2015 BMW 5-Series Lease Questions

supercmonkey · July 2014

Hey everyone,
Ok so I placed my deposit for my 2015 550i and got a week 29 build date.
Please let me know your thoughts if this sounds like a good deal.
2015 550i
X04 Moonstone Metallic
LZMW Mocha Nappa Leather
4CE Anthracite Wood Trim
ZMM M Sport
ZEC Executive Package
6NS Enhanced USB and Bluetooth Plus Smartphone Integration
ZRT Remove Top Speed Limited
Price as configured which includes destination and handling $75,375
Selling price $71,095 + $80 doc + $725 acq fee + $573 lic fee + $29 cap fees
= $71,124 Net Cap Cost
7 MSD at $900 = $6300 giving a MF of .81
$864 Advanced payment
$1457 upfront charges = $8622 total down and $6300 MSD back at end of lease
12,000 miles per year
Residual .61% = $45,978
Monthly payment $793 + monthly CA tax $71
Total Monthly $864

Am I missing anything important?
Thoughts and many thanks!

kyfdx · July 2014

Given the lease program on that vehicle, I don't know how you could have done any better.

supercmonkey · July 2014

Thanks so much kyfdx you made my day!

osbar81 · August 2014

What is the current MF and RV on a 2015 BMW 550i xDrive for 36 months and 12k/yr? Any option credit?

Michaell · August 2014

@osbar81 said:
What is the current MF and RV on a 2015 BMW 550i xDrive for 36 months and 12k/yr? Any option credit?

.00130 and 61%. No option credit on the 2015's at this time.

dr08 · August 2014

Do you have the current MF and residual value for a 2015 535i for 36 months and 10k miles/year?

Michaell · August 2014

@dr08 said:
Do you have the current MF and residual value for a 2015 535i for 36 months and 10k miles/year?

.00130 and 62%.

jddssc121 · August 2014

can you share 36/15 for a 2015 535 diesel xDrive?

and i see an eco credit and build cash? is loyalty still out there too?

(and if you don't mind the cross post, would love to see the 2014 #'s as well )

Michaell · August 2014

@jddssc121 said:
can you share 36/15 for a 2015 535 diesel xDrive?

and i see an eco credit and build cash? is loyalty still out there too?

(and if you don't mind the cross post, would love to see the 2014 #'s as well )

2014 - .00130 and 58%. $1500 build out and $1000 Eco credit this month

2015 - .00130 and 59%. No incentives

jddssc121 · August 2014

@Michaell said:
2015 - .00130 and 59%. No incentives

Thank you sir! I am having trouble finding the loyalty $ amount for the 2014/2015 5 series vehicles...it's usually $750 or so.... do you know what that is for August?

kyfdx · August 2014

@jddssc121 said:
Thank you sir! I am having trouble finding the loyalty $ amount for the 2014/2015 5 series vehicles...it's usually $750 or so.... do you know what that is for August?

I don't know of any loyalty incentives for BMWs, this month.

powdercoat · August 2014

Please provide Money Factor and Residual for 2015 535xi.
Thank you

Michaell · August 2014

@powdercoat said:
Please provide Money Factor and Residual for 2015 535xi.
Thank you

What lease term and how many miles per year?

MF is .00130.

dr08 · September 2014

Anyone have the September MF and residual value for a 2015 535i for 36 months and 10k miles/year?

Michaell · September 2014

@dr08 said:
Anyone have the September MF and residual value for a 2015 535i for 36 months and 10k miles/year?

.00129 and 61%. $1500 innovation credit.

cliffpoz · October 2014

Anyone have October mf and residual for 535x 36 mos/10k miles

kyfdx · October 2014

cliffpoz said:
Anyone have October mf and residual for 535x 36 mos/10k miles

.00129 MF and 62% residual. $1000 Innovations credit.

jim2565 · October 2014

@kyfdx @michaell I'm wondering if this is a good deal:

2015 Bmw 535i Msport, Driver Assistant Pckg, Premium Pckg, Heated front seats, Shift paddles

Msrp: $63,750 Sales Price: $57,206
12k/36mo
MF .000129
Residual 61%
Taxes/fees/ drive off total $2,043.88 (8.25%) So California
Monthly Payment $685.01 or with 7 MSD's ($4,550) = told $635.00

