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2019 BMW 5-Series Lease Deals and Prices

1246739

Comments

  • MichaellMichaell ColoradoPosts: 171,670
    MaryBob said:

    kyfdx said:

    MaryBob said:

    Hi there! This is my first time trying to lease a hybrid vehicle, BMW 530e. The deal I got from my local dealership is awful but I do not know the right approach to negotiate. I also don't know if I should call a bunch of dealerships further away?

    Please provide any suggestion or advice. Thank you very much.

    2019 BMW 530e (Zip: 94539, CA)

    Lease term: 36 months with 10k/yr

    MSRP: $57,795
    Discount: ($4,797)

    Residual Value $35,254
    MF: 0.00222

    Sign-in with $0 money down: $1,584
    Monthly Payment $773 (tax included)

    I understand many factors go into getting the final number calculated. From this point on, should I even bother keeping conversation going with the dealership?

    Thank you!

    They "hybrid" part has nothing to do with your deal. The programs for the hybrid and gas models are the same.
    (other than you may get a rebate from CA on the hybrid).

    .00182 MF and 61% residual
    The money factor is marked up the maximum.
    That adds $36/mo.+tax to your deal.

    Otherwise, it's not a bad deal, given the lease program.

    Thank you very much. So it sounds like I could 1) ask them to lower MF to 0.00182 then that will drop my payment by $36, and 2) ask for more dealer discount? Currently it's around 8%.

    Is there anything else I can try to do for this to be a good deal?
    1. Tell them you wan the base rate or you'll work with another dealer
    2. 8% is a pretty strong discount for a new 2019, but there is nothing to lose in asking for more

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • u26055u26055 Pheonix, AZPosts: 2
    Hi, I'm 85383 (Phoenix) and looking for MF and RV on a 530e. 36/15. Thanks
  • kyfdxkyfdx Posts: 177,170
    u26055 said:

    Hi, I'm 85383 (Phoenix) and looking for MF and RV on a 530e. 36/15. Thanks

    .00182 MF and 58% residual

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • MaryBobMaryBob CAPosts: 25
    sparksfly said:

    MaryBob said:

    kyfdx said:

    MaryBob said:

    Hi there! This is my first time trying to lease a hybrid vehicle, BMW 530e. The deal I got from my local dealership is awful but I do not know the right approach to negotiate. I also don't know if I should call a bunch of dealerships further away?

    Please provide any suggestion or advice. Thank you very much.

    2019 BMW 530e (Zip: 94539, CA)

    Lease term: 36 months with 10k/yr

    MSRP: $57,795
    Discount: ($4,797)

    Residual Value $35,254
    MF: 0.00222

    Sign-in with $0 money down: $1,584
    Monthly Payment $773 (tax included)

    I understand many factors go into getting the final number calculated. From this point on, should I even bother keeping conversation going with the dealership?

    Thank you!

    They "hybrid" part has nothing to do with your deal. The programs for the hybrid and gas models are the same.
    (other than you may get a rebate from CA on the hybrid).

    .00182 MF and 61% residual
    The money factor is marked up the maximum.
    That adds $36/mo.+tax to your deal.

    Otherwise, it's not a bad deal, given the lease program.

    Thank you very much. So it sounds like I could 1) ask them to lower MF to 0.00182 then that will drop my payment by $36, and 2) ask for more dealer discount? Currently it's around 8%.

    Is there anything else I can try to do for this to be a good deal?
    One other thing you can do (that I'm doing as well) - buy a 3 year membership to BMWCCA for $134. Once you lease the car, you can get a $1,000 rebate from them. This isn't related to your lease transaction with the dealer.
    That sounds wonderful! Thank you very much.
  • MaryBobMaryBob CAPosts: 25
    Michaell said:

    MaryBob said:

    kyfdx said:

    MaryBob said:

    Hi there! This is my first time trying to lease a hybrid vehicle, BMW 530e. The deal I got from my local dealership is awful but I do not know the right approach to negotiate. I also don't know if I should call a bunch of dealerships further away?

    Please provide any suggestion or advice. Thank you very much.

