2015 BMW 3-Series Lease Questions

woahgurt

Use this handy dandy article to build your own lease calculator:

http://www.edmunds.com/car-leasing/calculate-your-own-lease-payment.html

thanks, Two thumbs up

woahgurt

Alrighty, so hopefully this is my final question. Aside from interest and tax on a monthly payment, are there any other monthly fees? Thanks for all of the help.

Michaell

woahgurt said:

Alrighty, so hopefully this is my final question. Aside from interest and tax on a monthly payment, are there any other monthly fees? Thanks for all of the help.

Nope.. the depreciation part of the payment is based on the net cap cost, which may or may not include any up front fees you decided to roll in.

Add interest ("rent charge" for a lease) and tax, and you have your monthly payment.

woahgurt

Michaell said:

woahgurt said:

Alrighty, so hopefully this is my final question. Aside from interest and tax on a monthly payment, are there any other monthly fees? Thanks for all of the help.

Nope.. the depreciation part of the payment is based on the net cap cost, which may or may not include any up front fees you decided to roll in.

Add interest ("rent charge" for a lease) and tax, and you have your monthly payment.

Great! I will more than likely pay those upfront fees instead of rolling them into my payments. Thanks for all of your help. I am looking at roughly $400 a mo. for a 40,664 sell price. Pretty fair?

Michaell

woahgurt said:

Michaell said:

woahgurt said:

Alrighty, so hopefully this is my final question. Aside from interest and tax on a monthly payment, are there any other monthly fees? Thanks for all of the help.

Nope.. the depreciation part of the payment is based on the net cap cost, which may or may not include any up front fees you decided to roll in.

Add interest ("rent charge" for a lease) and tax, and you have your monthly payment.

Great! I will more than likely pay those upfront fees instead of rolling them into my payments. Thanks for all of your help. I am looking at roughly $400 a mo. for a 40,664 sell price. Pretty fair?

What's the MSRP?

tusharbmw

tusharbmw said:

Here is the quote I got for 2015 328i xdrive : MRSP: 48150
selling price: 43543

MF: 0.00129
residual: 72% (2yr/10k)
state: NJ (7% sales tax)

down: 3159 (includes tax,dmv fee, acquisition fee(995) + first payment)
monthly installment: 504 (2yrs/10k)

Does the calculations look good? Where can I find the inventory price based on which i can negotiate? what should be my target price?

Appreciate your help.

btw here is my calculations:(2yr/10k)
msrp 48150
residual 72%
residual value 34668
net cap cost 43543
depreciation 8875
no of months 24
dep per month 369.7916666667
net cap cost+ residual 78211
money factor 0.00129
MF monthly 100.89219
total monthly 470.6838566667


so was not sure what is difference b/w quoted monthly : 504 vs my calculation: 470. Am I doing something wrong?
here are the other fees breakup which i am going to pay down.
first month payment 504
bank fee 995
doc fee 395
tax 1113
reg fee 150
total down 3157


Regards

kyfdx

tusharbmw said:

tusharbmw said:

Here is the quote I got for 2015 328i xdrive : MRSP: 48150
selling price: 43543

MF: 0.00129
residual: 72% (2yr/10k)
state: NJ (7% sales tax)

down: 3159 (includes tax,dmv fee, acquisition fee(995) + first payment)
monthly installment: 504 (2yrs/10k)

Does the calculations look good? Where can I find the inventory price based on which i can negotiate? what should be my target price?

Appreciate your help.

btw here is my calculations:(2yr/10k)
msrp 48150
residual 72%
residual value 34668
net cap cost 43543
depreciation 8875
no of months 24
dep per month 369.7916666667
net cap cost+ residual 78211
money factor 0.00129
MF monthly 100.89219
total monthly 470.6838566667


so was not sure what is difference b/w quoted monthly : 504 vs my calculation: 470. Am I doing something wrong?
here are the other fees breakup which i am going to pay down.
first month payment 504
bank fee 995
doc fee 395
tax 1113
reg fee 150
total down 3157


Regards

If they were marking up the money factor the max to .00169, then the payment would be $31/mo. higher.. so, that might be something to check on.

Your math is correct.

bhutanin1

Signed this weekend, felt it was an average deal and happy with the outcome.

