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# Audi A4 Lease Questions

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0 · Like LOL1Cap cost: $40,700.

Due at signing: $1500 ($866 of which is "minimum fees", the rest a down payment)

Residual value: 54%

Money factor: .00055

None of this seems to add up - first, I know not to put any unneeded money down, but what IS REQUIRED at lease inception (minimum fees, if any)? Second, how can his money factor quote be so low, compared to what you stated earlier in this thread? Is it likely that this is going to "magically" change at the dealership (too good to be true)? Third, when leasing, do you only pay sales tax on the difference between the cap cost and residual value? Fourth, the fact that his cap cost was based on, essentially, the invoice price, even though there was little negotiating to this point, scares me - should it?

If I run the numbers through the edmunds leasing calculator, I get the payment he is quoting only if I use the sales tax on the difference between the cap cost and the residual ... but it does come out to his quote.

It's in Massachusetts, just outside of Boston, if that matters at all.

Thanks in advance.

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0 · Like LOL72- Spam
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0 · Like LOL7Do you know the current money factor and residual value %for Audi A4 2.0T Quattro? I am looking for a quartz grey Audi A4 2.0T Quattro with Sunroof package, 24 months, 15,000 miles per year lease. The MSRP is $34,135, invoice is $31,741. The price quote I got from 3 dealers is around $32,600.

Thanks.

QYL

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0 · Like LOL1I just got back from my local dealer and have some numbers to chew over. Here's what I'm looking at:

A4 2.0T Quatro

Dolphin Grey

Premium/Sunroof/Cold Weather/Audio packages

Sports suspension.

MSRP: $38,010

Lease Terms: 36 months/10,000 miles

Lease-End Value: $21,665 (57%)

I was going to put $3,000 down, although I may rethink that after reading through your posts. Given that, my monthly payments were quoted at $469. I didn't get the Money Factor, but perhaps there's a way to back into it? Good deal? How much wiggle room do I have and where do I start the negotiations?

Thanks so much for your help. I'm so fortunate to have stumbled upon this board.

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0 · Like LOL4is it still a good deal?

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0 · Like LOL1Here's the offer:

2006 Audi A4 1.8 Cabriolet

Premium Package and S line Package. Retail price $43,160

With minimum down, a 36 month lease, with 15,000 miles a year, payment - including tax and all fees - is approximately $620/month.

or

With $4,000 down, the payment is closer to $450/month.

Good deal?

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0 · Like LOL1- Spam
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0 · Like LOL7- Spam
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0 · Like LOL6- Spam
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0 · Like LOL6MSRP : $40,560

Sunroof package, premium package, S-Line package with performance tires, premium audio package with XM satellite radio, Technology package with Bluetooth

36 months/15k/0 down execpt 1st months payment

607.91 with tax and lic

final price on vehicle $39,275, residule 54%, money factor 0.0095

i know the price can be brought down a little, and what else can i do to get a better deal?

i'm located in seattle area

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0 · Like LOL12Thanks.

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0 · Like LOL6These lease rates are for reference only and may vary by region. The dealer does not have to offer you these rates. It’s always best to compare other lease programs through other sources such as LeaseCompare.com.

Add 2% to Residual Value for 12k mi/yr and 3% for 10k mi/yr on all terms

2006 Audi A4 2dr Convertible 1.8T / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 70% of MSRP – .00205 Base Money Factor Rate

24 mo/15k mi – Residual Value 66% of MSRP – .00205 Base Money Factor Rate

36 mo/15k mi – Residual Value 57% of MSRP – .00205 Base Money Factor Rate

48 mo/15k mi – Residual Value 46% of MSRP – .00320 Base Money Factor Rate

2006 Audi A4 2dr Convertible Quattro 3.0L / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 69% of MSRP – .00220 Base Money Factor Rate

24 mo/15k mi – Residual Value 65% of MSRP – .00220 Base Money Factor Rate

36 mo/15k mi – Residual Value 56% of MSRP – .00220 Base Money Factor Rate

48 mo/15k mi – Residual Value 46% of MSRP – .00320 Base Money Factor Rate

2006 Audi A4 2dr Convertible S4 / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 67% of MSRP – .00295 Base Money Factor Rate

24 mo/15k mi – Residual Value 63% of MSRP – .00295 Base Money Factor Rate

36 mo/15k mi – Residual Value 54% of MSRP – .00295 Base Money Factor Rate

48 mo/15k mi – Residual Value 44% of MSRP – .00315 Base Money Factor Rate

2006 Audi A4 4dr Sedan S4 / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 69% of MSRP – .00205 Base Money Factor Rate