Let me know if this is a good deal I am thinking of closing on the deal tomorrow morning.

kyfdx · October 2014

jim2565 said:
@kyfdx @michaell I'm wondering if this is a good deal:

2015 Bmw 535i Msport, Driver Assistant Pckg, Premium Pckg, Heated front seats, Shift paddles

Msrp: $63,750 Sales Price: $57,206
12k/36mo
MF .000129
Residual 61%
Taxes/fees/ drive off total $2,043.88 (8.25%) So California
Monthly Payment $685.01 or with 7 MSD's ($4,550) = told $635.00

Let me know if this is a good deal I am thinking of closing on the deal tomorrow morning.

That is a great deal.. Over 8% off MSRP before the $1000 Innovations credit, and all base rates.. $600/yr savings by making a $4550 refundable deposit.. Don't pass up the MSDs. (13.2% annual after-tax return on your MSDs).

jim2565 · October 2014

@kyfdx Thats good to hear, this will be my first lease. I appreciate the quick response.

adam9910 · October 2014

Anyone know the Residual on a 2014 528i this month @ 10K miles.

Also, my dealer says there is a $995 Bank Fee on all leases? Is this true or are they padding?
Thanks

Michaell · October 2014

adam9910 said:
Anyone know the Residual on a 2014 528i this month @ 10K miles.

Also, my dealer says there is a $995 Bank Fee on all leases? Is this true or are they padding?
Thanks

.00129 and 61% for 36 months 10K miles per year on the 2014 528i. $1500 innovations credit also available this month.

Base acquisition fee is $725 - looks like your dealer is marking this up.

ad1das101 · November 2014

Any November Residuals and MF available for 2015 535xi. 36month and 10k. Incentives?

Michaell · November 2014

ad1das101 said:
Any November Residuals and MF available for 2015 535xi. 36month and 10k. Incentives?

Answered in the 2014 discussion.

dmasonmd · November 2014

Thoughts on this deal? S. CA. 2015 535i w/ M-Sport, etc., MSRP $65550

-Selling Price (including $1000 off for "Un4gettable Event")=$58465
-Additional reduction ($500 USAA member and $1000 Innovation Credit) brings capitalized cost to $56465 + $725 bank fee = $57190
-36 months--10K miles per year--62% residual value--MF .000080 (w/ 7 MSDs)
-Drive offs = 7 Multiple security deposits totaling $4550 (refundable at lease end), $510 DMV, $580.53 first pmt and tax = $5640.53

MONTHLY PAYMENT = $580.53

kyfdx · November 2014

dmasonmd said:
Thoughts on this deal? S. CA. 2015 535i w/ M-Sport, etc., MSRP $65550

-Selling Price (including $1000 off for "Un4gettable Event")=$58465
-Additional reduction ($500 USAA member and $1000 Innovation Credit) brings capitalized cost to $56465 + $725 bank fee = $57190
-36 months--10K miles per year--62% residual value--MF .000080 (w/ 7 MSDs)
-Drive offs = 7 Multiple security deposits totaling $4550 (refundable at lease end), $510 DMV, $580.53 first pmt and tax = $5640.53

MONTHLY PAYMENT = $580.53

I get $538/mo.+tax.. so, if your tax is $42/mo., I'd say it's a great deal. Did you close on it, last month? New programs out today.

dmasonmd · November 2014

You are correct. Came to an agreement on these figures yesterday (for October lease terms) over email without mentioning a trade and then went in personally and tried to have them take back my 2012 loaded 535i with 13K miles w/ payoff of $38,800 and they balked even with me offering $1000 for them to take it (4 pmts left on lease). I see a new "Holiday Credit" of $2000 replacing the $1000 "innovation" credit for 2015 5-series. That would reduce pmt an additional $30. Any changes to MF or residuals for November? I am hoping for them to announce a new pull-ahead program in the coming weeks.

kyfdx · November 2014

dmasonmd said:
You are correct. Came to an agreement on these figures yesterday (for October lease terms) over email without mentioning a trade and then went in personally and tried to have them take back my 2012 loaded 535i with 13K miles w/ payoff of $38,800 and they balked even with me offering $1000 for them to take it (4 pmts left on lease). I see a new "Holiday Credit" of $2000 replacing the $1000 "innovation" credit for 2015 5-series. That would reduce pmt an additional $30. Any changes to MF or residuals for November? I am hoping for them to announce a new pull-ahead program in the coming weeks.