2015 BMW 335xi
36 months, 10k miles per year

MSRP 57,375
Sale Price and cap cost: 53,427
Fees and Tax paid upfront - 3,941
Monthly $550 per month

Michaell

bhutanin1 said:

Signed this weekend, felt it was an average deal and happy with the outcome.

2015 BMW 335xi
36 months, 10k miles per year

MSRP 57,375
Sale Price and cap cost: 53,427
Fees and Tax paid upfront - 3,941
Monthly $550 per month

The thrill of driving your new BMW will last much longer than any feelings you have about the strength of the deal you made. Enjoy!

hillestadk

I'm not sure this is going to the correct forum, but I am currently helping my niece lease a 328i. Her dad wants to do a lump sum lease and pay it all at once. I understand the advantage is that there will be no "rent charge" but can someone explain to me what would happen if the car is totaled or stolen? I've always lived by the philosophy that you put as close to zero out of pocket for a lease because you wont get it back if you total it on the way home from the dealer.
Thanks in advance.

rktmn00

Hello,

I am looking into leasing a 2015 335xi. Will you please provide MF and residual for a lease based on following:
- 24 month/15k
- 24 month/12k

Also, what is the standard acquisition fee, I've seen $795 & $995? Thanks in advance...

Michaell

rktmn00 said:

Hello,

I am looking into leasing a 2015 335xi. Will you please provide MF and residual for a lease based on following:
- 24 month/15k
- 24 month/12k

Also, what is the standard acquisition fee, I've seen $795 & $995? Thanks in advance...

.00129 and 69% for 24/15. Add 2% for 12K. $1000 anniversary credit.

Base acquisition fee is $795.

joesao

Hi Michaell,

I wanted to confirm the MF / residual for a 328i with 10k miles and a 36-month lease in South Florida please?

Secondly, they're starting to offer 7.5k mile leases here; what's the residual for same car and same lease length with that mileage?

Thanks a lot.

Michaell

joesao said:

Hi Michaell,

I wanted to confirm the MF / residual for a 328i with 10k miles and a 36-month lease in South Florida please?

Secondly, they're starting to offer 7.5k mile leases here; what's the residual for same car and same lease length with that mileage?

Thanks a lot.

.00129 and 66% for 36/10. Add 1% for 7500 miles.

pruck0107

Michaell said:

What is the selling price / cap cost?

Unsure to be completely honest, based on the deal I put together from info here, I was using $57000 as cap cost. I just emailed my salesman about the updated deals as my car is still not on the boat and payment actually dropped to $642, my assumption is they are being extremely transparent being that I didn't look in to the $1000 credit and only the money factor/residual change for May which brought my calculation to $651.xx....and I told them as much.
First BMW leasing experience is a HUGE positive so far and it's a credit to the information you guys provide. 6 months ago I was going to be happy paying $649/mo on a loaded 328 with $3000 down!

kyfdx

hillestadk said:

I'm not sure this is going to the correct forum, but I am currently helping my niece lease a 328i. Her dad wants to do a lump sum lease and pay it all at once. I understand the advantage is that there will be no "rent charge" but can someone explain to me what would happen if the car is totaled or stolen? I've always lived by the philosophy that you put as close to zero out of pocket for a lease because you wont get it back if you total it on the way home from the dealer.
Thanks in advance.

Actually, there will still be a rent charge... It will just be incorporated into the single-payment. At this time, I don't think BMW offers a money factor discount for a prepaid lease. You'd be much better off using the MSD program, though you'll still have monthly payments.

The calculations on a one-pay lease aren't really intuitive. In general, the money factor is reduced, in exchange for paying the lease upfront. But, it's calculated as a normal lease, just with the reduced money factor. The new, lower payment is multiplied by the lease term, and that is the single-payment.

Unlike a big CAP cost reduction, if the car is totaled, it's assumed that the payments have been paid monthly, and the unused portion of the single-payment is refunded.

But, as noted above, BMWFS isn't giving any discounts for single-payment leases at this time.

omaralt

do you have the numbers for a 36 month 12k miles/yr lease on a 328d xdrive wagon? thanks

kyfdx

omaralt said:

do you have the numbers for a 36 month 12k miles/yr lease on a 328d xdrive wagon? thanks

.00129 MF and 63% residual. $500 eco credit + $1000 anniversary credit.

amsen

2015 328i xdrive
MSRP: 44700
Selling price: 39062
MF: 0.00080(7 MSDs to bring down the MF)
Residual: 66%(36/10k)
Tax rate: 9%
Down: 0
Due at signing: 2110(Bank fee, doc fee, dmv, 1st month payment)
Monthly payment: $319 plus tax

hope i did well.

