2014 BMW 3-Series Lease Questions

lospl

Hi, I'm looking at a 2014 328i, sport line, mineral white, driver assist and premium pkg.
36 months/ 15k
MSRP 45350.00
Invoice 42305.00 (they included MACO $400 and training/service fee $180)? is MACO and training/service part of invoice?
Initial cap cost $39802
Total adds to cap $925 (I'm guessing this is their acquisition fee)
Adjusted cap cost $40727
MF .0015 base, .0013 max MSD for $3600 (I have 800+ credit score. I think they are over charging)

Monthy $489.30+tax or $475.80 after MSD

Any thoughts? What is MACO and training/service fees?

kyfdx

lospl said:

Hi, I'm looking at a 2014 328i, sport line, mineral white, driver assist and premium pkg.
36 months/ 15k
MSRP 45350.00
Invoice 42305.00 (they included MACO $400 and training/service fee $180)? is MACO and training/service part of invoice?
Initial cap cost $39802
Total adds to cap $925 (I'm guessing this is their acquisition fee)
Adjusted cap cost $40727
MF .0015 base, .0013 max MSD for $3600 (I have 800+ credit score. I think they are over charging)

Monthy $489.30+tax or $475.80 after MSD

Any thoughts? What is MACO and training/service fees?

The base MF is .00129. With 7 MSDs, it would be .00080, so yes, they are marking it up. The base acquisition fee is $725, so they are marking that up the maximum, as well.

MACO is regional advertising and training/service fee is also on every BMW invoice.

There is a $2000 incentive from BMW on this model. If your initial CAP cost of $39,802 is the selling price, then that's a pretty good price. If it includes a CAP cost reduction (downpayment), then that might be different..

I have a lot of problems in making a big deposit to buy down the money factor that the dealer has just marked up by the same amount...

kk84us

Hi I got the following deal today for a 2015 320xi. Can someone advise if this is a good deal?

Base MSRP: $34,750
Total MSRP: $38,745
Mileage: 12K per year
Residual: 62%
MF: .00129
Down Payment: $2000 including first months payment
Monthly Payment: $399

Please let me know if there is room for more negotiation.

jvsa

Anyone have info on M3 or M4? Residual and MF? 12k mi per year on either a 24, 30 or 36mo term.

kyfdx

kk84us said:

Hi I got the following deal today for a 2015 320xi. Can someone advise if this is a good deal?

Base MSRP: $34,750
Total MSRP: $38,745
Mileage: 12K per year
Residual: 62%
MF: .00129
Down Payment: $2000 including first months payment
Monthly Payment: $399

Please let me know if there is room for more negotiation.

What is the selling price? What is the $2000 going for, besides the first payment? Does it include taxes? If so, what state and what tax rate?

patk96

How's this deal? 2014 335i M Sport.

MSRP: $54,275

Selling price:$47,550

Fees:$299

DMV: $350

12k/36 months: 61%

MF: .00129

Tax: MD 6% (tax on full purchase price)

Monthly payment: $630 (all fees and taxes rolled in, $0 down)

sansoo

I'm a newbie on this forum and have a 3 questions which I hope you can answer.
Looking to purchase a 2014 328i.
1. what is the money factor and residuals as of today?
2. what are the mechanics to negotiate the best deal? (to negotiate the best prices off MSRP then remove any current incentives on top of that?)
3. what are MD's and how do they work / are applied vs down payments? (any good links that can explain this)?

many thanks in advanced!

kyfdx

patk96 said:

How's this deal? 2014 335i M Sport.

MSRP: $54,275

Selling price:$47,550

Fees:$299

DMV: $350

12k/36 months: 61%

MF: .00129

Tax: MD 6% (tax on full purchase price)

Monthly payment: $630 (all fees and taxes rolled in, $0 down)

Looks good.. sales tax is rough in MD.

kyfdx

sansoo said:

I'm a newbie on this forum and have a 3 questions which I hope you can answer.
Looking to purchase a 2014 328i.
1. what is the money factor and residuals as of today?
2. what are the mechanics to negotiate the best deal? (to negotiate the best prices off MSRP then remove any current incentives on top of that?)
3. what are MD's and how do they work / are applied vs down payments? (any good links that can explain this)?

many thanks in advanced!

