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BMW 5-Series Lease Questions



  • macdadmacdad Posts: 65
    what is the value of each multiple security deposit and can they be added on top of a current customer MF discount for another lease.

  • Thanks Car_man for getting back to me.

    The msrp is 58,075 and the selling price is 54800. 775 destination charge. 2008 535xi sports package, premium package, navigation, and ipod. 10,000 mi / 36 mos.
  • I am looking for a 550i manual 36 month lease. I am not the kind that will fight tooth and nail with a dealer, but I wanted to have a sense of a fair price before going into this. I was quoted $998 / month, $3k at signing (or $967. $4k at signing), but that seems a little high. Can someone provide info, money factor, residual, cap cost.

    The figures above include taxes and I am in CA.

  • Sorry, also would looking at a 10k/yr lease.
  • camilcamil Posts: 2
    Thanks Car man. What money factor are you using? I can back into residual.
  • I'm looking at a 2008 535i with MSRP at $59,270. I want to lease for 36 months @ 15K miles/year. I'm not a returning leasee, so can someone tell me what the current BMW Financial Services money factor is (assuming excellent credit). I'm also assuming 60% residual, but please correct me if I'm wrong.

  • Hi there. I just worked out what I thought was the best rate on a 2008 535i - as follows:

    15k miles, 36 month lease, 60% resdiual, 225 or 240 money factor with or without security deposit.

    Hope this helps...
  • Help....someone....please...

    Hi townhall,

    I'm a 24 year old daughter trying to help my dad. Because he's old and a lil incompetent, I have to help him... because he's a really nice guy and often doesn't know what he's doing, and he gets ripped off and taken advantage of alot.

    Anyways, him and his business partner want to each lease a 2008 BMW 528xi. My dad's business partner knows what he's doing better than my father, but i feel like he too is gettting ripped off. If they were smart, they would have gotten a hell of a good deal because they are leasing TWO cars through thier corporation...but alas....the bmw dealer got the best of them, in my opinion

    The car that he is trying to push onto my dad, a BMW 528xi, with navigation, satellite radio, cold-weather, ipod integration, and premium package is not even the car that my dad wants, it has a bunch of extras in it. And still they won't budge on any numbers. Anyways, for this car, the bmw dealer told my dad that he was giving him a really good deal by giving him 1,300 off of the MSRP ($53, 220) and giving him a lease of 895.06 a month. My dad also has to give a security deposit and 900$ up front. He saidthe selling price is $51,920 and that the residual value is $31,932.00 This whole thing sounds like utter hogwash to me from what I have been reading here.

    For a 36 month lease, 15,000 miles, 0 down payment, on a bmw 528xi...that is waaay too much....right?

    I admit that i'm way in over my head here, and, i'm really confused by everything but i'm trying to figure it out by reading everyone's posts. So that's why i'm sincerely asking for help.

    Can someone tell me what the invoice price, the selling price, the msrp, the money factor, the lease payments shoud be? And can someone explain to me what these things mean, and how to go about this?

    Thank you all very much. I really really really appreciate your help

  • hi
    is the car still available?
    let me know.

    davidjbyun @ hotmail . com
  • Trust your intuition on this one! The lease payment is high, but it might be based on a bogus MF. What MF (money factor) was quoted?
  • Can someone please help verify I am computing a 535i lease correctly.

    If the MSRP is $55200 and sales price is $54500, 36 month residual is 60% (15k mile lease) and money factor is 0.00225

    With NO cap cost reduction:

    without sales tax, I get $791/month. with my 7% tax, it is $846.

    I assume my out of pocket would be first month+security. so about $1746 or so.

    Is that correct? it is crazy high to me. Any better deal out there? how to decrease the money factor?

    The 5-series market seems tight, can I push for a better sales price?

  • macdadmacdad Posts: 65
    your addition is correct but you left out the acquisition fee of around 700 + some tax and tag fees at start-up. Your security deposit is rounded up to the nearest $50.

    BMW lets you purchase a reduced money factor by paying multiple security deposits up front. Each reduction is .00007 off with up to seven available. if you paid seven your new MF would be .00176 and would cost 5600 and give you a new payment with tax of 799.51. You will get the money back at lease end but it will take a couple of months and according to the finance guy it can not be rolled into a new lease. Is the upfront money worth th ~50/mo. savings?

    If possible, you could do a 12k lease and get a better Residual unless you need the mileage.

  • thanks macdad.

    Ok, acq fee AND first month AND security deposit. Geez. Acq fee is a crock.

    will consider the multiple security deposits,but would have to compare the return if I did something else with that money.