The money factor is .00130 for November and the incentive has indeed risen to $2000. I don't have the full slate of info this month (yet), but they are running a 39 month special on many models (including this one). The 39 month, 10K/yr residual is 61%.

ubi1 · November 2014

dmasonmd said:

You are correct. Came to an agreement on these figures yesterday (for October lease terms) over email without mentioning a trade and then went in personally and tried to have them take back my 2012 loaded 535i with 13K miles w/ payoff of $38,800 and they balked even with me offering $1000 for them to take it (4 pmts left on lease). I see a new "Holiday Credit" of $2000 replacing the $1000 "innovation" credit for 2015 5-series. That would reduce pmt an additional $30. Any changes to MF or residuals for November? I am hoping for them to announce a new pull-ahead program in the coming weeks.

If you don't mind what dealership in so. Cal did u get this offer. I'm interested looking for 2015 too.

Im wondering what the MF and residual for 2015 528i/535i for 30/10 and 36/10.

angelo20 · November 2014

Hi everyone, I am wondering if I am getting a good deal. I am trying to decide on a no thrills model 2015 528xi at MSRP 55,400 or a better suited at $59,100. The price difference is $540 vs $580 tax included. Both 36/10k $2500 out of pocket (according to dealer, this is just fees, which I find hard to believe.) Thanks in advance.

Michaell · November 2014

angelo20 said:
Hi everyone, I am wondering if I am getting a good deal. I am trying to decide on a no thrills model 2015 528xi at MSRP 55,400 or a better suited at $59,100. The price difference is $540 vs $580 tax included. Both 36/10k $2500 out of pocket (according to dealer, this is just fees, which I find hard to believe.) Thanks in advance.

What state is this? The $2500 might also includes the up front sales tax.

What is the negotiated selling price?

The national specials this month for BMW are for 39 month lease terms.

angelo20 · November 2014

Michaell said:

angelo20 said:
Hi everyone, I am wondering if I am getting a good deal. I am trying to decide on a no thrills model 2015 528xi at MSRP 55,400 or a better suited at $59,100. The price difference is $540 vs $580 tax included. Both 36/10k $2500 out of pocket (according to dealer, this is just fees, which I find hard to believe.) Thanks in advance.
What state is this? The $2500 might also includes the up front sales tax.

What is the negotiated selling price?

The national specials this month for BMW are for 39 month lease terms.

State is CT, I don't have the price.

Michaell · November 2014

angelo20 said:

Michaell said:

angelo20 said:
Hi everyone, I am wondering if I am getting a good deal. I am trying to decide on a no thrills model 2015 528xi at MSRP 55,400 or a better suited at $59,100. The price difference is $540 vs $580 tax included. Both 36/10k $2500 out of pocket (according to dealer, this is just fees, which I find hard to believe.) Thanks in advance.
What state is this? The $2500 might also includes the up front sales tax.

What is the negotiated selling price?

The national specials this month for BMW are for 39 month lease terms.
State is CT, I don't have the price.

Without the price, we won't be able to tell you if your payment is as low as it could be.

ubi1 · November 2014

Hi

2015 528i with Msport

Can you run the math for me using:
RV 62%
MF .0013 but with 7 Deposit .00081
MSRP $56,800
Selling price $51,700, and
Drive-off (1st month, acq, title & registration) $1700.
Tax is 8.75% here.

Is this a good deal?

Im trying figure out what my monthly.

Have you see dealership add .00010 in MF so there no bank fee markup? Im not sure what the dealership trying to mean.

kyfdx · November 2014

ubi1 said:
Hi

2015 528i with Msport

Can you run the math for me using:
RV 62%
MF .0013 but with 7 Deposit .00081
MSRP $56,800
Selling price $51,700, and
Drive-off (1st month, acq, title & registration) $1700.
Tax is 8.75% here.

Is this a good deal?

Im trying figure out what my monthly.

Have you see dealership add .00010 in MF so there no bank fee markup? Im not sure what the dealership trying to mean.

Is this 39mo, 10K/yr? If so, I get a residual 61%, not 62%.

Using 61%, I get $507/mo.+tax or about $552/mo. total.

