BMW 3-Series Lease Questions

smithre4

Ah that simple. THanks kyfdx.

ledgem81

CarMan and Kyfdx or anyone else who might know...would you happen to have the January MF and residual on an '08 328xi Coupe yet? I have 13 months left on an '06 325i and want to see if I could get into an '08 Coupe. This forum is awesome by the way, I read it all the time.

infoseeker1

These boards are great, thanks to all who give there information and opinion I have found myself staying up rather late the last few days reading almost every post i can come across.

I'm sorry if this was answered before, I did not come across it so I thought I would ask.

I am interested in a 2008 328i or 335 convertible w/ 15k miles per year for a 2 or 3 year lease and I live in Arizona.

I found within forums a MF of .00295 & .00310 for the cars i stated above and my questions below revolve around the Money Factor Issue on Leasing.

MY QUESTIONS:

1. Is there a baseline MF? If so does the baseline or lowest Money Factor (MF) change every month, quarter or at certain times with the BMW Departments for each make/model of car. I ask because I notice on different post's there are different MF for the same car. If it does change how often and why?

At the link below you will find 2008 328/335 Convertible with a MF of .00310
Where does this .00310 come from, does it change, is this a baseline or can the dealer go lower and if so how low can or will they go?
Forum 2008 BMW MF List

2. Is the MF based on my credit check, meaning the higher my score the better or lower my MF would be?

3. Does the Dealer I am working with at the BMW Shop have the ability to go as low or high as he wants on the MF and if so what factors does he take into account to lower or raise it. Mainly asking to find out what way's i can get the lowest MF at time of sale.

4. I read that you could put up to 7 security deposits down lowering your MF by a percentage for each deposit. Is this true and is this a good idea and will it be in the lease that you get back all the deposit you put in or could they turn around and state the car is damaged and keep $2,000-5,000 of your deposit.

Thanks to anyone that can answer these questions especially since there are 2-4 questions per paragraph, sorry about that.

Michael

maritza2

Hi Car Man & Kyfdx,
IThank you both for letting me know that the selling price was the figure that was missing in my calculations. I spoke to a total of six dealers & let them know that I knew the MSRP of the car I wanted & I just basically needed to know at what selling price they would give me the car. Many of them were not nice or helpful. I did find a saleman in Briarcliff, NY who was very cooporative. I'm plannig to get BMW 328xi on Tuesday. I figured out the lease payments myself and it sound right please let me know what you think. Thanks again.
328xi, automatic, heated front seats.
MSRP $36,850
Residual 22,478.50 (61.00%)
Selling prize $35,766 ($1,084 less)
Money Factor .00175
Due at signing:
1. 1st month $471.03
Reg. fee $55.
Bank fee/Acquisition fee $625 (He stated that the bank fee is the same as the acquisition fee. It means the same. Is this true?)
Documentation fee $45
Te recycle fee $12.50
Inspection $10.00
Sales tax $1,296.76
TTotal: $2,515.20
IS this a good deal?

boomer23

You should be able to negotiate a better discount than $1,084 on a 328xi. This is not a rare or scarce model, so you should be able to get $2,000 off sticker or more. There's about $2,750 between the base invoice price and the MSRP, plus more when you add optional equipment.

Rather than working with salesmen at each dealer, use Edmunds' system to communicate with the Internet department at each dealer. To do this, configure your car on Edmunds new car prices section. Then follow up with Edmunds' "Get Dealer Quotes" to send a message to each dealer. In the text of your message, tell them that you are ready to lease this car at a price of $800 (or whatever number you feel comfortable asking) over invoice. You'll get straightforward responses from the Internet managers at several of your dealers, and you can choose which ones to work with based on their responses. If they don't respond, or won't deal at your price, forget them. Much less stress than trying to find a nice salesman.

Your lease numbers check out right on my calculator, assuming that money factors have gone up about .0010 from December rates, and assuming that none of your up front fees are rolled into your lease.

Typically, you should be able to get the base money factor assuming that you are a returning BMW customer, or if you pay one month's payment as a refundable security deposit. You didn't mention whether you are paying a security deposit or whether you are a returning BMW customer. Since I don't have the January money factors, I can't tell whether you are getting the base rate or an inflated rate.

