2014 BMW 3-Series Lease Questions

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  • kyfdxkyfdx Moderator Posts: 232,930

    @flapjackcrust said:
    What are residuals for 12k and 15k mile 36 month leases for 328d sedan?

    .00130 MF and 61%/59% residual. $1250 option credit. $500 eco credit

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  • adamsandiegoadamsandiego Member Posts: 1
    edited April 2014

    Can you tell me what the latest money factor/residuals are for the 328i sedan for 10,000 and 12,000 miles for 36 months? Thanks! I've been presented with 61% for 10,000 miles and a MF of .0017, so I think I'm getting hosed.

  • kyfdxkyfdx Moderator Posts: 232,930

    @adamsandiego said:
    Can you tell me what the latest money factor/residuals are for the 328i sedan for 10,000 and 12,000 miles for 36 months? Thanks! I've been presented with 61% for 10,000 miles and a MF of .0017, so I think I'm getting hosed.

    .00130 MF and 61% residual for 36mo, 10K/yr. 60% residual for 12K/yr.

    $2000 option credit cash. They are marking up the money factor the maximum allowed.

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  • redls1redls1 Member Posts: 37

    Ok my brain isnt working and I tried the worksheet and can normally do it. For some reason the numbers are not working out on this advertised lease special. Can anyone be so kind and tell me what they think can be done. I want to put no money down. Using the residual and money factor.

    $369*/month for 36 months. $2,000 Option Allowance is included in payment.
    • $369 First months payment
    • $2,750 Down payment
    • $0 Security Deposit
    • $725 Acquisition fee
    • $3,844 Cash due at signing

  • MichaellMichaell Moderator Posts: 238,046

    @redls1 said:
    Ok my brain isnt working and I tried the worksheet and can normally do it. For some reason the numbers are not working out on this advertised lease special. Can anyone be so kind and tell me what they think can be done. I want to put no money down. Using the residual and money factor.

    $369*/month for 36 months. $2,000 Option Allowance is included in payment.
    • $369 First months payment
    • $2,750 Down payment
    • $0 Security Deposit
    • $725 Acquisition fee
    • $3,844 Cash due at signing

    Sorry, what specific model of 3-series is this for? We would also need the MSRP and selling price to see what the numbers work out to with $0 down.

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  • redls1redls1 Member Posts: 37

    Sorry here is the fine print

    Lease financing available on 2014 BMW 328i xDrive Sedan vehicles, only at participating BMW centers on leases assigned to BMW Financial Services NA, LLC/Financial Services Vehicle Trust through April 30, 2014. $2,000 Option Allowance is a credit against the MSRP of the final purchase, loan or lease on a 328i xDrive Sedan through April 30, 2014. Monthly Lease payments of $369.00 for 36 months based on MSRP of $43,325.00. Vehicle may need to be ordered. Total Lease payments are $13,284.00. Excludes tax, title, license and registration fees. Program available to qualified customers and not everyone will qualify. Subject to credit approval. See participating dealer for details. Dealer contribution may affect terms. Lessee must cover insurance and all items not covered under the BMW Maintenance Program. At lease end, lessee will be liable for disposition fee ($350.00), any excess wear and use as set forth in the lease agreement and excess mileage charges of $0.20 per mile for miles driven in excess of 30,000 miles. Purchase option at lease end for $26,428.00 excludes taxes.e print.

  • gotigersgogotigersgo Member Posts: 2

    Thanks kyfdx for all of the info you provide.
    Any opinion on this deal for a 328i (12k mi/36 mo)?

    • MSRP 48425
    • Neg Price 42025 (invoice minus incentives) + all fees = 43,687
    • MF at .00081 with 7 MSDs
    • Lease payment 507 with 0 down/drive off
  • MichaellMichaell Moderator Posts: 238,046

