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2013 and earlier BMW X5 Lease Questions



  • x5fan10x5fan10 Posts: 19
    Someone pls help me with june MF's and residuals for X5-3.0 for 10k and 12k.
    need urgently. going to c the dealer tomorrow. Also, the 1750 cash offer- is that really for ALL or only for returning customers?
  • tomcat626tomcat626 Posts: 24
    It's 0.00195 for new customers and $1750 is for all.
    RV: 57% - 12K, 58%-10K

    The deal I got:
    MSRP $ 56375
    36M 12K
    Paid upfront: drive off, acquistion fee and security deposite.
  • x5fan10x5fan10 Posts: 19
    thanks Tomcat626

    is the MF same for all or i could get a different no. whn i go to the dealer?
  • tomcat626tomcat626 Posts: 24
    If not a returning customer, you get this 0.00195 MF straight. Unless you leave one security deposit to lower it to 0.0018.
  • tomcat626tomcat626 Posts: 24
    The finance guy told me that I will have to pay $350 of disposition fee at the lease end plus any damage fee. I was showed a little piece of plastic measure tool and told any damage or scratch larger than 2 inches on each PANEL would cost me at least $300 at lease-end, and any TWO scratches less than 2 inches are considered a LARGE scratch. That part really scared me off. Then he tried to sell me the Safe Lease program for almost $1400...
    Anyone knows if BMWFS is actually that strict on their return lease?
  • kyfdxkyfdx Posts: 64,720
    Then he tried to sell me the Safe Lease program for almost $1400...

    I think you answered your own question.. ;)


    Prices Paid, Lease Questions, SUVs

  • teck2u2teck2u2 Posts: 33
    Hi - I went Hassel BMW in NY this evening and was quoted the following on a 36M/10K miles per Year lease:

    09 X5 xDrive 30i
    MSRP $55,625
    SP $52,704
    Total out of Pocket $4,452 this includes (Tax, 1st Month Payment, Security Deposit of 1 Months Payment, Title)
    Rebate $1,750 (Cap Cost Reduction)
    MF – 0.180
    Residual 58%
    The price is basically Edmunds TMV and includes the following:
    - Cold Weather Package $1,250
    - Technology Package $2,600 [this includes Navigation and Park distance control (back up camera)]
    - Running Boards $300
    - Rear Seat Entertainment $1,700
    - Nappa Leather Upholstery $1,450

    Can you please tell me if:
    1. This is a good lease?
    2. Is the Selling Price okay?
    3. Is the MF correct?
    4. Can I get a better deal?
    I know Car_Man advises against money down but I want to keep my payment decent. I am also considering the Acura MDX with Tech and entertainment package (my wife actually prefers this car, go figure) and I made an offer of $40,800. Waiting to hear from Acura Dealer

    Decisions, decisions! :confuse:

  • x5fan10x5fan10 Posts: 19
    finally went to a dealer today. this is the deal.
    x5 black with prem, cold, tech and rear entertainment.
    FINAL PRICE 53450
    36 MONTHS 12K
    -1750 CAP COST RED
    MF- 0.0180 IF PAY 700 DOWN AND 0.0195 IF I DO NOT PAY IT UPFRONT


  • teck2u2teck2u2 Posts: 33
    Hey - just got the following deal from Hassel BMW in Long Island NY

    X5 3.0 -
    MSRP = $55,625
    SP = $51,350 which includes:
    - Rear entertainment
    - Running Boards
    - Nevada Leather
    - Cold Weather Package
    - Technology Package
    - MACO
    - Destination and Handling

    12 K Miles
    Monthly payment $643

    Total Due at signing $4297 which includes:
    - $650 Security Deposit (yes this is refundable upon completion of lease)
    - $725 Bank Fee
    - $1997 Taxes
    - $213 Tax on rebate $1750 Rebate (yes Uncle Sam taxes this too)
    - $643 first month payment of
    - $67 state charges

    My Taxes are up front and I'm not sure you have a choice but to pay the security deposit up front

    I am still think about color. I think this is a good deal and I am about to sign, thoughts?