Good luck with your deal. Let us know how you do.

maritza2

Thanks Boomer23.
Yes I'm a returning BMW customer & I am not paying a security deposit this time.
I'm going to try what you said to see if I get a better deal, but if I don't I'll stick with this one & know better for next time. Thank you very much.
Maritza

jlsellers

I too am wondering where to find the current MF and residuals on the 335i; I am comparing it to the X3, too. There seem to still be "special" leases on these vehicles but these assume almost a full MSRP cap cost, only a small "dealer participation." I am also a returning customer but am not sure if that matters anymore.

boomer23

I think the moderators here discourage advertising other web sites and forums. However, current lease rates are often posted on a forum that contains the words "fest" and "bimmer" in some order.

bimmerenvy

HELP... I was offered this deal in NY. Is this a good deal?

CPO 2006 CPO 325 xi alpine white fully loaded:

navigation
xenon headlights
steptronic automatic
xm satellite ready
park assist

OTD: $34,941 ($32,000 plus tax, title, etc.)

3.9%

$4,000 down

$569.35 for 60 mos

Maintenance to expire Dec. 2009
Extended warranty to expire Dec. 2011

Wondering if I should buy this car or lease a new 328 xi. I don't necessarily need all the extras, but they sure are nice. Any advice is appreciated.

mdkrp

its that time again...can you please give me MF and RV for 2008 335 Ci for a 36 and 39 month lease with 10k miles/yr?
I moved to AZ since my last lease and don't know how they calculate the tax payment (ie on monthly payment or on purchase price)...would you know?
Lastly, any thoughts on whether it is worth it to get the active steering? I have not test driven one yet but obviously will do so soon. My current 05 330 cci does not have it.
Many thanks for the info.
mdkrp

infoseeker1

MDKRP

I am moving back to Arizona some time in Feb. if you don't mind after you figure out your next vehicle lease / purchase post on this forum about it and how the customer service was and at which dealership.

I know there is one dealer in Tucson and 3 in Phoenix and would have no problem going to any of the four off of your rec. if you found them easy to work with

Thanks

irishprincess

We went to lease a 328xi with metallic paint, automatic, $15,000 miles per year, cold and premium packages.
MSRP - $40,975
Selling Price - $40,200
Due @ signing - $1,430
Monthly Payment - $595.00
We are current BMW leasees, the dealer told us the MF is currently .00205
Is this a good deal, or can we do better? What is the current MF?
Thanks in advance!
Stacie

boomer23

The dealer is not being truthful. The MF for a 328xi sedan is currently .00175. They are only allowed to mark it up by .00004, I think. If you are talking about a Coupe, the MF is .00200.

Also, I believe that you should be able to do better than a $775 discount on a 328xi sedan. Try to get close to $2,000 off. If it's a Coupe, you'll have a harder time, but you should still be able to beat $1,000 off.

cpainaz

We are in southern Califonia. I have a quick question. My wife has a lease on a 2006 325i which ends in October 2008. I have a lease on a 2007 328 coupe which ends in October 2009.

Is there any way I can turn in my 328 coupe when my wife turns in hers in October 2008 (at this time I will have one more year on my lease) with the intention of entering in a new lease on one car. I figure they will try to get my wife to enter in a new lease when her car comes up for lease. I am hoping to convey that we would be more likely to enter in a new lease if we can turn in both of our cars. This way, BMW will lock us in a car for 2-3 more years (win for them) versus us simply turning in my wife's car, not getting into another car for her, and only have me for one more year leasing.

We are thinking of getting an SUV and don't want to buy a X3 and don't want to pay a premium for an X5. We are thinking of getting a 4Runner thus would only be in the market for one sedan (preferably another 3 series or a 5 series).

Any help is appreciated!

CarMan@Edmunds

I'd doing great, ledgem81. Thanks for asking. I am sorry to say that it is usually fairly expensive to get out of leases well before their scheduled end dates. In order to do so, you need to purchase the vehicle that you are currently leasing from the bank that you are leasing it through. It often turns out that it costs more to do so than your vehicle is worth on the open market. Furthermore, many banks expect consumers who end their leases early to still make all, or at least the depreciation portion of their remaining lease payments. As you can see, this can get very expensive.

