Howdy, Stranger!

It looks like you're new here. If you want to get involved, click one of these buttons!

BMW 5-Series Lease Questions



  • sergeymsergeym Posts: 267
    edited October 2012
    Not really. You use these four numbers to calculate a lease payment, but the only number that actually counts is the monthly payment, I assume $0 OOP. MSRP is only important to specify how much car you getting.

    E.g $63K BMW 535 for $600 per month for 36 month, 12K miles per year is a great value, $750 per month for the same car and terms - not so much.
  • kaz12kaz12 Posts: 3
    edited October 2012
    I need some help here. I was wondering what is the right amount of money to put down with monthly lease for this - w-9135769.html

    I was thinking in terms of $3500 down with $600 monthly lease. Is it still high or is it a good deal if it works out?

  • Hi repete81. BMW Financial Services' current buy rate lease money factor and residual value for a 36-month lease of a 2013 535xi with 15,000 miles per year are .00145 and 58%, respectively for consumers who qualify for its top credit tier.

    Prices Paid: Buying & Leasing Experiences Forum
  • HI friedcfood. Including all of the available cash incentives, there is probably a spread of a little over $8,000 between this car's MSRP and dealer invoice price. That puts the selling price that you were quoted at around $800 under the use of an attractive money factor. That's not bad at all. I personally might want a slightly larger discount on a demo that already has 5,000 miles on it, but then again dealers are rarely willing to discount demo vehicles enough for my taste.

    This is a fairly thin deal already, so I can't say that I'm surprised that the dealer isn't willing to absorb the remaining payments on your current vehicle.

    Prices Paid: Buying & Leasing Experiences Forum
  • Be careful putting down too much on a lease. If the car gets totaled or is a loss this is money you will not get back. Dont focus on the monthly payment when negotiating. Negotiate the price alone first. Then, make sure you know all the fees the dealer is going to add in. Watch the money factor as well as many dealers will tack on their own profit to BMW's published rate. This is negotiable. If you have good credit and the dealer won't work with you on the MF, go elsewhere. I just got my 2013 535i lease at the published MF of 0.00145 paying only the BMW delivery fee (not negotiable). Multiple security deposits are a good option and will lower the money factor as opposed to a chunk of money down. You will get the money back after lease termination as well. Good luck!
  • kaz12kaz12 Posts: 3
    This is what I get from edmunds after putting in the package and navigation optoins:

    535i xDrive Sedan
    (3.0L 6-cyl. Turbo AWD 8-speed Automatic)

    MSRP: $61,545
    Price as configured Invoice : $56,655
    True Market Value®: $55,820

    The True Market Value® (TMV®) price is our exclusive method for calculating what others are paying for a 2012 BMW 5 Series Sedan 535i xDrive in Minneapolis, MN (based on actual sales data from your region).

    So now what do you think should be a good monthly lease with a down payment.
  • Thank Car_man,

    I tried to push them to go lower, but they weren't willing to budge. Ended up getting it the day the lease incentives expire.
  • kssod1kssod1 Posts: 50
    I am looking at a used CPO 2012 535xi. Original MSRP is 69K CPO price is 55.5k. Is there a CPO Lease. If so what are the numbers that are used: i.e. Residual , money factor, and cap cost?

    Secondly, on a 2013 base 535xi with premium BMW is advertising a 579 per month. When I add 10k worth of options the dealer lease quote was over 850/month. MSRP 68k, cap 64.5k residual 58%, and MF .0016. It seems like the entire 10k in options is added directly in to the lease term, divided by 36, with no offset for the residual.
  • You're welcome friedcfood. Enjoy your new ride :shades: !

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi carman

    can you post the MF and residual (and any available incentives) for remaining inventory of 2012 535xi's

    36 month 15K/year

  • insidecarbuyinsidecarbuy NYCPosts: 95
    Hey Kssod1,

    That deal on the CPO isn't too great. The true dealer cost on that car new is about $57,420 (after invoice, minus holdback, $2,500 option allowance money, $1,000 USA Drive Event Money, $750 loyalty and $500 BMW apps. for being a current BMW Financial customer). On the 2013 the dealer is just toying with you. Here is a deal I just did for a friend on a 2013 Model 535xi sedan, he picked up the car yesterday.

    The car was a little cheaper than what you were looking for (about $65,000) but a much better deal. Money factor for 36 months is .00135 and residual for 12,000 miles per year 61%. He came out of a BMW X5 so he had loyalty which gave him an extra $750 and $500 credit towards first month payment. His payment includes tax (7.375%) and just put first month, bank fee and DMV out of pocket…. See below - Hope this helps you!

