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BMW 5-Series Lease Questions



  • I certainly do mkbond. BMW Financial Services' January buy rate lease money factor and residual value for a 36-month lease of a 2013 535i Sedan with 10,000 miles per year are .00130 and 63% for consumers who qualify for its top credit tier.

    Prices Paid: Buying & Leasing Experiences Forum
  • Thanks. I have leased for years and have never been able to get out with any reasonable offers. I love the five anyway and couldn't imagine driving anything else.
  • Do you know if buying down the money factor is avaiulable in NY or NJ?
  • zoombie99zoombie99 North JerseyPosts: 260
    You can't post MSDs in New York since there is a law that prohibits it. You will have to lease in NJ to buy down the rate through MSDs.
    BMW 2015 Mediterranean Blue 535x
    BMW 2017 Melbourne Rent X3 28i (wife's)
  • wdl963wdl963 Posts: 2
    Hi car_man,

    Can you tell me what the MF and Residual are for a 2013 528i with 15k for 36 months?

    Thanks for your help!
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Hey wdl963

    BMW's current money factor for 2013 528i is .00130 and residual is 60% for 36 months and 15,000 miles per year.
  • ankitpooankitpoo Posts: 21
    edited January 2013

    thanx for all the help. I just closed on the deal for 2013 BMW 550XI. MSRP $72,245. Purchase price $65,336, Resv 63% (10K miles), MF .00081 (7 MSD). Monthly payments with NJ taxes comes to $689. I could have pushed them little more and gotten a better price, but i am happy that they complied with all my request and didn't nickle and dime me. It was straight up deal, no loyalty or competitor bonus. I asked them for 10% off MSRP and they came very close to it. I built the same car on Edmunds and TMV per my zip is $69,469 and Invoice it is $67,245. I purchased my car from BMW of Freehold. I would truly recommend them to everybody, very very nice people. Somebody on here just purchased there 5series end of December from Bloomfield, and Freehold is there sister delarship. Thanx!
  • $689 is a good deal. Did you put any money down?
  • hi!

    if you mean cap cost reduction , than no. i put 7 MSD of $4900 which i get back at the end of term. plus at time of closing i had to pay drive of $2284.85 which is luxury tax $261.35, DMV $ 304.50, tire tax $6, Bank Fee $725, DOC fee $299, 1st month $689. sad part is that you can't get away from these fees. as Car_man and others have been saying. Don't look at the monthly payments. As long as you negotiate on the purchase price and get your MF and Resv correct, everything else will fall in place. just make sure delarship doesn't add any hidden fees in closing cost. In my opinion Purchase price, MF and Resv are the most important factor. Thanx!
  • carman/other users - do you think this is a good deal. MSRP 62,395. 36 mos lease, 10k miles, $575/month, $2000 down plus tax, title, tags, processing and acquisition fee. I am thinking of leasing but want to make sure this is a good deal. Thanks.
  • Greetings wdl963. BMW Financial Services' January buy rate lease money factor and residual value for a 36-month lease of a 2013 528i Sedan with 15,000 miles per year are .00130 and 60% for consumers who qualify for its top credit tier.

    Prices Paid: Buying & Leasing Experiences Forum
  • You're very welcome ankitpoo. Congratulations on getting your new car. Thanks for taking the time to stop back and share the details of your lease with everyone. Real-world examples like this are always helpful for consumers who are in the market for similar vehicles.

    Enjoy your new ride :shades: !

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi mbdcars. Do you know what this car's selling price is? I ask because that number would make it much easier to evaluate this deal. The selling prices of leased vehicles are negotiable, just as if you were paying cash for or financing them. Without this number, it is more difficult to tell how large a dealer discount you are being given and in turn if there is any room to negotiate the car's selling price. Let us know what this figure is and I'm sure that either myself or another helpful community member will let you know what they think.

    Prices Paid: Buying & Leasing Experiences Forum
  • nj550inj550i Posts: 18
    Congrats on the new 550xi.

    I was looking at the same car (Blk Sapphire) but prefer in Alpine White. I have purchased/leased 4 BMWs and never once did BMW of Freehold gave me anything below invoice. I live 10 mins away and always gave them the opportunity to beat the competitor offers. But they never came back with an offer. I have a couple of questions regarding your purchase price of $65,336. Just to clarify that you did not rec'd any loyalty/USAA incentives on the purchase price? You asked for 10% off MSRP which is $65,020 and they came back with $65,336? Do you know how did they came up with the price of $65,336? Just seem like an odd #. Thanks for your help.
  • I believe the sales price is 57300.
  • hi!