24 mo/15k mi – Residual Value 65% of MSRP – .00205 Base Money Factor Rate

36 mo/15k mi – Residual Value 54% of MSRP – .00205 Base Money Factor Rate

48 mo/15k mi – Residual Value 44% of MSRP – .00315 Base Money Factor Rate

2006 Audi A4 4dr Sedan 2.0T / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 68% of MSRP – .00038 Base Money Factor Rate

24 mo/15k mi – Residual Value 64% of MSRP – .00038 Base Money Factor Rate

36 mo/15k mi – Residual Value 53% of MSRP – .00038 Base Money Factor Rate

48 mo/15k mi – Residual Value 43% of MSRP – .00320 Base Money Factor Rate

2006 Audi A4 4dr Sedan 2.0T Quattro / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 69% of MSRP – .00043 Base Money Factor Rate

24 mo/15k mi – Residual Value 65% of MSRP – .00043 Base Money Factor Rate

36 mo/15k mi – Residual Value 54% of MSRP – .00043 Base Money Factor Rate

48 mo/15k mi – Residual Value 44% of MSRP – .00320 Base Money Factor Rate

2006 Audi A4 4dr Sedan 3.2L / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 66% of MSRP – .00055 Base Money Factor Rate

24 mo/15k mi – Residual Value 62% of MSRP – .00055 Base Money Factor Rate

36 mo/15k mi – Residual Value 51% of MSRP – .00055 Base Money Factor Rate

48 mo/15k mi – Residual Value 41% of MSRP – .00320 Base Money Factor Rate

2006 Audi A4 4dr Sedan Quattro 3.2L / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 67% of MSRP – .00055 Base Money Factor Rate

24 mo/15k mi – Residual Value 63% of MSRP – .00055 Base Money Factor Rate

36 mo/15k mi – Residual Value 52% of MSRP – .00055 Base Money Factor Rate

48 mo/15k mi – Residual Value 41% of MSRP – .00320 Base Money Factor Rate

2006 Audi A4 5dr Avant 2.0T Quattro / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 69% of MSRP – .00064 Base Money Factor Rate

24 mo/15k mi – Residual Value 65% of MSRP – .00064 Base Money Factor Rate

36 mo/15k mi – Residual Value 54% of MSRP – .00064 Base Money Factor Rate

48 mo/15k mi – Residual Value 43% of MSRP – .00320 Base Money Factor Rate

2006 Audi A4 5dr Avant 3.2L Quattro / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 67% of MSRP – .00055 Base Money Factor Rate

24 mo/15k mi – Residual Value 63% of MSRP – .00055 Base Money Factor Rate

36 mo/15k mi – Residual Value 52% of MSRP – .00055 Base Money Factor Rate

48 mo/15k mi – Residual Value 42% of MSRP – .00320 Base Money Factor Rate

2006 Audi A4 5dr Avant S4 / Compare Instant Lease Quotes

12 mo/15k mi – Residual Value 68% of MSRP – .00205 Base Money Factor Rate

24 mo/15k mi – Residual Value 64% of MSRP – .00205 Base Money Factor Rate

36 mo/15k mi – Residual Value 53% of MSRP – .00205 Base Money Factor Rate

48 mo/15k mi – Residual Value 43% of MSRP – .00315 Base Money Factor Rate

2006 Audi A4 4dr Sedan S4 25quattro

12 mo/15k mi – Residual Value 61% of MSRP – .00205 Base Money Factor Rate

24 mo/15k mi – Residual Value 57% of MSRP – .00205 Base Money Factor Rate

36 mo/15k mi – Residual Value 47% of MSRP – .00205 Base Money Factor Rate

48 mo/15k mi – Residual Value 38% of MSRP – .00315 Base Money Factor Rate

You can use the following formula to calculate a lease payment:

(Capitalized Cost – Residual Value) / Term = Monthly Depreciation

(Capitalized Cost + Residual Value) X Money Factor = Monthly Interest

Monthly Depreciation + Monthly Interest = Base Monthly Payment

-Tarry Shebesta, OCLC

Certified Lease Consultant

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0 · Like LOL32- Spam
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0 · Like LOL71)They refuse to disclose the money factor and residual value to you, only stick to the monthly payment.

I was told I could get 0.00064 MF and 65% residual value for a A4 2.0T Quattro with 24 month 15K miles per year lease.

Then when I went to the dealershop and negotiated with the salesman, he refused to confirm the money factor and residual value saying he simply does not know and does not care. (They actually used 0.00080 0.65%instead.)

2)They changed the price they promised.

They promised me a price of $35,200 (MSRP $36,985, Invoice $34,335) during negotiation. Then the salesperson told me to add $1,084 acquistion fee and other fees to the price. Then I learned that this $1084 is "Pure Dealer Profit". The acquisition fee is charged separately and not included in the price.

