2019 X5 Lease - zip 75251

CFS100CFS100 Member Posts: 13
edited January 2019 in BMW
X5 MSRP 71,995
Discount 2,500
purchase price 69,295
Rebate 1,500
Doc fee, Acq Fee and license 1,200
Capitalized Taxes 4,360
Gross Cap Cost 70,239
3/yr 30K
money factor .00228
payment 1,135

Any comments? Thank you.
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  • MichaellMichaell Moderator Posts: 250,447
    CFS100 said:

    X5 MSRP 71,995
    Discount 2,500
    purchase price 69,295
    Rebate 1,500
    Doc fee, Acq Fee and license 1,200
    Capitalized Taxes 4,360
    Gross Cap Cost 70,239
    3/yr 30K
    money factor .00228
    payment 1,135

    Any comments? Thank you.

    1. MF is marked up the max
    2. Not a big enough discount from sticker - use this link to help: https://www.edmunds.com/tmv.html
    3. What ZIP code?

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  • CFS100CFS100 Member Posts: 13
    Zip 75251
    What should the MF be for excellent credit?
    TMV shows $68,100; is that what I should be able to get before the rebate?
  • CFS100CFS100 Member Posts: 13
    And thank you for the help, Michaell!
  • MichaellMichaell Moderator Posts: 250,447
    CFS100 said:

    Zip 75251
    What should the MF be for excellent credit?
    TMV shows $68,100; is that what I should be able to get before the rebate?

    .00188 base MF

    If the TMV figure excludes any purchase incentives, then yes.

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  • CFS100CFS100 Member Posts: 13
    Thanks again. Can you please explain what "base" MF means? Do they sometimes go down as well as up, and if so how would I accomplish that and to what level might they go?
  • CFS100CFS100 Member Posts: 13
    What is residual for 36/12 please?
  • kyfdxkyfdx Moderator Posts: 251,206
    CFS100 said:

    What is residual for 36/12 please?

    58%

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  • MichaellMichaell Moderator Posts: 250,447
    CFS100 said:

    Thanks again. Can you please explain what "base" MF means? Do they sometimes go down as well as up, and if so how would I accomplish that and to what level might they go?

    It is the best MF for top tier credit. Won't get any lower than that.

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  • CFS100CFS100 Member Posts: 13
    Dealer is using 58% for 36/10 - is it the same for 36/10 and 36/12 or should they be using higher for 36/10?
  • MichaellMichaell Moderator Posts: 250,447
    CFS100 said:

    Dealer is using 58% for 36/10 - is it the same for 36/10 and 36/12 or should they be using higher for 36/10?

    Should be 59% for 36/10

    Dealer cannot alter the residual; it is set by the bank.

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  • kyfdxkyfdx Moderator Posts: 251,206
    CFS100 said:

    Dealer is using 58% for 36/10 - is it the same for 36/10 and 36/12 or should they be using higher for 36/10?

    No, the dealer is wrong.
    59% is correct for 36/10
    The dealer is not free to alter the residual

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