    it all started with 2013 550ix with cold weather package (bmw of bloomfield, sister delarship of freehold). MSRP for that car is $66545. the selling price for that car is $60500. which is 90.9% off. that car is in Alpine white with black dakota interior, what you are looking for. lease price for that is $599 month with 7 MSD (.00081 after MSD) and Resv 63%. i told them to do 10% on my car which would be $65021 (MSRP $72245), which they didn't want to do. 90.9% ON $72245 is $65671, so i told them to split it and we came $65,336 as a result. all this was done before i went to the delarship, i didn't want to haggle in person. if you are interested in that alpine white 550ix, let me know, i can talk to them and see if that car is still available. freehold were willing to bring that car from bloomfield since it is there sister delarship. Thanx!
  • nj550inj550i Posts: 18
    ankitpoo, thanks for the reply.

    The one in Bloomfield does not have the M-Sport package which is a must have option for me. Currently I have a 2010 550i M-Sport and need to sell private. Avg asking price on Autotrade is about $41K, CPOs are around $44K. And dealers want to give me $32K for trade-in (so, they can make $10K+ on my car). While shopping for my wife 2013 X5 back in Nov 2012, Freehold offered $300 over invoice while Park Ave BMW offered $1,100 below invoice. I know Park Ave have an Alpine White with MSRP of $74,445, but trade-in value without seeing my car is $32.5K. When I read your post, I was very surprised on your purchase price from Freehold. That is an excellent price without any incentives. Enjoy your car!
  • Hi car man:

    My wife and I are negotiating a 36mo/10K per year lease on a new 535i. We are getting one that is jet black/oyster/black dekota interior, Driver assist pkg, M-Sport pkg, Technology pkg, heated front seats, power rear sun shade, premium hi fi system, i phone snap in adaptor and carpeted floor mats (MSRP $64,119). The dealer says they are doing invoice plus $500. They want $5500 total cash drive off with a total payment of $690/mo. They said this is with "elite credit" level. The car is being ordered from the factory. Is this a good deal? Should we wait for March incentives?? They historically give $1500 off at that time. We are talking to the BMW dealer in Escondido, CA a BRECHT dealer and dealing with Nabi and Pierre. They said 2013 cars cannot be ordered from the factory after March.

  • hi!

    wow, that trade in value is very low. just FYI, i was talking to internet sales assistant. Her name is Eileen. Tell her Ankit refered you, she will find the car you are looking for, and let her know to make similar discount off MSRP as me. Sometimes it's just better to sell the car on your own rather than trading it in. It is very hard for delarships to move 550's than 535's. Thanx!
  • whompwhomp Posts: 5
    The other thing to remember is that asking price is not what they sell for, especially at dealers. Look at Edmunds TMV and KBB to get a realistic idea of a fair offer.
  • Hello Ankitpoo,

    Thanks so much for posting your real world example and lease price paid. I am looking for a very similar car (2013 550xi with M Sport package). Found one at a dealer in NJ in the Carbon Black color I want, but they are quoting a much higher monthly payment (and the MSRP is slightly less than yours at $70,195). This is very useful info that you provided. I will try to get them down in monthly payment. To confirm, you did a 36 month lease? or 39 month? And just to summarize, your figures were as follows:

    MSRP: $72,245
    Purchase Price: $65,336
    Resv: 63%
    10,000 miles per year
    MF: .00081 (with 7 multiple security deposits(MSDs) for a total of $4900)
    Monthly payment total = $689 (includes NJ tax)
    At closing, had to pay $2284.85 upfront which includes:
    1. 1st month payment of $689
    2. luxury tax: $261.35
    3. DMV: $304.50
    4. Tire tax: $6
    5. Bank Fee: $725
    6. Doc Fee: $299
  • hi!

    yes everything you have stated is correct. My lease is for 36months. Try to ask car_man what the MF and Resv are for 39months, and see which is better. I wanted to do 36months, because i wanted my lease to end rite around now. So i can get good deal in December when it is time to get a new car. I missed out in December, because i was on vacation. What i should have done is locked in the December incentives and than go car hunting in Jan. but lesson learned for next time. if the delarship you are talking to is not budging on the price, go to another one and say i am interested in this car, and see what they can do. Thanx!
  • Hello Car_man, thank for your help - Per Ankitpoo's suggestion, can you please provide the following:

    2013 550ix:
    36 months: MF and Resv
    39 months: MF and Resv

    2013 535ix:
    36 months: MF and Resv
    39 months: MF and Resv

  • wdl963wdl963 Posts: 2
    Thanks Car_man. Can you also give me the same info (MF, Residual) for a 2013 535i with 15k Miles and 36 Months?
  • Hello Car_man,

    I have been working on a purchase of a 2013 BMW 550i and this is what they have told me thus far:

    MSRP: $74,770
    Invoice: $68,955
    Purchase Price: $70,000 (this is my target, we are still working to this, I'd like $69.5K Better
    Lease Term: 3 Years, 12K miles per year.
    Residual: 62%, I was initially told 63% but they said 12K a year is 62%.
    Money Factor: 0.0017

    I have outstanding credit, when I do the calculations I get a payment of $854.55 excluding sales tax. Does the above information look accurate? I keep reading that perhaps waiting until March when incentives might be better may be the way to go here? I have read online that perhaps the residual on a 550i for 3 years and 12K miles is only 60%?

