2015 BMW X5 Lease Questions

Michaell

hk007 said:

Michaell said:

hk007 said:

Hi Michaell/kyfdx,

Any change in X5 programs for Nov? Is xDrive35i still 0.00129MF and 59% for 10k/36mo? Any holiday cash or 39mo program?

Thanks!

MF has crept up to .00130 for November. 62% for 39/10.

62% for 39mo for X5? Wow that's amazing!!! Are you sure it's not a typo?

That's a huge improvement. 3% increase for 39 months, not even 36!

Sorry, that was a typo. 59% this month for 39 months 10K miles per year.

hk007

Michaell said:

Hi Michaell/kyfdx, Any change in X5 programs for Nov? Is xDrive35i still 0.00129MF and 59% for 10k/36mo? Any holiday cash or 39mo program? Thanks!

MF has crept up to .00130 for November. 62% for 39/10.

62% for 39mo for X5? Wow that's amazing!!! Are you sure it's not a typo? That's a huge improvement. 3% increase for 39 months, not even 36!

Sorry, that was a typo. 59% this month for 39 months 10K miles per year.

Aha makes sense. Was too good to be true

39mo program at the same residual of 59% for 10k is still an improvement. Thanks. 

xodds

What is the November residual and MF for X5 35i, 12K/yr for 36 mos? Thanks.

Michaell

xodds said:

What is the November residual and MF for X5 35i, 12K/yr for 36 mos? Thanks.

The published rates for November are for 39 month terms.

.00130 and 58% for 39 months, 12K miles per year.

hk007

Bit confused here. Dealer seems to disagree, says there is no 39-month program on X5 :-/

Michaell

hk007 said:

Bit confused here. Dealer seems to disagree, says there is no 39-month program on X5 :-/

Try a different dealer and see if you get the same story or not.

hk007

Michaell said:

hk007 said:

Bit confused here. Dealer seems to disagree, says there is no 39-month program on X5 :-/

Try a different dealer and see if you get the same story or not.

2 different dealers now saying the same thing. "Every other model except for X3/X5 has a 39-month program".

Michaell

hk007 said:

Michaell said:

hk007 said:

Bit confused here. Dealer seems to disagree, says there is no 39-month program on X5 :-/

Try a different dealer and see if you get the same story or not.

2 different dealers now saying the same thing. "Every other model except for X3/X5 has a 39-month program".

I stand corrected .. just went back and took a closer look at the documents we have. X3 and X5 promotions are indeed for 36 months.

I must have a case of the Mondays....

trchicago

Michaell said:

hk007 said:

Michaell said:

hk007 said:

Bit confused here. Dealer seems to disagree, says there is no 39-month program on X5 :-/

Try a different dealer and see if you get the same story or not.

2 different dealers now saying the same thing. "Every other model except for X3/X5 has a 39-month program".

I stand corrected .. just went back and took a closer look at the documents we have. X3 and X5 promotions are indeed for 36 months.

I must have a case of the Mondays....

Are the rates correct, but just for 36mo instead of 39mo. I posted similar question on another post, just found this post. What are the 36mo rates and are there any incentives? Looking for 36/10k. Thanks

kyfdx

.00130 MF and 59% for 36 mo, 10K/yr

No 39 month program for the X5.

wlrdlr

What is the November residual and MF for X5 35d, 12K/yr and 10K/yr for 36 mos?
Is BMW offering any customer cash and/or loyalty money?
Is BMW offering any pull ahead program this month for BMW owners?
What discount off MSRP (or invoice) should I realistically expect to get on the X5 Diesel?
Thank you

kyfdx

wlrdlr said:

What is the November residual and MF for X5 35d, 12K/yr and 10K/yr for 36 mos?
Is BMW offering any customer cash and/or loyalty money?
Is BMW offering any pull ahead program this month for BMW owners?
What discount off MSRP (or invoice) should I realistically expect to get on the X5 Diesel?
Thank you

.00130 MF and 58%/59% residual.

No incentives, no pull ahead.

No idea what you can get, but the X5 is very popular and they don't have any trouble moving them..

papadoc8

For 2015 X-5 3.5i Fully loaded
Money Factor for November 2014

Incentives for X-5 model for November 2014
USAA
BMW Loyalty

Residuals: 10 K / 36
12 K / 36
15 K / 36

10 K / 24
12 K / 24
15 K / 36

Thank you! Your responses are very helpful!

kyfdx

papadoc8 said:

For 2015 X-5 3.5i Fully loaded
Money Factor for November 2014

Incentives for X-5 model for November 2014
USAA
BMW Loyalty

Residuals: 10 K / 36
12 K / 36
15 K / 36

10 K / 24
12 K / 24
15 K / 36

Thank you! Your responses are very helpful!

