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2013 and earlier BMW X5 Lease Questions



  • zoranzoran Posts: 68
    How about April lease and incentives for 2012 x5 diesel?
  • BMW offers a $3,500 Eco Credit on the X5 35d. It's a month to month program that has been offered every month in 2011, but is currently only valid through 5/2...unless they decide to renew it again, which is pretty likely. The financing is 4.9% for 24 - 72 months, you can do better with other lenders (Bank of America for instance). All details of Eco Credit and financing available on the BMW site and on Edmunds under X5 Pricing and Incentives.
  • gcookgcook Posts: 29
    edited April 2011
    How do I even start? I have bought Acuras in the past and they have all the options, so I am a little confused on how to start pricing a BMW. Can anyone help? do I build it out on the bmw site, first, then where do I go from there? How do I get the invoice or where do I start? I know what the MSRP will be. Can anyone give me any tips? I definitely want some options added to the base vehicle. Any starting tips would be great. I am looking at buying in a few months, and don't care if I get a 2011 when 2012 comes out. Just need help figuring it all out.

    invoice $57,385
    MSRP $62,375

    Rear seat entertainment, convenience pkg, premium sound pgk, tech pkg
  • raksgalraksgal Posts: 18
    Carman & Icartwright,

    Thank you for your answers. Please help me with the numbers calculation:

    For 2011 BMW X5 Diesel with the following specs:

    Tech package, Premium package, Ipod USB adapter, Heated front seats, Running boards, 3rd row seat and Roof rails

    MSRP: $61,825

    Selling Price: $53,800
    Sales Tax: 8.25% for Dallas I guess
    Fees: ?? (What is this number you recommend?)

    36 Month lease
    12,000 Miles a year

    Residual: 55% (is this correct for April ?)
    Money factor: .00205 (is this correct for April ?)

    $3,000 Due at signing = $??? a month is the correct payment ? (please include tax as well).

    I will highly appreciate your feedback

  • Want to end my lease (2010 528i) early for a X5 with 3rd row seat. I have 12K miles with 16 months remaining on 3yr/10K per year agreement. Is there an early termination fee for such transfer (BMW to BMW), and any suggestion on which route I should take.

  • kyfdxkyfdx Posts: 27,687
    If you have a relatively low payment, then a service like Swapalease can help you find someone to take over your current lease... then, you can go get a new one.

    There really is no early termination fee or plan. If you turn your car in, they'll sell it at auction and you'll owe the difference between that number and the balance owed on your lease. That number will likely be huge. Alternatively, you could try trading it in to your BMW dealer, and paying the difference between the trade-in allowance and your lease balance. Also, likely to be a huge number.

    You could get lucky, but in general, exiting a lease early is very expensive.


    Prices Paid, Lease Questions, SUVs

  • sunnyvalisunnyvali Posts: 32
    Which dealer in Dallas quoted you the price. It is better thank I have been quoted. Please let me know. I am looking for the same.

  • I'm not an expert on BMW lease deals, I stick to the financing side of things. I'll have to defer to Carman on this one...Good luck with your lease and new SAV!
  • mannydommannydom Posts: 29
    Thanks so much Car_man. What is a "vehicle's buy rate?" Are you referring to the agreed upon price of the car? What about my other question regarding having to get new license plates every time i start a new lease? Is that a gimmick? Can I demand to keep the same plates? Thanks again.

    My lease ends in mid-May and I want to lease my third X5. Any predictions for 3 year 15,000 miles per year lease? Can you comment on loyalty discount?
  • Thanks for your info. I spoke with BMW Financial Services and basically a dealer would need to buy the car for $34,370.67, and anything less I would need to cover. Plus the new acquisition cost and other fees to lease a X5.
  • gcookgcook Posts: 29
    Carman, can you help with my question by giving me some guidance on message 1558?

  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi gcook. You can build the exact truck that you want and find out its dealer invoice price right here at, over in the New Vehicle Pricing section.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi raksgal. The money factor that you were quoted is about right...I believe that BMW FS' April buy rate for this car is .00200 for non-returning and .00170 for returning customers. The residual value that you were quoted is right on the money.