    While I am at it, anyone have any good suggestions on dealers in AZ or nearby state? Dealer here is saying $2100 off MSRP is a good deal and I know that isn't true. They are pretty much not willing to move much. I want to do $500 over invoice or even lower.
  • Hi!

    Resv you stated is correct, for 12K a year it is 62% for 36 months. 63% is for 10K yr. MF you states is higher. The correct MF for top tier credit is .00130. In my opinion 550's are a lot harder to move than 535's. I almost got 10% off MSRP for me. But than i live in NJ. Try to see to see what other delarships are offering. Thanx!
  • Thanks ankitpoo. So if I adjust the money factor to .0013 without tax the payment comes out to $808.00 does that sound about right?

    The dealers in AZ are hesitant to move off much more than $2500 off MSRP. Do you know if I worked out a purchase in say LA that they could do a dealer ship to one here in AZ? They seem to be much more willing to deal in California and even Las Vegas. I'm trying to avoid the tax and vehicle registration complications if buying and taking possession out of state.
  • hi!

    If the delars in LA or LV can ship the car to you or the nearest delar, than i don;t see any problem. try to see what the online lease companies can do. try googling it to find one in west coast. as per the tax and registration, i don't think it will be a big problem. if you want more info on that, try that is a very good website for BMW and ask under the forum for "Ask a Delar". there are so many sponsered delars on there, and they are all good. especially Greg Poland, Jon Shafer, they are the best. i bet they will help you out, and there prices are basically unbeatable. Thanx!
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Hey guys,
    Just helped a friend get this deal on a 2013 535i xDrive sedan. He was coming out of a 2010 335i sedan and took advantage of the BMW pull ahead program.

    MSRP is $61,820 with Premium package, Cold Weather package, Navigation and Premium Hi-Fi Sound. Leased it for 36 months and 12,000 miles per year with just inceptions due at signing. Selling price was $54,992 with .00130 money factor and 62% residual. See the details below...

    Customer Name: Inside Car Buying LLC WD Deal ID: 21803
    Sale Vehicle: New 2013 BMW 5 SERIES 135D 4dr Sdn 535i xDrive w/AC , Automatic , Odom: 0

    Payment Details
    Term 36
    Base Payment 584.20
    Total Payment 584.20
    Purchase Option 38,328.40
    MSRP 61,820.00
    Est. Miles Per Year 12,000
    Disposition Fee 350.00
    Excess Mileage Charge 0.20

    Amount Due at Signing

    1st Month Payment 584.20
    Acquisition Fee 725.00
    Fees & Insurance 384.00
    Upfront Taxes 1,609.88
    Total Inception Fees 3,303.08

    Total Cash Required on Delivery 3,303.08

    Tax Information
    Customer State: New York Customer County: WESTCHESTER
    Type Amount Rate Paid
    Cashdown Tax 59.00 7.3750 Upfront
    Upfront Tax 1,550.88 7.3750 Upfront

    Fee Information
    Description Amount Paid
    Reg 286.50 Upfront
    Insp 10.00 Upfront
    Title 12.50 Upfront
    DocFee 75.00 Upfront
  • rudycassaprudycassap Posts: 5
    edited February 2013
    Wondering if anyone was able to do better in January on a 550i with M Sport package. Car is in Graphite Metallic and also has the Sport Auto with paddle shifters. MSRP 66,695 and selling price is near 62,000. Car is a 2013 model year.

    In my opinion, once you add options to a 535i you might as well go 550i since it includes navigation, PDC, rear camera, Dakota leather. Also, I hate the BMW stop-start system and the 550i does not have it.

    California lease. 36 months, 10k miles per year.

    4,800 dollars total driveoff (includes 1st month payment, tax, license).
    63 percent residual
    money factor is 0.00125
    monthly payment of 683.11 including tax (base payment is around 623).
    Deal includes 2,000 dollars BMW lease cash.

    Car is comfortable and has power, but I feel it is kind of boring. Just thought BMW has attractive leases compared to Lexus GS 350 F Sport and Mercedes E550. Any thoughts?
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