Hi secretmode. You never mentioned the selling price or MSRP of the car that you are interested in leasing. These are important numbers for you as a consumer to know for two reasons. First, the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. Without knowing this car's selling price in relation to its MSRP you don't know how much of a discount you are getting on it. The second reason is that one needs the selling price and MSRP, including the destination charge, of a vehicle to calculate its lease payment. I would be more than happy to give you my opinion of this deal if you let me know what these numbers are.
This is my first time posting in here and since I'm 23 years old also my first time buying a car! I'm trying to lease a 2007 328i Coupe. MSRP of $41,400 options are leather navigation automatic and heated seats.
I've been quoted 36 Months $2500 down 12,000 miles for $455 a month + tax. He also said that 1st payment, dmv and bank fees are due at the time of the signing. Also, the monthly payment is taxed (if you live in LA it's 8.25%).
I've only been dealing with the internet department. I havent tried negotiating the MSRP at all and havent met with them in person. As is is this a good deal? Thank you to anyone who can help out!
Here you go, ct1211. BMW Financial Services' June buy rate lease money factor and residual value for a 36 month lease of a 2007 328i Sedan with 10,000 miles per year are .00140 and 64%, respectively. the numbers for an otherwise identical lease of a 2007 335i Coupe (I hope that you're the one that gets this car ) are .00185 and 61%.
Thanks for the additional information, eduser. OK, so you're interested in a 2007 BMW 328i that has an MSRP of $40,900 and a selling price of $38,100. This car has a spread of around $3,200 between its full MSRP and its dealer invoice price. That puts the selling price that you are being given at around $400 over invoice, which is an excellent deal. Just make sure that the dealer you are working with uses BMW Financial Services' buy rate lease money factor of .00140 (.00015 higher with a waived security deposit) to calculate your monthly payment and you're in business.
Hi atreya. BMW Financial Services' June buy rate lease money factor and residual value for a 36 month lease of a 2007 328i Coupe with 15,000 miles per year are .00140 and 58%, respectively. This money factor assumes that you are paying one security deposit at lease signing. BMW FS will waive its security deposit requirement in exchange for an increase of .00015 in your vehicle's month factor and it will reduce this factor by .00007 for every additional deposit that you make after the first.
Welcome nabat. Since you have never leased before, you definitely should check out the following informative articles that are available here at Edmunds.com prior to visiting any dealers: 10 Steps to Leasing a New Car and Calculate Your Own Lease Payment.
It would be much easier to tell how good a deal this is if you were able to provide me with this car's selling price. This is a very important number for you to know anyhow. The selling prices of leased vehicles are negotiable, just as if you were financing or leasing. Negotiate as low a selling price as you can on the car that you want. You are fortunate to be in an area that has so many dealers. You can comparison shop if you have to. Once you have a price that you are comfortable with, have the dealer calculate your monthly payment using BMW Financial Services' buy rate lease money factor, which is currently .00140 for this model.
So I closed the deal. After reading all of the great info on this thread I negotiated the following: 335i sedan titan met with black. prem, sport, cold, paddle, step, CA, SAT MSRP $47700. Invoice $44065. Cap cost $45565. $625 aqu. $650 sec deposit. zero cap reduction. MF .00175 Resid 74% 24mo and 10K mi a year. pmt $605/mo
I am a happy driver now. Hope this deal is decent.
hey carman....i live in southern california(near Burbank,Hollywood)and i am trying to lease a 328i coupe with sport package and mettalic paint.I got a quote from a dealer saying that if i pay 4200$ drive off(lease special), my payemnt would be around 470 and if i pay 1800$ drive off,it'd be 548$.I don't get what's special about that lease offer since i am paying 2400 more and dividing that by 35 months is almost same deal as 1800 drive off.i was given 1.6 moneyfactor and 61% residual.are these reasonable?what the current lowest deal i can get?how should i proceed?thanks
I've found a lot of helpful advice on this board, and wanted to ask a couple questions before I lease a 328i sedan this Saturday (so help is very much appreciated).
My first question is in regards to invoice vs MSRP prices: I'm looking at a base model 328i with an invoice cost of $30,585 and an MSRP of $33,175. What is the closest I can hope to get to the invoice price, living in California, and working with a dealer who claims to have too many cars in stock?