You can determine approximately how much it will cost you to get out of your current lease by comparing its purchase price to its value on the open market at this time. You should place a call to the bank that you are leasing your vehicle through to find out its exact price. Once you know exactly how much money it is going to cost you to buy your leased vehicle you need to compare it to its current value on the open market. You can find out approximately what your vehicle is worth by looking up its Edmunds.com True Market Value in the Used Vehicle Pricing section of this site. You also may want to stop by the following discussion: "Real-World Trade-In Values". Don't forget to check to see if you are still on the hook for your remaining lease payments. The difference between your leased vehicle's current value and how much it will cost you to buy it plus any remaining lease payments that you are obligated to pay will equal the cost of getting out of your lease right now. You may find that you are better off waiting until you are closer to the scheduled end of your lease to get another new vehicle.

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CarMan@Edmunds

Hey jackals. BMW Financial Services' new January buy rate lease money factor and residual value for a 36 month lease of a 2008 BMW 335xi Sedan with 12,000 miles per year are .00210 and 63%, respectively. The 10,000 mile per year residual value for this car would be 1% higher.

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x021627

pardon me, but as someone who ended a lease early previously, one doesn't need to purchase the vehicle to get to out of the lease, but to satisfy the financial committment = number of payments that were contraturally obligated to pay. The purchase component is only if they want the vehicle at which it would be remaining payments + residual.

x021627

qbrozen

It is actually the lesser of the 2 options. You can either satisfy the contract with the leasing company by paying it off OR you can trade it in, which is basically the same as buying it and selling it to the dealer you are trading at. Obviously, you would take whichever option cost you less money.

voldermort

Would you know what the MF and residual would be on a 2008 328xi 36 month with 15 thousand miles a year?

How about on an X5 2008 MF and residual rate for 36month/15 thousand miles a year as a repeat customer?

Please let me know? Greatly appreciate all your help.
Thanks

CarMan@Edmunds

I'm that that you like this forum so much, ledgem81. BMW Financial Services' January buy rate lease money factor and residual value for a 36 month lease of a 2008 BMW 328xi Coupe with 15,000 miles per year are .00200 and 58%, respectively. Unfortunately, you are likely going to find that it will be prohibitively expensive for you to get out of your current lease over a year before its scheduled end date.

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CarMan@Edmunds

Hey Michael. Good questions. The money factors that you have seen mentioned in this discussion are usually BMW's "buy rates." This means that they are the lowest possible money factors that BMW dealers can charge you to lease the vehicle that you are interested in. The reason why community members are so interested in finding out what these buy rates are is that BMW dealers are notorious for marking them up to add additional back-end profit to deals. Consumers who know what the buy rate for the vehicle that they are interested in should be can usually find a dealer that is willing to use it in the calculation of their lease payment.

BMW usually publishes a new lease program every month, but sometimes for most models its new program is virtually identical to the one that it replaced. Unlike some manufacturers' captive finance companies that use a tiered system with different money factors depending upon what one's credit score is, BMW Financial Services' system is essentially pass / fail. Either you qualify for its best money factors or you cannot lease through them.

BMW FS does have a multiple security deposit program. The last time that I looked into it, it allowed lessees to make up to seven additional deposits with each one reducing their vehicles' money factor by .00007. If you have the money to make them, MSDs are a much better way than making a down payment to reduce your vehicle's monthly payment.

BMW Financial Services' current buy rate lease money factor and residual value for a 24 month lease of a 2008 328i convertible with 15,000 miles per year are .00315 and 73%, respectively. The numbers for an otherwise identical 36 month lease are .00315 and 61%. Its current factor and resid for a 24 month lease of a 2008 335i convertible with 15,000 miles per year are .00315 and 69%. The numbers for an otherwise identical 36 month lease are .00315 and 59%. This lease program is scheduled to run through January 31st.

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CarMan@Edmunds

Hi jlsellers. Savvy consumers who shop around and who are in an area that has a decent level of competition can almost always negotiate larger dealer discounts than the ones that are used to calculate manufacturers' official advertised payments. Shop around for the lowest selling price that you can get on the 335i or X3 that you want. Also, make sure to stop by the "BMW 3-Series Prices Paid and Buying Experience" and "BMW X3 Prices Paid and Buying Experience" discussions to see how much other community members have paid for similar vehicles lately.