    2019 BMW 530e (Zip: 94539, CA)

    Lease term: 36 months with 10k/yr

    MSRP: $57,795
    Discount: ($4,797)

    Residual Value $35,254
    MF: 0.00222

    Sign-in with $0 money down: $1,584
    Monthly Payment $773 (tax included)

    I understand many factors go into getting the final number calculated. From this point on, should I even bother keeping conversation going with the dealership?

    Thank you!

    They "hybrid" part has nothing to do with your deal. The programs for the hybrid and gas models are the same.
    (other than you may get a rebate from CA on the hybrid).

    .00182 MF and 61% residual
    The money factor is marked up the maximum.
    That adds $36/mo.+tax to your deal.

    Otherwise, it's not a bad deal, given the lease program.

    Thank you very much. So it sounds like I could 1) ask them to lower MF to 0.00182 then that will drop my payment by $36, and 2) ask for more dealer discount? Currently it's around 8%.

    Is there anything else I can try to do for this to be a good deal?
    1. Tell them you wan the base rate or you'll work with another dealer
    2. 8% is a pretty strong discount for a new 2019, but there is nothing to lose in asking for more
    Just so I understand better...

    1. Base rate refers to MF of 0.00182, is that correct?
    2. Is there a calculator somewhere where I can input the MSRP, dealership discount, MF, down payment, zipcode, residual value, etc to verify the monthly payment of $773? I'd like to make sure they don't adjust other hidden knobs while only showing me good discounts to derive at $773 monthly.

    All these wonderful tips are helping me feel more confident about arranging for the right lease (3-years is a long time). Thank you!
  • kyfdxkyfdx Posts: 177,170
    MaryBob said:

    Michaell said:

    MaryBob said:

    kyfdx said:

    MaryBob said:

    Hi there! This is my first time trying to lease a hybrid vehicle, BMW 530e. The deal I got from my local dealership is awful but I do not know the right approach to negotiate. I also don't know if I should call a bunch of dealerships further away?

    Please provide any suggestion or advice. Thank you very much.

    2019 BMW 530e (Zip: 94539, CA)

    Lease term: 36 months with 10k/yr

    MSRP: $57,795
    Discount: ($4,797)

    Residual Value $35,254
    MF: 0.00222

    Sign-in with $0 money down: $1,584
    Monthly Payment $773 (tax included)

    I understand many factors go into getting the final number calculated. From this point on, should I even bother keeping conversation going with the dealership?

    Thank you!

    They "hybrid" part has nothing to do with your deal. The programs for the hybrid and gas models are the same.
    (other than you may get a rebate from CA on the hybrid).

    .00182 MF and 61% residual
    The money factor is marked up the maximum.
    That adds $36/mo.+tax to your deal.

    Otherwise, it's not a bad deal, given the lease program.

    Thank you very much. So it sounds like I could 1) ask them to lower MF to 0.00182 then that will drop my payment by $36, and 2) ask for more dealer discount? Currently it's around 8%.

    Is there anything else I can try to do for this to be a good deal?
    1. Tell them you wan the base rate or you'll work with another dealer
    2. 8% is a pretty strong discount for a new 2019, but there is nothing to lose in asking for more
    Just so I understand better...

    1. Base rate refers to MF of 0.00182, is that correct?
    2. Is there a calculator somewhere where I can input the MSRP, dealership discount, MF, down payment, zipcode, residual value, etc to verify the monthly payment of $773? I'd like to make sure they don't adjust other hidden knobs while only showing me good discounts to derive at $773 monthly.

    All these wonderful tips are helping me feel more confident about arranging for the right lease (3-years is a long time). Thank you!
    1) Yes
    2) There is a lease calculator here on Edmunds.com. Plus, about a dozen others on the web.

    Calculating a lease is pretty simple. All you need is a calculator (or pencil/paper)
    https://forums.edmunds.com/discussion/12602/general/x/how-to-calculate-monthly-lease-payments

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • jooni76jooni76 new yorkPosts: 12
    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign
  • MichaellMichaell ColoradoPosts: 171,670
    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    The feedback we gave you on the 2018 thread still applies here … looks like a solid deal.