Second, assuming no cap reduction, what are the legitimate out the door items I should be paying, and how much should I be paying for them (how much should the license and registration be? the security deposit? etc.)
I apologize if these questions have been asked repeatedly, but there's a lot of messages to sift through here! If anyone can help before Saturday it would be HUGE.
Plupiter, I just leased a 328i in March. In California virtually all BMW dealers have a $380 MACO (marketing fee) and $180 training fee which are charged by BMW and which are added to the invoice. Therefore the invoice the dealer has should reflect $31,145 instead of the Edmunds $30,585 number. A good deal is considered $500 over this amount for a 328i sedan (I got mine $400 over).
Other fees will include $625 lease acq fee (which dealer will likey try to charge $825), approx $300 Dmv fees, and $45 doc fee. Security deposit is your monthly payment rounded up to the next $50 ($460 payment = $500 sec dep).
Don't forget the lease rate this month is .00140 and the dealer will likely try to mark it up. This can significantly affect your monthly payment.
Thanks sjl2--that's extremely helpful. A few further questions if you don't mind:
Did you find that if you call the dealer on raising the lease rate that they will lower it back to the monthly rate (.00140 for June), or did you have to jump through hoops?
Did they try the same thing on the residual percentage?
Based on the fees you outlined it looks like I should be paying approximately $1,630 out the door, however, this is not included in the purchase price, thus it doesn't affect the monthly payments, correct?
EDIT: Just thought of another question--is the acquisition fee you referenced the same as the destination charge?
Car man thanks for all your help! I am in metro Detroit and the two dealers here are brothers hence they are not too competitive on things like acuasition fees (they claim it is 825.00 not the 625.00 you mentioned) Plus another $185.00 for something else (1005.00 total add on to the sale) With that said I am trying to negotiate a 328i at $500.00 over invoice plus the 1005.00 BS charge - then the .00140 at 64% for 10K miles - is this reasonable? also is it 2 points I take off the residual for 12K miles?? Thanks! Craig :confuse: :shades:
Hi folks. Does anyone know if the money factor on a 328i has changed from May to June??? Also, where could i find this kind of info in order to bring it to a dealer?
I was in BMW dealer yesterday for 328i coupe and based on what i had seen in this forum , i asked for 0.0014 MF but the internet guy showed me a paper that had 0.0014 on it and he said this only applies to loyal customer,itmeans the ones that had leased or bought bmw before and are returning customers,so since i was new customer, i was getting 0.00165 MF and to bring it down to 0.00144, i needed to put down 3 security deposit(=1780$)which eventually returns back to me.every customer can put up to 7 security deposit and MF would be 0.00116 leaving almost 5000$ on table as security deposit.has anybody else has same experience?the bad thing is the do not lower that selling price under any condition cuz they only make 1500 over base price...
I have been to the dealer 3 times over a two month period and called another dealer trying to get a lease price but he never got back to me. I'm trying to lease a 2007 328xi coupe, space gray, black leather, premium package, auto trans, NAV (no other options). The NY dealer gave me:
List: 44,975 Net cap cost: 43,115 39 months 10,000 miles/year Due down: 3,664 Monthly pay: 550
He said 39 months was the way to go for lowest monthly payment, even though I wanted 24 months originally. I don't drive a lot and it seems going to 12 or even 15,000 miles a month does not make that much difference.
The dealer has said I will not find a better deal anywhere but I think the cost of the car is high, the down payment is high and the monthly payment is too high. I feel if I shop around i will get a better deal and if i say the right things to him I will get a better deal. But it seems from this forum that everyone's lease prices are different; why is that? Is it dealer manipulation, timing, or what? I wish there was only one lease price but it doesn't seem to be the case.
All of this is compounded by the fact that the dealer said BMW closes the plants for August and almost all of the 328xi coupes coming in are spoken for. The second dealer I talked to on the phone said flat out he couldn't get one and if I ordered in late June or July I would likely get a 2008, not a 2007. I feel uncomfortable ordering a car and then getting one no one has ever even seen a picture of, much less driven.