  • x5fan10x5fan10 Posts: 19
    looks like a good deal to me.
    someone pls help me also.

    the sales tax on the vehicle once paid upfront- do i have to pay any other tax on top of the monthly lease payment???
    my sales tax on x5 is 3207- which i will upfront. will i have to pay any tax on my monthly payments also?
    also if someone can help me calc my lease- i m getting confused.
    MSRP- 57125
    final price- 53450
    taxes- 3207
    MF-0.00195(no deposit) and 0.00180($700 deposit)
    res- 57 percent.

    pls help- dealer told me 681 with MF 0.00180. 4882 down which includes sales tax, first payment and 700.00 security, title and registration, dealer fees etc.
    is the lease payment correct??

  • tomcat626tomcat626 Posts: 24
    Guys, don't forget there is an acquistion fee (bank fee) of $725 and disposition fee of $350 at lease end.
  • norcalsuvnorcalsuv Posts: 2
    Does BMW publish any leasing terms on CPO leasing? I haven't given it much thought but wonder if I can get a decent lease deal on '08 or '09 CPO X5. Any opinion or suggestion would also be welcome as well.
  • x5fan10x5fan10 Posts: 19
    I have a quick question regarding taxes on lease.
    In maryland, do u pay taxes on the total SP of the vehicle u r leasing or only on the value of the vehicle u will be using i.e. SP minus residual value.

  • rahulskhrahulskh Posts: 2
    I am trying to lease 09 BMW X5 30i, had couple of things would like to find out.
    Options I am looking are:
    Cold Weather Pkg, Rear Climate Pkg, Tech Pkg, Prem Pkg, iPod USB Connector, 3rd Row Seat and Trailer Hitch. Total MSRP is coming out to be $59270 with dest charge included. I am asking dealer for 48k and the best he is willing to do is around 53k including june 09 lease incentive. Am I asking too much? Besides tax, tags and title what will be the acquisition fee? I am a Virginia Resident trying to make a deal in MD as MD has a state wide that dealers cannot charge buyer a processing more than $99.00.
    Anyone, please let me know if 48k is the right amount I am negotiating or shall I increase my offer a little bit.
    Thanks alot!
  • mensah007mensah007 Posts: 8
    I got the following offer from my BMW sales person in Maryland on a 2009 BMW X5 3.0 w/ Technology Package (includes Rear View Camera, Navigation and Park Distance Control), Running Boards & Heated Seats:

    Lease is for 10,000 miles per year with $3500 cap reduction plus applicable tax, tags, 1st payment, security deposit & acquisition fee. Lease calculaltion already includes $1750 Loyalty/Conquest Cash Incentive.

    $5,000 down

  • norcalsuvnorcalsuv Posts: 2
    i am certainly not an expert but experts here and elsewhere advised strongly against putting any money down on lease. if there is a total loss (accident, theft, loss, etc.) i don't think your insurance pays for it.
  • Has anyone succeeded in getting a 2009 X5 at invoice minus $1750? Looking for 36 months lease @12K miles per year. What is the published MF and RV? I do not want to pay security deposit? Is it possible? I just want to pay 1st payment and plate fee when picking up. All taxes roll into lease payment. The X5 Lease special @$539 is pretty good if we can forego the $4000 down and security deposit.

  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi x5fan10. Here's the information that you're looking for. BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2009 X5 3.0 with 12,000 miles per year are .00180 and 57%, respectively. When negotiating your lease on this truck, make sure to take advantage of the $1,750 cash incentive that is currently available on leases of it.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hello sleepie28. BMW does have a multiple security deposit program. The last time that I checked, it allowed lessees to provide up to seven additional security deposits on leases, with each extra deposit reducing the money factor that is used to calculate their monthly payment by .00007.

    If you have extra money laying around and you want a lower monthly payment, multiple security deposits are a better way to go about getting it than making a capitalized cost reduction. Unlike down payments, assuming that your truck is in good shape and under its mileage allowance you will actually get your extra deposits back at lease-end.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi teck2u2. Let's take a look at this deal. The .00180 money factor that you were quoted is right in line with BMW FS' buy rate for this model. That's a good thing.