    I used 15k lease to be sure I was calculating it correctly, I would actually most likely use a 10k lease which adds 3% to the residual.

    thanks again.
  • rsterrster Posts: 2
    Hey topspin,
    I knew it was a pretty good deal, i shopped all over the place, and pulled the trigger two weeks ago, its 550i sport pacakage, and other goodies no HUD though and I did qualify for loyality rate, for 15k it was $30 more but i didnt need it.
    Hope it helps, feel free to ask anyother details.
  • Hello everyone,

    I just came across the MF/R for Nov. 2007. Can anyone confirm these as accurate? (see below)

    My second BMW lease is up next month and I'm looking into getting into my third. Do you guys know the criteria for qualifying for the loyalty discount in order to get a lower MF? Also, I read on this board something about paying down multiple deposits in order to get the MF even lower. Does anyone have more specifics on that. Also, considering this would be my third lease with BMW FS, I wouldn't have to cough up another sec. deposit because it's been rolling over since I got into my first lease. Does this sound correct? Ok, no more questions, lol. Any feedback is well appreciated.

    BMW Financial Services Lease Programs – 11/3/07

    For lease programs shown in BOLD, a bank lease program may have lower payments. Click on a vehicle name to compare current bank lease programs through

    2008 MODELS

    2008 BMW 528i Sedan
    24 Month – Residual 73% of MSRP – .00225 Base Rate
    36 Month – Residual 60% of MSRP – .00225 Base Rate
    48 Month – Residual 42% of MSRP – .00305 Base Rate
    60 Month – Residual 34% of MSRP – .00305 Base Rate

    2008 BMW 528xi Sedan
    24 Month – Residual 71% of MSRP – .00225 Base Rate
    36 Month – Residual 60% of MSRP – .00225 Base Rate
    48 Month – Residual 42% of MSRP – .00305 Base Rate
    60 Month – Residual 34% of MSRP – .00305 Base Rate

    2008 BMW 535i Sedan
    24 Month – Residual 71% of MSRP – .00225 Base Rate
    36 Month – Residual 60% of MSRP – .00225 Base Rate
    48 Month – Residual 42% of MSRP – .00305 Base Rate
    60 Month – Residual 34% of MSRP – .00305 Base Rate

    2008 BMW 535xi Sedan
    24 Month – Residual 70% of MSRP – .00225 Base Rate
    36 Month – Residual 60% of MSRP – .00225 Base Rate
    48 Month – Residual 42% of MSRP – .00305 Base Rate
    60 Month – Residual 34% of MSRP – .00305 Base Rate

    2008 BMW 535xi Wagon
    24 Month – Residual 70% of MSRP – .00225 Base Rate
    36 Month – Residual 60% of MSRP – .00225 Base Rate
    48 Month – Residual 38% of MSRP – .00305 Base Rate
    60 Month – Residual 30% of MSRP – .00305 Base Rate

    2008 BMW 550i Sedan
    24 Month – Residual 69% of MSRP – .00305 Base Rate
    36 Month – Residual 59% of MSRP – .00305 Base Rate
    48 Month – Residual 36% of MSRP – .00305 Base Rate
    60 Month – Residual 28% of MSRP – .00305 Base Rate

    2008 BMW M5 Sedan
    24 Month – Residual 70% of MSRP – .00305 Base Rate
    36 Month – Residual 57% of MSRP – .00305 Base Rate
    48 Month – Residual 43% of MSRP – .00305 Base Rate
    60 Month – Residual 34% of MSRP – .00305 Base Rate
  • 535xi535xi Posts: 1
    Not to rub it in but I just worked out two deals:

    1. 528xi....prem,sport,cold,nav, 18alloys,sirius, sunshades,metalic paint 12x36 lease, 2200 down 699 month including tax and reg

    2. 535xi...same as above....769

    I think these are good numbers.....I can't seem to get any lower.
  • macdadmacdad Posts: 65
    My lease is up in December and I just talked to the Finance person 11/14. I am under a current lease and I qualify for the discount. He says it is not on all cars and does not automatically run every month. I know it is on a 528 (the car I am looking at) and 328 sedan. It was not on a coupe or 335 coupe or sedan. I do not remember if it was on an "x" model or the x3 or x5 - you would have to ask about your specific interest. The discount is .00045 off the base MF. Multiple security deposits are only worth .00007 (he said the program used to be .00015 which is why not many people take advantage of the program now) and you can make up to seven.
    As for your security deposit - I was told the original deposit would be refunded and is not applied or need to be carried over - there just is not one required after the first lease.

