2015 BMW 4-Series Lease Questions

kyfdx

stop211650 said:

Hi, one more question about my earlier post (435 gran coupe in California). The MF quoted by the dealer seems way too high. Are people in CA getting .00130?

From dealer: 36 mos lease 61% for 10k/yr or 60% for 12k/yr
39 mos lease 62% for 10k/yr or 61% for 12k/yr
MF .0017

Most BMW dealers mark up the money factor.. That's part of the negotiation. There are a lot of BMW dealers in CA... shop around.

kyfdx

terianx said:

I just got another quote from a dealer, how does this deal look? Any good?

MSRP of $56,525
Sale price$ 52,000

.0013 money factor

61% residual

39mo./12k miles per year
Fees up front - taxes rolled in
NY Reg zip 11214 - Brooklyn NY

Due at signing: $2,454.06
Monthly payment: $619.00

The vehicle as built has an MSRP of $56,525

Looks pretty good, assuming your tax rate is around 8%.

$1835 seems like a lot of fees, if the tax is in the payment, though..

terianx

kyfdx said:

I just got another quote from a dealer, how does this deal look? Any good?

MSRP of $56,525
Sale price$ 52,000

.0013 money factor

61% residual

39mo./12k miles per year
Fees up front - taxes rolled in
NY Reg zip 11214 - Brooklyn NY

Due at signing: $2,454.06
Monthly payment: $619.00

The vehicle as built has an MSRP of $56,525

Looks pretty good, assuming your tax rate is around 8%. $1835 seems like a lot of fees, if the tax is in the payment, though..

I know, the fees are first month payment, acquisition fee, registration, fuel fee, etc.

drdr3

Looking for money factors and residuals for a 428xi convertible and a 435xi convertible to compare. 10k mi./yr for 36 or 39 months whichever is a better offer. Obviously the holiday credit is gone. Any owner loyalty money or other incentives on either of these cars?

Thanks a bunch
DRP

Michaell

drdr3 said:

Looking for money factors and residuals for a 428xi convertible and a 435xi convertible to compare. 10k mi./yr for 36 or 39 months whichever is a better offer. Obviously the holiday credit is gone. Any owner loyalty money or other incentives on either of these cars?

Thanks a bunch
DRP

.00130 and 61% for 39/10. No incentives we are aware of.

rpmstock

Trying to find MF and residual for 2015 BMW 428i xdrive Gran Coupe Sedan 36 mth and 12k miles. Thx

Michaell

rpmstock said:

Trying to find MF and residual for 2015 BMW 428i xdrive Gran Coupe Sedan 36 mth and 12k miles. Thx

.00130 and 61% for 39 months and 12,000 miles

aong

Hi,

I got an offer for 2015 428i Coupe and I need some advise on this.

MSRP $50680
Selling Price $47235

39 months and 15k miles/year
MF 0.0013
Residual Value 58%

Drive off:$ 1975 (includes 1st month payment, Registration, Acquisition Fee, etc)

Monthly payment is $557 + 9% Tax = $607.

I am located at Southern California.

Should I go lower on the selling price? Is $45500 a reasonable price?

Thanks in advance

Michaell

aong said:

Hi,

I got an offer for 2015 428i Coupe and I need some advise on this.

MSRP $50680
Selling Price $47235

39 months and 15k miles/year
MF 0.0013
Residual Value 58%

Drive off:$ 1975 (includes 1st month payment, Registration, Acquisition Fee, etc)

Monthly payment is $557 + 9% Tax = $607.

I am located at Southern California.

Should I go lower on the selling price? Is $45500 a reasonable price?

Thanks in advance

My numbers match yours.

If you don't ask for the lower selling price, you won't know if the dealer will do it.

tonyscv

Looking for the residual % for 24 month leases for an M4 (2015). 10k annual miles. (and M3 as well if you have it)

Michaell

tonyscv said:

Looking for the residual % for 24 month leases for an M4 (2015). 10k annual miles. (and M3 as well if you have it)

.00130 MF for both

M3 - 68% for 24/10

M4 - 66% for 24/10

ryansiebecker

Does anyone have the residual and MF for a 435i Convertible? 36 mos./10,000 mi.

kyfdx

ryansiebecker said:

Does anyone have the residual and MF for a 435i Convertible? 36 mos./10,000 mi.