    @redls1 said:
    Sorry here is the fine print

    Lease financing available on 2014 BMW 328i xDrive Sedan vehicles, only at participating BMW centers on leases assigned to BMW Financial Services NA, LLC/Financial Services Vehicle Trust through April 30, 2014. $2,000 Option Allowance is a credit against the MSRP of the final purchase, loan or lease on a 328i xDrive Sedan through April 30, 2014. Monthly Lease payments of $369.00 for 36 months based on MSRP of $43,325.00. Vehicle may need to be ordered. Total Lease payments are $13,284.00. Excludes tax, title, license and registration fees. Program available to qualified customers and not everyone will qualify. Subject to credit approval. See participating dealer for details. Dealer contribution may affect terms. Lessee must cover insurance and all items not covered under the BMW Maintenance Program. At lease end, lessee will be liable for disposition fee ($350.00), any excess wear and use as set forth in the lease agreement and excess mileage charges of $0.20 per mile for miles driven in excess of 30,000 miles. Purchase option at lease end for $26,428.00 excludes taxes.e print.

    This is the standard national lease offer; you may be able to do better by negotiating a lower selling price in addition to the $2000 credit - and checking that the dealer isn't marking up either the money factor or the acquisition fee.

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  • MichaellMichaell Moderator Posts: 238,046

    @gotigersgo said:
    Thanks kyfdx for all of the info you provide.
    Any opinion on this deal for a 328i (12k mi/36 mo)?

    • MSRP 48425
    • Neg Price 42025 (invoice minus incentives) + all fees = 43,687
    • MF at .00081 with 7 MSDs
    • Lease payment 507 with 0 down/drive off

    Is the $507/mo with tax?

    Plugging in your numbers I get a pre-tax payment amount of $465.37 (60% residual and .00081 MF)

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  • mosesmonomosesmono Member Posts: 1

    I was recently quoted the following for a 328i with moonroof, 36 months/30K miles, in California. What do you guys think? Seems to me the money factor is a little high, and maybe the price could come down by $1,000 to get closer to invoice.

    MSRP: $39,275
    Capitalized costs: $35,150
    Money factor: 0.0015
    Residual value: 61%
    Lic.Reg and other fees at drive off: $1,851
    SF Sales tax is 8.75%, so monthly payment will be $434

  • MichaellMichaell Moderator Posts: 238,046
    edited April 2014

    @mosesmono said:
    I was recently quoted the following for a 328i with moonroof, 36 months/30K miles, in California. What do you guys think? Seems to me the money factor is a little high, and maybe the price could come down by $1,000 to get closer to invoice.

    MSRP: $39,275
    Capitalized costs: $35,150
    Money factor: 0.0015
    Residual value: 61%
    Lic.Reg and other fees at drive off: $1,851
    SF Sales tax is 8.75%, so monthly payment will be $434

    Money factor is marked up from the base rate of .00130, so you could save on the monthly payment that way. You can also use multiple security deposits to further reduce the MF.

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  • lostdutchmanlostdutchman Member Posts: 12

    Looking for some general leasing wisdom... I have a 2011 328i x-drive and the lease is expiring in October 2014. I have been approached by my local dealership who says that BMW will pay six payments.

    My question is more based on past experiences. Is is better for me to wait as long as possible, with the thought that the deals will get better as the year go on, especially if I don't mind a 2014 model? I am also thinking of getting into an X3, so that might make a difference.

    Thank you,

  • kyfdxkyfdx Moderator Posts: 232,930

    @lostdutchman said:
    Looking for some general leasing wisdom... I have a 2011 328i x-drive and the lease is expiring in October 2014. I have been approached by my local dealership who says that BMW will pay six payments.

    My question is more based on past experiences. Is is better for me to wait as long as possible, with the thought that the deals will get better as the year go on, especially if I don't mind a 2014 model? I am also thinking of getting into an X3, so that might make a difference.

    Thank you,

    The pull ahead program is scheduled to run through the end of the 2nd quarter, so no rush on that front. However, lease programs can change from month-to-month, so there is always a gamble.

    As far as the X3, the 2015 models are out now, or shortly will be, right? So, the inventory you see at the dealership for 2014 models might be all they will get. They've increased incentives on the X3 over the last couple of months, and the deals might get better, but not substantially. Of course, if you have a good cheap lease on your 2011, you might want to ride it out and take a chance.... if your deal wasn't that great, maybe you are ready to move on. A lot of variables, there.

    Also, the sooner you get a new lease, the sooner you have to do the next one (which isn't always a negative, if you get the new car bug). The X3 also has a 4-cyl turbo vs. the inline-6 in your vehicle (if that sort of thing matters to you).

