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



  • jjskywlkerjjskywlker Posts: 3
    edited May 2013
    Out of curiousity, how did you negotiate the 64% residual value? I frequent Ride With G's forum, and the May lease rates on 2013 528xi appears to be 62%. This represents a difference of about $35 per month payment. Edit: Nevermind, I see that his values are based on 15k miles, 12k adds 2%, coming up to 64.

    I am looking into the possibility of leasing a 2013 5 series in Virginia, all in the $58-63k range, and would love to get a comparable deal of less than $600 with less than $4k out of pocket with no cap cost reduction nonsense.

    What do you think the absolute floor selling price/invoice on this thing might be? $57-$58k, or higher? Fairfax-VA/WBAXH5C55DD110520/1000204947/
  • sjeedsjeed Posts: 86
    MSRP: 64,975
    Sell: 60,810
    Miles: 10K
    RV: 63%
    MF: .00127

    I think these deal numbers look great! What say the group?
  • Current lease offer on for '13 535i: x?NAModelCode=135C&OfferType=2&regiontypeid=2

    MSRP: $55,825
    $750 buyer loyalty cash
    $3,000 down (cap reduction, correct?)
    Net cap cost: $52,075

    Purchase Option Price: $35,170

    36 month, 10k miles/year
    Lease payment $539/month (less taxes, I assume)

    Q1: Do you consider the "Purchase Option" price to be the residual, which would here would be 63% of MSRP? That seems about right, though 10k/year leases here seem to have a 64% RV.

    Q2: By my math, to get to a monthly payment of $539 the money factor would have to be below 0.0008. Most recent posts here show 0.00127 to be about as low as can be found. So what gives?

    I'm trying to do the math on the the offer -- any clarification would be appreciated!

    I am planning to lease a 535i with M and technology packages in San Diego. If anyone has dealer gouge for SD, I'm all ears.
  • kyfdxkyfdx Posts: 70,207
    That "net cap cost" is from you, not the advertisement, right?

    The advertisements usually factor in an undisclosed dealer discount, which isn't accounted for.. you wouldn't pay MSRP, would you?


    Prices Paid, Lease Questions, SUVs

  • The net cap cost is what I assume the cap cost is based on the MSRP, loyalty incentive and $3,000 down.

    The undisclosed dealer discount is the piece I was missing, which I assume is simply more cash off the net cap cost, or is it a reduction in the money factor, or both? I just want to understand how the $539 payment is computed based on the other given numbers.

    And no, I'd certainly never pay MSRP, and never have. This was all purely a math exercise to be sure I understood how BMW computes a lease and where they are changing the numbers to arrive at a specific payment.

    If I knew from this advertised deal that they were willing to go to 0.0008 on the money factor (half of what the salesman quoted me today), I'd use that in my bargaining. If I knew they were willing to knock a few thousand off the cap cost, I'd use that, too.
  • kyfdxkyfdx Posts: 70,207
    The dealer discount would result in a lower cap cost.. Adjust that variable until you see the listed payment, and you'll likely discover the imputed discount amount. The MF can't go lower than the base rate, but they can certainly mark it up.


    Prices Paid, Lease Questions, SUVs

  • insidecarbuyinsidecarbuy NYCPosts: 95
    Between 9 and 10% off MSRP plus any current incentives. Also, watch out for those high dealer doc/conveyance fees.
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Very aggressive pricing on the 550i M packages lately. Many leasing in the high $600's with MSRP around $70,000.
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Your about $300 over invoice. You should be able to get another $1,800 to $2,000 off.
  • jdg3158jdg3158 Posts: 2
    edited May 2013
    Insidecarbuy - i have a 535 M sport and trading it in and was offered 900 with absolutely nothing out of pocket on a 550 - 72K car. What should i expect to pay with nothing out of pocket.

    Deal is roughly
    72K car
    10K miles
    36 months
    899 per month
    $0 cash at delivery
  • sjeedsjeed Posts: 86
    edited May 2013
    Is the amount off, the dealer incentive that you are gearing towards, the same if the car is ordered versus one that is in stock? (The configuration that I want needs to be ordered.) Thx
  • insidecarbuyinsidecarbuy NYCPosts: 95
    Doesn't make a difference whether its in instock unit or ordered. Car has the same mark up!
  • insidecarbuyinsidecarbuy NYCPosts: 95
    What State, city and tax rate? Is it all wheel drive or rear wheel?
  • sjeedsjeed Posts: 86
    Sorry to be so detailed, but I just wish to confirm that the dealer gets whatever incentives available that allows them to sell below the Invoice, even when the car is ordered versus one that is in stock?

