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## Comments

28Dealer says - Adjusted cap cost 40043, Money factor .00075

191,614Seems like they were just trying to keep it under $500/mo to get you to take it, and marked up the money factor, so they could just squeeze under.

Something around $450-$475/mo. would be fair, I think.

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Edmunds Moderator4msrp 43,320, 36/12k lease - 2,400 drive off ,360/month. how much better can I do?

282017 IS 200t with premium package, Nav MSRP $43,943, 36/10k lease offer- $0 down, $0 first month payment. 499/month in AZ. Good deal?

Dealer says - Adjusted cap cost 40043, Money factor .00075

Considering the $2000 lease cash, it's just an okay deal, plus the money factor markup adds about $18/mo.

Seems like they were just trying to keep it under $500/mo to get you to take it, and marked up the money factor, so they could just squeeze under.

Something around $450-$475/mo. would be fair, I think.

-----

got this lease renegotiated today for $447/month after your feedback!!!! thanks!!!

191,614Edmunds Price Checker

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Edmunds Moderator191,614Edmunds Price Checker

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Edmunds Moderator4186,917Edmunds Price Checker

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

4186,917Our suggestion? Limit the up front cash to just the first payment and registration costs; add the doc and acq fees into the lease payment.

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

422Looking for 2017 IS 350 AWD F-Sport MF and RV in Seattle.

36 Months/ 10k Miles

Any Rebates? And does anyone know what is the lowest MF lexus finance allows by using MSD?

191,614$2750 lease cash

56% residual

Lexus does have an MSD program.

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Edmunds Moderator186,917Edmunds Price Checker

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

13I was quoted $418 per month, please advise

191,614Adjusted CAP cost?

State and tax rate?

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Edmunds Moderator2186,917$2750 lease cash

56% residual

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

142186,917Incentives are regional - and, we only have some of the data. Could be $3000 lease cash where you are.

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

186,917$2750 lease cash

With your prices, I get $378/mo plus tax for 36/12, assuming all other costs (fees, etc.) are paid up front.

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

112186,917$2750 lease cash

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

186,917Dealer doc fee

DMV or registration costs

Roll the first two into the selling price and add it to the monthly payment.

Pay the DMV costs up front, along with the first payment.

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

9IS 300 Black/Black F-Sport w/ Navigation

MSRP $46,825

Sell Price $43,498

Rebate $2,750

Residual is 55% = $25,753

MF is 0.00015 (The lowest current MF offered for the IS model)

36 months / 12,000 miles per year:

$2000 down = $473/month

$3000 down = $445/month

$4000 down = $416/month

186,917What state and tax rate?

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

9191,614If your local tax in PA is 6%, the tax on the lease payment will be 9%

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Edmunds Moderator12So, I went to my local Lexus Dealership today Kuni BMW OR, was offered $3500 discount and on top of that $3750 incentive($1000 RCG + $2750 lease cash). They were trying to do adjust incentive as down payment and I said no. Then they come up with another offer structured like this:

MSRP:$51.160

Lexus incentive:$3750

Discount off MSRP:$3500

Dealer Fees:$423

Acquisition fee:$795

Down payment: $5000

Monthly payment: $410

MF:.00050

Does the math work out? Not for me. I refused the offer since, they were adding Acquisition fee+ Delaer fees+ Monthly payment to reduce the Adjust Capitalized cost. Why would you include Monthly payment in the adjusted capitalized cost which is used as the number to calculate Monthly payments in the first place. Let me know.

Lady got really angry saying I don't understand what you are trying to say and that you don't understand Math.

I guess Master's in Computer Engineering makes you loopy enough to forget simple math . Let me know if she was correct. Guess I will have to send her chocolates lol

186,917Second, we don't recommend a $5K down payment on a lease - that money would be lost if the car is stolen or totaled.

Third, we do recommend the only money out of pocket be your first payment and any DMV or registration costs.

You have the option of adding the first payment to the adjusted cap cost, if you want a true $0 out of pocket at signing ("sign and drive")

If I take the MSRP, subtract the discounts, then add in the dealer and acquisition fee, I get $45,128.

For a 36/15 lease, that works out to $536/mo.

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

12191,614If you put $5000 as a CAP cost reduction and pay all other charges upfront, the payment should be $361/mo+tax, assuming 36/15

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Edmunds Moderator12Selling price = $51,160 - $3750 - $3500=$43,910

Net cap cost= 43,910-5000=$38,910

Dep cost/ mo=($38910-(.61*51,160))/24=$320.94

Finance charges=($38910+$31207.6)*.00050=$35.05

Mp= dep cost + finance charges=$356

This is with $5000+ $423(Dealer charges)+ $795(Acq fee)+$356(First monthly payment) down. Is the math wrong?

