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BMW 3-Series Lease Questions



  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Thanks for the info, jasonmdbmw. I didn't know about the whole within 30 days part, but I guess most people who are in the market for a new car are within a month or so of lease-end anyhow.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi cliffpoz. BMW Financial Services' current buy rate lease money factor and residual value for a 36-month lease of a 2013 328xi Sedan with 10,000 miles per year are .00130 and 63% for consumers who qualify for its top credit tiers.

    There is a $1,000 cash incentive on leases of this car.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    You're welcome runofkings. The residual value for a 36-month, 15,000 mile per year lease of a 2013 328i Sedan is 60%. Add 3% to that for a lease with 10,000 miles per year.

    There's a $1,000 cash incentive on leases of this car right now.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi ranjohn. Let's see if we can work up an approximate payment on this car for you. It looks like it has a spread of around $3,500 between its full MSRP and dealer invoice price. Add to that the $1,000 cash incentive and you have a total of around $4,500 to play with in your negotiations. Let's say that you are able to negotiate a $3,500 discount on this car and see what sort of payment that generates.

    According to my calculations, if you were to lease a 2013 328i xDrive Sedan that has an MSRP of $44,545 and a selling price of 41,045 through BMW FS right now for 36 months with 12,000 miles per year, your zero down, pre-tax monthly payment would be around $462.

    Increasing the MSRP to 46,645, but keeping the discount and lease program constant would raise the payment to around $489.

    Prices Paid: Buying & Leasing Experiences Forum
  • I have to get the exact numbers but I was recently quoted on a 328xi
    Mineral blue
    Harmon Karden
    Technology Package
    Driver's assist package
    Lighting package
    Cold weather package

    about 3300 down which includes first month payment, NYS taxes, fees, etc
    3 year lease 10k per year 488.00 month.

    I haven't done any negotiation yet so maybe I can get it a little cheaper. I didn't ask for any of the numbers yet on the price and such.
  • nydennis40, can you please share the details of the lease quoted. I am looking for buy the same car with same options.
  • That is all the details I have at the moment. I did this through Email. As soon as I get the info I'll shoot it your way :-)
  • treatrea Posts: 2
    Car_man - What are the March buy rate lease money factor and residual value for a 36 month lease of a 2013 335i Sedan with 12,000 (and 15,000) miles per year?

    Is BMW offering lease incentives for this car during March?
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi trea. BMW Financial Services' buy rate lease money factor and residual value for a 36-month lease of a 2013 335i Sedan with 15,000 miles per year are .00130 and 60% for consumers who qualify for its top credit tier.

    The residual value for a lease with only 12,000 miles per year would be 2% higher.

    BMW is now providing a $1,000 cash incentive on leases of 3-Series Sedans. Make sure to take this cash into account when negotiating the capitalized cost for your lease.

    Prices Paid: Buying & Leasing Experiences Forum
  • grokgrok Posts: 10
    The Pre Jan 2013 328i BMW MSRP is $350 less than the Post Jan 2013 328i BMW MSRP. Since BMW changed and sets MSRP for this year car, which figure is correct to use when calculating the lease cost? It is advantageous for the customer to use the new higher MSRP rather than the old sticker MSRP and since it is being leased in March 2013, rather than in 2012,can the new MSRP be considered correct?
  • kyfdxkyfdx Posts: 64,574
    You'll have to use the MSRP on the sticker that's on the specific car you are leasing...


    Prices Paid, Lease Questions, SUVs

    Need help picking out a make/model, finding inventory, or advice on pricing? Talk to an Edmunds Car Shopping Advisor

  • hutcherhutcher Posts: 2
    I am coming out of a lease on a 2010 328 convertible and am looking to lease a 2013 335is convertible. Dealer found one with almost everything I want (it has black interior which isn't my first choice) -- MSRP $68,895. He told me payment would be $659/month for 36 months w/ 10,000 miles/yr with $1,349.69 due at signing.

    Having educated myself on this forum (thank you!) I asked about money factor, residual and what price he was using. The answer is $5,250 off of MSRP after rebates (which puts purchase price at $63,745), 65% residual and .00130 (which he says is about 2.9%). KBB says dealer invoice is $63,405. So the purchase price would be $340 over invoice. KBB also says $63,469 is the "fair purchase price."

    Am I missing anything? Seems like a good deal to me. But since I haven't negotiated at all (other than insisting that the information be provided to me via email instead of me going to sit down with him), I want to make sure I am not missing anything.

    Thanks so much in advance for your help!
  • ranjohnranjohn Posts: 17
    Hi Car Man:

    Just want to make sure that I got this right. So when you are calculating the residual value, you would use the % * the MSRP ; however, when calculating the depreciation fee (the amount that will be used during the lease term), you are actually using the Negotiated price (instead of the MSRP) - residual and then divided by the # of months, am I right?
  • kyfdxkyfdx Posts: 64,574
    That is correct...