    Both the my salesman and the finance dept says these programs are subject to change so I will have to check back in December to confirm availability. It seems the loyalty program follows cars that are not selling as strong as others.

  • Thanks for sharing the numbers. I'll let you what kind of deal I come across. Happy shopping next month!
  • sls1sls1 Posts: 36
    Is BMW running a winter special like Mercedes?
  • sls1sls1 Posts: 36
    Just spoke with BMW dealer and he was pushing the 528i. I'm currently driving a 2006 530i and was considering leasing a 535i prior to speaking with the dealer. He claims that the 528i is very similar to my current car. Thoughts?
  • My thought is that the dealer must have a surplus of 528s in inventory if he's trying to "down sell" you from a 535!

    Horsepower wise, the 528 and 530 may be similar (230 hp vs. 255 hp) but the 535 is much closer in spirit to your 530. Regardless, the 535 engine is so dramatically superior to any other six cylinder on the road (leaving aside the Porsche flat six), I wouldn't even consider downgrading to the 528 unless it was financially impossible to swing the extra $80/month lease payment.
  • No. BMW will not do an "end of year" program like Mercedes (and Lexus) on the 5 series because the 2008 model year was introduced in late spring of 2007. The 2008s are going to be sold for a good long time before the 2009s make an appearance (in advance of the brand new sixth generation 5 Series to be introduced in 2010).

    If you check out the current lease deals for November, you can see that BMW already has a very generous leasing program on the 5 Series. Particularly given how far the Dollar has fallen against the Euro in the last two months.
  • I have an offer for 08 535xi with premium package, cold weather package as follows:
    Premium Package- $2,100
    Cold Weather Package- $750
    Destination- $775.
    Total- $55,225
    Discount- $1425
    Cap Cost $ 53,800.

    24 months 70% Residual 20,000 miles per year MF-.00265 NJ sales tax included $1054 per month
    30 months 66% Residual 20,000 miles per year MF- .00265 $982. per month

    Am I being taken?
  • I get $1030.46/month on a 24 month lease with nothing down.

    I assumed that the additional 10,000 miles over the standard 15,000 mile/year allowance was excess miles and worked that into the payment. Also, your money factor seems a little high.

    2008 BMW 535xi Sedan
    24 Month – Residual 70% of MSRP – .00225 Base Rate
    36 Month – Residual 60% of MSRP – .00225 Base Rate
    48 Month – Residual 42% of MSRP – .00305 Base Rate
    60 Month – Residual 34% of MSRP – .00305 Base Rate has an awesome lease calculator for BMW's here:

    Just make sure you update the destination charge to $775.
  • Is this a good deal?
  • I don't think it's anything special. Why not go back to the dealer with the residuals and money factors CarMan gave for November and see if the dealer will do a little better on the money factor? BMW's lease rates are very, very good right now, so at least make sure you get that rate. If the dealer won't give you the BMW-subsidized rate, he should be able to explain why not.

    BTW, would you be kind enough to PM me with the name of the dealer in New Jersey you are working with?
  • I am considering leasing a 2008 528i, w/ sport pkg, premium pkg, ipod int, and serius sat,
    total msrp with options =$50,575- negotiated down to $49,290.
    $3000 total out of pkt and 575+ tax per month , 24 months.

    Is this a good deal or am I getting ripped off?
    thx, from S Florida
  • This appears to be a good deal, but you need to better define the $3k out of pocket and your annual miles (affects the residual).

    Typically there are these costs:
    - Acquistion fee ($625 typically..but can be hundreds higher). This is typically put into the cap cost of the lease vs. pay up front.
    - First month payment
    - Security deposit (I think rounded up to nearest hundred)
    - Doc is $399 typically in my area...but really varies.

    So assuming your ACQ fee is in the lease, your up front $3k is a combo of the others above + cap cost reduction.

    paying money down on a lease to reduce payment isnt the best financial use of the money, but that is your preference of course.

    Ask the dealer for these costs and the lease details, e.g. Money factor and residual value used for the miles/year you chose.
  • The deal is for 12k per year. The 3K includes 1st payment,tax tag, and dealer fees.
    The residual is 38,755. Do you still feel its a good deal?
    thanks again!
  • macdadmacdad Posts: 65
    Can anyone confirm a couple of things -

    Local dealer says the December R + MF are the same as November - y/n

    The loyalty discount on the MF for current customers was discontinued - y/n

    there is a 1000 cash available from BMW to be applied to upfront cost or as cap. cost red. (this may be for current customers only to replace the discontinued MF reduction, not sure) - y/n

    thank you
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