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • nlclhc1nlclhc1 Posts: 65
    Could you provide me with the MF and RV for a 530xi in Indiana for 36/10? Any incentives?

    Is there a difference between the 2018 or the 2019?
  • kyfdxkyfdx Posts: 177,170
    nlclhc1 said:

    Could you provide me with the MF and RV for a 530xi in Indiana for 36/10? Any incentives?

    Is there a difference between the 2018 or the 2019?

    .00182 MF and 61% residual
    No incentives

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • stephen1981stephen1981 TexasPosts: 1
    Can I get the MF and RV and any incentives for a 2018 540 and 2019 540 for a One-Pay Lease 36 months 10K miles in 75039 zip code (Texas)
  • MichaellMichaell ColoradoPosts: 171,670

    Can I get the MF and RV and any incentives for a 2018 540 and 2019 540 for a One-Pay Lease 36 months 10K miles in 75039 zip code (Texas)

    2019 - .00182 and 61%; no lease incentives

    Subtract .00030 for one-pay

    Please post your 2018 5-series lease questions here:

    https://forums.edmunds.com/discussion/44735/bmw/5-series/2018-bmw-5-series-lease-deals-and-prices#latest

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • MaryBobMaryBob CAPosts: 25
    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
  • MichaellMichaell ColoradoPosts: 171,670
    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • kyfdxkyfdx Posts: 177,170
    edited October 2018
    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Depreciation is the difference between the adjusted CAP cost and the residual.

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • MaryBobMaryBob CAPosts: 25
    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
  • MichaellMichaell ColoradoPosts: 171,670
    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • kyfdxkyfdx Posts: 177,170
    Michaell said:

    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.
    No, that’s wrong.

    Actual depreciation is the difference between the adjusted CAP cost and the residual amount.

    You use the MSRP to calculate the residual amount, but you don’t use the MSRP to calculate depreciation.

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • MichaellMichaell ColoradoPosts: 171,670
    kyfdx said:

    Michaell said:

    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.
    No, that’s wrong.

    Actual depreciation is the difference between the adjusted CAP cost and the residual amount.

    You use the MSRP to calculate the residual amount, but you don’t use the MSRP to calculate depreciation.
    Oh, duh.

    Yes, what my co-host said is correct.

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • LuisLuis Pembroke Pines, FLPosts: 4
    Can I have the information about Money Factor, Residual Value and any Incentives running this month, October, for BMW 530i, zip code 33028?
  • kyfdxkyfdx Posts: 177,170
    Luis said:

    Can I have the information about Money Factor, Residual Value and any Incentives running this month, October, for BMW 530i, zip code 33028?

    36/15
    .00182 MF and 58% residual
    No lease incentives

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • TR561TR561 Posts: 10
    edited October 2018
    Hi There, looking to lease, 36/mo/10K. MSRP of $57,680 plus $500 USAA certificate and i'm in Boca Raton, FL (33433). From previous posts it appears numbers are .00182 & 58%. Is 9% off MSRP doable? With those numbers, selling price would be $51,989. What range should i be in regarding monthly payment with little to no money down if that was selling price ? Anything else that may help me I would greatly appreciate it. Love the information provided in here!!
  • MichaellMichaell ColoradoPosts: 171,670
    TR561 said:

    Hi There, looking to lease, 36/mo/10K. MSRP of $57,680 plus $500 USAA certificate and i'm in Boca Raton, FL (33433). From previous posts it appears numbers are .00182 & 58%. Is 9% off MSRP doable? With those numbers, selling price would be $51,989. What range should i be in regarding monthly payment with little to no money down if that was selling price ? Anything else that may help me I would greatly appreciate it. Love the information provided in here!!

    .00182 and 61% for 36/10

    With those prices, $590/mo plus tax.

    But, you'd pay all fees up front (acquisition fee, dealer fee, registration fee). Add roughly $30/mo for every $1000 of fees you add to the selling price.