.00130 MF and 56% residual for 36mo, 15K/yr
.00130 MF and 62% residual for 24mo, 15K/yr

Add 2% for 12K/yr or 3% for 10K/yr

No incentives, no loyalty.. no idea about USAA

beoperson

I'm on the market for 2015 x5i/x5d. Anyone can share possible discount from the MSRP on x5i/x5d?
Car I'm looking to get is about 63K. Dealers are promising to match the true car offer of 68K ($5000 below) Has anyone gotten better deals?

Should I wait for December deals/Holiday cash etc.?

Michaell

beoperson said:

I'm on the market for 2015 x5i/x5d. Anyone can share possible discount from the MSRP on x5i/x5d?
Car I'm looking to get is about 63K. Dealers are promising to match the true car offer of 68K ($5000 below) Has anyone gotten better deals?

Should I wait for December deals/Holiday cash etc.?

Answered in the other thread ... however, BMW has introduced their holiday bonus cash this month.

ravenceo

Hi can you tell me what the money factor and residual rate is on a 2015 BMX X5
xDrive35i

Michaell

ravenceo said:

Hi can you tell me what the money factor and residual rate is on a 2015 BMX X5
xDrive35i

.00130 and 56% for 36/15.

ravenceo

thank

beoperson

Are residuals same for 3.5d and 3.5i ?

Michaell

beoperson said:

Are residuals same for 3.5d and 3.5i ?

Yes.

SBaldwin77

has anything changed yet. IS MF any lower? I'm looking for a 36/10K and would pull the trigger faster if MF was a bit lower or more incentives. Seems to be the sweet spot is 36 months at this MF. I actually want a shorter term .

kyfdx

SBaldwin77 said:

has anything changed yet. IS MF any lower? I'm looking for a 36/10K and would pull the trigger faster if MF was a bit lower or more incentives. Seems to be the sweet spot is 36 months at this MF. I actually want a shorter term .

No..nothing has changed. If you are waiting for incentives on a new X5, it is likely to be a long wait.

rerodgers

You have covered the 36/mo leases. What are the MF and residual value for a 48 month lease for 15K miles. I assume it will still be the 2/3% adjustments to RV for 12K & 10K at the 48 mo lease terms.

Thanks so much for all your help.

Michaell

rerodgers said:

You have covered the 36/mo leases. What are the MF and residual value for a 48 month lease for 15K miles. I assume it will still be the 2/3% adjustments to RV for 12K & 10K at the 48 mo lease terms.

Thanks so much for all your help.

46% for xDrive35i - 48/15. Yes, same mileage adjustments apply.

mateuz

Just ordered a vehicle and thought I'd share what I was able to get on my lease.

X5 xDrive35i
Luxury Line
Cold Weather
Premium Pkg
Rear View Camera
451-style 20" wheels
Alpine White, Black Dakota, Poplar Trim
MSRP $62,500
Selling Price $58485.15
Acq fee $725
Gov fees $155.45
Doc Fee $ 112
Taxes $2601

36 Months, 15K miles, 0.0013 MF, 56% RV with only the first payment due at signing (I rolled all the fees into the payment)

$875/month

They gave me three options as it relates to my $12K trade in.

Option 1: just cut a check for the $12K and have a payment of $875 (with all fees rolled into this payment)
Option 2: max out the security deposit ($5950) to reduce MF to 0.00081 and have payments at $824 with them cutting a check now of $5225.46 (and then getting my $5950 at the end of the lease)
Option 3: max out the security deposit, pay all the fees up front and have payments of $802 with them cutting a check now of $4457.80 (and then getting my $5950 at the end of the lease)

Any thoughts/suggestions on those options?

Michaell

mateuz said:

Just ordered a vehicle and thought I'd share what I was able to get on my lease.

X5 xDrive35i
Luxury Line
Cold Weather
Premium Pkg
Rear View Camera
451-style 20" wheels
Alpine White, Black Dakota, Poplar Trim
MSRP $62,500
Selling Price $58485.15
Acq fee $725
Gov fees $155.45
Doc Fee $ 112
Taxes $2601

36 Months, 15K miles, 0.0013 MF, 56% RV with only the first payment due at signing (I rolled all the fees into the payment)

$875/month

They gave me three options as it relates to my $12K trade in.