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  • lostdutchmanlostdutchman Member Posts: 12

    Thanks, I am thinking I will wait it out a little and see what happens, interesting but on the BMW site, they aren't even offering the 2014 X3 as a lease special... I guess I am gambling that the deals will only get better, but who knows. As far as the engine size, that might matter, I haven't driven the X3. The major reason for the change from the 3 series to the X3 is ground clearance, I drive this mostly in the winter.

  • kyfdxkyfdx Moderator Posts: 232,930

    Yeah... to be clear, any new BMW you lease is going to have the 4-cylinder turbo as the base engine.. If you like the 6 better, you might want to hang on to yours a little longer. Also, no chance of needing that ground clearance by October.. :p

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  • georgef6georgef6 Member Posts: 1
    edited April 2014

    First Post- I am looking at a 2014 335i xDrive. MSRP $58,330 with Technology, M Sport, Premium, Cold weather and Driver assist packages. I am a current BMW owner looking to get out of a 2008 535xi that I own free and clear and into a lease on this 3 series.

    I would like to have the dealer quote me a 24 month 10k and 12k/yr lease. What MF and residuals should I expect? What other credits might I have available and how are those used on a lease?

    I am totally new to leasing- what other variables am I missing from the equation?

    Thanks in advance-

  • kyfdxkyfdx Moderator Posts: 232,930

    @georgef6 said:
    First Post- I am looking at a 2014 335i xDrive. MSRP $58,330 with Technology, M Sport, Premium, Cold weather and Driver assist packages. I am a current BMW owner looking to get out of a 2008 535xi that I own free and clear and into a lease on this 3 series.

    I would like to have the dealer quote me a 24 month 10k and 12k/yr lease. What MF and residuals should I expect? What other credits might I have available and how are those used on a lease?

    I am totally new to leasing- what other variables am I missing from the equation?

    Thanks in advance-

    .00130 MF and 69%/68% residual for 10K/12K, respectively. $1250 option credit cash.

    36 month residuals are just 6% lower, and will result in a much lower monthly payment.

    The biggest variable will be the selling price you negotiate, and making sure that the acquisition fee ($725 base) and the money factor are not marked up for extra profit.

    Also, best to keep the trade-in as a separate transaction. Have them appraise it and cut you a check for the value assigned.

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  • flapjackcrustflapjackcrust Member Posts: 27

    How much of a discount should I expect on a demo/service loaner with 2000 miles?

    Does it make sense to lease demo vehicles? Are the residuals calculated the same way?

    I'm looking at 328d sedans, and the salesperson said they may have a loaner in their fleet.

    Thanks.

  • tdbrphtdbrph Member Posts: 40

    What are current lease details on 320i and 328i ? looking at 24 or 36 mo

  • kyfdxkyfdx Moderator Posts: 232,930

    @flapjackcrust said:
    How much of a discount should I expect on a demo/service loaner with 2000 miles?

    Does it make sense to lease demo vehicles? Are the residuals calculated the same way?

    I'm looking at 328d sedans, and the salesperson said they may have a loaner in their fleet.

    Thanks.

    The residual is the same as the new car program, but adjusted down to account for the mileage. There is a per-mile charge, though it has varied, and I'm not sure what it is, right now. But, assume it's $0.20/mile, so for that car, the residual would be lowered by $400.

    So, at a minimum, for the demo to be a better lease deal, it needs to be at least $400 cheaper than a comparable new unit. I'd want more than that, though.. I've leased two different demo/loaner BMWs, and saved quite a bit, over a new one. But, the units I leased had 10K-11K miles, and came with much bigger discounts than new (and lower residuals, as well).

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  • kyfdxkyfdx Moderator Posts: 232,930

    @tdbrph said:
    What are current lease details on 320i and 328i ? looking at 24 or 36 mo

    24 month, 15K/yr:

    320i: .00130 MF and 67% residual

    328i: .00130 MF and 61% residual

    36mo, 15K/yr:

    320i: .00130 MF and 64% residual

    328i: .00130 MF and 58% residual

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  • purchasingsoonpurchasingsoon Member Posts: 74
    I have a quick question about the upfront fees: is the destination fee as stated by edmunds (in the price and build section) of $925 different from the acquisition fee of $725?