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • TR561TR561 Posts: 10
    Perfect, thanks so much!
  • TR561TR561 Posts: 10
    edited October 2018
    Michaell said:

    TR561 said:

    Hi There, looking to lease, 36/mo/10K. MSRP of $57,680 plus $500 USAA certificate and i'm in Boca Raton, FL (33433). From previous posts it appears numbers are .00182 & 58%. Is 9% off MSRP doable? With those numbers, selling price would be $51,989. What range should i be in regarding monthly payment with little to no money down if that was selling price ? Anything else that may help me I would greatly appreciate it. Love the information provided in here!!

    .00182 and 61% for 36/10

    With those prices, $590/mo plus tax.

    But, you'd pay all fees up front (acquisition fee, dealer fee, registration fee). Add roughly $30/mo for every $1000 of fees you add to the selling price.
    Trying to figure out how i just negotiated 8.5% off MSRP plus an additional $2500 in rebates, for a total of $49,000 plus tax, tag and fees and they told me those numbers came to either $1999 cash due and $754 a month or $3,000 cash due and $722 a month. All on a $49,000 2019 530i.... Shouldn't this be like $595 a month including tax, and like $1900 drive off? What am i missing?!
  • MichaellMichaell ColoradoPosts: 171,670
    TR561 said:

    Michaell said:

    TR561 said:

    Hi There, looking to lease, 36/mo/10K. MSRP of $57,680 plus $500 USAA certificate and i'm in Boca Raton, FL (33433). From previous posts it appears numbers are .00182 & 58%. Is 9% off MSRP doable? With those numbers, selling price would be $51,989. What range should i be in regarding monthly payment with little to no money down if that was selling price ? Anything else that may help me I would greatly appreciate it. Love the information provided in here!!

    .00182 and 61% for 36/10

    With those prices, $590/mo plus tax.

    But, you'd pay all fees up front (acquisition fee, dealer fee, registration fee). Add roughly $30/mo for every $1000 of fees you add to the selling price.
    Trying to figure out how i just negotiated 8.5% off MSRP plus an additional $2500 in rebates, for a total of $49,000 plus tax, tag and fees and they told me those numbers came to either $1999 cash due and $754 a month or $3,000 cash due and $722 a month. All on a $49,000 2019 530i.... Shouldn't this be like $595 a month including tax, and like $1900 drive off? What am i missing?!
    Ask them for the CAP cost used for their payment quote. That's likely the difference.

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • owenjay74owenjay74 MOPosts: 9
    New here, I am looking to lease a 2019 BMW 540i xDrive, 36/mo/10K. What are the MF & RV, and are there any incentives for the 65807 area. Also please check on zip code 72712 (that's in Arkansas, I might have to get it from there if the deal is significantly better). With a tentative quote of $64,545 (before taxes), what range should I be in regarding monthly payment with little to no money down? Thanks in advance.
  • DaveM87DaveM87 Posts: 118
    Mf/residual for 2019 530i and xi 36/10 zip code 10463. Thanks
  • kyfdxkyfdx Posts: 177,170
    owenjay74 said:

    New here, I am looking to lease a 2019 BMW 540i xDrive, 36/mo/10K. What are the MF & RV, and are there any incentives for the 65807 area. Also please check on zip code 72712 (that's in Arkansas, I might have to get it from there if the deal is significantly better). With a tentative quote of $64,545 (before taxes), what range should I be in regarding monthly payment with little to no money down? Thanks in advance.

    .00182 MF and 61% residual
    No lease incentives, either location.

    What is the MSRP?

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • kyfdxkyfdx Posts: 177,170

    Mf/residual for 2019 530i and xi 36/10 zip code 10463. Thanks

    .00182 MF and 61% residual

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • TR561TR561 Posts: 10
    edited October 2018
    Went to another dealer and improved from $754 and 3K out of pocket to $597 and 1100 out of pocket (first and tag). I think this is a decent deal but i'll spend another night researching. That's for the great resource provided...
  • kyfdxkyfdx Posts: 177,170
    TR561 said:

    Went to another dealer and improved from $754 and 3K out of pocket to $597 and 1100 out of pocket (first and tag). I think this is a decent deal but i'll spend another night researching. That's for the great resource provided...

    Shopping helps!! Let us know how it goes.

