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Comments
2. 8% is a pretty strong discount for a new 2019, but there is nothing to lose in asking for more
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MODERATOR
2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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Edmunds Moderator
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!
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
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Edmunds Moderator
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
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MODERATOR
2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Is there a difference between the 2018 or the 2019?
No incentives
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Edmunds Moderator
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
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
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
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
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.
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Edmunds Moderator
Yes, what my co-host said is correct.
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MODERATOR
2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
.00182 MF and 58% residual
No lease incentives
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Edmunds Moderator
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.
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MODERATOR
2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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
No lease incentives, either location.
What is the MSRP?
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Edmunds Moderator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
Did you get a good deal? Be sure to come back and share!
Edmunds Moderator
Is this correct/common practice? Can I offer to pay acquisition cost upfront or arrangement other options to exclude $925 from the calculations?
You listed it in your original post.
Yes, you can pay it upfront, if you don't want it in your lease payment.
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Edmunds Moderator
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
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
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Edmunds Moderator
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?
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Edmunds Moderator
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.
1st payment and DMV fees due at signing
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Edmunds Moderator
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.
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?
Thank you so much for your awesome tip! I am definitely challenging my sales here.