.00130 MF and 61% residual for 39 months, 10K/yr.

terianx

kyfdx said:

I have a question, what is the invoice price for a 2015 428xi gran coupe? I thought it was $38,915, according to edmunds. Now the dealer tells me it's $39,595. Is that correct?

The dealer is probably adding MACO (regional advertising fee) and the BMW training fee (around $200). Those are both on his invoice.

I'm referring to the base invoice, Edmund's has it listed as $38,915, the dealers I been working with has $39,525 and $39,415. I'm confused. Who has the actually invoice?

Michaell

terianx said:

kyfdx said:

terianx said:

I have a question, what is the invoice price for a 2015 428xi gran coupe? I thought it was $38,915, according to edmunds. Now the dealer tells me it's $39,595. Is that correct?

The dealer is probably adding MACO (regional advertising fee) and the BMW training fee (around $200). Those are both on his invoice.

I'm referring to the base invoice, Edmund's has it listed as $38,915, the dealers I been working with has $39,525 and $39,415. I'm confused. Who has the actually invoice?

I think they are both correct, though the Edmunds number may not include items that the dealer has on its paperwork.

I don't think $600 is that much to dicker over on $39K. Make a strong offer and see what the dealer says.

terianx

How much would this deal cost me monthly?

2015 audio sq5
Msrp $61330
Selling price 57,036.90
MF .00146
Residual 59%
New York tax.

Thanks

terianx

terianx said:

How much would this deal cost me monthly?

2015 audio sq5
Msrp $61330
Selling price 57,036.90
MF .00146
Residual 59%
New York tax.

Thanks

36/12k yrs.

terianx

terianx said:

terianx said:

How much would this deal cost me monthly?

2015 audio sq5
Msrp $61330
Selling price 57,036.90
MF .00146
Residual 59%
New York tax.

Thanks

36/12k yrs.

Oops, the MF should be .00126, not .00146

Michaell

terianx said:

terianx said:

terianx said:

How much would this deal cost me monthly?

2015 audio sq5
Msrp $61330
Selling price 57,036.90
MF .00146
Residual 59%
New York tax.

Thanks

36/12k yrs.

Oops, the MF should be .00126, not .00146

With the numbers you've provided, I calculate a pre-tax payment of $696.69/mo

vin16

Hi I am looking at a 2015 428xi convertible. It is equiped with metallic paint, premium package, and cold weather package. The MSRP is 55500 I was quoted a selling price of 52310 with a residual of 60% on a 39 month 12k mile lease. The money factor was .0014, total upfront of $841.63 and a payment of $686.63. My sales tax is 8% and is included in the payment. Any input on this offer would be appreciated. - clear

Michaell

vin16 said:

Hi I am looking at a 2015 428xi convertible. It is equiped with metallic paint, premium package, and cold weather package. The MSRP is 55500 I was quoted a selling price of 52310 with a residual of 60% on a 39 month 12k mile lease. The money factor was .0014, total upfront of $841.63 and a payment of $686.63. My sales tax is 8% and is included in the payment. Any input on this offer would be appreciated. - clear

Using the numbers you've provided, I'm getting a pre-tax payment of $607.29, after tax $655.87.

The base MF is .00130, which would save you about $10/mo.

The up front costs seem a bit low - usually it includes the acquisition fee, first payment and dealer fees.

vin16

Thanks for your information.
I believe that the acquisition fee was rolled into the deal. I will need to find out why the payment they quoted is different from yours.
Does the selling price seem to be fair.

Michaell

vin16 said:

Thanks for your information.
I believe that the acquisition fee was rolled into the deal. I will need to find out why the payment they quoted is different from yours.
Does the selling price seem to be fair.

The best deals show 6-7% off sticker .. you're pretty close.

cgonzalez3

@kyfd looking to get into a 2015 435i Gran coupe m sport. Whats the money factor ( buy rate) and residual for 36 and 39 months with 12k and 15k? Tier 1 credit. Thanks!

Michaell

cgonzalez3 said:

@kyfd looking to get into a 2015 435i Gran coupe m sport. Whats the money factor ( buy rate) and residual for 36 and 39 months with 12k and 15k? Tier 1 credit. Thanks!