    Using these numbers, an MSRP of $61,825, and a selling price of $53,800, I estimate that this truck would have a zero down, pre-tax monthly payment of around $726.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    You're welcome mannydom. The buy rate lease money factor for a vehicle is the lowest possible money factor that dealers are allowed to charge for it. The money factor on a lease is like the interest rate on a loan, the lower the better. Dealers are often allowed to mark up vehicles' money factors to add additional hidden profit to deals. BMW dealers are notorious for doing this. That's why it's important to know what your vehicle's buy rate is.

    BMW's current lease program is scheduled to run through May 2nd. It's difficult to say what its program will be like after that.

    If you are a current BMW owner or lessee, you are eligible for a .00030 discount on the money factor that is used to calculate your vehicle's payment.

    Prices Paid: Buying & Leasing Experiences Forum
  • innajlinnajl Posts: 3
    can you please help me with the quote.This is my 2nd BMW X5 lease, I love it.
    So my MSRP is 55,435 per truecar

    I was told by a dealer that my rate for a loyal customer is 0.00135.
    One thing I am not sure about is security deposit vs down payment.
    My friend bought x5 and put 5K for a security deposit . He will get his money back at the end of the lease. This lowered his monthly payment.
    Last time I leased I gave a down payment of $5k which also brought down my payment.
    What is the better way to go : down payment or security deposit ?

    Also what would you think my price could be ? and my monthly payment ?

    Thank you for your help
  • gcookgcook Posts: 29
    Are you generally paying invoice, below invoice or above invoice? what shoudl I expect to pay. I see the car is 64k and invoice is 59K but never bought a bmw so don't know how to price it?
  • Hi. This is my first BMW purchase. I am looking at a 2011 X5 5.0 with cold weather, tech, premium, navigation, roof rack, running boards, ipod usb, sat radio.
    36 month 15000 miles per year.

    Dealer quote is
    MSRP 69025
    Sale price 65500
    Trade in 17500
    sales tax 3000
    non taxable fees: 294
    tag fee 150

    0 down monthly comes to 485.62

    What do you think? I asked what the MF was and I think they said 0.002
  • They are treating your trade as cap cost reduction. Money down is NEVER recommended on a lease. (do a search on this - lots of info on the insurance implications - basically if vehicle is stolen or totaled, you may lose some/all of your down payment.

    I'd max out your MSD's (again, search) to get the money factor lower - dealer may play dumb on this, but I'm pretty sure you can do up to 7 MSD's in all states except NY - then have them cut you a check for the difference from your trade. Your payment will be higher, but you can offset that with your cash in the bank. You'll get a lower overall interest rate, plus have a nice chunk of change when your MSD's are refunded at the end of your lease.
  • nealitnealit Posts: 11
    edited April 2011
    I just leased my 2011 x5 35d from chapman bmw yesterday. used as a negotiation tool and leaseguide leasing kit as a number proof assistant. My due at signning is 5k, actual capita reduction to cost is (5000-925-399-60-777)=2800 around this including tax. so it is less than 2800 as capita reduction.

    Dealer quote is
    MSRP 66475
    Sale price 58150
    due at signning 5000
    acutual downpayment to capita reduction, 2800 around which including tax
    sales tax NV TAX 8.1%
    disposal fee 350
    residual 55% for 36 mos 12k
    money factor at 0.002, interest rate @4.8%
    acquistion fee: 925*
    doc fee 399*
    Tax is 8.1%
    first month payment is 777*
    AZ 3 month tem license fee: 60*
    tax on 2800

    all numbers above are rounded. maybe few dollars different.
    total payment for 3 years are 32k.
    the car comes with sport activity, premium, tech, rear climate, cold weather, Y-spoke, multi-contour seat, 1 yr satellite, smartphone, ipod, running board, roofrack, etc totla msrp is 66475.
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