1) .00129 MF and 59% residual for 36mo, 15K/yr

2) Negotiate your best price, including all incentives. Don't assume anything more is going to come off the price you negotiate.

3) MSDs are multiple security deposits. For every additional deposit, BMWFS lowers the money factor by .00007. 7 maximum deposits = total reduction of .00049. That would take the base money factor from .00129 down to .00080. Like any security deposit, they are returned at lease end.

sansoo

kyfdx said:

sansoo said:

I'm a newbie on this forum and have a 3 questions which I hope you can answer.
Looking to purchase a 2014 328i.
1. what is the money factor and residuals as of today?
2. what are the mechanics to negotiate the best deal? (to negotiate the best prices off MSRP then remove any current incentives on top of that?)
3. what are MD's and how do they work / are applied vs down payments? (any good links that can explain this)?

many thanks in advanced!

1) .00129 MF and 59% residual for 36mo, 15K/yr

2) Negotiate your best price, including all incentives. Don't assume anything more is going to come off the price you negotiate.

3) MSDs are multiple security deposits. For every additional deposit, BMWFS lowers the money factor by .00007. 7 maximum deposits = total reduction of .00049. That would take the base money factor from .00129 down to .00080. Like any security deposit, they are returned at lease end.

Thanks!
what about the MF if the lease is 36 mo / 10K? same? what about the residual value? I've seen about 63%, is that right?

Michaell

sansoo said:

kyfdx said:

sansoo said:

I'm a newbie on this forum and have a 3 questions which I hope you can answer.
Looking to purchase a 2014 328i.
1. what is the money factor and residuals as of today?
2. what are the mechanics to negotiate the best deal? (to negotiate the best prices off MSRP then remove any current incentives on top of that?)
3. what are MD's and how do they work / are applied vs down payments? (any good links that can explain this)?

many thanks in advanced!

1) .00129 MF and 59% residual for 36mo, 15K/yr

2) Negotiate your best price, including all incentives. Don't assume anything more is going to come off the price you negotiate.

3) MSDs are multiple security deposits. For every additional deposit, BMWFS lowers the money factor by .00007. 7 maximum deposits = total reduction of .00049. That would take the base money factor from .00129 down to .00080. Like any security deposit, they are returned at lease end.

Thanks!
what about the MF if the lease is 36 mo / 10K? same? what about the residual value? I've seen about 63%, is that right?

MF is the same; add 3% to residual for 10K miles per year.

sansoo

sansoo said:

kyfdx said:

sansoo said:

I'm a newbie on this forum and have a 3 questions which I hope you can answer.
Looking to purchase a 2014 328i.
1. what is the money factor and residuals as of today?
2. what are the mechanics to negotiate the best deal? (to negotiate the best prices off MSRP then remove any current incentives on top of that?)
3. what are MD's and how do they work / are applied vs down payments? (any good links that can explain this)?

many thanks in advanced!

1) .00129 MF and 59% residual for 36mo, 15K/yr

2) Negotiate your best price, including all incentives. Don't assume anything more is going to come off the price you negotiate.

3) MSDs are multiple security deposits. For every additional deposit, BMWFS lowers the money factor by .00007. 7 maximum deposits = total reduction of .00049. That would take the base money factor from .00129 down to .00080. Like any security deposit, they are returned at lease end.

Thanks!
what about the MF if the lease is 36 mo / 10K? same? what about the residual value? I've seen about 63%, is that right?

MF is the same; add 3% to residual for 10K miles per year.



THANKS!

sansoo

Michaell said:

sansoo said:

kyfdx said:

sansoo said:

I'm a newbie on this forum and have a 3 questions which I hope you can answer.
Looking to purchase a 2014 328i.
1. what is the money factor and residuals as of today?
2. what are the mechanics to negotiate the best deal? (to negotiate the best prices off MSRP then remove any current incentives on top of that?)
3. what are MD's and how do they work / are applied vs down payments? (any good links that can explain this)?

many thanks in advanced!

