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2014 BMW 3-Series Lease Questions

Kirstie_HKirstie_H Posts: 11,042
edited May 2015 in BMW
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  • Hey all,

    I'm in TX and have negotiated the following deal:

    MSRP $47,275 (Sport pkg, Driver assist pkg, Premium pkg, + Nav)
    Cap Costs $42,200
    USAA Rebate -$500
    BMW Loyalty -$500
    MF .00125 - 7 MSD = .00076
    36 month 15k/yr
    0 down other than first payment and such
    Payment $462

    Its a little more car than I wanted... I'm going to ask they throw in tint.
  • I should add it is 2014 with a .58 RV and TX state tax is 6.25% which is in the payment.
  • konacougkonacoug Kailua-KonaPosts: 196
    If your model offers conquest cash, then you are eligible for it. I think you have a good deal, based on your numbers. I ran your numbers thru the calculator and was off too. Without seeing all the numbers, I know I just guessed on some of them.
  • arai30arai30 Posts: 18
    Hi kona,
    which numbers are missing?

    For a 2014 328i I've been offered.
    MF: .00125
    Residual: 61%
    32month/ 10k miles.

    The Cap cost is already ~6k less than MSRP.
    MSRP: 48900 ( includes $200 less for pre 10/2013 car)
    Selling Price: 42945.

    Lic.Reg+Bank+Doc fee: 414+725+80 (due at drive off with 1st month payment)
    Monthly: 455.30+tax($40.98). = $496.28
    Drive off: $1787.73
  • Great board. Here's the offer currently have in Ohio:

    320i Xdrive:

    For a 2014 320i I've been offered.
    MF: .00125
    Residual: 63%
    36month/ 12k miles

    MSRP: 39070
    Selling Price: 37692 (includes $500 Holiday Cash and $500 USAA rebate)

    Lic.Reg+Bank+Doc fee: due at drive off
    Monthly: 344+tax
    Cap cost pymt: $3700

    Also have 39 month/12k miles with same terms for $342+tax

    I don't think they are in the right place for selling price and the cap cost pymt is too high.

    Advice, comments and tips appreciated.

  • konacougkonacoug Kailua-KonaPosts: 196
    Not a very good selling are paying almost full Msrp for the car, only about $400 less, before incentives. Remember the incentives don't cost the dealer anything and should only be included after the negotiated price. I would shoot for about $500 over invoice, then subtract the incentives.

    the best way to get a good deal, is to email dealers in your area, with an offer of $500 over invoice, minus incentives. You lose negotiating leverage when they have you at the dealership.

    Yikes, you are also putting down way too much money on a lease. You would be much better served to put down multiple security deposits (MSD) to lower the money factor. For each MSD, it lowers the mf by .0007, the max is 7 msd's for a reduction of .00049. This should save you about $40 per month in payments, best of all you get the money back at the end of the lease, unless the car is damaged or over the allotted miles. Plus, if the car is stolen or totaled you still get your deposits back.
  • arai30arai30 Posts: 18
    Hi kona,

    Please take a look at my previous post. Could you tell which numbers are missing?

    I have another quote from a different dealer.
    2014 328i Msport
    MSRP $48,325
    selling price $45,300
    36month 10k per year
    residual 61%
    money factor 0.00125

    drive off $1042.73

    Monthly: 562.14+ tax

    Sale price is at invoice. Not willing to go any lower :(
  • konacougkonacoug Kailua-KonaPosts: 196
    I think I was inquiring about what you were coming out of pocket and what rebates/incentives you were using. I came up with exactly $562 your latest deal, but that was including AZ tax. I used $500 in DMV & doc and gave you the $750 conquest cash.
  • arai30arai30 Posts: 18
    Hey kona
    I dont think I will be going with the guy offering the latest quote, he wasnt willing to give me detailed quote splitting each item. His fees are just $1000 and he isnt going as low as Greg on the sale price. He is offering me:

    selling price $44,881
    bank fee $925
    docu fee $80
    residual 61%
    money factor 0.00125 OAC
    residual $29478.25
    drive off $1042
    payment $549.60+ tax

    There is something off here. No registration fee? And his spec is too damn high. 328i MSport, ZDA, ZLP, Comfort package, Nav package, HK Audio, Sport transmission with paddles. The cost doesnt add up to the MSRP.


    What I think I might go for:
    MSRP: $48,900.00
    SELLING PRICE: $42,945.00
    Term 36 Months
    Mileage 10,000/year
    Money Factor 1.25
    Residual Factor 61%
    Residual Value $29,829.00
    Monthly Depreciation $364.33
    Monthly Rent $90.97

    License & Registration $414.00
    Bank Fee $725.00
    Documentation Fee $80.00
    First Payment $496.28
    Security Deposit $0.00
    Drive Off $1,787.73

    Monthly Payment $455.30
    Tax (9%) $40.98
    Monthly Payment + Tax $496.28

    I will do MSDs to get this lower. Also trying to get the cap cost lower.
    He hasnt applied conquest cash for my Infiniti. No answer on if its eligible.

    What do you think should be an agreeable amount?
  • konacougkonacoug Kailua-KonaPosts: 196
    I am not sure which year and model you are referring too. However, I think the deal with Greg is the way to go....I am not sure if the 2013 model qualifies for conquest cash. This deal looks solid to me. I would check regarding dmv and monthly taxes, to make sure he uses AZ rates.
  • arai30arai30 Posts: 18
    Hey Kona,
    The 2nd one, Monthly Payment $455.30
    Monthly Payment + Tax $496.28

    This is Greg's quote.
    Its a 2014 328i Msport. He's unable to get me what I exactly want, so this is the closet.
    He has told me AZ rates will be charged (8.ish instead of 9%) and also AZ DMV in the same fee.