Let's take a look at these vehicles' current lease programs. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2008 335i Sedan with 15,000 miles per year are .00210 and 61%, respectively. The numbers for an otherwise identical lease of a 2008 BMW X3 are .00270 and 65%.

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CarMan@Edmunds

Greetings mdkrp. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2008 BMW 335Ci with 10,000 miles per year are .00245 and 61%, respectively. Unfortunately, I am not personally familiar with how sales tax is calculated on leased vehicles in Arizona, but you may be able to find out by checking one of the following sites: Arizona Department of Revenue or Arizona Department of Transportation - Motor Vehicle Division.

I personally don't have an opinion on the active steering system, but you may find a community member who does by posting your question over in the "BMW 335i 2007+" discussion.

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CarMan@Edmunds

Hi cpainaz. Unfortunately it will likely be fairly expensive for you to get out of your lease a year before its scheduled end date. Individual dealers cannot allow you to terminate your lease early. This is between you and the bank that you are leasing it through. Sure, the dealer that you get your new car from may absorb some of the loss that you would take by getting out of your lease early, but their doing so will only hamper your ability to get a good deal on your new car.

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CarMan@Edmunds

You're right, x021627. If one wants to just waste their remaining lease payments and make them without the benefit of driving their vehicle they can do so. For consumers who have a long time left on their lease, like a year, it is usually less expensive to purchase their vehicle and trade it in than it is to just make all of their remaining monthly payments.

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CarMan@Edmunds

I sure do, voldermort, and I would be happy to help you out. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2008 BMW 328xi Sedan with 15,000 miles per year are .00175 and 61%, respectively. The numbers for an otherwise identical lease of a 2008 BMW X5 3.0si are .00270 and 58%, respectively.

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voldermort

Thanks, this will help me when my dealer emails me his quotes. Just one thing I am confused about, why are these numbers important to know to lease a vehicle? Afterall, if we get the dealer to go say $750 over invoice wouldn't that be what we are looking for? Which one is the 'rate' taken from the MSRP? The MF or the residual? And here lies another confusion, the $750 over invoice,( that number agreed on,) is the MF calculated on that? Or is it the residual? In order to get my monthly payments low, which one should I tackle? If I can. I know, I am asking too many questions, but I read whats been written in the Tips and Advice, and read many posts, but still remain confused.
Thank you so much for your help.

mdkrp

Thanks for the info. I went to the only local dealer in town and they informed me that for 36 mo, 10k mi/yr lease, the MF was 0.00275 and 61% RV. I am a returning BMWFS customer. Obviously, they are still marking up the MF despite my asking for the lowest MF possible.
In your opinion, am I more likely to get better MF/RV deals through local banks/credit unions or should I just go with BMWFS?

mdkrp

lovebmw330i

I'm coming out of a 3 year lease(12k/miles per year) on a 2005 BMW 330i.MSRP was $39k. AS per BMW Financial, the buy-out would be $22,200 the car would have 40K miles. I think the pay off is high and am considering leasing a 2008 328i coupe instead. I prepaid $17,250 for my first lease and want to prepay the new lease. What would be your suggestions? Also, what should i expect to pay(roughly)for the 2008 328i coupe only option automatic. Thanks!

infoseeker1

CARMAN or BOOMER or ANYONE

Okay new question for leasing

I have read all the tips and way to figure your lease payments out and what to try to get lower or not used with all the Fee's and what not.

So lets say I do all the numbers and i have a ballpark figure for a 2 year lease of 700$ to 780$ and that of course depends on them adding these fee's or those fee's, getting a better MF or not .. yada yada

Now instead of going in and trying to get the best of this or that would it be easier just to go in and say i want THAT CAR and i want my payments to be no more than 685$ a month. CAN YOU MAKE IT HAPPEN?

Would that actually work if you knew in your head and calculations that 685$ was in fact feasible and they could work there mojo to get to that monthly payment price??

