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2014 BMW 4-Series Lease Questions
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Comments
36/10
39/10
Target price before incentives of 8% off MSRP a good way to go into negotiations?
8% off MSRP may be a bit much ... but, it doesn't hurt to start there and see what the dealer says.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
2015 428i; 10k miles/39 mos
MSRP 41950
Selling price including incentive: $37,000
Net Cap Cost: 37000 + 725 Acquisition Fee + 700 Dealer Fee/Titling/Registration etc.
= 38425
RV @61%= 25589.5; Depreciation = 12835.5 / 39 = 329.12
FC = .0013 * (25589.5 + 38425) = 83.22
pre-tax: 412.34
Fwiw, with regards to the mod's comment that 10% off sticker might be aggressive, the dealer opened negs with an offer 8% below sticker at about invoice so be aggressive at this time of year I suppose! My deal might not be best, but I'm happy with it.
The one lesson I will pass on is be wary of those dealer fees. I got mine lowered but not eliminated. Get that out in the open before you agree on price.
Good luck and happy hols all!
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
How much due at signing?
Location: Indiana, 7% sales tax
435i xdrive 2015, program car with 4,500 miles on it
MSRP $61,945
"Internet Deal" listed on web page: $59,945
I asked what was their "best deal" and was told $56,523
Now that I have that number, I asked about leasing:
39 mo / 10k/yr
I'm told $603/mo with $4,500 down but I can't seem to make that work given the formulas and the data. If I go with what I've seen for December numbers (car was "listed as sold 12/31" to me):
MF=0.00130
RV=62%
Residual value would be $38,405.90 but I can't figure how they are getting a payment of $603.62 without doing everything from MSRP rather than the "best deal" I was given.
Other numbers I was given, all included taxes:
39/10k no down, $716/mo
39/10k, 5k down, $570/mo
39/10k, 4k down, $598/mo
39/10k, 3k down, $628/mo
So...I really can't tell if this is a good deal or not. Do I have to wait until I go to sign paperwork and take my computer with me? :-)
Is this a Gran Coupe? If it's just a coupe, then the residual percentage is 1% too high.
The reason you can't make the numbers work is the program car has to have it's residual reduced, to account for the extra miles.. 4500 initial miles will reduce the residual by $900.
The selling price is just okay.. It's about invoice minus the $1000 incentive on this model. Considering the mileage on the car, it should sell for about $1000 less (in my opinion).
But, using their numbers, and assuming the residual is $900 less than the 62% of MSRP, I get a payment of about $610/mo.+tax.. Due at signing would be 1st payment, $725 acquisition fee, title/registration/doc fees.. (so, maybe $1800?)
I think Indiana taxes the monthly payment, right? So, $610/mo.+tax would be around $652/mo., with $1800 due at signing..
To get to $603/mo. including tax would take an $1800 CAP reduction, so around $3600 upfront.
That's a lot of supposition on my part, but the lease deal they quote is about $900 total more than what I come up with.. Lots of moving parts, there, so without a breakdown of the actual numbers, all those are just estimates..
If it's me, I want your payment with only $2500-$3000 due at signing, not $4500 (to simplify matters). I will say that after Friday, the price will probably go up with the new program.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Sorry, I was out driving for several days, ha. Just first month's payment down.
On Monday, BMW raises prices of all 4 series by a couple of hundred bucks I read yesterday.
There's a dealership close by that has a few leftover 2014 428i's. I'm considering leasing one, but I'm wondering what the counter argument is for leasing a 2014 model as opposed to a 2015. I'm interested in this late model because it's nearly fully loaded - nav system, driver assistance, lighting, premium package, sport line, etc. I figured the warranty would have already been started and a whole year's value has been spent. Is there anything else I should consider?
The listed MSRP is $52650 and considering it's last years model the dealer told me it was going at $46488 and he quoted me a lease rate of $499 + tax at 12k/36. Money factor of .00081 (I said 7 MSDs). I'm not sure how to begin negotiations here - what do you guys suggest?