    No response since Wednesday :(
  • Is this a good deal?
    14 320 xi
    Navigation. Lighting . Sport pack. Cold weather . Power seats moon roof.
    39 months 10k a year.
    450 per month tax in.
    600 due at signing.
    I'd like to be a little lower. Do I have room?
  • edit above: msrp is about 45k, not sure on exact msrp
  • I heard the Dec. residuals and factory cash changed, does anyone have them for a 36mo/10kyr?:

    2013 328xi 335xi

    2014 328xi 335xi
  • konacougkonacoug Kailua-KonaPosts: 196
    I would roll with the last deal if you want a 2014 model. I think that with the discount he gave you on the car, I don't think you could really do better, other than ordering exactly what you want and doing a European Delivery.
  • oid21oid21 Posts: 10
    Hi Kyfdx,

    Looking for Dec residual & MF for 2014 335xi GT, and 2014 328xi. 36mo/15K

    Thank you!
  • 2014 328i
    metallic paint
    sport auto trans
    M sport
    lighting pkg
    Harman Kardon


    drive off= 2750
    payment= 435 (tax incl)

    Good? should i go for it?
  • arai30arai30 Posts: 18
    Looks like a good deal to me. ~$6k below MSRP. I am currently offered lesser than that :(

    Try plugging in your numbers in a carlease calculator.

    Numbers look good to me.

    Your's is the perfect build I am looking for. Care to share which area you are in?
  • konacougkonacoug Kailua-KonaPosts: 196
    Looks pretty good, just missing a couple of things, what is your money factor and acquisition fee? Also, the drive off sounds a little high, unless you are either pre paying taxes or de capping the lease. You should look into MSD's, multiple security deposits. For each MSD, it lowers the money factor by .0007, you can put down a total of 7 MSD's and it will be a reduction of .00049, which equates to a lower monthly payment by $35 to $45. Best of all you get your money back at the end of lease and there is no risk of losing it due to theft or total loss of car
  • money factor =1.25
    10k/36 mon

    bank fee=725

    i just paid extra down so bring down the payment...
  • konacougkonacoug Kailua-KonaPosts: 196
    I would recommend against paying the extra down to bring the payment down. This is a lease and once you leave the lot, if anything happens to the car, you are out the down payment. Whatever you are putting down to de cap, use it toward MSD's. For each $450 MSD, it lowers your money factor by .0007, if you plug the number into the lease calculator on this forum, it is easy to figure out. You could even email your CA and request to re calculate the deal, take out the de cap and do the MSD's instead. It rounds up to the nearest $50 increment. So, for you either $450 or $400 per MSD. It is really a good return on your money. I did on my lease and saved about $40 per month, amounts to about $1400 over the lease.
  • kyfdxkyfdx Posts: 70,300
    edited December 2013
    2014 328i Sedan 36mo, 15K/yr lease
    .00125 MF and 58% residual
    $1250 Holiday cash and $500 lease loyalty

    I don't have the 2013 model information.



    Prices Paid, Lease Questions, SUVs

  • kyfdxkyfdx Posts: 70,300
    2014 335xi GT 36mo, 15K/yr lease
    .00125 MF and 59% residual
    $750 Holiday cash and $500 lease loyalty

    2014 328xi Sedan 36mo, 15K/yr lease
    .00125 MF and 59% residual
    $1250 Holiday cash and $500 lease loyalty



    Prices Paid, Lease Questions, SUVs

  • kyfdxkyfdx Posts: 70,300
    2014 320i Sedan 36mo, 15K/yr lease
    .00125 MF and 63% residual
    $500 Holiday cash and $500 lease loyalty

    I don't see a 320 GT, so, I'll assume 2014 328 GT
    .00125 MF and 59% residual
    $750 Holiday cash and $500 lease loyalty

    Add 2% to residuals for 12K/yr



    Prices Paid, Lease Questions, SUVs

  • Was wondering if this is a good deal? 2014 335X drive, Estoril blue, black interior, nav, heated seats, premium. MSRP: 54825, negotiated price of 49500. lease of 36/12k of $545/month with 2232 first payment (includes first month+taxes+title+doc+registration). putting MSD down as well. Total Cost of lease comes out to 21307.

  • konacougkonacoug Kailua-KonaPosts: 196

    The Sell price is okay....but you are leaving out info, what is the money factor, acquisition fee. As far as assuming a lease, thru BMW FS, you submit an application with a $500 fee, of which $400 is refundable if they turn you down. The car is under warranty throughout the lease, so shouldn't really be any issues. But, I would do a careful inspection, for you will be liable for damage or excess miles, at lease's end..

  • The first lease deals was for a new 2014 car with a MF of 0.00125 and with the MSD it reduces to 0.00076 which comes out to a APR of 1.8%.. I rolled the taxes aquisition fee, doc, title into and first month payment into 2232. Thanks for your input.

  • Looking for some insight on 320i deals. Haven;t seen much discussion on this thread recently.

    Looking at a '14 320i, with sport and lighting. MSRP 36,5xx.

    What deals have you all got? I have top tier and will likely put MSDs down as well. I see the advertised deal at 279/.month, but assume there are better deals to be had, correct?

    Please advise, and thank you.

  • konacougkonacoug Kailua-KonaPosts: 196

    dduran1..the advertised deals are crap and require dealer participation. Plus you have to de cap the lease. They want over $5k never want to put money down on a lease.

  • Thanks all.

    Definitely know to never put money down, but wanted to see what other deals are out there. mdc99 looks about right. A California dealer offered $750 below invoice, but I am waiting to see the numbers. Thanks all.

This discussion has been closed.