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • MaryBobMaryBob CAPosts: 25
    Michaell said:

    kyfdx said:

    Michaell said:

    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.
    No, that’s wrong.

    Actual depreciation is the difference between the adjusted CAP cost and the residual amount.

    You use the MSRP to calculate the residual amount, but you don’t use the MSRP to calculate depreciation.
    Oh, duh.

    Yes, what my co-host said is correct.
    I found mismatch between my calculation and my dealer's. After reviewing numbers line by line with them I learned that they added $925 Acquisition Cost to the Cap Cost which significantly increased my monthly payment.

    Is this correct/common practice? Can I offer to pay acquisition cost upfront or arrangement other options to exclude $925 from the calculations?
  • kyfdxkyfdx Posts: 177,170
    edited October 2018
    MaryBob said:

    Michaell said:

    kyfdx said:

    Michaell said:

    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.
    No, that’s wrong.

    Actual depreciation is the difference between the adjusted CAP cost and the residual amount.

    You use the MSRP to calculate the residual amount, but you don’t use the MSRP to calculate depreciation.
    Oh, duh.

    Yes, what my co-host said is correct.
    I found mismatch between my calculation and my dealer's. After reviewing numbers line by line with them I learned that they added $925 Acquisition Cost to the Cap Cost which significantly increased my monthly payment.

    Is this correct/common practice? Can I offer to pay acquisition cost upfront or arrangement other options to exclude $925 from the calculations?
    Every lease has an acquisition fee. BMWFS fee is indeed $925.
    You listed it in your original post.

    Yes, you can pay it upfront, if you don't want it in your lease payment.

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • MaryBobMaryBob CAPosts: 25
    kyfdx said:

    MaryBob said:

    Michaell said:

    kyfdx said:

    Michaell said:

    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.
    No, that’s wrong.

    Actual depreciation is the difference between the adjusted CAP cost and the residual amount.

    You use the MSRP to calculate the residual amount, but you don’t use the MSRP to calculate depreciation.
    Oh, duh.

    Yes, what my co-host said is correct.
    I found mismatch between my calculation and my dealer's. After reviewing numbers line by line with them I learned that they added $925 Acquisition Cost to the Cap Cost which significantly increased my monthly payment.

    Is this correct/common practice? Can I offer to pay acquisition cost upfront or arrangement other options to exclude $925 from the calculations?
    Every lease has an acquisition fee. BMWFS fee is indeed $925.
    You listed it in your original post.

    Yes, you can pay it upfront, if you don't want it in your lease payment.
    The dealer said the $925 Acquisition Fee *has to be* in the Cap Cost. Could you please tell me if it's true?
  • MichaellMichaell ColoradoPosts: 171,670
    MaryBob said:

    kyfdx said:

    MaryBob said:

    Michaell said:

    kyfdx said:

    Michaell said:

    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.
    No, that’s wrong.

    Actual depreciation is the difference between the adjusted CAP cost and the residual amount.

    You use the MSRP to calculate the residual amount, but you don’t use the MSRP to calculate depreciation.
    Oh, duh.

    Yes, what my co-host said is correct.
    I found mismatch between my calculation and my dealer's. After reviewing numbers line by line with them I learned that they added $925 Acquisition Cost to the Cap Cost which significantly increased my monthly payment.

    Is this correct/common practice? Can I offer to pay acquisition cost upfront or arrangement other options to exclude $925 from the calculations?
    Every lease has an acquisition fee. BMWFS fee is indeed $925.
    You listed it in your original post.

    Yes, you can pay it upfront, if you don't want it in your lease payment.
    The dealer said the $925 Acquisition Fee *has to be* in the Cap Cost. Could you please tell me if it's true?
    Not true - you can choose to pay it up front.

    Did you get a good deal? Be sure to come back and let us know! Post a pic of your new purchase or lease!


    MODERATOR

    2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4

  • owenjay74owenjay74 MOPosts: 9
    .00182 MF and 61% residual
    No lease incentives, either location.

    What is the MSRP?

    Thanks.
    MRSP (with factory-installed options and freight delivery fee)-$69510
    Dealer discount and additional savings- $7085
    Dealer service/handling fees- $129
    Total before tax- $62554.