Is BMW always this difficult to buy from and get straight answers from, or is it just the NY dealers (hasn't the coupe been around for a while?). I mean, I have been going to this dealer for a couple of months and still have not been able to see or drive the car i want to buy (he never has one) even though he is a very big dealer and sells tons of cars. When I finally did test drive, it was a 328i sport package coupe with sport suspension - I want an 328xi with regular suspension. He of course said they were the same (except in snow) but even the most novice driver knows that's not true.
Anyway, lease price seems way off to me, does anyone have any insight on how to negotiate the lowest deal? Maybe the name of a dealer would help if you know one who has a good lease price and actually can get the car. Thanks in advance.
hebz-I just got my 328i with the .0014 money factor (as a first time customer), with one security deposit, so your salesperson is not being straightforward.
Here's the deal I got:
MSRP: $34,925 Purchase: $33,125 (with mats) Cap cost: $33,750 MF:.0014 Res: 64% Out the door costs: $1,191 ($450 sec, $430 first payment, $311 DMV)
Monthly payment pre tax: $396
After the MACO and training fees, I think I got this at about $300 over invoice, but it took work.
thx for the info plupiter...but did u get the coupe one?did u have any package on it?cuz the one i want is sport package w/ metallic paint, and autoamtic...
hebz--I got the sedan, but since the money factors are the same the only difference should be on the negotiated purchase price. It appears that salespeople are selectively enforcing a loyalty program (as in your case). The money factor is the money factor. If it was a 335 couple then the money factor would be different.
I am working deals with two dealers for a 328i & 335i sedan. 328i comes with sport package, premium package, xenon, comfort access, sun shade, heated seat & nav.. was offering $961 drive off, $580/month including tax. 335i comes with sport package & premium package only.. was offering $1036 drive off, $620/month including tax. They are both 36 month/10k miles term. Any suggestion?
They might have the prices in late July, but they can't quote the lease, because lease money factors and residuals only come out just before the lease program goes into effect. Maybe a couple days earlier on a new model.
winwin--sure it's the big dealership in Berkeley, CA. After some initial trouble with the salesman being distracted, I was very pleased with the service the managers provided. They've given me a couple follow-up calls already as well.
They tried to pad the number, but overall didn't seem like they wanted to screw me.
My lease is up soon, so I have been looking at many cars, I currently drive a 325ci but want something bigger.
I went to the local dealer (I usually lease from a dealer that is a bit out of the way and in a "bad" nieghborhood - worth the drive when its worth your while)... This is what I was offered... for a 36mo lease and 12,000 m/y
328i $40,XXX -Buy rate of .00140 + -Security waiver of .00015 -Total MF .00155 -Residual at 64% -$1500 down -512.15 incl. tax
I then wanted pricing on the 528 and because of the residual and high MF was offered the following for a 36mo lease with 12,000 m/y...
528i $48,XXX -Buy rate of .00250 + -Security waiver of .00015 -Total MF .00265 -Residual at (I am not sure... sorry) -$1500 down -753.15 incl. tax
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1) I understand that down-payments on a lease should be avoided since it's lost money if totaled (no gap insurance coverage). Then how do you apply a trade-in to reduce lease cost? I've heard somebody mention the dealer cutting a check for trade-in. Do all dealers provide this option rather than forcing you to apply it as a down-payment/cap cost reduction?
2) Slightly off-topic, but if you have traded a car in recently, how close did you come to the edmunds' TMV for trade-in? Anybody exceeded it came close to private-value?
Hi hebz. The best way to tell if you are getting a good deal on this car is to look at its selling price. The selling prices of leased vehicles are negotiable, just as if you were paying cash for or financing them. If you find out exactly what this car's MSRP and selling price are and let us know we would be happy to share our opinions on this deal with you.
As far as this car's money factor goes, BMW Financial Services' current buy rate lease money factor for the 2007 328i Coupe is .00140 with the payment of a security deposit at lease signing and .00165 with the deposit waived.
Greetings tln. You never mentioned the selling price of the car that you are interested in leasing. This is an important number for you as a consumer to know for two reasons. First, the selling prices of leased vehicles can be negotiated, just as if you were paying cash for them. Without knowing the price of the car that you want to lease you don't know how good a price you are getting it for. The second reason is that one needs the selling price of a vehicle that they want to lease is that it is necessary to calculate its lease payment. I would be more than happy to give you my opinion of this deal if you let me know what its selling price is.