Michaell

amsen said:

2015 328i xdrive
MSRP: 44700
Selling price: 39062
MF: 0.00080(7 MSDs to bring down the MF)
Residual: 66%(36/10k)
Tax rate: 9%
Down: 0
Due at signing: 2110(Bank fee, doc fee, dmv, 1st month payment)
Monthly payment: $319 plus tax

hope i did well.

Yep! Congrats

amsen

Michaell said:

amsen said:

2015 328i xdrive
MSRP: 44700
Selling price: 39062
MF: 0.00080(7 MSDs to bring down the MF)
Residual: 66%(36/10k)
Tax rate: 9%
Down: 0
Due at signing: 2110(Bank fee, doc fee, dmv, 1st month payment)
Monthly payment: $319 plus tax

hope i did well.

Yep! Congrats

Thanks to this forum and the mods

jgalindo1224jg

328i xDrive SULEV

Msrp 42000 including 950 destination fee 
Sale price $38,380*
what number would i look at 36 month 12k?
residual value ? Money factor?

Michaell

jgalindo1224jg said:

328i xDrive SULEV

Msrp 42000 including 950 destination fee 
Sale price $38,380*
what number would i look at 36 month 12k?
residual value ? Money factor?

.00129 MF and 65% residual.

With your MSRP and selling price, I get a pre-tax payment of $392.50.

gregw5

Anyone have june lease numbers yet? 36 mos / 10k miles per year.

Michaell

gregw5 said:

Anyone have june lease numbers yet? 36 mos / 10k miles per year.

Not yet. 

stewen12

Can someone help my figure out if this is a good deal?
MSRP: 42,550
Preferred Customer Discount: 4,550
Selling Price: 38,000
+ fees, tax
= Out the Door: 41,530.18

As for the lease deal, I am putting $2000 down and putting down a 7 month security deposit payment of $2,450 (returned to me at the end of the lease)

36 month lease, 10k miles, 332.79 a month including tax (311.02 base payment)

Not sure about the MF but i believe the residual is 66%

Any help would be most appreciated!

Michaell

stewen12 said:

Can someone help my figure out if this is a good deal?
MSRP: 42,550
Preferred Customer Discount: 4,550
Selling Price: 38,000
+ fees, tax
= Out the Door: 41,530.18

As for the lease deal, I am putting $2000 down and putting down a 7 month security deposit payment of $2,450 (returned to me at the end of the lease)

36 month lease, 10k miles, 332.79 a month including tax (311.02 base payment)

Not sure about the MF but i believe the residual is 66%

Any help would be most appreciated!

I confirm 66% for 36/10 on the 328i or 328xi. MF is .00129; .00080 after 7 MSD.

However, I can't get to the payment you're being quoted. Using $42,550 as the MSRP and $39,530 as the net cap cost (assuming the entire $2K is going to cap cost reduction), and the .00080 MF, I get a pre-tax payment of $372.06. Not sure how the dealer is saving you $1500; ask them to show you the math.

stewen12

I confirm 66% for 36/10 on the 328i or 328xi. MF is .00129; .00080 after 7 MSD.

However, I can't get to the payment you're being quoted. Using $42,550 as the MSRP and $39,530 as the net cap cost (assuming the entire $2K is going to cap cost reduction), and the .00080 MF, I get a pre-tax payment of $372.06. Not sure how the dealer is saving you $1500; ask them to show you the math.

I forgot to add that I have a $1000 graduation rebate. The salesman also indicated that BMW would be taking a ~$500 loss on the vehicle. (Not sure how true that is)

But is there any way to make this deal any betteR?

Michaell

stewen12 said:

I confirm 66% for 36/10 on the 328i or 328xi. MF is .00129; .00080 after 7 MSD.

However, I can't get to the payment you're being quoted. Using $42,550 as the MSRP and $39,530 as the net cap cost (assuming the entire $2K is going to cap cost reduction), and the .00080 MF, I get a pre-tax payment of $372.06. Not sure how the dealer is saving you $1500; ask them to show you the math.

I forgot to add that I have a $1000 graduation rebate. The salesman also indicated that BMW would be taking a ~$500 loss on the vehicle. (Not sure how true that is)

But is there any way to make this deal any betteR?