    Like I said, I have no desire to put anything as a down payment. What should I expect to pay monthly (my FICO score is over 750). TIA

  • kyfdxkyfdx Posts: 177,170
    MaryBob said:

    kyfdx said:

    MaryBob said:

    Michaell said:

    kyfdx said:

    Michaell said:

    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.
    No, that’s wrong.

    Actual depreciation is the difference between the adjusted CAP cost and the residual amount.

    You use the MSRP to calculate the residual amount, but you don’t use the MSRP to calculate depreciation.
    Oh, duh.

    Yes, what my co-host said is correct.
    I found mismatch between my calculation and my dealer's. After reviewing numbers line by line with them I learned that they added $925 Acquisition Cost to the Cap Cost which significantly increased my monthly payment.

    Is this correct/common practice? Can I offer to pay acquisition cost upfront or arrangement other options to exclude $925 from the calculations?
    Every lease has an acquisition fee. BMWFS fee is indeed $925.
    You listed it in your original post.

    Yes, you can pay it upfront, if you don't want it in your lease payment.
    The dealer said the $925 Acquisition Fee *has to be* in the Cap Cost. Could you please tell me if it's true?
    The dealer might put it in the CAP cost, to make sure the tax is collected properly. But, you can always add that amount as a CAP cost reduction, and achieve the same purpose.

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • kyfdxkyfdx Posts: 177,170
    owenjay74 said:

    .00182 MF and 61% residual
    No lease incentives, either location.

    What is the MSRP?

    Thanks.
    MRSP (with factory-installed options and freight delivery fee)-$69510
    Dealer discount and additional savings- $7085
    Dealer service/handling fees- $129
    Total before tax- $62554.

    Like I said, I have no desire to put anything as a down payment. What should I expect to pay monthly (my FICO score is over 750). TIA



    In the earlier post, you said sale price was $64,545.
    Now, $69510 MSRP with $7085 dealer discount.

    Which is it?

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • owenjay74owenjay74 MOPosts: 9
    Sorry about the confusion. This is the accurate and most recent quote;
    MRSP (with factory-installed options and freight delivery fee)-$69510
    Dealer discount and additional savings- $7085
    Dealer service/handling fees- $129
    Total before tax- $62554.
  • kyfdxkyfdx Posts: 177,170
    owenjay74 said:

    Sorry about the confusion. This is the accurate and most recent quote;
    MRSP (with factory-installed options and freight delivery fee)-$69510
    Dealer discount and additional savings- $7085
    Dealer service/handling fees- $129
    Total before tax- $62554.

    Adding the $925 acquisition fee, I get a payment of $778/mo.+tax
    1st payment and DMV fees due at signing

    Did you get a good deal? Be sure to come back and share!

    Edmunds Moderator

  • owenjay74owenjay74 MOPosts: 9
    Thanks for your help.
  • MaryBobMaryBob CAPosts: 25
    kyfdx said:

    MaryBob said:

    kyfdx said:

    MaryBob said:

    Michaell said:

    kyfdx said:

    Michaell said:

    MaryBob said:

    Michaell said:

    MaryBob said:

    jooni76 said:

    i meant to post this on this forum but put it up on the 2018 by mistake...

    2019 530xi executive pkg

    $65,345 MSRP
    $59,995 Sales price prior to rebates
    $2,000 Loyalty rebate
    $57,995 After rebate
    $39,860 Residual at 10,000 miles per year
    $18,135 Depreciation
    $504 payment prior to lease charge
    $175 Monthly lease charge after applying money factor of 0.00182

    $679 X 36 @ 10,000 miles per year.

    Due at sign:
    $2,124 NJ Sales tax
    $925 Lease acquisition fee
    $699 Dealer Doc fee
    $310 NJ registration
    $679 1st payment

    $4,737 total due at sign

    Question: Should depreciation $18,135 be calculated from MSRP or (MSSP - all incentives)?
    Residual value is calculated against the MSRP - bottom line number of the factory window sticker.
    Then in this case, the depreciation value should be $25,485 (MSRP $65,345 - Residual $39,860) and not $18,135 as quoted by the dealership right?
    That is correct.
    No, that’s wrong.