Hi yoshodeep. As I just mentioned to the last couple of posters, two of the most important numbers to look at when negotiating a lease are the MSRP and selling price of the car that you want. The selling prices of leased vehicles are negotiable, just as if you were paying cash for or financing them. I would be happy to give you my opinion of this offer if you let me know what these two numbers are.
Here's the information that you're looking for, rmoreno1. BMW Financial Services' current buy rate lease money factor and residual value for a 24 month lease of a 2007 328i with 15,000 miles per year are .00140 and 71%, respectively. The numbers for an otherwise identical 36 month lease are .00140 and 61%. 15,000 miles per year is the highest mileage allowance that BMW FS publishes residual values for. If you need to drive more than this, you will have to purchase additional miles on a per-mile basis. It is less expensive to do so at lease signing than it is to wait until lease-end and have to pay an excess mileage penalty.
You're welcome Craig. The lack of competition in your area is definitely going to make negotiating a good deal on tis car more difficult than if you were in an area that has lots of dealers, like California or New York. This is evident by the fact that both dealers are lying about BMW FS' acquisition fee. Not all of the acquisition fee is BS though, just the $200 mark-up. If you are able to lease this car using its buy rate money factor for $500 over dealer invoice, plus the marked up fee, I'd say that you are getting an excellent deal. BMW FS' residual values for leases with 12,000 miles per year are 2% higher than its 15k residuals.
Hi eduser. You never mentioned how long you want to lease for, so for now I will assume that you're interested in a 36 month lease with 15,000 miles per year. Let me know if you want something different. BMW Financial Services' current 36 month, 15,000 miles per year buy rate lease money factor for the '07 328i Sedan are .00140 and 61%, respectively.
Here you go, ploops. BMW Financial Services' current buy rate lease money factor and residual value for a 24 month lease of a 2007 328i Sedan with 10,000 miles per year are .00140 and 74%, respectively.
Hi muddyy. A 39 month term will probably result in a lower monthly payment than a 24 month lease of this car would. I don't know the exact dealer invoice price of the car that you described, but chances are that it has a spread of around $3,500 between its full MSRP and its dealer invoice price. The $1,860 discount that you are being given on it isn't bad, but it wouldn't hurt to shop around to see if you can beat it. Have you tried comparison shopping with a few dealers in your area yet? Once you arrive at the best selling price that you think you are going to get, have the dealer calculate your monthly payment using BMW Financial Services' buy rate lease money factor, which for a 39 month lease of an '07 328xi Coupe is .00190 with the payment of a security deposit at lease signing.
Hello bmwcrzr. The fact that you are getting the dealer that you are working with to calculate these cars' lease payments using their buy rate money factors is a very good thing. Are the prices that you mentioned their MSRPs or their selling prices? You really need both numbers to do a good job evaluating these deals. If you let me know what they are, I'll tell you what I think.
Hi pmeswani. This question really belongs in the X3 leasing discussion. I'll give you a quick opinion on your deal here, but please post any further questions that you have about the X3 there.
The money factor that you were quoted is right in line with BMW Financial Services' buy rate for this model. That is a good thing. The selling price that you were quoted isn't bad. There is probably around a $3,300 spread between the MSRP and dealer invoice price of the X3 that you are interested in. If so, that would put your truck's selling price at around $1,300 or so over invoice, which as I said is decent. You may want to stop by the following discussion to compare the selling price that you were quoted to what other community members have paid for similar trucks lately: "BMW X3: Prices Paid & Buying Experience".
Yes, winwin, BMW Financial Services charges a $350 disposition fee on every lease. You will not have to pay this charge though if you lease another vehicle through BMW FS or purchase yours at the end of your lease.
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What is the buy rate MF for a 328i __coupe__? You quoted the mf of a sedan. Are they the same? Is that with a single security deposit?
Thanks.
This is my first time posting in here and since I'm 23 years old also my first time buying a car! I'm trying to lease a 2007 328i Coupe. MSRP of $41,400 options are leather navigation automatic and heated seats.