    I'm negotiating on a 328 w xdrive msrp $49,825. The edmunds true market value after incentive plus the destination fee and the ad fee is $44,342. Does the acquisition fee get tacked on to the $44,342? Are there addition fees as well? The sales person's first offer included a money factor of .0018 and no mention of the $2k incentive so I've lost all confidence that he will provide me with any honest answers at this point. Thanks!!
  • MichaellMichaell Moderator Posts: 238,046

    @purchasingsoon said:
    I have a quick question about the upfront fees: is the destination fee as stated by edmunds (in the price and build section) of $925 different from the acquisition fee of $725?

    I'm negotiating on a 328 w xdrive msrp $49,825. The edmunds true market value after incentive plus the destination fee and the ad fee is $44,342. Does the acquisition fee get tacked on to the $44,342? Are there addition fees as well? The sales person's first offer included a money factor of .0018 and no mention of the $2k incentive so I've lost all confidence that he will provide me with any honest answers at this point. Thanks!!

    Yes, the destination fee is different from the acquisition fee. The destination charge is on the sticker and is the same for every BMW sold in the US.

    Yes, the acquisition fee of $725 is added on to the $44,342. Not sure about other fees; some are state mandated, some are added by the dealer.

    The MF of .0018 is marked up from the base rate of .00130, so you'll want to negotiate on that.

    If the dealer is marking up the MF and not mentioning the $2K incentive, it may be time to try another dealer.

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  • nymnym Member Posts: 11
    edited April 2014

    Can I please get the MF/Residual for a 335i and 328i (10k/24m and 12k/24m)

  • purchasingsoonpurchasingsoon Member Posts: 74
    Great, thanks for the quick response I appreciate it.
  • MichaellMichaell Moderator Posts: 238,046

    @nym said:
    Can I please get the MF/Residual for a 335i and 328i (10k/24m and 12k/24m)

    MF of .00130 for both models.

    328i: 67% for 12K; 68% for 10K

    335i: 68% for 12K; 69% for 10K

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  • khuzbuzkhuzbuz Member Posts: 55

    When is it the best time to lease a 328xi? Does BMW have a specific sales event where they offer deep discounts or incentives? I still have another 13 months to go on my current lease so I'd like to time it right.

  • MichaellMichaell Moderator Posts: 238,046

    @khuzbuz said:
    When is it the best time to lease a 328xi? Does BMW have a specific sales event where they offer deep discounts or incentives? I still have another 13 months to go on my current lease so I'd like to time it right.

    Not sure there is a 'best time' - as the model year unfolds, residuals tend to go down, but manufacturers may also reduce the money factor to compensate. And, there may be special promotions offered but we have no way to know when they may be available in advance.

    BMW is running a 'pull ahead' program, but your lease has to end before 12/31/14 to qualify.

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  • cx5inquirycx5inquiry Member Posts: 3
    edited April 2014

    I'm currently interested in the MF/Residual for 320i as well as a 328i at 10k/36 months in Florida. Can you help please?

  • MichaellMichaell Moderator Posts: 238,046

    @cx5inquiry said:
    I'm currently interested in the MF/Residual for 320i as well as a 328i at 10k/36 months in Florida. Can you help please?

    MF is .00130 for both.

    320i residual is 64%

    328i residual is 61%

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  • cx5inquirycx5inquiry Member Posts: 3

    Thank you!

  • dinosaurkundinosaurkun Member Posts: 3

    hello. i was wondering how the incentives listed on the bmwusa site worked.
    i negotiated a car $3k down from MRSP of $48,475 to $45,475.
    do the incentives drop it another $3k ($2k option allowance + $1k college grad) to $42,475 as final cost of the car...not including the other fees?

  • jcarloughjcarlough Member Posts: 90
    edited April 2014

    Hi - Can I get MF + Residual for a 328d X-Drive? 10K/36-months?

    Am I correct that there is a $500 Eco + $1250 Option Credit on the 328d (vs. the $2000 Credit on the gasser?).

    Thanks!