Anyone??

mdkrp

I will let you know...I am in contact with one dealer in Tucson and another one in PHX.
mdkrp

mdkrp

I spoke with local dealer in Tucson and they maintain that MF for 2008 335 convertible 3 yr lease is 0.00275 and not 0.00245; they even showed me some kind of printout listing the rates.
If that is correct, then only the purchase price is negotiatable at this point; I will try to get it for about 1k below MSRP; is that a reasonable approach?
mdkrp

simfox3

BMW Financial Services denied my lease application for a 335i because I do not have enough credit experience. I got my first credit card at age of 18 in 2003. Now at age 23, I have a decent credit score (725), 5 good standing revolving accounts, and a satisfactory fully paid loan. Monthly income is $7000.

Am I able to appeal to the BMW Financial Services to reconsider, or what other options do I have? Already paid the deposit ($1000) for the 335i special order.

Thanks in advance.

rhody_88

I assume you are posting because they will not return your deposit? If so, please provide more info. In which state did the transaction take place? Also, in which state do you reside? I don't see how the lease could not have been contingent on the credit approval. If this were allowed, the potential for abuse would be tremendous (e.g., BMW could take deposits from anyone who walked in and then deny and retain the deposit). I would send written demand via certified mail. If your deposit isn't refunded, file a complaint with your state's AG. Unless you're omitting facts (i.e., misrepresentation on the application upon which they reasonably relied), I don't see how they can legally retain your deposit.

If my assumption is incorrect, and you just want them to reconsider the denial of your application, as long as they have not discriminated they can deny it. You might want to get someone to cosign the lease, or offer to give them a larger security deposit.

kefler

Hi, I have also tried to deal (in person) with the Tucson dealer. My experience here: kefler, "BMW 3-Series Lease Questions" #1980, 1 Jan 2008 12:23 pm

In my case, they tried to tell me they were using the "buy rate" money factor but were using the bumped up one. I was able to get the sale price to $2K off MSRP.

Since then I've been talking with the phoenix area dealers via email. They have been a lot more honest about what numbers they are using, but I haven't gotten much better than Tucson. The bottom line is they can bump up the MF by .0004 and take that as profit, and thats what they're doing. They also can add $200 to the acquisition fee and of course throw in other fees like doc fees, etc.

Although they have been stubborn so far, they also haven't given up emailing me continually, and since I have infinite patience I will just keep asking them to lower the price. My original idea of 3yr 36k for $580 w/ 3k out of pocket is probably not going to happen, but I think $600 should be possible, if I also pay the first security deposit.

I might go back to Tucson to try again, but they seem to be a lot more 'old school' and a lot more shady with the numbers.

bchan88us

if you are leasing an used bmw, you are better off with a brand new audi.

ursamajor

If you're referring to the A4, it appears that the lease rates are exeedingly low due to the replacement of the existing A4 with the 2009 model, scheduled for release around September. That model has been favorably reviewed in several mags, including Edmonds, and is attracting keen interest. It is more attractive and has more features than the existing model, which hasn't changed for at least five years.

mdkrp

You are right...I have also emailed dealers in PHX and they seem more upfront with the #s but also have not managed to give me any better of a deal than locally. I will continue to keep hammering away on the purchase price. With warmer weather coming, however, I don't see them doing much more for me than $500 off MSRP.

lpan

Heyo -

So I'm getting a new BMW 328xi lease. Good deal?

(Multiple security deposits x8)

Model: 328xi.
Lease: 36 months / 10,000 miles
Packages:
Metallic Paint
Sports Package
Xenon light
Automatic transmission.
MSRP: $39,000
Negotiated price: $37,000
$476 / month.
$4,000 security deposit (refundable)
$600 fees (apparently,everything BUT motor vehicle)
MF: .00175 (Salesman showed me, but don't know if using)
Residual: 64% (salesman showed me, but don't know if using)

So how does the multiple security deposits work?? I know it's more 'economical' if you have the cash, but how does it work? Do i pay the $4,000 (500 / month) in addition to the $476??

Can someone work out how $476 was derived? And do I REALLY get the 4,000 back?

Thanks!

infinitibuye

here is what i negotiated:
08 bmw 328xi with premium, cold weather, xenon lights and ipod adapter, 36 month lease, 15k a year. $530 a month, only due at signing is fees up front.

bchan88us

how much is the upfront and where is your dealership?

dsasi

I used 61% as end of lease residual value and money factor of .00175, are these numbers correct for 335XI?