1) .00129 MF and 59% residual for 36mo, 15K/yr

2) Negotiate your best price, including all incentives. Don't assume anything more is going to come off the price you negotiate.

3) MSDs are multiple security deposits. For every additional deposit, BMWFS lowers the money factor by .00007. 7 maximum deposits = total reduction of .00049. That would take the base money factor from .00129 down to .00080. Like any security deposit, they are returned at lease end.

Thanks!
what about the MF if the lease is 36 mo / 10K? same? what about the residual value? I've seen about 63%, is that right?

MF is the same; add 3% to residual for 10K miles per year.

LAST question (I hope). what would folks consider a good price for a base model 2014 328i?

kk84us

kyfdx said:

kk84us said:

Hi I got the following deal today for a 2015 320xi. Can someone advise if this is a good deal?

Base MSRP: $34,750
Total MSRP: $38,745
Mileage: 12K per year
Residual: 62%
MF: .00129
Down Payment: $2000 including first months payment
Monthly Payment: $399

Please let me know if there is room for more negotiation.

What is the selling price? What is the $2000 going for, besides the first payment? Does it include taxes? If so, what state and what tax rate?

Please disregard the previous deal I posted. Could you advise on the following deal I got in NJ today for a 2014 320xi?

MSRP: $37,225
Selling Price: $33,280
Mileage: 12K per year
Residual: 62% ($23,079)
MF: 0.00129
Down Payment: $2,000 including first month payment
Monthly Payment: $395

I was told that the 2k I am putting down is coming off the total price including the taxes and fees. The 2k does not cover the taxes alone, so part of the taxes and fees are also being rolled into the monthly payment.

How does this deal sound? Also do you think the deal may get better in Oct?

Thanks.

Michaell

sansoo said:

Michaell said:

sansoo said:

kyfdx said:

sansoo said:

I'm a newbie on this forum and have a 3 questions which I hope you can answer.
Looking to purchase a 2014 328i.
1. what is the money factor and residuals as of today?
2. what are the mechanics to negotiate the best deal? (to negotiate the best prices off MSRP then remove any current incentives on top of that?)
3. what are MD's and how do they work / are applied vs down payments? (any good links that can explain this)?

many thanks in advanced!

1) .00129 MF and 59% residual for 36mo, 15K/yr

2) Negotiate your best price, including all incentives. Don't assume anything more is going to come off the price you negotiate.

3) MSDs are multiple security deposits. For every additional deposit, BMWFS lowers the money factor by .00007. 7 maximum deposits = total reduction of .00049. That would take the base money factor from .00129 down to .00080. Like any security deposit, they are returned at lease end.

Thanks!
what about the MF if the lease is 36 mo / 10K? same? what about the residual value? I've seen about 63%, is that right?

MF is the same; add 3% to residual for 10K miles per year.

LAST question (I hope). what would folks consider a good price for a base model 2014 328i?

Not a question I can answer - use the pricing tools at the top of the page to help figure out your target price.

kyfdx

kk84us said:

kyfdx said:

kk84us said:

Hi I got the following deal today for a 2015 320xi. Can someone advise if this is a good deal?

Base MSRP: $34,750
Total MSRP: $38,745
Mileage: 12K per year
Residual: 62%
MF: .00129
Down Payment: $2000 including first months payment
Monthly Payment: $399

Please let me know if there is room for more negotiation.

What is the selling price? What is the $2000 going for, besides the first payment? Does it include taxes? If so, what state and what tax rate?

Please disregard the previous deal I posted. Could you advise on the following deal I got in NJ today for a 2014 320xi?

MSRP: $37,225
Selling Price: $33,280
Mileage: 12K per year
Residual: 62% ($23,079)
MF: 0.00129
Down Payment: $2,000 including first month payment
Monthly Payment: $395

I was told that the 2k I am putting down is coming off the total price including the taxes and fees. The 2k does not cover the taxes alone, so part of the taxes and fees are also being rolled into the monthly payment.