If you're maxing out the MSD, the only way to make the deal better is to negotiate a lower selling price.

Patelshivam94

Can I get the May numbers please for:

2015 328i xDrive 
2015 328i Diesel xDrive
2015 328i xDrive GT
2015 428i xDrive 

36 Months / 15K Miles per year.

Thank You.

EDIT: Please provide 24 months as well, if more favorable. Thanks, in advance.

Michaell

Patelshivam94 said:

Can I get the May numbers please for:

2015 328i xDrive 
2015 328i Diesel xDrive
2015 328i xDrive GT
2015 428i xDrive 

36 Months / 15K Miles per year.

Thank You.

EDIT: Please provide 24 months as well, if more favorable. Thanks, in advance.

.00129 MF for all

328ix - 63% and $1000 anniversary credit
328dx - 62% and $1000 anniversary credit + $500 eco credit
328ix GT - 62% and $1000 anniversary credit
428ix - 59%

36 months is the sweet spot this month.

gregw5

June is tomorrow! Any idea of the lease numbers for 335i 36mos / 10k miles per year?

Michaell

gregw5 said:

June is tomorrow! Any idea of the lease numbers for 335i 36mos / 10k miles per year?

.00128 and 66%. $1000 option credit.

balme

Greetings everyone. Not sure if available yet, but looking June numbers for 328i xdrive?

Thanks!

Michaell

balme said:

Greetings everyone. Not sure if available yet, but looking June numbers for 328i xdrive?

Thanks!

Limited info so far .. .00128 and 66% for 36/10. $1000 option credit.

brian1

Hello, Looking for June numbers on 2015 335I XDRIVE 36mo 12k

thanks

Michaell

brian1 said:

Hello, Looking for June numbers on 2015 335I XDRIVE 36mo 12k

thanks

.00128 and 65%. $1000 lease credit.

austinla

Residual for 36/10 on 328i vs 328 d in both sedan and sports wagon configurations, please. I'm shopping demo/lease loaner vehicles and looking to absorb $11,500 negative equity in a 36/10 lease. We've gotten close over the phone on a few, believe it or not, so having MF and residuals for June will be very helpful.

328d xdrive
328i xdrive
328d sport wagon
328i sport wagon
328i xdrive GT

kyfdx

austinla said:

Residual for 36/10 on 328i vs 328 d in both sedan and sports wagon configurations, please. I'm shopping demo/lease loaner vehicles and looking to absorb $11,500 negative equity in a 36/10 lease. We've gotten close over the phone on a few, believe it or not, so having MF and residuals for June will be very helpful.

328d xdrive
328i xdrive
328d sport wagon
328i sport wagon
328i xdrive GT

.00128 MF for all. $1000 Anniversary credit.

328xi: 66%
328xd: 65%
328GT: 65%
328i wagon: 65%
328d wagon 64%

$500 eco credit additional on the diesels

jeffro83

Hey guys.... I have been anxiously waiting and planning on getting a new bmw after paying off student loans for the last 2.5 years. Now completely out of debt, I went to see what kind of deal I could get and here is what we settled on. I'm hoping you can tell me if I got a good deal or not.... Keep in mind I know the base MF is .00129, but I also know my credit score falls somewhere between 670-690, so I wasn't sure if I could get that. I think a .00149 MF represents a difference of $10-15 per month from the .00129.

Lease

2015 328i
Mineral White w/ saddle brown leather

MSRP: 48,735
Selling Price: 44,251
+ fees,
-$2000 for trade in
MF: .00149
Residual: .65

Texas sales tax of 6.25%

36 mo/12k miles



Will write check for $1507 out the door with first months payment included, 35 more payments of $485 even (tax is included on that number)

After I had left the dealership, leaving with an offer of $2000 out the door and a payment around $530 (which I knew was significantly higher than it should've been) I called back and offered a check for $1500 and 475 a month. Within 5 minutes they called me back and offered the $1507 and $485 and I took it. The discount from MSRP was over 9%, which seems to be a pretty steep discount (isn't 5-7% good to shoot for?). Just wanted to see what those of you with more experience think.