No.... it's either a markup, or it isn't. They aren't required to markup the bank fee. So, if they markup the MF to make up for it, it's just an added cost to you.

dmasonmd · November 2014

Final deal signed today, different car than I previously posted.

2015 535i hard loaded w/ MSRP $69,250 (Blk/Blk, M Sport, premium package, multi contour seats, Harmon Kardon sound, side and rear window shades, driver assist and driver assist plus, heated seats, soft close doors). More than we necessarily needed but my mom is thrilled with the car as she previously had a 750i and missed some of those creature comforts on her previous 2012 535i, but does not miss getting the 7-series into and out of her garage.

Cap Cost including 2K "holiday" incentive and $725 bank fee = $62,245

39 Months

10K miles per year

Residual = 61% (will be less for 12K or 15K miles per year)

MF = 0.00081 (w/ 7 MSDs)

Additional to offset drive off of $1500 ($500 USAA member, plus $1000 "un4gettable drive event" credit). These will not be available to everyone, obviously, but I was happy to take advantage of them.

Total drive off of $4675 which includes $4900 for 7 MSDs, 1st payment and tax, $80 doc fee and a few other tiny misc fees and taxes, as well as CA DMV (Keeping in mind the $4900 is refundable entirely at lease end, so this is basically less than $0 drive off with the extra $1500 detailed above).

Payment = $650.46 including 8% Orange County, CA sales tax. This deal required significant time and effort, so I hope it helps others. If following previous posts, I was able to sell the 2012 we were trying to trade previously on Autotrader.com within 24 hours for the payoff amount.

For those unaware of MSDs, it means "multiple security deposits." You are allowed up to 7 and each decreases the MF by 0.00007 (up to a 0.00049 reduction), which brings the MF from 0.00130 to 0.00081. If you have the money available, it is a smart call as you get a 13%+ annual return on that money given the payment reduction--if you are making more than that on the money you have lying around, call me.

rayekaye · November 2014

dmasonmd said:
Final deal signed today, different car than I previously posted.

2015 535i hard loaded w/ MSRP $69,250 (Blk/Blk, M Sport, premium package, multi contour seats, Harmon Kardon sound, side and rear window shades, driver assist and driver assist plus, heated seats, soft close doors). More than we necessarily needed but my mom is thrilled with the car as she previously had a 750i and missed some of those creature comforts on her previous 2012 535i, but does not miss getting the 7-series into and out of her garage.

Cap Cost including 2K "holiday" incentive and $725 bank fee = $62,245

39 Months

10K miles per year

Residual = 61% (will be less for 12K or 15K miles per year)

MF = 0.00081 (w/ 7 MSDs)

Additional to offset drive off of $1500 ($500 USAA member, plus $1000 "un4gettable drive event" credit). These will not be available to everyone, obviously, but I was happy to take advantage of them.

Total drive off of $4675 which includes $4900 for 7 MSDs, 1st payment and tax, $80 doc fee and a few other tiny misc fees and taxes, as well as CA DMV (Keeping in mind the $4900 is refundable entirely at lease end, so this is basically less than $0 drive off with the extra $1500 detailed above).

Payment = $650.46 including 8% Orange County, CA sales tax. This deal required significant time and effort, so I hope it helps others. If following previous posts, I was able to sell the 2012 we were trying to trade previously on Autotrader.com within 24 hours for the payoff amount.

For those unaware of MSDs, it means "multiple security deposits." You are allowed up to 7 and each decreases the MF by 0.00007 (up to a 0.00049 reduction), which brings the MF from 0.00130 to 0.00081. If you have the money available, it is a smart call as you get a 13%+ annual return on that money given the payment reduction--if you are making more than that on the money you have lying around, call me.

that is a really good deal. can u tell me what dealer u bought from? i am in LA too.

dmasonmd · November 2014

I don't think specific dealers can be listed here, but I am sure any dealer would match the deal.

kyfdx · November 2014

dmasonmd said:
I don't think specific dealers can be listed here, but I am sure any dealer would match the deal.

You can name the dealership.. no contact information, such as email addresses or phone numbers, though...

swlbca · November 2014

Another offer So Cal Dealer offer on a 2014 550I
MSRP-74,000
SELLING-$66,236
36 MONTHS
61% RESIDUAL AT 10K MILES
$5000 DUE AT SIGNING
$659 + TAX

I'm thinking they should come $10K off of MSRP? Too much? Also per my
calculations, the break down of $5,000 due at signing is: $3,400 to
CAP Reduction and $1,600 Fees, license, tax and first months. Thoughts?