How does this deal sound? Also do you think the deal may get better in Oct?

Thanks.

About 8% off before subtracting the $1000 incentive.. That's pretty good. I'd want to know the details of the added costs, before subtracting the $2000. Looks like about $1300 added on to get to that payment... That's a total of $2900 in additional costs, outside of the 1st payment.
$725 acq.fee, $500 title/registration, $1200 in tax, $300 doc fee? I guess that's pretty close..

karkus17

Hello all,

I just received a quote from my dealer for a 2014 328i xDrive.

MSRP: $44,825
Selling Price: $39,825
Reward program: -$1000
Mileage: 10K/3 years
Residual: 63%
MF: 0.00129
Down Payment: $0
Acq. Fee $725
Doc. Fee $200

Tax rate: 6%

Monthly payment: $426

How does this quote look? That's pretty much the best I received so far.

BTW, does anyone know how the MSDs work? With each MSD, how much can the MF go down?

Thank you!

kyfdx

karkus17 said:

Hello all,

I just received a quote from my dealer for a 2014 328i xDrive.

MSRP: $44,825
Selling Price: $39,825
Reward program: -$1000
Mileage: 10K/3 years
Residual: 63%
MF: 0.00129
Down Payment: $0
Acq. Fee $725
Doc. Fee $200

Tax rate: 6%

Monthly payment: $426

How does this quote look? That's pretty much the best I received so far.

BTW, does anyone know how the MSDs work? With each MSD, how much can the MF go down?

Thank you!

That looks really good. Each MSD lowers the MF by .00007, with a total of 7 allowed for a maximum reduction of .00049.

That would result in an MF of .00080 and save about $35/mo. on the payment.

kk84us

karkus17 said:

Hello all,

I just received a quote from my dealer for a 2014 328i xDrive.

MSRP: $44,825
Selling Price: $39,825
Reward program: -$1000
Mileage: 10K/3 years
Residual: 63%
MF: 0.00129
Down Payment: $0
Acq. Fee $725
Doc. Fee $200

Tax rate: 6%

Monthly payment: $426

How does this quote look? That's pretty much the best I received so far.

BTW, does anyone know how the MSDs work? With each MSD, how much can the MF go down?

Thank you!

Which dealer did you get this quote from?

karkus17

That sounds good. Thank you for your info!

kyfdx said:

karkus17 said:

Hello all,

I just received a quote from my dealer for a 2014 328i xDrive.

MSRP: $44,825
Selling Price: $39,825
Reward program: -$1000
Mileage: 10K/3 years
Residual: 63%
MF: 0.00129
Down Payment: $0
Acq. Fee $725
Doc. Fee $200

Tax rate: 6%

Monthly payment: $426

How does this quote look? That's pretty much the best I received so far.

BTW, does anyone know how the MSDs work? With each MSD, how much can the MF go down?

Thank you!

That looks really good. Each MSD lowers the MF by .00007, with a total of 7 allowed for a maximum reduction of .00049.

That would result in an MF of .00080 and save about $35/mo. on the payment.

karkus17

It's from a dealer in edmunds:
http://www.edmunds.com/bmw/3-series/2014/?sub=sedan

They started with $2600 off MSRP + $2K innovations credit. I finally made it to $3k off MSRP + $2K credit. Other dealers nearby seem to be firm at around $2500 off MSRP.

kk84us said:

karkus17 said:

Hello all,

I just received a quote from my dealer for a 2014 328i xDrive.

MSRP: $44,825
Selling Price: $39,825
Reward program: -$1000
Mileage: 10K/3 years
Residual: 63%
MF: 0.00129
Down Payment: $0
Acq. Fee $725
Doc. Fee $200

Tax rate: 6%

Monthly payment: $426

How does this quote look? That's pretty much the best I received so far.

BTW, does anyone know how the MSDs work? With each MSD, how much can the MF go down?

Thank you!