    Now let's take a look at the other important factor, the selling price. The BMW X5 that you are interested in has a spread of around $4,400 between its full MSRP and its dealer invoice price. You were quoted a dealer discount of $2,921. That's probably around $1,500 over dealer invoice. That's not terrible, but if I was in the market for this truck I personally would try to shave another $500 to $1,000 off of this vehicle's selling price.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi x5fan10. I personally don't know how sales tax is calculated on leased vehicles in Maryland, but you may be able to find out by visiting one of the following sites:

    Maryland Department of Motor Vehicles


    Comptroller of Maryland

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi rahulskh. The X5 that you're interested in probably has a spread of around $4,800 between its full MSRP and its dealer invoice price. Plus BMW is providing a cash incentive of $1,750 on it right now. That gives you a total of around $6,550 to play with during your negotiations. The $53,000 selling price that you were quoted is actually a really good deal. The $48,000 price that you want is probably not attainable.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hey mensah007. The best way for me to evaluate this deal is for me to take a look at this truck's selling price in relation to its MSRP. Let us know what these numbers are and I'm sure that either myself or another knowledgeable community member will let you know what we think.

    One thing that I notice about this deal right off the bat is the large $5,000 down payment that you are considering making. I always advise consumers not to make large down payments on leased vehicles. Lessees who make big down payments risk losing part or all of them if their vehicle is totaled in an accident or stolen and never recovered.

    Prices Paid: Buying & Leasing Experiences Forum
  • x5fan10x5fan10 Posts: 19
    thanks Carman

    Had one more q?
    i finally got a deal on made to order X5.
    one thing where the dealer took me is sec deposit. he told me i have to pay that irrespective- i pay it down or rol it in my payments(MF 0.00195). In the latter case, i will not get it back- is that true??
    if i pay it upfront to cut my MF to 0.00180 i will get it back, but if i roll it into the lease, then it wont be refunded plus the MF is 0.00195
  • kyfdxkyfdx Posts: 64,720
    When you don't make the security deposit upfront, it isn't really being "rolled into the lease". In that case, the security deposit is waived, and the money factor is adjusted upward to account for no deposit.

    So, in effect, the dealer is correct.. If you don't make the deposit upfront, there is no deposit to be refunded, and you have to pay the higher money factor.

    If you do the math, you'll find it is a much better deal to make the deposit and get the lower money factor.

    Returning BMWFS customers have their deposits waived, with no additions to the money factor.



    Prices Paid, Lease Questions, SUVs

  • dpeck1dpeck1 Posts: 51
    I heard that BMW has just announced a $4,500 rebate on any 2009 X5 diesel. Carman, is that in addition to the $1750 lease incentive? Please advise. Thanks.
  • danf1222danf1222 Posts: 11

    A few questions, thanks.

    Can you give a ballpark figure of what the spread between dealer invoice and a base BMW x5 3.0 (MSRP 47,500) is (I'm not sure what options we are interested in yet, but a good start would be just to know how much to negotiate off the base model).

    We have some time and dont need to get into a new car until November. Any idea as far as when the best time of year to lease this truck is? I guess along these lines would also be how long the $1750 conquest cash will be offered?

    Do you have the July figures for MF and Residual on a 36 month 12K lease.

    Thank you.
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi dpeck1. I hadn't heard that BMW introduced such a large cash incentive on the X5 diesel. I do know that it has $1,750 on non-diesel models in July. I'll have to make some calls and see what I can find out about the 35d.

    Prices Paid: Buying & Leasing Experiences Forum
  • CarMan@EdmundsCarMan@Edmunds Posts: 38,515
    Hi danf1222. You can look up the exact dealer invoice for the X5 that you are interested in, as you want it by looking up this truck in the New Vehicle Pricing section of

    It is difficult to say how long BMW will continue to offer the $1,750 lease cash on the '09 X5. This cash has already been around for several months, so it would surprise me if it disappeared after its current scheduled expiration date of August 31st, but it is difficult to say what manufacturers will do with their future incentives.

    BMW Financial Services' current buy rate lease money factor and residual value for a 36 month lease of a 2009 BMW X5 3.0 with 12,000 miles per year are .00180 and 57%, respectively.

    Prices Paid: Buying & Leasing Experiences Forum
  • mangoolermangooler Posts: 3
    I want to lease a new X5
This discussion has been closed.