Michaell · November 2014

swlbca said:
Another offer So Cal Dealer offer on a 2014 550I
MSRP-74,000
SELLING-$66,236
36 MONTHS
61% RESIDUAL AT 10K MILES
$5000 DUE AT SIGNING
$659 + TAX

I'm thinking they should come $10K off of MSRP? Too much? Also per my
calculations, the break down of $5,000 due at signing is: $3,400 to
CAP Reduction and $1,600 Fees, license, tax and first months. Thoughts?

You are probably better off using the up front cash as MSD to buy down the MF.

Use the pricing tools at the top of the page to help set a target price.

navi4 · November 2014

I know that I am missing a lot of information but here's what I have... Black/black 528xi. Cold weather, driver asst, m sport for an msrp of $61700

39 month, 12k miles with 3500 down (tax,title, registration)

This is NYS (8% tax) and I was quoted a monthly lease of $595

Thoughts?

Michaell · November 2014

navi4 said:
I know that I am missing a lot of information but here's what I have... Black/black 528xi. Cold weather, driver asst, m sport for an msrp of $61700

39 month, 12k miles with 3500 down (tax,title, registration)

This is NYS (8% tax) and I was quoted a monthly lease of $595

Thoughts?

what is the sales price?

sammy81 · November 2014

Hello I was wondering if anyone can provide 2015 528i 15k/36 month money factor and residual for month of nov. Also for 2015 428i coupe. Thanks in advance. Much appreciated!

Michaell · November 2014

sammy81 said:
Hello I was wondering if anyone can provide 2015 528i 15k/36 month money factor and residual for month of nov. Also for 2015 428i coupe. Thanks in advance. Much appreciated!

528i - .00130 and 58% for 39/15. $2000 holiday bonus.

428i - .00130 and 58% for 39/15. $1000 holiday bonus.

sammy81 · November 2014

Thank you!

sports007 · November 2014

Thoughts on this deal? N. CA. 2015 535i w/ M-Sport, etc., MSRP $65300

-Selling Price (including $1000 off for "Un4gettable Event")=$57665
-39 months--12K miles per year
-Drive offs = $6741 with 7 Multiple security deposits totaling $4550 (refundable at lease end),

MONTHLY PAYMENT = $553 + tax

Michaell · November 2014

sports007 said:
Thoughts on this deal? N. CA. 2015 535i w/ M-Sport, etc., MSRP $65300

-Selling Price (including $1000 off for "Un4gettable Event")=$57665
-39 months--12K miles per year
-Drive offs = $6741 with 7 Multiple security deposits totaling $4550 (refundable at lease end),

MONTHLY PAYMENT = $553 + tax

I get $552.42 pre-tax, so the numbers are pretty darn close to one another.

Would it be correct to assume that the rest of the $6741 drive off is to cover fees and such? No down payment?

navi4 · November 2014

navi4 said:

I know that I am missing a lot of information but here's what I have... Black/black 528xi. Cold weather, driver asst, m sport for an msrp of $61700 39 month, 12k miles with 3500 down (tax,title, registration) This is NYS (8% tax) and I was quoted a monthly lease of $595 Thoughts?

$55,275

navi4 · November 2014

Michaell said:

I know that I am missing a lot of information but here's what I have... Black/black 528xi. Cold weather, driver asst, m sport for an msrp of $61700 39 month, 12k miles with 3500 down (tax,title, registration) This is NYS (8% tax) and I was quoted a monthly lease of $595 Thoughts?
what is the sales price?

55,275

Michaell · November 2014

navi4 said:

Michaell said:

navi4 said:
I know that I am missing a lot of information but here's what I have... Black/black 528xi. Cold weather, driver asst, m sport for an msrp of $61700

39 month, 12k miles with 3500 down (tax,title, registration)

This is NYS (8% tax) and I was quoted a monthly lease of $595

Thoughts?
what is the sales price?

55,275

I get $588.06 pre-tax, so your quote of $595 is pretty close if you are paying the tax up front.

2015 BMW 5-Series Lease Questions

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