186,917Edmunds Lease Calculator

MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

12Let me know if this offer is right with the math.

33new 2017 Lexus is350 awd (F-sport package)

msrp- $51167

sale price - $51167 - $3999 = $47168

MF- 00025

RV- 56%

36/10

lexus lease cash $2750 + $1000 = $3750

monthly price- $428

total due at signing- $3398.70 (break down: $10 inspection, $795 bank fee, $75 documentation fee, $300 new plates, $12.50 tire, and $1778.03 tax for zip code 10453)

186,917However, we'd suggest you add the bank fee and tax into the cap cost.

Your payment will go to $500/mo, but your out of pocket drops to under $400.

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

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Edmunds Moderator186,917The "min drive off" is the sum of the first payment, acquisition fee and admin fee - that simply represents the 'minimum' amount you'd have to give the dealer to take the car.

Since you are giving them $5000, the $1319.79 of fees and such are subtracted from that amount and the rest ($3680.21) is used to reduce the price of the vehicle. This is in addition to the $3750 of rebates.

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MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

12Sorry that didn't come out correct. I understand that they have included the 1st monthly payment in the drive off cost. But the question is how can they use first monthly payment to compute Net Cap Cost(Net Cap cost = Total cap cost - total cap reduction(which includes deduction for 1st monthly payment)) when Net Cap cost itself is used to calculate the monthly payment.(I just want to understand this part)

I really apologize for being annoyance. Just want to understand the math. I don't care about the offer anymore. If they are correct, they will have my money.

12186,917It's not.

The net cap cost is the total cap cost less the cap reduction the cap reduction is the rebate plus your $5K, then

subtracting outthe up front costs. It's not part of the net cap cost amount.Edmunds Lease Calculator

MODERATOR2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

191,614Nowhere on the document you linked, does it show the first payment as part of the Gross CAP, or being used as a CAP cost reduction. You state that, but that's not what the document shows.

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Edmunds Moderator12This is how dealer worked out the Min Drive off = $795 + $100 + $424.79(First monthly payment) =1319.79

Now, Net Cap cost = Total Cap Cost - Rebate -Down payment - Min Drive off(Includes first monthly payment, so we should already know the Net Cap Cost right? Why are we calculating it here? Min. Drive off should not include the first monthly payment as we are yet to calculate monthly payments.)

Net Cap Cost now used to calculate monthly payments using MP=((Net Cap cost-Res)/24)+ (Net Cap Cost + Res)* MF.

191,614Forget the formula, and just follow the money trail on the document

Total CAP cost = $47,974. That's the sale price of $47,651 + $323 license fees.

You have $8750 of working cash, but that's not all CAP reduction.

First, remove the upfront amounts from the right-hand column.

That's $795 acquisition fee, $100 admin fee, and $424.79 1st payment ($1319.79 total)

That amount is deducted from the working cash, as it's paid upfront. It isn't part of the Gross CAP, nor is it used as a CAP cost reduction.

$8750 working cash minus $1319.79 upfront leaves $7430.21 for CAP reduction.

$47974 total cap minus $7430.21 CAP reduction leaves an adjusted (or NET) CAP of $40,543.79

That's it... exactly as the document shows.

You say you can't calculate the first payment until you finish, but the computer is programmed to take the working cash, then find the point where the payment and CAP cost reduction add up to the working cash.

If you wanted to make a $5000 downpayment, and pay those other items out of pocket, in addition to the $5000, then it's a simpler calculation, but a computer program can calculate the proper payment, given a fixed amount out of pocket.

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Edmunds Moderator9IS 300 Black/Black F-Sport w/ Navigation

MSRP $46,825

Sell Price $43,498

Rebate $2,750

Cap Cost 2k down - $41,012

PA sales tax 6%

Residual is 55% = $25,753

MF is 0.00015 (The lowest current MF offered for the IS model)

36 months / 12,000 miles per year:

$2000 down = $473/month

$3000 down = $445/month

$4000 down = $416/month

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Edmunds Moderator2I got a msrp of $43,328 for the car. Cap cost $36,429.

Paying $3,359 out of pocket - this has acq fee of $795, regis fee of $360, doc fee of $445, first month payment of $359, $700 for fixing my old car, rest of $700 as a down payment. Also dealer is offering to pay off the lease of my old car ($450 total).

Is $359/month a good deal or can I do better?