Which dealer did you get this quote from?

kk84us

karkus17 said:

It's from a dealer in edmunds:
http://www.edmunds.com/bmw/3-series/2014/?sub=sedan

They started with $2600 off MSRP + $2K innovations credit. I finally made it to $3k off MSRP + $2K credit. Other dealers nearby seem to be firm at around $2500 off MSRP.

kk84us said:

karkus17 said:

Hello all,

I just received a quote from my dealer for a 2014 328i xDrive.

MSRP: $44,825
Selling Price: $39,825
Reward program: -$1000
Mileage: 10K/3 years
Residual: 63%
MF: 0.00129
Down Payment: $0
Acq. Fee $725
Doc. Fee $200

Tax rate: 6%

Monthly payment: $426

How does this quote look? That's pretty much the best I received so far.

BTW, does anyone know how the MSDs work? With each MSD, how much can the MF go down?

Thank you!

Which dealer did you get this quote from?

Which state are you in? Sorry for asking too many questions.

patk96

What is the October MF and residual for 2014 335i for 12k/36? Any change from September?

jsamt

Please also post any changes to innovation credits and/or other MFG to Dealer/customer incentives. Thank you!

jsamt

NY

Michaell

patk96 said:

What is the October MF and residual for 2014 335i for 12k/36? Any change from September?

.00129 and 60%. $1750 innovations credit.

Michaell

jsamt said:

Please also post any changes to innovation credits and/or other MFG to Dealer/customer incentives. Thank you!

For which model 3-series? What lease term and miles per year?

park5

Hi,

I am seeking for October lease numbers for the 2014 335xi. 12K/36months and 15k/36 months. Are they pretty much the same compared to September?

Thank you in advance.

Michaell

park5 said:

Hi,

I am seeking for October lease numbers for the 2014 335xi. 12K/36months and 15k/36 months. Are they pretty much the same compared to September?

Thank you in advance.

.00129 and 59% for 36/15. Add 2% for 12K. $1750 innovation credit for October.

park5

Michaell said:

park5 said:

Hi,

I am seeking for October lease numbers for the 2014 335xi. 12K/36months and 15k/36 months. Are they pretty much the same compared to September?

Thank you in advance.

.00129 and 59% for 36/15. Add 2% for 12K. $1750 innovation credit for October.

Thank you for the information. I guess that it's the same as September.

jsamt

Can you provide the numbers MF and Res. % for (if this is not too much to ask) 2014 and 2015 320xi and 328xi for 36 months 12k/15k and any innovation money available. Thank you in advance.

kyfdx

jsamt said:

Can you provide the numbers MF and Res. % for (if this is not too much to ask) 2014 and 2015 320xi and 328xi for 36 months 12k/15k and any innovation money available. Thank you in advance.

2014 .00129 MF and 60% residual for 36mo, 15K/yr. $1000 on 320xi, $2000 on 328xi.

2015 .00129 MF and 60% residual.. $500 credit.

Add 2% for 12K/yr.

johnny328

First off I would like to thank you for the valuable service you provide.  It would be very difficult to compute a fair payment w/o the info you make available.  Please provide oct residual and innovation for 2014 328i 12kyr.   

Thanks! 

Michaell

johnny328 said:

First off I would like to thank you for the valuable service you provide.  It would be very difficult to compute a fair payment w/o the info you make available.  Please provide oct residual and innovation for 2014 328i 12kyr.   

Thanks! 

.00129 and 61%. $2000 innovation credit.

e90m

johnny328 said:

First off I would like to thank you for the valuable service you provide.  It would be very difficult to compute a fair payment w/o the info you make available.

I would like to second this sentiment - thank you both!

dwj5

Thank you so much for all the helpful information. I've learned a great deal from reading this forum and it has been a huge help.

Now for the questions:

MF and residual for 2015 328i sport wagon 36/10?
MF and residual for 2015 328d sport wagon 36/10?

Thanks in advance!

Michaell

dwj5 said:

Thank you so much for all the helpful information. I've learned a great deal from reading this forum and it has been a huge help.

Now for the questions:

MF and residual for 2015 328i sport wagon 36/10?
MF and residual for 2015 328d sport wagon 36/10?