    Friday, October 05, 2012 6:45:14 PM
    Customer Name: Inside Car Buying LLC WD Deal ID: 234612
    Sale Vehicle: New 2013 BMW 5 SERIES 135D 4dr Sdn 535i xDrive w/AC , Automatic , Odom: 0
    Payment Details
    Term 36
    Base Payment 676.49
    Total Payment 676.49
    Purchase Option 39,570.70
    MSRP 64,870.00
    Est. Miles Per Year 12,000
    Disposition Fee 350.00
    Excess Mileage Charge 0.20
    Amount Due at Signing
    1st Month Payment 676.49
    Acquisition Fee 725.00
    Fees & Insurance 247.50
    Total Inception Fees 1,648.99
    Total Cash Required on Delivery 1,648.99
    Tax Information
    Customer State: New York Customer County: WESTCHESTER
    Type Amount Rate Paid
    Cashdown Tax 59.00 7.3750 Capped
    Upfront Tax 1,789.79 7.3750 Capped
    Fee Information
    Description Amount Paid
    Reg 150.00 Upfront
    Insp 10.00 Upfront
    Title 12.50 Upfront
    DocFee 75.00 Upfront
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Hey Jddssc121 -

    The Money factor on a 2012 BMW 535xi is .00135 and residual for 15,000 miles for 36 months; 54%. This car has an option allowance credit of $2,500 which most dealer received in July, $750 loyalty if your coming out of a BMW, $500 first month payment waiver though BMW Apps if your currently in a lease or finance contract with BMWF, $1,000 USA Drive Event cash if you took part in this program that was offered all summer long across the USA and if you find the right dealer; he'll be able to sell the car about $2,000 behind invoice. Hope this helps… Good Luck!
  • dealer told me it's a 2,500 credit for the 528, but a 3,500 credit for the 535!!! is he blowing smoke?

    (and yes, i have a team drive credit, an ultimate app credit and a loyalty credit:))
  • Is that 2000 behind invoice prior to deducting incentives ? Or expecting to pay about 2000 under invoice ?
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Yes, its $2,000 behind invoice prior to deducting incentives.
  • nj_bknj_bk Posts: 4
    bridgewater dealer in nj quoting me for 2012 528xi, premium, cold weather, technology:

    msrp - 56500
    sale - 50300
    upfront - 1000 including first month payment
    monthly 639
    residual 58%
    12k miles a year
    36 months

    payment includes loyalty, app credit. any good? or could this be better. this is one of the last few 2012s i guess. have a feeling it could be at least 1000 better?
  • fyostfyost Posts: 2
    edited October 2012
    Hi Car Man -

    I'm reaching the end of my 3rd lease and these forums have helped me every step of the way. Leasing is so much easier when you can calculate your own payment, and then know whether or not a dealership is padding the numbers. We are lucky to have this forum.

    I've been offered a pull-ahead on my current 528 lease. I've done some preliminary research, but I'm confused between 2012 and 2013 offers, rebates, RV, and MF.

    I'm looking for a 10K mi, 36 mo lease. Can you give me the MF and residuals for the 2012 and 2013 528 and 535? Also, are the $2500/$3500 dealer cash being offered in October for both model years or just 2012?

    Thanks again for your help.
  • Anyone see the TV add today 499 for a 2013 528 - maybe I misread it ?
  • jp007fjp007f Posts: 1
    I am new to this. Interested in a 528 Xi 2013. 12000 mile, 36 month lease. The web special is $569 a month with 2500 down + taxes etc. This includes the premium package but not the tech or cold weather. My question is how much should the tech and cold weather packages add on the monthly lease?

  • snow26snow26 Posts: 24
    Looking to lease a GT. I have read this is a very slow seller that may be discontinued after 2013. Sort of a miscalculation for demand. Are there any incentives on these right now? What is the is the residual and money factor right now for a 36 mo lease, 15,000 miles?

    What type of deal should I be getting off MSRP, say a vehicle the is $68,000. MUCH THANKS!
  • I know this is an old post, but was looking for updated lease info (money factor, residual, etc) for 2013 550xi. Thank you!
  • Hi jddssc121. BMW Financial Services' October buy rate lease money factor and residual value for a 36-month lease of a 2012 535xi with 15,000 miles per year are .00145 and 54% for consumers who qualify for its top credit tiers.

    Prices Paid: Buying & Leasing Experiences Forum
  • Wow, you're making me feel old fyost ;) . I'm glad that you find this forum so helpful. Thanks for being such a loyal reader.

    BMW Financial Services' October buy rate lease money factor and residual value for a 36-month lease of a 2013 528i with 10,000 miles per year are .00135 and 60%, for consumers who qualify for its top credit tier.

    The numbers for an otherwise identical lease of a 2013 535i Sedan are .00135 and 61%.

    The numbers for the 2012 528i Sedan are .00135 and 58%.

    The numbers for the 2012 535i Sedan are .00135 and 57%.

    When negotiating your deal, make sure to take advantage of the $2,500 in cash incentives that's available on the '12 528i and $3,500 on the '12 535i. There is not really any cash incentives on the '13 models right now. I say "not really" because there's some behind the scenes dealer cash that's based upon dealers hitting certain sales objectives that could provide a couple hundred dollars on deals.