It's my first ever lease, and I have spent so many hours on these (and other forums) trying to make sure I got a decent deal. They are detailing it for me in the morning and I will pick it up tomorrow afternoon, so let me know of anything else I should be wary of or ask about. Thanks!

kyfdx

jeffro83 said:

Hey guys.... I have been anxiously waiting and planning on getting a new bmw after paying off student loans for the last 2.5 years. Now completely out of debt, I went to see what kind of deal I could get and here is what we settled on. I'm hoping you can tell me if I got a good deal or not.... Keep in mind I know the base MF is .00129, but I also know my credit score falls somewhere between 670-690, so I wasn't sure if I could get that. I think a .00149 MF represents a difference of $10-15 per month from the .00129.

Lease

2015 328i
Mineral White w/ saddle brown leather

MSRP: 48,735
Selling Price: 44,251
+ fees,
-$2000 for trade in
MF: .00149
Residual: .65

Texas sales tax of 6.25%

36 mo/12k miles



Will write check for $1507 out the door with first months payment included, 35 more payments of $485 even (tax is included on that number)

After I had left the dealership, leaving with an offer of $2000 out the door and a payment around $530 (which I knew was significantly higher than it should've been) I called back and offered a check for $1500 and 475 a month. Within 5 minutes they called me back and offered the $1507 and $485 and I took it. The discount from MSRP was over 9%, which seems to be a pretty steep discount (isn't 5-7% good to shoot for?). Just wanted to see what those of you with more experience think.

It's my first ever lease, and I have spent so many hours on these (and other forums) trying to make sure I got a decent deal. They are detailing it for me in the morning and I will pick it up tomorrow afternoon, so let me know of anything else I should be wary of or ask about. Thanks!

There is a $1000 anniversary incentive on this model, this month. But, your discount before subtracting the $1000 is still over 7%, so that's good..

Base MF this month is .00128. Doesn't seem as though you are sure the bump is for credit rating or just a profit markup, though.

Your payment looks about right, with taxes.. As you noted, the money factor increase is about $16/mo.

jaysarr

Hello, I'm planning to lease a BMW and deciding between a 320i or a 328i ...10K miles and 36mo lease. Could you please let me know the MF and Residual on these cars? Is the $1,000 anniversary credit on a 320i as well? I believe the MF on the 328i is 0.00128..same for 320i? Residual on 328 10K miles is 66%? For 320i? Thank you!

kyfdx

jaysarr said:

Hello, I'm planning to lease a BMW and deciding between a 320i or a 328i ...10K miles and 36mo lease. Could you please let me know the MF and Residual on these cars? Is the $1,000 anniversary credit on a 320i as well? I believe the MF on the 328i is 0.00128..same for 320i? Residual on 328 10K miles is 66%? For 320i? Thank you!

.00128 MF and $1000 Anniversary credit on both models.

65% residual for 320i, 66% residual for 328i

liftem95

Can you guys check this lease deal?

2015 320i
MSRP $40110
Selling Price $35,565 (includes $1,000 innovation credit)
Total Capitalized Cost $35,565
36 months 10K/year
Residual 65%
Money factor .00128
Residual Value $26,071.50
Total Depreciation $8,493.50
Capital Reduction $1,000.00
Monthly Depreciation $235.93
Monthly Rent $77.61
Monthly payment + (9% tax) $341.76
Capital Reduction $1,000.00
Cap Reduction Tax (9%) $168.75
License & Registration $366.00
Bank Fee $795.00
Documentation Fee $80.00
First Payment $341.76
Security Deposit $0.00

Drive Off $2,751.52
UDE Rebate $1,000.00

Due at Signing $1,751.52

nsada

What is the difference in residual between 36/10 and 36/12? Please provide residual and MF - 36/12K miles - for 328xi and 328xi GT. Also, in addition to the $1,000 anniversary incentive are there other incentives/rebates to take advantage off in June? Thanks.

kyfdx

liftem95 said:

Can you guys check this lease deal?

2015 320i
MSRP $40110
Selling Price $35,565 (includes $1,000 innovation credit)
Total Capitalized Cost $35,565
36 months 10K/year
Residual 65%
Money factor .00128
Residual Value $26,071.50
Total Depreciation $8,493.50
Capital Reduction $1,000.00
Monthly Depreciation $235.93
Monthly Rent $77.61
Monthly payment + (9% tax) $341.76
Capital Reduction $1,000.00
Cap Reduction Tax (9%) $168.75
License & Registration $366.00
Bank Fee $795.00
Documentation Fee $80.00
First Payment $341.76
Security Deposit $0.00

Drive Off $2,751.52
UDE Rebate $1,000.00

Due at Signing $1,751.52

Looks really good..

kyfdx

nsada said:

What is the difference in residual between 36/10 and 36/12? Please provide residual and MF - 36/12K miles - for 328xi and 328xi GT. Also, in addition to the $1,000 anniversary incentive are there other incentives/rebates to take advantage off in June? Thanks.