I've been quoted 36 Months $2500 down 12,000 miles for $455 a month + tax. He also said that 1st payment, dmv and bank fees are due at the time of the signing. Also, the monthly payment is taxed (if you live in LA it's 8.25%).
I've only been dealing with the internet department. I havent tried negotiating the MSRP at all and havent met with them in person. As is is this a good deal? Thank you to anyone who can help out!
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It would be much easier to tell how good a deal this is if you were able to provide me with this car's selling price. This is a very important number for you to know anyhow. The selling prices of leased vehicles are negotiable, just as if you were financing or leasing. Negotiate as low a selling price as you can on the car that you want. You are fortunate to be in an area that has so many dealers. You can comparison shop if you have to. Once you have a price that you are comfortable with, have the dealer calculate your monthly payment using BMW Financial Services' buy rate lease money factor, which is currently .00140 for this model.
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MSRP $47700. Invoice $44065. Cap cost $45565. $625 aqu. $650 sec deposit. zero cap reduction. MF .00175 Resid 74% 24mo and 10K mi a year. pmt $605/mo
I am a happy driver now. Hope this deal is decent.
ML
328i sedan
MSRP$42500
36m/10k
0 sec. deposit
$961 drive off
$580/mo (included tax)
Thanks
My first question is in regards to invoice vs MSRP prices: I'm looking at a base model 328i with an invoice cost of $30,585 and an MSRP of $33,175. What is the closest I can hope to get to the invoice price, living in California, and working with a dealer who claims to have too many cars in stock?
Second, assuming no cap reduction, what are the legitimate out the door items I should be paying, and how much should I be paying for them (how much should the license and registration be? the security deposit? etc.)
I apologize if these questions have been asked repeatedly, but there's a lot of messages to sift through here! If anyone can help before Saturday it would be HUGE.
Thanks,
ploops
39 months, 12k miles/year
$520.00 (including 6% Indiana State Tax)
Drive off: $1085.00 (first month, $550.00 Security Dep, $15.00 Doc fee)
Does it make sense?
I just leased a 328i in March. In California virtually all BMW dealers have a $380 MACO (marketing fee) and $180 training fee which are charged by BMW and which are added to the invoice. Therefore the invoice the dealer has should reflect $31,145 instead of the Edmunds $30,585 number. A good deal is considered $500 over this amount for a 328i sedan (I got mine $400 over).
Other fees will include $625 lease acq fee (which dealer will likey try to charge $825), approx $300 Dmv fees, and $45 doc fee. Security deposit is your monthly payment rounded up to the next $50 ($460 payment = $500 sec dep).
Don't forget the lease rate this month is .00140 and the dealer will likely try to mark it up. This can significantly affect your monthly payment.
Did you find that if you call the dealer on raising the lease rate that they will lower it back to the monthly rate (.00140 for June), or did you have to jump through hoops?
Did they try the same thing on the residual percentage?
Based on the fees you outlined it looks like I should be paying approximately $1,630 out the door, however, this is not included in the purchase price, thus it doesn't affect the monthly payments, correct?
EDIT: Just thought of another question--is the acquisition fee you referenced the same as the destination charge?
Thanks,
ploops
What would the money factor and residual value be on a 15k & 18k miles lease for 24 & 36 months on a 328i? Thanks for your help!
thanks in advance
Much thanks,
ploops
The NY dealer gave me:
List: 44,975
Net cap cost: 43,115
39 months
10,000 miles/year
Due down: 3,664
Monthly pay: 550
He said 39 months was the way to go for lowest monthly payment, even though I wanted 24 months originally. I don't drive a lot and it seems going to 12 or even 15,000 miles a month does not make that much difference.
The dealer has said I will not find a better deal anywhere but I think the cost of the car is high, the down payment is high and the monthly payment is too high. I feel if I shop around i will get a better deal and if i say the right things to him I will get a better deal. But it seems from this forum that everyone's lease prices are different; why is that? Is it dealer manipulation, timing, or what? I wish there was only one lease price but it doesn't seem to be the case.
All of this is compounded by the fact that the dealer said BMW closes the plants for August and almost all of the 328xi coupes coming in are spoken for. The second dealer I talked to on the phone said flat out he couldn't get one and if I ordered in late June or July I would likely get a 2008, not a 2007. I feel uncomfortable ordering a car and then getting one no one has ever even seen a picture of, much less driven.