So the final price is $36,284.

Lessons Learned:

1)Never, Never trust the car salesman. They always tell lies and play tricks on you.

2)Insist on the details and breakdowns of any fee or charges, especially the money factor, residual value...etc. Do not assume anything.

3)Choose a better dealer

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0 · Like LOL659Something you need to know about leasing. A dealer

CANNOTchange the residual value of a car. That is SET by the bank and cannot be negotiated. It will depend on the term and how many miles per year you contract to drive. A 36mo /10k lease will have a different residual value than a 36 / 15k lease.If you look on the AUDIUSA.COM website, you can clearly see there is an aquisition fee on the A4 lease special.

At the bottom of that lease add, you also see that any dealer fees will be added to that. Many dealers in the USA do have ducmentation fees they charge as dealer to handle all of your titling and DMV work. Some dealers may charge $100 - $400 or more as a Documentation Fee. It's up to the dealer to decide if they charge a documentation fee.

2006 A4 2.0 T quattro Sedan

$369 per month

36-month lease*

---------------------------------------------------

Down payment $999

Refundable security deposit NA

Acquisition fee $575

First month's payment $369

---------------------------------------------------

Amount due at lease inception $1,943

Excludes taxes, title and dealer fees. See dealer for details.

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0 · Like LOL7However, the trick is:

1)They agreed on the price of $35,200 but asked me to add $1,084 "fees".

2)Then they told me the $1,084 includes the acquisition fee and other fees. They lied about this $1,084 "fees".

3)Actually, they changed the price to $36,284 and I paid the acquisition fee and documentation fee on top of the $36,284 real price.

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0 · Like LOL659totalout of pocket money did you put down?- Spam
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0 · Like LOL7- Spam
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0 · Like LOL38,515Car_manHost

Smart Shopper / Prices Paid Forums

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0 · Like LOL38,515OK, I just did some checking and apparently Audi is waiving its security deposit requirement for this car in April. That means that its base factor would indeed be .00015 lower. Make sure to insist that the dealer you are working with waives this car's security deposit at no additional charge.

Car_manHost

Smart Shopper / Prices Paid Forums

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0 · Like LOL38,515The money factor that you were quoted for this car is right in line with AFS buy rate for it right now. I don't know when I mentioned the higher factor that you are referring to, but Audi publishes a new lease program every month. Perhaps the one that you looked at is expired.

I believe that I remember hearing that Massachusetts charges sales tax on vehicles' entire lease payments, but I am not intimately familiar with your state's taxation policy. You may want to check out the following sites to see if they have is any additional information on this subject: Massachusetts Registry of Motor Vehicles or Mass Department of Revenue.

Don't let the fact that you are getting a good deal on this car scare you. You would really need to be scared if the dealer you are working with was trying to charge you full MSRP for it :surprise:.

Car_manHost

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0 · Like LOL38,515Car_manHost

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0 · Like LOL38,515Car_manHost

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0 · Like LOL38,515Car_manHost

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0 · Like LOL38,515In your post, you mentioned that the Cabrio that you are considering leasing has a retail price of $43,160. By this I assume that you mean that this is its MSRP. If so, You never mentioned the selling price of the car that you are interested in leasing. This is an important number for you as a consumer to know for two reasons. First, the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. Without knowing the price of the car that you want to lease you don't know how good a price you are getting it for. The second reason is that one needs the selling price of a vehicle that they want to lease is that it is necessary to calculate its lease payment. I would be more than happy to give you my opinion of this deal if you let me know what its selling price is.

Car_manHost

Smart Shopper / Prices Paid Forums

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0 · Like LOL38,515Another problem that I have with this deal is the money factor that you were quoted is too high. Audi Financial Services' current buy rate lease money factor and residual value for a 36 month, 15,000 mile per year lease of this car are .00043 and 54%. It looks as though the dealer that you are working with is attempting to mark your car's money factor up to add additional back-end profit to your deal. Make sure to insist that they use the buy rate to calculate your car's money factor.

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0 · Like LOL38,515Car_manHost

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0 · Like LOL7qyl

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0 · Like LOL8I am considering a 36 month/ 12k per year lease on an 06 A4 3.2 Quattro.

The details are as follows:

MSRP: 41,510

Invoice: 38,454

Negotiated Price: 40,000

Residual: 54%

MF: .00055

No down payment or security deposit and 525 bank fee and 1st payment of 550 (total walk off of 1,246 after title and fees).

Monthly payment works out to 549 (including state tax).

Is this a good deal or should the MF be lower due to the waiver of the security deposit ?

Thanks for you help/ comments

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0 · Like LOL