    EDIT - Wait, I saw that the 12k/15k was posted a little earlier this month. Am I correct to assume that the 10k mileage would be 3% higher residual than 15k & 1% higher than 12k?

    Meaning for a 328d X-Drive:

    MF: .00130
    Residual: 62% (for 10k)

  • kyfdxkyfdx Moderator Posts: 232,930

    @dinosaurkun said:
    hello. i was wondering how the incentives listed on the bmwusa site worked.
    i negotiated a car $3k down from MRSP of $48,475 to $45,475.
    do the incentives drop it another $3k ($2k option allowance + $1k college grad) to $42,475 as final cost of the car...not including the other fees?

    The college grad might be a rebate, but the option allowance? Did you mention it in negotiations? Negotiating a price, then expecting them to drop it even more, with no mention previously... is just asking them to say they already included that in their price.

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  • kyfdxkyfdx Moderator Posts: 232,930

    @jcarlough said:
    Hi - Can I get MF + Residual for a 328d X-Drive? 10K/36-months?

    Am I correct that there is a $500 Eco + $1250 Option Credit on the 328d (vs. the $2000 Credit on the gasser?).

    Thanks!

    EDIT - Wait, I saw that the 12k/15k was posted a little earlier this month. Am I correct to assume that the 10k mileage would be 3% higher residual than 15k & 1% higher than 12k?

    Meaning for a 328d X-Drive:

    MF: .00130
    Residual: 62% (for 10k)

    That's correct ... .00130 MF and 62% residual. $1750 total credits.

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  • purchasingsoonpurchasingsoon Member Posts: 74
    I have finalized negotiations for my 328 and will sign in a few days. I will post details after signing.

    If I want to do MSDs, do I simply mention it before I sign the lease papers? Are they required to oblige or can they say no we will not go below .0013? Also, is there a $100 incentive for using an Amex? How does one go about mentioning this, if it exists?

    Thanks!
  • kyfdxkyfdx Moderator Posts: 232,930

    @purchasingsoon said:
    I have finalized negotiations for my 328 and will sign in a few days. I will post details after signing.

    If I want to do MSDs, do I simply mention it before I sign the lease papers? Are they required to oblige or can they say no we will not go below .0013? Also, is there a $100 incentive for using an Amex? How does one go about mentioning this, if it exists?

    Thanks!

    You should let them know ahead of time that you want to do MSDs. It may impact their payment from BMWFS, a little... They do not have to oblige. If you haven't mentioned MSDs, then you really haven't finalized your negotiations.

    No info on an AMEX incentive.. it's the first I've heard of it.

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  • purchasingsoonpurchasingsoon Member Posts: 74
    null
    Very helpful thanks! Can't recall where I saw the Amex deal anymore, it may have been a third party website.
  • konacougkonacoug Member Posts: 196

    Purchasingsoon...they can not refuse to allow you to use MSD's. It is allowable with BMW FS. But, you should let your CA know that you plan on using MSD's. Many dealers will try to dissuade you, basically, it cuts down on their profit, less interest paid!

    Finally, it sounds like you don't quite have a handle on your deal. Always negotiate from invoice, then subtract incentives. Otherwise you will find yourself arguing with them about the deal. In addition, don't allow them to jack up the money factor. I have seen lots of deals, where op's have gotten a decent sell price, but then gave into the higher money factor which cost them $1500-2000. So much for a below invoice deal. I have no idea where you live in the USA, but there are good dealers out there, that offer no nonsense deals, everything disclosed and above board. Also, in the finance office, they will try to sell you all kinds of crap, tire and wheel insurance, dent repair, on and on. The smart move, is to refuse all of that stuff.

    If you are on the West Coast, lots of good dealers in the LA area. If you are on the East Coast, you can always do PCD delivery.

  • dinosaurkundinosaurkun Member Posts: 3

    anyone near houston know a good dealer to talk to? even in a near-by city would be fine. can't seem to find anyone in town willing to budge from the MF of 0.0017...which can pretty much kill any deal... =[

  • carguy9000carguy9000 Member Posts: 6

    First time poster! Looking to lease a 328xi.