    Prices Paid, Lease Questions, SUVs

    Need help picking out a make/model, finding inventory, or advice on pricing? Talk to an Edmunds Car Shopping Advisor

  • nicecar3nicecar3 Posts: 1
    Hello all,
    I am wondering what is the ballpark for a lease a 2013 328i in 24 months with driver assistance package option and premium package installed
  • wildcat005wildcat005 Posts: 3
    edited March 2013
    I'd like to lease a 335i 4-door sedan this month.

    The car I'm interested in features:
    - Cold weather package
    - Driver assistance package
    - Premium package
    - Technology package

    The MSRP is $53,770 and the dealer's suggested price is $54,120. I’d like to do a 10,000 mile lease with $0 down. I have great credit. Any idea what the residual value, money factor or monthly payment would be?

    If I decided to go with the Sport Line instead, will the residual value and money factor change much?

    Any additional insight is appreciated!

    Thanks for your help in advance!
  • punjimanpunjiman Posts: 4
    Wow that seems like a good MSRP. I'm looking at the same car, in NJ, with a MSRP of 57.
    I'm getting 0.0013, and 68% residual on 24 mths/12K miles.
    Did you negotiate that MSRP?
  • Hi punjiman,

    I haven't negotiated anything yet. The MSRP is from the Vehicle Inquiry Report that our salesman ran. We're shopping right outside of DC...not sure if that changes anything.
  • punjimanpunjiman Posts: 4
    Hi wildcat,

    I think the numbers i'm getting are good, if you try for that (the money factor and residual), but you are getting a very good msrp I think.
    do you mind sharing the dealer name, maybe i'll take my business there.
    dealer names are allowed to be shared here, just not salespeople.
    im getting those lease numbers from parkave bmw in nj.
  • The current selling price for a 2013 328i xdrive is at around the invoice price according to and Do these selling prices on these sites include the $1000 incentive, or is the incentive in addition to the estimated selling price?
  • jar08550jar08550 Posts: 1
    I'm sorry to be so basic as I am new to leasing and new to BMW. Double Wammy at once.
    Today I looked at this vehicle 2013--328xi in Glacier Silver . Modern Line, Cold weather, Premium, Tech Package and a dest charge added of 895 for a Total Suggested Retail price of 49,545
    I was quoted $499 for 10k mi nothing down other than "fees". Of course I don't know what those fees are yet...but can anyone tell me if this price makes sense or better yet what I should be paying for a lease on this vehicle? I have great credit.
    Also would appreciate any other ideas/suggestions you may have for me--1st time buyer of a bmw 3 series. THANK YOU. This dealership is in NJ
  • invaiderinvaider Posts: 1
    Got the following deal after negotiating with my dealer in Little Rock, AR:
    Specs on the 2013 335is-Mineral white metallic, black dakota leather interior, dark glacier aluminum trim, premium sound package, 7 speed double clutch transmission, carbon fiber rear deck spoiler, star spoke 199 black wheel and tyre set.

    Selling price after all discounts: $57,747 (MSRP spec'd out as above on the BMW website is: $62,049)
    Residual: 64%
    Money factor: 0.0015 (dealer not willing to go below, even though I mentioned the current rate of 0.0013)

    Any thoughts would be most welcome as I am yet to commit.

    Thanks a bunch..
  • kalexpkalexp Posts: 1
    All -
    I'm trying to lease a 2013 328i, Sport Package, Premium Package, heated seats and back-up camera, in Dallas, TX (msrp $44,995). After reading previous posts, I was expecting to be quoted a lease money rate of .0013 and have a payment of around $550 (3 yrs, 15K miles)...however, after being in contact with 3 dealers (including 1 in Austin, TX) I have quoted .0017 by all of them, and this is for top tier credit. I've got one down to .0015, but I feel like I should be able to do better and get a payment well south of $600.

    Any thoughts are appreciated.
  • punjimanpunjiman Posts: 4
    Hi Kalexp,
    I agree with you, that sounds very high for an MSRP of 45K.
    Friend has 2011 328i, MSRP was 42K, 24mths/12K, not tier 1 credit, payments are 432/mth, zero down other then the usual stuff (BF, taxes, plates registration blah blah) NYC area.
  • grokgrok Posts: 10
    .0013 is the base rate, but all dealers mark this up if they can. It is simply another point of negotiation. Make this a deal breaker and you must find a dealer who understands that you know the rate and must agree. I searched the internet and went to another state( but only 2 hrs away). This week end bought a 328i sedan MSRP $47034 selling price $44050 - incentive and loyalty of 1750= net cap $42,300 (I paid document fee and acquisition fee and first month up front) with money factor .0013 and 62% residual(12000 miles/year) base payment is $461.62 per month & sales tax is 40.39 per month(total$ 502.01 per month w tax). I think in Texas you have to pay sales tax up front. Try Louisiana( call Walker in Alexandria, though I did not buy from them it was only because they did not have or find the vehicle I wanted ,ask for Alecia ).
  • Hi Car_Man