Is BMW always this difficult to buy from and get straight answers from, or is it just the NY dealers (hasn't the coupe been around for a while?). I mean, I have been going to this dealer for a couple of months and still have not been able to see or drive the car i want to buy (he never has one) even though he is a very big dealer and sells tons of cars. When I finally did test drive, it was a 328i sport package coupe with sport suspension - I want an 328xi with regular suspension. He of course said they were the same (except in snow) but even the most novice driver knows that's not true.
Anyway, lease price seems way off to me, does anyone have any insight on how to negotiate the lowest deal? Maybe the name of a dealer would help if you know one who has a good lease price and actually can get the car. Thanks in advance.
Here's the deal I got:
MSRP: $34,925
Purchase: $33,125 (with mats)
Cap cost: $33,750
MF:.0014
Res: 64%
Out the door costs: $1,191 ($450 sec, $430 first payment, $311 DMV)
Monthly payment pre tax: $396
After the MACO and training fees, I think I got this at about $300 over invoice, but it took work.
(I check the forum rule is OK for above info)
Thx.
328i comes with sport package, premium package, xenon, comfort access, sun shade, heated seat & nav.. was offering $961 drive off, $580/month including tax.
335i comes with sport package & premium package only.. was offering $1036 drive off, $620/month including tax.
They are both 36 month/10k miles term. Any suggestion?
right now we are sold thru 2007
2008 lease quotes will not be available until late August
Is that what everyone is hearing from every dealer in the US? Hard to believe.
I was told they'd be available late July.......hummmph
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They tried to pad the number, but overall didn't seem like they wanted to screw me.
I went to the local dealer (I usually lease from a dealer that is a bit out of the way and in a "bad" nieghborhood - worth the drive when its worth your while)... This is what I was offered... for a 36mo lease and 12,000 m/y
328i $40,XXX
-Buy rate of .00140 +
-Security waiver of .00015
-Total MF .00155
-Residual at 64%
-$1500 down
-512.15 incl. tax
I then wanted pricing on the 528 and because of the residual and high MF was offered the following for a 36mo lease with 12,000 m/y...
528i $48,XXX
-Buy rate of .00250 +
-Security waiver of .00015
-Total MF .00265
-Residual at (I am not sure... sorry)
-$1500 down
-753.15 incl. tax
Can anyone tell me if this is a good deal?
2007 X3
MSRP: 41825 (includes premium package, privacy windows, heated seats)
Purchase Price: $39850
24 month term with 10k miles/year
Residual 78% ($32,623.50)
Money Factor: .00215 (5.16%)
Total Initial Payment (includes taxes, govt. fees, doc fee, $500 security deposit) = $2173.01
Monthly Payment= $499.87
Advice is appreciated!!
In my 328i lease term paper, there is a $350 deposition fee to return the car at lease end.
Is this normal ?
Thanks.
- winwin2
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Craig
1) I understand that down-payments on a lease should be avoided since it's lost money if totaled (no gap insurance coverage). Then how do you apply a trade-in to reduce lease cost? I've heard somebody mention the dealer cutting a check for trade-in. Do all dealers provide this option rather than forcing you to apply it as a down-payment/cap cost reduction?
2) Slightly off-topic, but if you have traded a car in recently, how close did you come to the edmunds' TMV for trade-in? Anybody exceeded it came close to private-value?
Thanks for the help! :shades:
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As far as this car's money factor goes, BMW Financial Services' current buy rate lease money factor for the 2007 328i Coupe is .00140 with the payment of a security deposit at lease signing and .00165 with the deposit waived.
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The money factor that you were quoted is right in line with BMW Financial Services' buy rate for this model. That is a good thing. The selling price that you were quoted isn't bad. There is probably around a $3,300 spread between the MSRP and dealer invoice price of the X3 that you are interested in. If so, that would put your truck's selling price at around $1,300 or so over invoice, which as I said is decent. You may want to stop by the following discussion to compare the selling price that you were quoted to what other community members have paid for similar trucks lately: "BMW X3: Prices Paid & Buying Experience".
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