.00130 and 59% for 39/15. 36 month residual 1% less this month. Add 2% for 12K.

terianx

Michaell said:

terianx said:

terianx said:

How much would this deal cost me monthly?

2015 audio sq5
Msrp $61330
Selling price 57,036.90
MF .00146
Residual 59%
New York tax.

Thanks

36/12k yrs.

Oops, the MF should be .00126, not .00146

With the numbers you've provided, I calculate a pre-tax payment of $696.69/mo

How about 39/12k for this vehicle?

Michaell

terianx said:

Michaell said:

terianx said:

terianx said:

terianx said:

How much would this deal cost me monthly?

2015 audio sq5
Msrp $61330
Selling price 57,036.90
MF .00146
Residual 59%
New York tax.

Thanks

36/12k yrs.

Oops, the MF should be .00126, not .00146

With the numbers you've provided, I calculate a pre-tax payment of $696.69/mo

How about 39/12k for this vehicle?

If you are asking about the Audi, can you please post in the correct discussion ... that way, everybody can benefit from the information.

bmwdoge

Hi, I am looking into leasing a 435i rwd. What is the money factor and residual for a 24mo/10k and 36mo/10k lease? I have Tier 1 credit. Thanks for the help!

Michaell

bmwdoge said:

Hi, I am looking into leasing a 435i rwd. What is the money factor and residual for a 24mo/10k and 36mo/10k lease? I have Tier 1 credit. Thanks for the help!

.00130 and 66% for 24/10 and 61% for 39/10

ryansiebecker

Could I have the residual for a 428i convertible? 10K/24mos 10K/39mos

kyfdx

ryansiebecker said:

Could I have the residual for a 428i convertible? 10K/24mos 10K/39mos

.00130 MF and 66%/61% residual.

aong

Hi,

I got another offer and would need some advise.

MSRP 52390
Selling price 47335
39 months/12k
MF 0.0013
Residual value 60%

About 1950 due at signing.

monthly payment 556.03

If I am doing 7 MSD, how much would my monthly payment be?

kyfdx

aong said:

Hi,

I got another offer and would need some advise.

MSRP 52390
Selling price 47335
39 months/12k
MF 0.0013
Residual value 60%

About 1950 due at signing.

monthly payment 556.03

If I am doing 7 MSD, how much would my monthly payment be?

MSDs would lower the payment by $39/mo.+tax

aong

kyfdx said:

aong said:

Hi,

I got another offer and would need some advise.

MSRP 52390
Selling price 47335
39 months/12k
MF 0.0013
Residual value 60%

About 1950 due at signing.

monthly payment 556.03

If I am doing 7 MSD, how much would my monthly payment be?

MSDs would lower the payment by $39/mo.+tax

Is the MSD based on the reduced monthly payment ($514) or based on $556? What is the total amount of 7 MSD I have to pay?

Michaell

aong said:

kyfdx said:

aong said:

Hi,

I got another offer and would need some advise.

MSRP 52390
Selling price 47335
39 months/12k
MF 0.0013
Residual value 60%

About 1950 due at signing.

monthly payment 556.03

If I am doing 7 MSD, how much would my monthly payment be?

MSDs would lower the payment by $39/mo.+tax

Is the MSD based on the reduced monthly payment ($514) or based on $556? What is the total amount of 7 MSD I have to pay?

Each MSD is the reduced monthly payment rounded up to the next $50, so $550 in your case, or $3850 total.

alexhe

I am looking at a 435i right now with Technology Package, Premium Package, M Sport and Driver Assistance Package, heated front seats and Harman Kardon Audio - MSRP $59,595.00 but I got a cap cost at $55,790.00. Saving 3800. Is it good enough? The LMF is 0.0013 (standard) and term is 39 with 61% residual.

ryansiebecker

Could I have the MRM for the 435i Convertible? Thanks!

Michaell

ryansiebecker said:

Could I have the MRM for the 435i Convertible? Thanks!