Option 1: just cut a check for the $12K and have a payment of $875 (with all fees rolled into this payment)
Option 2: max out the security deposit ($5950) to reduce MF to 0.00081 and have payments at $824 with them cutting a check now of $5225.46 (and then getting my $5950 at the end of the lease)
Option 3: max out the security deposit, pay all the fees up front and have payments of $802 with them cutting a check now of $4457.80 (and then getting my $5950 at the end of the lease)

Any thoughts/suggestions on those options?

I would recommend either option 2 or 3 .. the reduction in your payment due to the MSD will result in a nice return, since you'll get the $5950 back at the end of the lease.

kyfdx

rerodgers said:

You have covered the 36/mo leases. What are the MF and residual value for a 48 month lease for 15K miles. I assume it will still be the 2/3% adjustments to RV for 12K & 10K at the 48 mo lease terms.

Thanks so much for all your help.

BMW supported money factors are only applicable up to 42 month terms. Anything longer than that, and you have to use the standard money factor, which is higher.. 42 months is likely the longest term that would be viable.

rerodgers

I got a quote for a 36mo lease with 15K using a 57% residual value and a money factor of .00184 and 7% off MSRP. The price discount is good just about invoice, but the MF is horrible and the residual is 1% higher than stated in prior posts. Any thoughts about the higher residual?

Thanks for helping.

kyfdx

rerodgers said:

I got a quote for a 36mo lease with 15K using a 57% residual value and a money factor of .00184 and 7% off MSRP. The price discount is good just about invoice, but the MF is horrible and the residual is 1% higher than stated in prior posts. Any thoughts about the higher residual?

Thanks for helping.

Yeah... that's weird. Is the quote from November, or last month? I only ask because the MF was .00129 last month, which kind of fits in with .00184, if you add in markups.. and, maybe some waivers? (Acquisition fee waiver?).

The RWD model X5 (not common) has a residual of 57%.

rerodgers

No it's from this month, just yesterday. I am getting quotes all over the board with higher residual values and some lower. I got a quote with 54% residual for 36mo/15K miles. I also supposedly got a quote with a .0012 MF, but when I use that MF, I can't get to their listed payment. I didn't think they had any ability to change the residual factors. I thought those were strictly set by BMWFS, they were 3 years ago when I lease my last car. My guess is that they quote that to a customer (because they can just day that it's set by BMWFS) and then when they do the final paperwork they use the right residual value and then adjust the MF to get back to the payment they quoted (no where in the lease doc does it list the MF, just the $ of rent charge and most people don't know how to calculate it). I am very well versed in leasing because I used to work in the industry many years ago, so I know how to calculate a lease payment. No one seems to want to quote the buy rate of .0013, everyone is adding dealer participation to BMWFS base rate. The average consumer really needs to pay attention and I am afraid a lot of people are getting hosed.

Michaell

rerodgers said:

No it's from this month, just yesterday. I am getting quotes all over the board with higher residual values and some lower. I got a quote with 54% residual for 36mo/15K miles. I also supposedly got a quote with a .0012 MF, but when I use that MF, I can't get to their listed payment. I didn't think they had any ability to change the residual factors. I thought those were strictly set by BMWFS, they were 3 years ago when I lease my last car. My guess is that they quote that to a customer (because they can just day that it's set by BMWFS) and then when they do the final paperwork they use the right residual value and then adjust the MF to get back to the payment they quoted (no where in the lease doc does it list the MF, just the $ of rent charge and most people don't know how to calculate it). I am very well versed in leasing because I used to work in the industry many years ago, so I know how to calculate a lease payment. No one seems to want to quote the buy rate of .0013, everyone is adding dealer participation to BMWFS base rate. The average consumer really needs to pay attention and I am afraid a lot of people are getting hosed.

Agreed that the dealer is not allowed to modify the residual .. that is set by BMWFS.

Base MF for all BMW's in November is .00130, as noted above.

rerodgers

Turns out the one quote with 57% residual used the Sdrive not the Xdrive even though the invoice was for an XDrive. That explains the 57%. The other quote is at 54%, so I can't wait to hear what they have to say about that. I have MF quotes that go as high as .0017 MF and .00184.

Thanks for the help.

Michaell

rerodgers said:

Turns out the one quote with 57% residual used the Sdrive not the Xdrive even though the invoice was for an XDrive. That explains the 57%. The other quote is at 54%, so I can't wait to hear what they have to say about that. I have MF quotes that go as high as .0017 MF and .00184.

Thanks for the help.

