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Comments
MSRP: 30265
Base Cap Cost: 28600
Acq Fee: 625
Adjusted Cap Cost: 29225
Money Factor: .00157
@ 12k a year 59%
$ Down: Fees and First Payment = 837.74 ( 424.79 plus 288.00 ( lic ) CA Tire Fee 8.75 Doc Fee 80 Eff Fee ( dmv ) 29 upfront taxes 7.20
Payment: 389.72 plus taxes 35.07 = $424.79
This look good?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
But when the time comes I see myself making my next car a GTI so I have some questions.
Without being biased/I Know it's different for everyone - for the average person is leasing it or buying it better?
I was hoping to pay around $250/month for a car - but now that I'm reading these numbers, that seems laughable, sadly It seems even for the base GTI (S) at an MSRP of 25-26k it seems I wouldn't be able to even do $300/month?
Does it even make sense to lease? Or is it smarter to buy?
I wanted a sunroof - which means I would need to then even go up to the SE and thats like 28-29k! I don't even know if it's worth it anymore to go up more.
What would you say is the ratio of how much a car lease should be a month compared to a salary? For example, for a salary of 60k, with house rent being about 750/month I'm wondering if I can afford a GTI?
Anyone care to pitch in some numbers?
My current car is 2007 Ford Fusion with 196k miles and has some dings in it. Would that even get me a value for trade in?
First, the decision to lease or buy depends on how long you plan on keeping your car. Given that your current car is approaching 8 years old with close to 200K on it, you seem more likely to buy than lease. Leasing is for folks who like to only keep their cars for a few years.
2015 GTI's are not leasing well at the moment, given the high MF (.00157, or 3.77%).
I'm not a personal finance specialist, so I'm not even going to touch the question of affordability or budgets. Only you can determine what you are comfortable spending for a car payment.
Your Fusion has some value to somebody, just probably not the VW dealer. If you were to pursue a new car, I think your best bet is to sell in privately. Check the "Real World Trade in Values" discussion for a better assessment.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Acquisition fee is unavoidable. What is the breakdown of the other $1540 of inception fees?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Decent discount before fees, especially for a 2015 model.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
I'm looking at a 2015 GTI SE with the lighting package. $31300 after taxes and fees. They're offering a $488/month lease for 36/15k... Is this outrageous or is it just me? I haven't asked for MF or residual yet.
We'd need to know the MSRP in order to model a payment.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
I take that back... 29500
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Ughh. I may as well just buy it..
Thank you very much for your help.
All speculation on my part, however.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
I'm guessing it's around 0.0023 based on the current terrible national offer. (2015 GTI S manual - $324/mo. 36/12. $2,349 down. MSRP $25,815.)
I've been leasing GTIs for the last 9 years, it seems like they usually start dropping the MF in january. Does your experience bear a similar assessment? A new body style is always a wildcard of course.
I'm also very curious if anyone here has the MF/RV numbers for the e-Golf. I saw a $299/mo lease mentioned on another forum. If there's any truth to that it would be compelling to me.
Thanks!
Rich
I've never leased a GTI, so I can't comment on what the numbers two months from now will look like. I suppose it all depends on supply and demand - if there's little demand, then the finance boffins at VW may sweeten the numbers.
I don't have any lease numbers on the e-Golf. Are they in showrooms already?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
36/12 0.00156 MF 58% residual.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
.00156 MF is VW's standard rate for November, and is applicable to the GTI
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Congrats on the new GTI! One of my favorite cars.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
My current GTI lease is almost up, someone please talk me out of looking at entry level BMW leases!
.00162 MF and 56% residual for 36mo, 15K/yr
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.00162 MF and 59% residual for 36mo, 10K/yr
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Hi
Currently been offered this at dealer in NY
2015 VW GTI 4 Door SE automatic
3 year lease
12,000 miles a year
$2,653 down
MSRP $30,405
Invoice $29,281
Selling Price $29,281
Residual value 58%
Money factor .00162
401 a month
What do you think?
With your MSRP and selling price, I get a pre-tax payment of $399.51, so if your quote of $401 includes tax, I think it's pretty good.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Without knowing the MSRP or the selling price, we can't model a payment for you.
I don't have the credit score breakdown for VW, but tier B adds .00030 to the MF.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4