my new 530.

    530i - Black on Black
    MSRP: 54,070
    Cap Cost: 52,494 (with fees rolled in, including $825 acquisition fee and $499 dealer fee; price of car without such fees is 51,170)
    Invoice - 49,975 without MACO fee or $50,375 with $400 MACO
    36 month lease
    12,000 mile
    MF - .00146 with two additional security deposits
    Residual - 62%

    $698 per month.

    I know they marked up the acquistion fee and the dealer fee is bs but I thought it was a fair deal. Even taking into account the extraneous fees ($200 markup on acquisition and $500 dealer fee), the cost of the car was 51,870.

    A lot of people talk about $1000 over invoice but don't take into account other fees, acquisition, MACO, dealer, etc. My deal was $1500 over invoice. Not great but fair.

    Lastly, I had a tough time finding a dealer willing to give me the car at the buy rate in south florida. This is the only dealer I found willing to do that deal.

    Hope this helps others negotiating their deals.
  • Am trying to lease 530xi. The dealers are taking me on a ride by quoting different things different days.

    Did anyone lease a 530xi recently?
    Can you please let me know what the numbers look like?

    Thanks much
  • Dear Friends,

    MSRP: 54,200
    Am looking for 36mo/15k miles per year.

    What should be the first month payment?
    What is the monthly lease that I can sign up for?
    Did anyone lease one recently?

    Please advise...

  • lawman10lawman10 Posts: 15
    How much did you put down and which dealer in south florida. I went to one dealer in lauderdale they want $642 for 24month on a 525 car with prem pkge xenon lights and satelite tax included with $2600 total due at signing which includes $600 security. Your deal sounds so much better although I dont know how much you put down.

  • Lawman10,

    Money out of pocket was as follows:

    1. $2100 Security Deposit - One required deposit plus two additional deposits.
    2. First Month Payment of $698
    3. Tag - $150
    4. Other Misc. expenses - approximately $100

    I did not pay make any payment to reduce my cap cost. In fact, I rolled the acquisition fee and the dealer fee into the cap cost. If I would have paid these fees up front, I would have paid $657 per month and saved $152 over the term of the lease.

    I think I got a good/fair deal. I think south Florida is a fairly tough market to get a great deal in. It seems that all the dealers move a ton of cars and they are not too willing to negotiate.

    I got my car from Lauderdale BMW on South Federal Highway. I would be glad to give you more info and let you know who I dealt with there. You can email at

    By the way, I can't tell how good or bad a deal you are getting without an understanding of the invoice price, MSRP and other fees.
  • jobiejobie Posts: 47
    I'm considering leasing the same model and set-up - just wondering what your thoughts are on the SP vs. non-SP. I'm in upstate NY so I install 4 snows each winter, but am still concerned that tires will wear out too quickly, be noisy and be susceptible to damage,etc. Can you comment on the drive comparison, etc.? I don't care for the non-SP wheels at all - the SP wheels look great IMO. I turned in a non-SP 2002 530i without the SP and always wondered what I was missing. Thanks
  • SP vs. non-SP is a very personal choice.

    Personally, I not only like the look of the SP but the ride of the SP, tight and sporty. If I lived in an area with lots of pot holes and rough roads maybe I wouldn't have ordered the SP but in south florida I am fine.

    Not to mention the comfort seats that come with the SP are fantastic. Even if you don't order the SP get the comfort seats. I always thought the extra money for the seats was a waste but now that I have them I couldn't imagine being without.

    I am concerned about tires wearing out too quickly and becoming noisy. They aren't cheap. However, I haven't had the car long enough to provide you any guidance on this point. Given that I don't drive too aggresively and I probably will only drive 10,000 miles per year, I figure worse case scenario over a 3 year lease I will buy two sets of tires.
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    You're very welcome, be02939. BMW actually recently enhanced its lease program for the 2007 5-Series. Its buy rate lease money factors for the 2007 550i and 530i for leases up to 42 months are now .00195 and .00160, respectively.

    Prices Paid Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi erfan. Yes, the money factor that you mentioned is still available in August. I believe that BMW FS' current lease program is scheduled to run through 8/31.

    Prices Paid Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hey rajivr. Let's run some numbers and see what sort of a payment we come up with for this car. According to my calculations, if you were to lease a 2007 BMW 530i with an MSRP of $53,070 and a selling price of $49,065 through BMW Financial Services right now for 36 months with 12,000 miles per, your zero down, pre-tax monthly payment should be around $581.