Thanks.

boomer23

Ok, here goes.

You pay the security deposits up front in cash. BMWFS keeps them until the end of your lease. As for whether you really get them back, everything I read on line tells me yes. At lease return, though, if your car has significant damage, tires that are too worn, etc, you will pay penalties. If you have paid security deposits, I'm sure that these penalties will be taken out of your deposits, but you'll have to pay the penalties either way.

Your first security deposit (SD) of your 8 is required if you are not a returning BMW lease customer. Each SD equals one monthly payment. This SD gets you the base money factor (the "buy rate"), in this case .00175 for your 328xi. If you don't make this SD, the rate would bump up by .00015. Each additional SD (the other 7 SDs) will reduce your money factor by .00007 each, or a total of .00049. So your resulting money factor is (.00175-.00049 or) .00126.

The reason the multiple SD system is a good deal can be calculated from the reduction in your payments. You'll save over $1,000 over the life of your loan because of your 7 SDs, which calculates out to about a 10% annual return on your investment.

The January residual for a 36 month lease for this car is 61%, not 64%.

I entered these numbers into a lease calculator with $600 in inception fees, rolled into the lease, and I got a monthly payment of $443.54 before taxes. I don't know your local tax rate, so you'll need to multiply this payment by your tax rate to get your final payment.

I hope this helps.

lpan

Yes, thanks! It did help a lot!

One more question....

The "Residual" value ---

Is that calculated from the MSRP? Or negotiated price?

Thanks!

qbrozen

msrp

pannikattk

Kyfdx / Carman:

Love the forum, you guys really do provide valuable info and it's appreciated! Now onto my question...

If the car has to be special ordered, (only because there are no 3 series coupes anywhere to be found in Miami), how much can one expect off of MSRP? This is what an old classmate, who is a BMW salesman, is offering me so far:

328ci - Alpine White
MSRP is $39845 (sport pkg, steptronic, paddle shifters, ipod adapter, electric seats)
$1000 off of MSRP to bring it down to $38845
36 month lease / 15k miles per yr

This is where I think he's being screwy: His quoted MF is .00215 with a discount of .00015 for being a repeat BMW customer. Shouldn't it be the buy rate of .00200 with the discount of .00015? This would bring it to .00185 correct?

Would you mind providing details of what a good deal for this car would be right now? (no additonal cap cost reduction, just standard up front fees)

I haven't even gotten to the up front fees yet, but I want to iron out the obvious before I get into that with him.

Thanks!

Pabel - Miami, Fl.

infinitibuye

my dealership is in new jersey, princeton bmw or circle bmw both are willing to match price, credit score has to be 720 or better.

eights38

infinitibuye - Congratulations on considering the 2008 BMW 328xi, it is truly a driver's car and handles exceptionally well in the snow. It also doesn't hurt that it is the best lease program that BMW Financial is offering for the month of January. If the MSRP of the car you are considering is $40,375, $530 per month is an acceptable lease payment. However, since you have two dealers in the mix, see if you can negotiate a selling price of $38,000 to reduce the monthly payment to $515. Also, if you have some additional cash, I would strongly consider the Multiple Security Deposit Program. This year is not looking like a banner year for the stock market.

boomer23

No, you wouldn't get the .00185 rate. By being a returning BMWFS customer you should get the buy rate of .00200. If you weren't a returning customer, you'd either pay .00015 additional or you'd have to pay one month's payment as a security deposit.

You can pay additional security deposits (up to seven) to lower your money factor by .00007 each.

I got my 328i Coupe at a $2700 discount from MSRP in California in November, an ordered car, not one on the lot. I did have to pay the maximum acquisition fee of $825, which is about $200 high, though, and I think a few other fees. The overall deal was the best I found, by quite a bit.

If your fees are rock bottom and you get the buy rate money factor, $2000 off MSRP would be a fairly good deal, but local supply and demand will dictate how willing dealers are to negotiate.

hopefall

Anyone have any insight on January sales number and how this might affect the mf and residuals in February? I am looking at a 328i 15k lease. Deals seem to be getting better every month with other makes.