36/10 residual is 1% higher than 36/12 residual.

.00128 MF and 65% residual for the sedan, 64% residual for the GT.

No other incentives that we know of.

ezew

Initial offer I got for a 2015 320i:

MSRP: 34565
Initial Cap Cost: 30125
Cap Cost Down: 263.36
Adjusted Cap Cost: 30856.64
Residual 65%: 22467.25
MF: 0.00079 (with 7 MSD's purchased)
Payment: $299.xx including tax

Other Fees:
Total Upft/Acq Fee: 116
Total Add Cap Cost: 995
License Fee: 297
Cap Cost Reduction: 263.36
Cap Cost Tax: 23.70

The worksheet he sent me is slightly confusing as it's slightly more complicated on the wording than I'm used to from my last lease (e.g. Total Add Cap Cost = Bank Fee?)

It seems the "Total Add Cap Cost" which I'm guessing is the Bank Fee is rolled into the Adjusted Cap Cost (but it doesn't state that on the worksheet). Is this normal practice?

Could I get some input on this? TIA!

kyfdx

ezew said:

Initial offer I got for a 2015 320i:

MSRP: 34565
Initial Cap Cost: 30125
Cap Cost Down: 263.36
Adjusted Cap Cost: 30856.64
Residual 65%: 22467.25
MF: 0.00079 (with 7 MSD's purchased)
Payment: $299.xx including tax

Other Fees:
Total Upft/Acq Fee: 116
Total Add Cap Cost: 995
License Fee: 297
Cap Cost Reduction: 263.36
Cap Cost Tax: 23.70

The worksheet he sent me is slightly confusing as it's slightly more complicated on the wording than I'm used to from my last lease (e.g. Total Add Cap Cost = Bank Fee?)

It seems the "Total Add Cap Cost" which I'm guessing is the Bank Fee is rolled into the Adjusted Cap Cost (but it doesn't state that on the worksheet). Is this normal practice?

Could I get some input on this? TIA!

With that adjusted CAP cost, I get $275/mo.+tax, so $299/mo.looks right, assuming approx 8% tax rate.

What you don't list is the amount due at signing. I'd guess all those "other fees", plus the $2100 in MSDs, plus 1st payment are all due at signing. (minus the acq.fee..that looks to be in the CAP?)

Total Add Cap: Looks like a marked-up acquisition fee ($795 base). Hopefully, that's in the payment.
Cap cost reduction: Downpayment included in your due at signing, to get the payment under $300.
Cap Cost tax: Any amounts paid upfront have to be taxed upfront.

So, is your "due at signing"
$299 1st payment
$2100 MSDs
$700 other fees/CCR

If it's $3100 upfront and $299/mo, that's a great deal... Especially with $2100 coming back at lease end.

ezew

With that adjusted CAP cost, I get $275/mo.+tax, so $299/mo.looks right, assuming approx 8% tax rate.

What you don't list is the amount due at signing. I'd guess all those "other fees", plus the $2100 in MSDs, plus 1st payment are all due at signing. (minus the acq.fee..that looks to be in the CAP?)

Total Add Cap: Looks like a marked-up acquisition fee ($795 base). Hopefully, that's in the payment.
Cap cost reduction: Downpayment included in your due at signing, to get the payment under $300.
Cap Cost tax: Any amounts paid upfront have to be taxed upfront.

So, is your "due at signing"
$299 1st payment
$2100 MSDs
$700 other fees/CCR

If it's $3100 upfront and $299/mo, that's a great deal... Especially with $2100 coming back at lease end.

Thanks for the response. You nailed it exactly as it is $3100 up front ($2100 of it on MSD, $263.36 cap cost reduction, rest are fees)

So my question is it normal practice for BMW to include the "Total Add Cap" (guessing Acq Fee) into the CAP cost? Because excluding it and paying it as a one time fee would lower the payment.

This was just the initial offer I got without negotiating was a bit skeptical if it was a good deal or not.

Thanks!