    Mineral Grey Metallic, Cold Weather, Driver Assistance, Premium, Nav w/Touchpad

    • 36 month term
    • 10K Miles
    • $2,150 due at signing
    • $513.38 quoted monthly payment
    • Money Factor: .00130
    • Residual Value: 61% ($29,235)
    • MSRP: $47,925
    • Invoice: $44,565
    • Dealer Selling Price: Just over $43K
    • $2K options allowance included

    I haven't done any negotiating yet, but curious to know what kind of deal I could expect to get on this make/model/build.

    Thanks!

  • carguy9000carguy9000 Member Posts: 6

    @carguy9000 said:
    First time poster! Looking to lease a 328xi.

    Mineral Grey Metallic, Cold Weather, Driver Assistance, Premium, Nav w/Touchpad

    • 36 month term
    • 10K Miles
    • $2,150 due at signing
    • $513.38 quoted monthly payment
    • Money Factor: .00130
    • Residual Value: 61% ($29,235)
    • MSRP: $47,925
    • Invoice: $44,565
    • Dealer Selling Price: Just over $43K
    • $2K options allowance included

    I haven't done any negotiating yet, but curious to know what kind of deal I could expect to get on this make/model/build.

    Thanks!

    Forgot to mention, this is in NJ.

  • MichaellMichaell Moderator Posts: 238,046

    @carguy9000 said:
    First time poster! Looking to lease a 328xi.

    Mineral Grey Metallic, Cold Weather, Driver Assistance, Premium, Nav w/Touchpad

    • 36 month term
    • 10K Miles
    • $2,150 due at signing
    • $513.38 quoted monthly payment
    • Money Factor: .00130
    • Residual Value: 61% ($29,235)
    • MSRP: $47,925
    • Invoice: $44,565
    • Dealer Selling Price: Just over $43K
    • $2K options allowance included

    I haven't done any negotiating yet, but curious to know what kind of deal I could expect to get on this make/model/build.

    Thanks!

    How does the $2150 due at signing break down?

    They are offering you the base MF, which is good. Selling price could be a bit closer to invoice (before the options allowance is factored in). Residual is spot on.

    Is the payment with or without tax?

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  • sonicsk8sonicsk8 Member Posts: 13

    Hey can you tell me the current MF and residual value for 328i in New York
    10k/36 mo

    Thanks

  • carguy9000carguy9000 Member Posts: 6

    @Michaell@Edmunds said:
    Is the payment with or without tax?

    Thanks Michael! Went back to the dealer to find out how the upfront costs break down. Will post when I hear back.

  • MichaellMichaell Moderator Posts: 238,046

    @sonicsk8 said:
    Hey can you tell me the current MF and residual value for 328i in New York
    10k/36 mo

    Thanks

    .00130 and 61%

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  • sonicsk8sonicsk8 Member Posts: 13

    @Michaell@Edmunds said:
    .00130 and 61%

    Thanks

  • carguy9000carguy9000 Member Posts: 6

    @carguy9000 said:
    Thanks Michael! Went back to the dealer to find out how the upfront costs break down. Will post when I hear back.
    @sonicsk8 said:
    Hey can you tell me the current MF and residual value for 328i in New York
    10k/36 mo

    Thanks
    @Michaell@Edmunds said:
    Is the payment with or without tax?

    Hi @Michaell@Edmunds, heard back from the dealer:

    $2,149.06 upfront ($513.38 first month, $349 doc fee, $875 Bank fee, $326 MV, $85.68 sales tax on upfront fees)

    Do folks here have any experience with fitting one to two car seats in the back of a 3-series? Do I need to suck it up and go for a 5?

  • MichaellMichaell Moderator Posts: 238,046

    @carguy9000 said:
    $2,149.06 upfront ($513.38 first month, $349 doc fee, $875 Bank fee, $326 MV, $85.68 sales tax on upfront fees)

    The bank fee is marked up from $725. And, no money down towards cap cost.

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  • carguy9000carguy9000 Member Posts: 6

    @Michaell@Edmunds said:
    The bank fee is marked up from $725. And, no money down towards cap cost.

    Thanks again. Does it make sense to put any money down towards the cap cost reduction? Typically better to spread it out over the monthly payments, right?

    Based on this build and money down, what kind of monthly payment could I realistically expect? Is $475 crazy talk?

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