    Prices Paid Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi lawman10. The best way to tell if you are getting a good deal on this car is to look at its selling price. The selling prices of leased vehicles are negotiable, just as if you were paying cash for or financing them. I would be happy to share my thoughts on this deal with you if you provide me with this car's MSRP and selling price. These numbers will show me how much of a discount you are being given on it and they will enable me to estimate what its lease payment should be.

    Prices Paid Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Congratulations on your new car, flatout18 (it's a nice one). thanks for taking the time to share the details of your deal with everyone. Real world examples like this are always helpful to other people who are in the market. Enjoy your new ride!

    Prices Paid Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi rmudumbai. This car's monthly payment will depend upon what its MSRP and selling price are. I would be happy to calculate what this car's payment should be for you if you provide me with these numbers. You can find the MSRP of the car that you want by visiting the following section of this site: - New Vehicle Pricing. You should be able to get an idea of how much you will have to pay for this car right now by visiting the following discussion: "BMW 5-Series: Prices Paid & Buying Experience". Let me know and I'll crunch some numbers for you.

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  • Additional deposits were delivered to reduce the money factor from .0016 to .00146.

    Each additional security deposit (up to 7 additional deposits) reduces the money factor by .00007. Therefore, you could reduce your MF by .00049. If you do not mind tying up four to five thousand dollars, it is the best deal going. Work through the numbers and you will see the savings. Paying down your cap cost makes no sense. You are better off buying down your MF with additional security deposits. You get the money back at the end.
  • Hi Carman

    the lease rate for 2007 550i 0.00195
    does this rate apply only to previous BMW owner ?
    is this rate with zero drive off ?

  • tdbrphtdbrph Posts: 30
    car man where can I find BMW residual and MF information on 12k leases I have values for 15k leases but I am wondering what the differences are

  • kyfdxkyfdx Posts: 48,737
    Almost without exception, the residual for a 15K BMW lease will be 2% lower than the 12K number..


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  • tdbrphtdbrph Posts: 30
    thanks for the input
  • fm1fm1 Posts: 20
    I am considering to lease 07 530i with following options:
    Pre pkg/SP/Auto/PDC/logic7
    MSRP= 55970
    Discount 3000 -
    Sale price 52970
    Tax(6.25%) 3310.62
    Dealer inventory tax(.002364) 133.04
    Title 54.75
    License transfer 70.80
    Document fee 50.00
    Total 56534.46
    MF = .002 (The dealer is not giving me .0016)
    After 7 security dep., MF = .00151
    Lease terms are: 36mon/10000miles/63%residual/3500 down
    Note out of pocket cash is security deps + 3500
    Please look at the charges and tell me if dealer is charging
    me any out of the norm. I would appreciate if someone can help calculate the payments? Thanks.

  • Am looking at a 36 month/15k per year lease on a 2007 550i. Cold weather, Logic 7, Sirius, Automatic. MSRP $61740. Cap cost $57700. The dealer is telling me the resid is 59% (I thought it was 60%) and that they just modified the additional security deposit rules to allow only 5 additional deposits instead of 7. True? Anyway, they are showing me a monthly payment of $754+tax with no cap cost reduction. First month, security deposit + 5 additional security deposits, $650 acquisition fee, $289 dealer docs, $145 registration due at signing. Thoughts? Thanks for your help - great forum!
  • You are being ripped off. Go to a different dealer.
    They should give you .0016 and you should get the car for 1K more than invoice.

    You should not put any down and payment should not be more than 780 for 15K miles/36 months
  • kyfdxkyfdx Posts: 48,737
    The residual amount is 59%... Maybe you were thinking of the 530i, which has a 60% residual..

    that is a pretty nice discount on an '07...

    I wonder if these guys are familiar with the MSD program.. Unless something has just changed, the 5 MSD program was the new program about 3 years ago... The 7 MSD program was just put into place this past winter.. You should ask what reduction they are calculating for each MSD... Under the current program, you get a .00007 reduction for each MSD.. The old 5 MSD program only gave you a .00005 reduction for each MSD..

    Calculating your lease, with 5 MSDs at .00007 for each one, I get a payment around $742/mo.+tax.. It looks to me like they may be using the old program..

    Unless something has just changed... I think it is more likely that they are behind the curve..



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