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BMW 5-Series Lease Questions



  • Hello grandyt. BMW Financial Services' November buy rate lease money factor and residual value for a 36 month lease of a 2011 535xi with 15,000 miles per year are .00225 and 56%, respectively.

    $500 over dealer invoice before the deduction of the $1,500 cash incentive would be an excellent deal.

    Prices Paid: Buying & Leasing Experiences Forum
  • tkcanetkcane Posts: 6
    edited November 2010
    Hey Guys -

    Looking at a 535 with a sticker of $62,925. Offer on the table:

    Invoice: $57,855
    Cap Cost: $59,500

    BTW - I have October lease rates locked in as option

    24 month, 1900 down, 12K miles, 988+ tax

    36 month, 1800 down, 12K miles, 831+ tax

    24 month, 7000 MSD, 12K miles, 938+ tax

    Seems on the high side to me, any idea where they are getting me?

    Thanks in advance
  • These amounts are off the wall.
    Three dealers offered me invoice. Another said he would beat invoice if I showed him an offer from the others. I decided not to, because I wasn't too keen on this dealer. so, go fgor invoice. Find out what the net money factor is.
    And, you certainly should get the $1500 cash back from BMW.
    For 535i, 3 yr lease, 12000 miles, what is MF for Nov?
    (I was .230 for Oct.)
    My car on order, now being made in Germany -- what port does it ship from?
    Does it get to port in Los Angeles? If so, is it thru Panama Canal? How long?
    Trying to understand process.
    Many thanks.
  • Hi,

    I am getting a new 2011 535i and since I am in Texas, I have decided to go with Owner's choice. Here are the numbers. Please let me know how the deal is?. How much is dealer's approx. profit ?


    MSRP as equipped $64625.
    Sale price AFTER $1500 discount $59200
    Total Amount financed (including TX taxes + misc fees) $63470.24
    TTL = $4120.24
    residual $37482.50 (58%of MSRP)

    Owner's Choice - $0 down, $0 @ signing,12K/36 months, monthly payment $956.52

    When signing the actual lease papers, What shall I look for? Actually, I want to see the blank copy of the contract - Can somebody post it here?



  • Hi Car Man

    Looking at 535i msrp 53250 plus $875 del -- what should I be paying on a 36 mo 12thou a year with no money down --


  • Greetings Gordon. BMW Financial Services' November buy rate lease money factor and residual value for a 36 month lease of a 2010 535i with 12,000 miles per year are .00225 and 58%, respectively.

    We can use these numbers to work up a sample payment on the exact car that you are interested in for you. All we need is an approximate selling price for it. Shoot for $500 to $1,000 over invoice minus the $1,500 cash incentive that is available on this car and see what happens. You can look up the invoice price for the exact model that you want over in the New Vehicle Pricing section of

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi - The lease on my current 5 series is up in January. I have no regrets with the lease, but I've decided I want to buy a car and keep it for a while now. I'm considering the Owner's Choice option (balloon payment). My logic is that I can get a lower interest rate for a 36 mo period (versus 48 or higher) and lower monthly payments. Ideally, I would make additional additional lump sum payments each year so I would end up without the balloon payment at the end. My goal would be to pay it off in three years, but I like the flexibility of the lower payment (and interest rate). What am I not considering? Thanks!
  • I'm trying to figure out the MSD math. If every SD drops the MF by 0.00005, up to 7 MSDs, then wouldn't the maximum reduction be 0.00035 (7 x 5 = 35), not 0.00049?
    Or does each SD reduce it by 0.00007?
  • kyfdxkyfdx Posts: 64,727
    It's .00007


    Prices Paid, Lease Questions, SUVs

  • omegagenomegagen Posts: 67
    edited November 2010
    Car-Man is this deal OK?

    MSRP $58875
    Invoice $54160
    Selling price $56450

    36 mons. @ 10k/yr
    Net Cap. Cost $56272
    Acquisition fee $925
    $972 due @ signing
    Money factor 0.00225
    Monthly payment $869
    The above includes the holiday cash back.

    There's another one I'd prefer. It's MSRP is $62700 & Invoice is $57645. No quote on this one.

  • banglenotbanglenot Posts: 31
    edited November 2010
    Consider that your off-lease purchase price is negotiable: you can negotiate considerably lower than your residual value. However, BMWFS will not negotiate the price with you. You negotiate it with the dealer. And don't accept the line that BMWFS sets the residual price and is firm on it. They aren't.

    Dicker for your off-lease price like you would for a used car. I bought my 07 530 last year for $3K below residual, with CPO included. At the time, BMWFS was stocked with used assets and was willing to unload them.

    I assume (no certain knowledge here) that the dealer ends up buying the car from BMWFS for X and "sells" it to you for X+Y, Y being their profit on the deal. X, the "value" of the car is largely driven by professional auction values, though I assume that BMWFS and the dealers have a number of other money flows based on other factors that they use between them.

    So, in my case, residual was $32K, and professional auction was $25K, I was able to dicker somewhere in between. I got mine for $29K, BMWFS got it off their books, I got CPO thrown in and the dealer made a few K as well.

    You have to work with a few dealers, because each has its own in-house rules and psychology on this kind of dickering. Remember that it is the same approach as buying a used car; it's just the used car you used.