    I read some of your recent posts re: the March BMW rates; however, I couldn't find what the residual value would be for a 10,000 miles per year lease. Any insight is appreciated!
  • kromixkromix Posts: 17
    '13 F30 328i
    Jet Black + Black Leatherette + Lightning Package
    MSRP: $38,645
    Negotiated Price: $36,645 (500 over invoice)
    36 Months
    10,000 mi/year
    .00130 MF

    $500 USAA
    $750 Loyalty
    $1000 3 Series Sedan Incentive

    Base Payment: $387.85
    Total Payment $415.00 (Tax included @ 7% FL)

    Total Due @ Signing: $653.76 for Registration etc all fees includes the 1st month payment.


    Also thinking of doing the Multiple Security Deposits which he told me would be $2,800 total for all 7 and would drop the payments from $415.00 tax included to $389.74 tax included...
  • darbebodarbebo Posts: 14

    Been lurking here for the past month or so. New to leasing , New to BMW, Plz help.

    I kinda know what I need to know for leasing, but have some questions:

    1. I sent an email quote and was quoted a 1.3 money factor, which translate to a 3.12% interest rate. From what i read, this is the "base rate". My question is - is this the lowest that BMW can go? The reason is, i see ads that'll say 0% interest/apr or 1.99% interest (granted they are for purchases), but does it matter?

    2. Bottomline - > if the dealer quotes me 1.3 money factor, i'm getting the best deal for the MF right?

    3. I am looking at a dealer's website's inventory and they have 328i with SULEV and some with no SULEV after its name, from what I can find, SULEV is worse engine right? btw I live in S. California

    4. Here's the main question: I am looking for a BASE model 328i 4dr no options no packages no accessories, no moon roof no nav, no nothing. Lease for 24 months (i know 36 is better, but leave that for a moment) and 0 down.

    Per Edmunds' invoice price, it should be 33,900 (MSRP 36850). correct me if i'm wrong.

    I emailed for a quote and they came back with one, but they gave me one that has sunroof in it. That doesn't matter right now, what I want to know is, how to understand its breakdown. If car_guy or others can give me some advice that will be AWESOME!

    Here's the breakdown and questions underlined:

    Term 24 Months
    Mileage 10,000/year
    Money Factor 1.3 (Is this the best rate i can get?)
    Residual Factor 69% Is this the best i can get?
    Base $36850
    Moonroof and Destination $1050 +895
    MSRP $38795
    Selling Price $36,310.00
    Bank Fee $925.00 WHAT IS THIS BANK FEE??

    Total Capitalized Cost $37,235.00
    Residual Value $26,768.55
    Total Depreciation $10,473.79 Is the math fishy here..$37325-$26768.55+$7.34
    Capital Reduction ($7.34) What is this? Is this a credit or a debit for me? help or hurt?
    Monthly Depreciation $436.41
    Monthly Rent $83.21 (math works out)

    Monthly Payment $519.62
    Tax (8%) $41.57

    Monthly Payment + Tax $561.19
    Capital Reduction ($7.34) What is this again? does it hurt me or help me? where's it from?
    Cap Reduction Tax (8%) $6.40 What is this? never hurt of it. Help or hurt me?
    License & Registration $359.75 Is this fair?
    Documentation Fee $80.00 Is this fair? Is this negotiable/waivable?
    First Payment $561.19
    Security Deposit $0.00

  • You are on the right track. Thank you for posting in so much detail as it makes it easier to help you. You can see that the poster right above is paying $415/mo with $653.76 due at signing compared to your $561/mo with over $1000 due at signing. It appears that your money factor and residual are accurate. I don't know about the license and registration since you didn't mention the state. You are way overpaying for the car. Your selling price is $36,310 while the poster above you only paid $34,395 (though he may have had some incentives that you are not eligible for). The bank fee is an acquisition that is standard on all leases.
  • darbebodarbebo Posts: 14

    Thank you for your feedback so far. I live in S.california.

    So hopefully someone can point out what this "Capital Reduction ($7.34)" is and if it hurts and help me.

    So at this point if i were to negotiate, what exactly should i call the dealer out on? like should i say hey, everything's good, but we need to negotiate further down on the selling price?

    where's the fighting ground? What should i be demanding?

This discussion has been closed.