We don't have any MRM numbers for BMW.

aleigh71

Hi, I would be grateful for input as to whether I can do better on this deal. am looking at a 39/10 lease on a 435i x drive coupe with Tech, M Sport, Premium, Driver Assist, and Cold Weather. MSRP is $60,350. Tax here is 7.25%. The Dealer's offer is $725/month with everything rolled in except $380 in fees and first month's payment. Originally they were using a discount price of $58k but that was when the monthly payment was at $745. I am not sure of discount price since payment went down to $725. MF is 00130 and residual is 61%. Any thoughts? Thanks!

kyfdx

aleigh71 said:

Hi, I would be grateful for input as to whether I can do better on this deal. am looking at a 39/10 lease on a 435i x drive coupe with Tech, M Sport, Premium, Driver Assist, and Cold Weather. MSRP is $60,350. Tax here is 7.25%. The Dealer's offer is $725/month with everything rolled in except $380 in fees and first month's payment. Originally they were using a discount price of $58k but that was when the monthly payment was at $745. I am not sure of discount price since payment went down to $725. MF is 00130 and residual is 61%. Any thoughts? Thanks!

That is the base money factor and the correct residual.

If I add the $795 acquisition fee to the selling price for a CAP of $58,795, the payment is $688/mo.+tax, or about $738/mo. That's very close to your $745/mo.

$20/mo. saving is about $700 more off.. So, about a $3000 discount from MSRP... That's not a bad deal, if the dealership is giving you all base rates..

ryansiebecker

Bit of a strange request, but does anyone have the residuals for a 435i RWD convertible 39mos/7500mi? Thanks

kyfdx

ryansiebecker said:

Bit of a strange request, but does anyone have the residuals for a 435i RWD convertible 39mos/7500mi? Thanks

.00130 MF and 61% residual for 39mo, 10K/yr.

As far as I know, BMW doesn't do 7.5K/yr leases

ryansiebecker

Ok thanks, do you know if they do anything under 10K?

Michaell

ryansiebecker said:

Ok thanks, do you know if they do anything under 10K?

It doesn't look like it, from the information we have. You could ask your dealer, to be certain.

stever

Recent buyers and current shoppers, please take a moment to help us out on this quick poll:

What stage of the car buying process are you in right now?

Thanks!

ej76az

Hello. I was given the following offer for a 2015 428i with various packages and options, MSRP $52975: price $49575, term 39 mo., rate .0017, residual .61, acq fee $995, cash $2000, gov't fees $702, tax $2006, doc fee $489, monthly lease payment $667. This is an APR of 4.08%, which seems very unreasonable to me, but I'd appreciate some input. The BMW USA website shows a 428i lease for $419 which I think is 0% APR: http://www.bmwusa.com/standard/content/Vehicles/2015/4/428iCoupe/offerdetail.aspx?OfferType=2&namodelcode=154A&regiontypeid=2

Michaell

ej76az said:

Hello. I was given the following offer for a 2015 428i with various packages and options, MSRP $52975: price $49575, term 39 mo., rate .0017, residual .61, acq fee $995, cash $2000, gov't fees $702, tax $2006, doc fee $489, monthly lease payment $667. This is an APR of 4.08%, which seems very unreasonable to me, but I'd appreciate some input. The BMW USA website shows a 428i lease for $419 which I think is 0% APR: http://www.bmwusa.com/standard/content/Vehicles/2015/4/428iCoupe/offerdetail.aspx?OfferType=2&namodelcode=154A&regiontypeid=2

The base MF is .00130, so your dealer is marking up the MF on you for more profit. Acquisition fee is also marked up the max as well - base is $795.

You can do better ... is there another BMW dealer close by to work with?

ej76az

Michaell said:

ej76az said:

Hello. I was given the following offer for a 2015 428i with various packages and options, MSRP $52975: price $49575, term 39 mo., rate .0017, residual .61, acq fee $995, cash $2000, gov't fees $702, tax $2006, doc fee $489, monthly lease payment $667. This is an APR of 4.08%, which seems very unreasonable to me, but I'd appreciate some input. The BMW USA website shows a 428i lease for $419 which I think is 0% APR: http://www.bmwusa.com/standard/content/Vehicles/2015/4/428iCoupe/offerdetail.aspx?OfferType=2&namodelcode=154A&regiontypeid=2

The base MF is .00130, so your dealer is marking up the MF on you for more profit. Acquisition fee is also marked up the max as well - base is $795.

You can do better ... is there another BMW dealer close by to work with?

Thanks for the info. Yes, there are two others -- waiting to hear back from them.

Unfortunately I'll probably have to custom-order a 428i to make it affordable -- all the ones at the dealerships (including the one above) are way overloaded.