    Prices Paid: Buying & Leasing Experiences Forum
  • Here's the latest information for you moorech1. BMW Financial Services' October buy rate lease money factor and residual value for a 36-month lease of a 2013 550xi Sedan with 15,000 miles per year are .00135 and 57% for consumers who qualify for its top credit tier.

    Prices Paid: Buying & Leasing Experiences Forum
  • 312chibears312chibears Posts: 1
    edited October 2012
    Hi Car Man,

    I'm new to the site and really appreciate all of the great information I'm seeing so far. I am looking at a lease on a 2012 528i xDrive with Premium, Tech and Cold Weather packages. Let me know if you think this is a good deal or if I can do better:

    MSRP = $56,325
    Sale Price = $49,313
    Money Factor = $.00165
    The dealer is located in MI so there's a $190 documentation fee and I'm being told a $925 acquisition fee on all BMW leases.

    I'm planning to put $7500 down and I'm getting the following numbers from the dealer for 15,000 miles per year:

    $621 (includes tax)/ month for a 24 month lease
    $590 (includes tax)/ month for a 36 month lease

    Thank you for your help!
  • karscokarsco Posts: 2
    Car Man--new to this forum and my questions have probably been asked and answered but would appreciate your take on this leasing scenario and then a follow up question.

    We are current BMW customers with lease on our 2010 528xi expiring January 2013. Contacted by our dealer looking to terminate this lease and get us into a new one. We like the BMW and have brand loyalty (which probably weakens our position) and want to stick with the 5 series. This particular 528 comes with the cold weather/executive packages and also contour seats. MSRP is $59,895. "Initial Cap Cost" is $56,600 with dealer invoice (we're told) at $55,800. Dealer may take a few hundred off the ICC but clearly not interested in going behind invoice. Dealer adding $925 in bank fees as additional cap. Residual @59% = $35,338 after 3 year lease term @12k miles per year. Money factor = .00155. As structured, deal sees us putting $5,500 down of which $3,800 is identified as cap cost reduction. We also get the $750 loyalty credit. Monthy payment including taxes is $676. This does not seem like a great deal frankly and would like thoughts.

    Follow up question has to do with leasing a 2012 535xi that is on the show room floor with reduced listed price of about $56,300. This car has all of the features we're looking for but not sure how a 3 year lease deal would compare given that we're late in the model year.

    Thanks very much.
  • Welcome karsco. If the dealer invoice price that the dealership that you are working with quoted you is correct, $800 over on a 5-Series isn't bad. You may want to double check the number that you were given over in the New Vehicle Pricing section of

    The acquisition fee that you were quoted is being marked up slightly, $925 versus a base charge by BMW FS of $725. So add another $200 to the dealer profit and you're really at around $1,000 over invoice. Again, this isn't terrible, but if you are in an area that has significant competition, I would not be surprised in the least if you were able to beat this offer by several hundred dollars.

    The dealer is marking up your vehicle's money factor as well. BMW FS' October buy rate for the 2013 5-Series is only .00135. Make sure that they use this factor to calculate your car's payment, especially if they are charging you $1,000 over.

    In my opinion, $3,800 is too much money to put down as a capitalized cost reduction. I always advise consumers to put zero down towards the cap cost. I do so because consumers whose vehicles are totaled in an accident or stolen and never recovered risk losing part or all of any money that they put down. Your monthly payment will be a little higher, but it's much safer to go with a zero down lease.

    Given the cash incentives that are available on the 2012 5, you might want to get the dealer to quote you a payment on that car as well. I wouldn't be surprised if it was less expensive to lease than an equivalent '13 model, even this late in the year.

    Prices Paid: Buying & Leasing Experiences Forum
  • In the Los Angeles/SFV area looking to lease a 2013 528, 36 months, 12,000 miles: Premium 1, Navigation, rear view camera, titanium silver, black dakota. No cash down, prefer to give multiple security deposits, high-tier credit rating. What numbers would I be looking at: cap cost, money factor, residual, etc.?
    Thank you for any assistance. First time leasing. Currently own a 2002 530, exc. condition, 118,000 miles which I may trade in.
  • Welcome sportconnect. Since you are new to leasing, you definitely should check out the following informative articles on the subject that are available here at 10 Steps to Leasing a New Car and Calculate Your Own Lease Payment.

    In short, the easiest way to get a good deal on a leased vehicle is to shop around for the lowest possible selling price and then have the dealer that you decide to go with calculate your vehicle's monthly payment using its buy rate lease money factor.

    BMW Financial Services' October buy rate lease money factor and residual value for a 36-month lease of a 2012 528i Sedan with 12,000 miles per year are .00135 and 59% for consumers who qualify for its top credit tiers.

    If I was in the market for this car in an area that has a lot of competition, like Los Angeles does, I personally would shoot for a selling price of $500 or so over dealer invoice and see what happens.

    Prices Paid: Buying & Leasing Experiences Forum
  • Thank you Carman for an excellent and rapid answer.
This discussion has been closed.