    Good luck. Everything is negotiable.
  • Hey Car_man,

    Could you be so kind to tell me if this proposal sounds like a good deal:

    2011 535i
    Premium I
    Premium II

    MSRP $59,500

    The dealer has offered to lease it to me for $832.15/month. Nothing out-of-pocket except for bank fees and tag. 36 months. 12k/miles.

    Seems a little high to me still.

    Any help would be greatly appreciated.

  • warbernwarbern Posts: 55
    edited December 2010
    I'm trying to find out the current December money factor and residual on a 2011 535i Gran Turismo on a 36 month lease with 12K miles per year. Thanks so much!
  • What is MF for 2011535i (NOT Grand Turismo) for 36 month, 12K per year? and for 15K per year?
    For any of you in So Calif, I recommend Center BMW in Van Nuys. I can't mention the name of salespeople, so I will urge you to go to the fleet manager.
  • Hi omegagen. The selling price that you were quoted is $2,290 over dealer invoice. If you are in an area that has a decent level of competition, there is a good chance that you will be able to negotiate a larger dealer discount than that.

    Also, don't forget that BMW is currently providing a $1,500 cash incentive on leases of this car this month.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi kdl0013. You never mentioned this car's selling price. 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 left to negotiate. Let us know what the selling price is and I'm sure that either myself or another knowledgeable community member will gladly tell you what they think.

    Prices Paid: Buying & Leasing Experiences Forum
  • Here's the information that you're looking for, warbern. According to the latest information that I have seen, BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2011 535i Gran Turismo with 12,000 miles per year are .00215 and 58%, respectively for consumers who qualify for its top credit tiers.

    Prices Paid: Buying & Leasing Experiences Forum
  • Hi asteinberg. BMW Financial Services' November buy rate lease money factor and residual value for a 36 month lease of a 2011 535i Sedan with 15,000 miles per year are .00225 and 56%, respectively.

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

    Prices Paid: Buying & Leasing Experiences Forum
  • Thanks for the reply. I ended up buying a 2008 BMW 550i. For some reason the new bodystyle hasn't quite grown on me. This is essential especially when I'm about to get tied into a lease for 36 months!
  • I have to agree on the new body style. Good call on buying used. Better value.
  • Car man, what are the december lease rates and residual values for 2011 535 xi with 12,000 miles / yr and 36 months duration?
  • x021627x021627 Posts: 152
    edited December 2010
    Let me know if this is a good deal or not:
    2011 535xi
    -cold pkg
    MSRP $57,925
    Selling price: $54700 before $1500 holiday cash
    Residual $33596
    Miles 12K/36 months
    MF .00185 (528xi returning leasee MF)
    Payment $679
    Out of pockets: taxes, doc fee, registration fees, acq fee)

  • My price was higher (I have premium-2 package) but my selling price came to 6.7% off of MSRP, vs. the 5.6% off you're seeing, before receiving the $1,500 incentive from BMW Financial. I purchased rather than leased, but that shouldn't make a difference.
  • CarMan,
    Can you please provide me with the rate & residual for a lease of a 2011 BMW 550i. This is for a 36 month lease with 10K miles per year.

    The car has an MSRP of $71,700
    Selling price is $67,905

    They are offering me the car for $4500 down $1085/month (that includes the 6% sales tax).

    Thank you very much.
  • gvitalik1gvitalik1 Posts: 50
    edited December 2010
    Hi All,

    I'm offered a following deal on 535:

    MSRP $58625
    Invoice: 54545
    Selling Price 55545
    MF 0.00176 (after 7 SD of 5600) Original 0.00225
    Payment 792 tan inc

    Screen shot of this deal:

    CAP COST 55545.00 TRADE ACV 0.00 1ST PYT 790.31

    CAP RED 1438.51 PAY OFF 0.00 SEC DEP 5600.00

    M.S.R.P. 58625.00 CASH DOWN 0.00 LIC FEE 711.00

    RESID % 59.00 INT RATE 1.76 PRORATA 0.00

    WARRANTY 0.00 TAX RATE 9.50 BANKFEE 795.00

    TERM 36 BASE PYT 721.74 DRIVOFF 8676.48

    I'll get $1500 back from BMW

    Is this a good deal?
    Is it worth it to use MSD program?
    Can I do better then $1k over invoice?

  • x021627x021627 Posts: 152
    edited December 2010
    I managed to negotiate to $53900 before the $1500 customer cash and got OOP reduced or no mark-up for acq fee, money factor (528 loyalty mf), doc fee and registration fee + taxes, along with first payment. I'm pretty happy with the deal and think it's fair. Oh, did I mention, they are picking up the last 2 payments on my current lease too? :shades:

    MSRP was $58475.
  • 2011 BMW 535i with 2000 miles; titled 9/15/10. now being sold used by a mercedes dealer as a trade in. original MSRP was 68,000 fully loaded. dealer is offering 15,000 off MSRP. Carman or anyone know what depreciation of this vehicle is or what a good price to pay for a nearly new vehicle?
  • x021627x021627 Posts: 152
    i'd wonder what is wrong with that car that someone dumped it 3 months after it being titled.

    Caveat Emptor! :confuse:
  • Car man - can you please share the MF + residual for a 528i

    I'm interested in a 10k - 3yr Lease.

This discussion has been closed.