.00170 is the maximum that the dealer can charge, I believe.

rr4mywife

HI Car_Man: do you have MF and residual for 2015 X5 5.0 … 12K/36M. Thanks

kyfdx

rr4mywife said:

HI Car_Man: do you have MF and residual for 2015 X5 5.0 … 12K/36M. Thanks

.00130 MF and 58% residual

rr4mywife

Thanks!!

beoperson

I've been offered yesterday during a black Friday following deal on 2015 X5 35i xDrive:

MSRP 61,900
Sale Price 54,850 this included BMW Drive for hunger $1000 discount.
This is the best deal so far. I'm about to pull the trigger.

Just wanted to share
Regards

kyfdx

beoperson said:

I've been offered yesterday during a black Friday following deal on 2015 X5 35i xDrive:

MSRP 61,900
Sale Price 54,850 this included BMW Drive for hunger $1000 discount.
This is the best deal so far. I'm about to pull the trigger.

Just wanted to share
Regards

Looks great.. Are you getting the base money factor?

mrast

2015 X5 X50i, Msport, cold weather, executive package. 36mo/15k year, 0 down, MSD (max), $1040/mo. Good deal?

beoperson

Yes Money Factor is 0.0013
But I got another offer today:
2014 35i xDrive
MSRP $64,950
Sale Price $57,450
This car has $3700 miles. Looks to me that this is even a better deal.
36M 10K @58% MF 0.0120

Not sure how these mile are calculated by the dealer in case of the lease?

kyfdx

mrast said:

2015 X5 X50i, Msport, cold weather, executive package. 36mo/15k year, 0 down, MSD (max), $1040/mo. Good deal?

What's the MSRP and selling price? Does that include tax? If so, what state and tax rate?

rastm

kyfdx said:

mrast said:

2015 X5 X50i, Msport, cold weather, executive package. 36mo/15k year, 0 down, MSD (max), $1040/mo. Good deal?

What's the MSRP and selling price? Does that include tax? If so, what state and tax rate?

A little convoluted but I was getting a quote of $1046 for an x50i with msport package, cold weather, spare tire, and rear shades with a MSRP of $74500 and a selling price of 71520 (4% off MSRP). This quote was with MSD of $7K and i think MF .00129. The tax rate was 6%.

I now have a $78800 MSRP @ the same price but with executive package at the same monthly payment.

kyfdx

rastm said:

kyfdx said:

mrast said:

2015 X5 X50i, Msport, cold weather, executive package. 36mo/15k year, 0 down, MSD (max), $1040/mo. Good deal?

What's the MSRP and selling price? Does that include tax? If so, what state and tax rate?

A little convoluted but I was getting a quote of $1046 for an x50i with msport package, cold weather, spare tire, and rear shades with a MSRP of $74500 and a selling price of 71520 (4% off MSRP). This quote was with MSD of $7K and i think MF .00129. The tax rate was 6%.

I now have a $78800 MSRP @ the same price but with executive package at the same monthly payment.

.00130 MF and 56% residual. With 7 MSDs, the money factor should be .00081, provided they aren't marking it up...

The first deal is $919/mo.+tax, assuming all other costs are paid upfront.. and the base MF with max MSDs.

rerodgers

Any updates to the Dec MF and residuals for 36/mo and 15K for X35i? Thanks.

senoromar

Hey guys,

I'm finally taking delivery of my 2015 xDrive35i this week after quite a wait. Any difference in the december MF/RV and are there any available incentives? I'm looking for 12k/yr, which I believe was 0.00130/58% last month.

Thanks!

Michaell

rerodgers said:

Any updates to the Dec MF and residuals for 36/mo and 15K for X35i? Thanks.

The BMW numbers are good until the end of the year ... .00130 MF and 56% for 36/15.

Michaell

senoromar said:

Hey guys,

I'm finally taking delivery of my 2015 xDrive35i this week after quite a wait. Any difference in the december MF/RV and are there any available incentives? I'm looking for 12k/yr, which I believe was 0.00130/58% last month.

Thanks!

Same for December .. BMW numbers are valid until the end of the year.

papadoc8

For 2015 X-5 3.5i Fully Loaded


Money Factor for December 2014


Residuals:

10k / 24
12k / 24
15k / 24

10k / 36
12k / 36
15k / 36

Incentives for X-5 model for December 2014

Thank you very much! Very, very helpful!

kyfdx

papadoc8 said:

For 2015 X-5 3.5i Fully Loaded


Money Factor for December 2014


Residuals:

10k / 24
12k / 24
15k / 24

10k / 36
12k / 36
15k / 36

Incentives for X-5 model for December 2014

Thank you very much! Very, very helpful!

.00130 MF and 62% residual for 24mo, 15K/yr. 56% residual for 36mo, 15K/yr
Add 2% for 12K or 3% for 10K/yr.

No incentives