    I always endeavor to be fair with my dealer because I am loyal and believe that they deserve to make some money on sales, especially so they are there next time I am ready to buy. This will be my 6th BMW and I have only purchased/leased with 2 dealers and 2 salespeople; and I only switched dealers because the first salesperson was no longer at their dealership and it was too far away at that point.
  • A BMW dealer in Los Angeles is offering (May 13, 2013) the following lease deal on a 2013 BMW 550i in stock, and I'd like to get your opinion on the offer:

    MSRP 75,550.00
    Selling Price 71,545.00
    BMW NA Owner Loyalty 750.00
    BMW F.S. Lease Owner Loyalty 500.00
    Residual Percentage 63% or 47,596.00
    Money Factor .00127

    36 Month Lease
    10,000 Miles Per Year
    1572.18 Total Drive Off
    876.15 Per Month including tax
  • mr_elvismr_elvis Posts: 1
    edited May 2013
    Insidecarbuy - I have a 335i convertible which is approaching end of lease. By next month I will qualify for the pull ahead program which I plan to take advantage of. I am looking at a 535 primarily though the 550 catches my interest (if the payment is right, of course).

    The 535 M Sport I'm looking at has an MSRP of $61,745. What kind of payment would I be looking at if I took advantage of the following incentives available to me?

    - $500 first payment contribution by BMW Financial
    - $750 Loyalty Contribution
    - $1000 BMW Contribution for participating in Driving Experience
    - Dealer Discount off MSRP (what can I expect)?

    10K miles
    36 Month Term

  • jjskywlkerjjskywlker Posts: 3
    So dealer is sticking hard at what he claims is invoice of $58,655 on the MSRP of $63,320 (7.37% discount). Any tactics I could use to continue getting down further? I will qualify for USAA and BMW loyalty, so subtract another $2250, so out the door will be approximately $56,405.
  • aaallinaaallin Posts: 4
    Hey, like the deal you posted for 528i. I've been looking to lease a 535ix with Premium package, cold weather, rear view camera, driver assist and tech package. 12k miles per year. Can not located the deal yet. May be I can lease one from you?
    Reside at queen, new York.

    Thank you.
  • macbjgmacbjg Posts: 11
    edited May 2013
    So, if I have a $665. quote on a 15k/yr lease ($0. cap cost reduction) for 535xi with premium, cold weather & tech based on a selling price at just about invoice, I really should be able to knock off a few more bucks?
  • jdg3158jdg3158 Posts: 2
    Sorry about the late reply. was traveling the last week. California, LA County and 9% is the city tax rate.
  • santy19santy19 Posts: 4
    Looking for good leasing rates in NJ for 2013 528xi. Could anyone please let me know what is a good leasing rate considering the MSRP is 60k.

    Term 36 Months
    Mileage 10,000/year

  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi santy19. BMW Financial Services' May buy rate lease money factor and residual value for a 36-month lease of a 2013 528xi Sedan with 10,000 miles per year are .00127 and 65% for consumers who qualify for its top credit tiers.

    Prices Paid: Buying & Leasing Experiences Forum
  • santy19santy19 Posts: 4
    Thanks for your prompt response Car_man!

    Could you please let me know the residual value for a 24 months lease of 2013 528xi. Also, is the residual value for 535xi is same as 528xi?

    Also, this would be my first lease ever and I do not have a credit history. However, my credit score is pretty good. Would that qualify me for top credit tiers.

  • kbest1kbest1 Posts: 8
    edited May 2013
    Hello, I am new in this so I wanted to see if you can help me figuring out 528I lease quote I got back in April but now I am more serious and ready to action but wanted to get a ballpark where i should be expecting to be. Here are the details:

    MSRP - $52345
    Selling Price - $49024 (Right at my cost)
    TTL- $1704.14
    Money Factor - .00170
    Residual - 60% for 15k year, 63% for 10k year. I used the 15k per year
    Trade payoff - $23934.43
    Trade Value - $24000
    Rebate - $1500 and owners loyalty $750

    All the above actually calculates a $653.20 payment on 36 month lease. I am in Texas.

    Is this a good deal?

  • klc3757klc3757 Posts: 9
    Would you mind letting me know the MF's and residual values for the following?

    - 535xi
    - 36 months
    - 10k and 12k

    Debating on 528xi/535xi among some audi's!

  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    You're welcome santy19. BMW Financial Services' current buy rate lease money factor and residual value for a 24-monrh lease of a 2013 528xi Sedan with 15,000 miles per year are .00127 and 68% for consumers who qualify for its top credit tiers.

    The numbers for an otherwise identical lease of a 2013 535xi Sedan are .00127 and 66%.

    It's difficult for me to say whether you would qualify for BMW's best money factors. If you do not have much of a credit history there's certainly a chance that you might not.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi klc3757. BMW Financial Services' May buy rate lease money factor and residual value for a 36-month lease of a 2013 535xi Sedan with 12,000 miles per year are .00127 and 62% for consumers who qualify for its top credit tiers.

    The residual value for a lease with 10,000 miles per year would be 1% higher.

    Prices Paid: Buying & Leasing Experiences Forum
  • kbest1kbest1 Posts: 8
    Car_man did i post my #3915 incorrectly? noone is responding to me, not sure if i did it right. Thanks
  • santy19santy19 Posts: 4
    Thanks Car Man! I will let you know how my deal goes.
  • moguptmogupt Posts: 20
    What are the June incentives, residuals on 528i, 535i anf 550i for 36 months 12/15k?
    Also, What kind of reductions off MSRP can be expected?
This discussion has been closed.