For a custom-ordered 428i, MSRP $46750 (M Sport Package + leather, which is all I want), he made the following offer (no other details given): $588/mo., price = invoice + $500, term 39 mo., $2000 "total drive off" (whatever that means). But when I use the Edmunds calculator, I get $499/mo, based on: $44355 price (invoice + $500), 61% residual, $0 down, 0% APR, 39 mo., 10k mi, $795 acq. fee. I realize that doesn't account for sales tax, title, etc., but still.

Michaell

ej76az said:

Michaell said:

ej76az said:

Hello. I was given the following offer for a 2015 428i with various packages and options, MSRP $52975: price $49575, term 39 mo., rate .0017, residual .61, acq fee $995, cash $2000, gov't fees $702, tax $2006, doc fee $489, monthly lease payment $667. This is an APR of 4.08%, which seems very unreasonable to me, but I'd appreciate some input. The BMW USA website shows a 428i lease for $419 which I think is 0% APR: http://www.bmwusa.com/standard/content/Vehicles/2015/4/428iCoupe/offerdetail.aspx?OfferType=2&namodelcode=154A&regiontypeid=2

The base MF is .00130, so your dealer is marking up the MF on you for more profit. Acquisition fee is also marked up the max as well - base is $795.

You can do better ... is there another BMW dealer close by to work with?

Thanks for the info. Yes, there are two others -- waiting to hear back from them.

Unfortunately I'll probably have to custom-order a 428i to make it affordable -- all the ones at the dealerships (including the one above) are way overloaded.

For a custom-ordered 428i, MSRP $46750 (M Sport Package + leather, which is all I want), he made the following offer (no other details given): $588/mo., price = invoice + $500, term 39 mo., $2000 "total drive off" (whatever that means). But when I use the Edmunds calculator, I get $499/mo, based on: $44355 price (invoice + $500), 61% residual, $0 down, 0% APR, 39 mo., 10k mi, $795 acq. fee. I realize that doesn't account for sales tax, title, etc., but still.

Yep, I'm getting $500.82/mo with your numbers and the .00130 base MF. Have the dealer give you the net cap cost - if it's different than the selling price, make them explain how they got from one to the other.

The $2000 drive off probably includes acquisition fee, first months payment, tags/license.

ej76az

Michaell said:

ej76az said:

Michaell said:

ej76az said:

Hello. I was given the following offer for a 2015 428i with various packages and options, MSRP $52975: price $49575, term 39 mo., rate .0017, residual .61, acq fee $995, cash $2000, gov't fees $702, tax $2006, doc fee $489, monthly lease payment $667. This is an APR of 4.08%, which seems very unreasonable to me, but I'd appreciate some input. The BMW USA website shows a 428i lease for $419 which I think is 0% APR: http://www.bmwusa.com/standard/content/Vehicles/2015/4/428iCoupe/offerdetail.aspx?OfferType=2&namodelcode=154A&regiontypeid=2

The base MF is .00130, so your dealer is marking up the MF on you for more profit. Acquisition fee is also marked up the max as well - base is $795.

You can do better ... is there another BMW dealer close by to work with?

Thanks for the info. Yes, there are two others -- waiting to hear back from them.

Unfortunately I'll probably have to custom-order a 428i to make it affordable -- all the ones at the dealerships (including the one above) are way overloaded.

For a custom-ordered 428i, MSRP $46750 (M Sport Package + leather, which is all I want), he made the following offer (no other details given): $588/mo., price = invoice + $500, term 39 mo., $2000 "total drive off" (whatever that means). But when I use the Edmunds calculator, I get $499/mo, based on: $44355 price (invoice + $500), 61% residual, $0 down, 0% APR, 39 mo., 10k mi, $795 acq. fee. I realize that doesn't account for sales tax, title, etc., but still.

Yep, I'm getting $500.82/mo with your numbers and the .00130 base MF. Have the dealer give you the net cap cost - if it's different than the selling price, make them explain how they got from one to the other.

The $2000 drive off probably includes acquisition fee, first months payment, tags/license.

I'm getting push-back from salesmen at two different dealers about whether it's 0% APR in that BMW USA lease deal in the webpage linked above. When I plug the data from that webpage into the Edmunds lease calculator, the only money factor that works is 0. See attachment. Am I doing something wrong?