Thanks in advance!

.00129 MF and 62% residual for both. $500 innovations credit for both. $500 eco credit for 328d.

supra911

What is the residual for 15k/3yr 328xd? Thanks.

Michaell

supra911 said:

What is the residual for 15k/3yr 328xd? Thanks.

.00129 and 60%. $750 innovation credit and $1000 eco credit.

opatut

Can you please list MF and residual for 320i (base model) and any incentives?
Much appreciated.

Michaell

opatut said:

Can you please list MF and residual for 320i (base model) and any incentives?
Much appreciated.

What lease erm and how many miles per year?

MF is .00129

kyfdx

opatut said:

Can you please list MF and residual for 320i (base model) and any incentives?
Much appreciated.

2014 320i: .00129 MF and 60% residual for 36mo, 15K/yr. $1000 Innovations credit.

mrm2083

What's the current residual on a 2014 328i for 15k/30 month and 15/36 month? Thanks!

opatut

Just leased a 2014 320i; hoping we did well. This is a mostly base model but our first BMW. MSRP was $36,750 as it has moonroof, metallic blue and a few other additions. Dealer came down to $33,750. Total down was $2,000 (includes acq fee and all other initial costs) and payment for 36 months/10 k miles per year is $388. This includes tax (am in New Mexico). Money factor was .00149. I know we left some on the table with the MF but they would barely budge from .00169 until the very end. We felt like since they came down 3k from MSRP that there wasn't much more they'd go down on the MF.

Anyway, very excited to enjoy this beautiful car. Any thoughts on the deal appreciated (hopefully we did ok....).

opatut

Oh, should have mentioned in previous post that residual was 63%.

mj65467

Just got a lease offer on a 2014 335i with 12k miles and 61% residual

MSRP 55,625.00
Selling Price 49,249.85
Money Factor: .00080 with 7 MSDs
$3500 security deposit
$3000 down payment
$475/month including taxes

Thoughts? Thanks for all the useful information everyone!

kyfdx

mrm2083 said:

What's the current residual on a 2014 328i for 15k/30 month and 15/36 month? Thanks!

.00129 MF and 62%/59% residual. $2000 Innovations credit.

latraffic101

Hey everyone, I was originally in the market for a 428i Gran Coupe but it seems like there's better deals to be had for the 3 series.

I'm in the process of negotiating and this is the offer I have on the table, do you guys think the terms are favorable?

36 months / 12k / 328i with premium package and heated seats

Selling price - $37,100 ($1440 below invoice with 2k innovation credit factored in)

MF - .00080 after maxing out MSD
Residual Factor - 61%

Monthly payment with tax - 405.00

Drive off - $4852.42 with MSD, bank fee, documentation fee, first payment, license and registration.

Do you think this is as good as it gets? Thanks for your input!

Michaell

mj65467 said:

Just got a lease offer on a 2014 335i with 12k miles and 61% residual

MSRP 55,625.00
Selling Price 49,249.85
Money Factor: .00080 with 7 MSDs
$3500 security deposit
$3000 down payment
$475/month including taxes

Thoughts? Thanks for all the useful information everyone!

How much of the $3K down is going to cap cost reduction?

Good discount from sticker and base MF being used - both are good for your deal.

Michaell

latraffic101 said:

Hey everyone, I was originally in the market for a 428i Gran Coupe but it seems like there's better deals to be had for the 3 series.

I'm in the process of negotiating and this is the offer I have on the table, do you guys think the terms are favorable?

36 months / 12k / 328i with premium package and heated seats

Selling price - $37,100 ($1440 below invoice with 2k innovation credit factored in)

MF - .00080 after maxing out MSD
Residual Factor - 61%

Monthly payment with tax - 405.00

Drive off - $4852.42 with MSD, bank fee, documentation fee, first payment, license and registration.

Do you think this is as good as it gets? Thanks for your input!

What is the MSRP? Seems like a good deal - base MF is being used.

Can't imagine the payment getting much better unless you negotiate more off the sticker price.