    Actual depreciation is the difference between the adjusted CAP cost and the residual amount.

    You use the MSRP to calculate the residual amount, but you don’t use the MSRP to calculate depreciation.
    Oh, duh.

    Yes, what my co-host said is correct.
    I found mismatch between my calculation and my dealer's. After reviewing numbers line by line with them I learned that they added $925 Acquisition Cost to the Cap Cost which significantly increased my monthly payment.

    Is this correct/common practice? Can I offer to pay acquisition cost upfront or arrangement other options to exclude $925 from the calculations?
    Every lease has an acquisition fee. BMWFS fee is indeed $925.
    You listed it in your original post.

    Yes, you can pay it upfront, if you don't want it in your lease payment.
    The dealer said the $925 Acquisition Fee *has to be* in the Cap Cost. Could you please tell me if it's true?
    The dealer might put it in the CAP cost, to make sure the tax is collected properly. But, you can always add that amount as a CAP cost reduction, and achieve the same purpose.
    To conclude this thread, I countered with:

    BMW 2019 530e Dark Graphite with Black Dakota Leather and Convenience Package

    MSRP: $57,795
    Dealer Discount: -$5,779.50 @ 10%
    CAP: $52,015.50

    Residual: $35,254 (MSRP * 61%)

    Depreciation: CAP $52,015.50 - Residual $35,254 = $16,761.50
    Monthly: $16,761.50 / 36 months = $465.60

    Interest: (CAP $52,015.50 + Residual $35,254) * MF 0.00182 = $158.83
    Tax: ($465.60 + $158.83) * 7.75% = $48.39

    Monthly including tax/interest = $465.60 + $158.83 + $48.39 = $672.82

    Down: $0
    At Sign-In: ~$2500

    Could you please help me double check my numbers and calculations? Does it seem like a reasonable offer? Thank you so much.

  • TR561TR561 Posts: 10
    My MSRP is $55,455 and i'm at $597 with about $1100 drive off. If that helps.. We could both probably chop another 15-25 off if wanted...
  • MaryBobMaryBob CAPosts: 25
    TR561 said:

    My MSRP is $55,455 and i'm at $597 with about $1100 drive off. If that helps.. We could both probably chop another 15-25 off if wanted...

    Thank you TR561! What I am afraid of is incorrect calculation from my end. I derived my final monthly based on two things: 1) MF of 0.00182 and 2) Discount of 10% of $5,779.50.

    Again, assuming that my math is correct then the only thing I could ask is higher dealership discount > 10% because my dealership said 0.00182 is the lowest MF they can do.

    Any other route I can do to get another 15-25 off?
  • TR561TR561 Posts: 10
    Have you put down max multiple security deposits ? You should be at 12-13% off total. 8-10% at least in purchase price and then rebates incentives totaling 12-13%...
  • MaryBobMaryBob CAPosts: 25
    TR561 said:

    Have you put down max multiple security deposits ? You should be at 12-13% off total. 8-10% at least in purchase price and then rebates incentives totaling 12-13%...

    I didn't put down any security deposits since he said MF of 0.00182 is his "cost". Did you get MF lower than that I can reference to? There is no incentive or rebate that I am aware of. Could you please share? Thank you...
  • TR561TR561 Posts: 10
    edited October 2018
    Completely different things. Tell them you want max msd's and your payment will go down. You'll get the money back when your lease is up
  • MaryBobMaryBob CAPosts: 25
    TR561 said:

    Completely different things. Tell them you want max msd's and your payment will go down. You'll get the money back when your lease is up

    I just spoke with the sales and he said that "BMW multiple security deposits can only be transferred from current BMW leases to new BMW leases. BMW recently changed their MSD rules". Hence, no luck for me in this department as I do not currently lease a BMW model.

    Thank you so much for your awesome tip! I am definitely challenging my sales here.
  • TR561TR561 Posts: 10
    edited October 2018
    I haven't had a bmw in 5 years and they gave me the option to do it.  
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