We don't have the new January numbers for 2014 models.
But, no reason not to lease a 2014, if it's a better deal. The warranty clock should not have started, unless it's a service loaner or demo. Money factor might be slightly higher, this month (.00082 with 7 MSDs).. Of course your proposed payment doesn't mean much without knowing how much is due at signing, outside of the MSDs.
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10k/36. MSRP 52225.00. Total Cap: 45795. Monthly payment w/o taxes: 478.22.
Residual Base: 56.
Residual bump: 3.
Total residual: 30,812.75
First month: 520.06 (inc taxes)
Sec deposits: 3850.
Fees and insurance: 520 (no idea what this is).
Total drive off: 4897.06
What do you think kyfdx? My MO is, I'm not sure how to valuate considering it's 2014. I figure for a 2015 I could just use Truecar to determine whether or not the Cap is reasonable.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Really... the only thing that matters... is it a better deal than a brand-new one?
And, without a doubt, you won't be able to come close to that deal on a new 4-Series.. It's saving you $100/mo, most likely.
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How does this deal sound:
2015 435i M Sport
MSRP: $58175
Total cap cost: 53000
MF: .00130
Residual: 58 percent for 39 month, 15K/yr
Acquisition fee: 725
Doc fee: 80
DMV fees: 469 (California)
Monthly payment: $668 (including taxes)
Drive off: $1942
Plus, they'll cover my last payment and disposition fee for the current lease.
Can I do much better than that?
Thanks again.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
But 661/month and 1942 drive off sounds pretty good for a 58,175 dollar msrp 2015 vehicle with California taxes?
I'm just worried they'll try to add on fees when I sign the lease. But I computed the monthlies and the drive off and sent it to them so if they tinker with anything, I should notice, right?
thanks again.
Pay close attention to all the numbers when you go in to sign; trust, but verify.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
$56150
$47999 SP + 795 acq. fees
$1195 due at signing
$627 a mo for 36 mos, includes 7% tax
good deal?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Thanks for responding so quickly! Much appreciated.
Are the april numbers out for M4 10/12k 36/39? Thanks in advanced
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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I was offered
2015 428i coupe
$45350 MSRP
$42370 Selling Price
62% RF .0013 MF
$370 license and registration, $995 Bank Fee (is this fee legit?)
$2073 drive off
$531 a mo for 36 mos, includes 9% tax
good deal?
But, you're getting the base MF from the dealer, so that's a plus.
I'm getting the same numbers as the dealer.
You can buy down the MF with MSDs, or negotiate for a better selling price.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
What is the net cap cost?
Base MF is good, but you are right, I think there is more discounting available from sticker - usually 5-7% is good.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
And, I thought IL changed over their tax laws so that only the monthly payment is subject to tax ... I don't understand the 5% and $2166 being added to the cap cost.
On a 36 month lease, every $1000 off the cap cost results in about $28/mo lower on the monthly payment.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
You can consider using MSDs to buy down the MF and lower your payment, or shoot for a selling price closer to invoice.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
I am trying to lease a 435xi GranCoupe. Based on the built I want bmw website gives MSRP 58300. (M, red interior, cold weather package, lightning package, navigation system).
Could someone please provide me with a sample email that I could send out to all the BMW centers around me that will make me sound that I know what I am talking about (mf, msd, other fees and etc.) and they will give me the best prices possible?
Thank you! I really appreciate it.
435xi GranCoupe MSRP 58,300
Capital $53,989
mf .000159
residual value 63%
$0 downpayment but I do have to pay $2047 for first month + tax register + acquisition fee($995)
monthly payment $679
With your current numbers, I'm showing about $624/mo pre-tax. Drop the MF and the payment goes down to $597/mo before tax.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
MSRP 62585
capital 58829
mf .000130
residual value 63%
down $2080 dollars, for all the fees, acquisition fee (995) ( they are willing to lower the acquisition fee to $725)
monthly $727
Then minus $1,000 off for college grad program.
monthly becomes $696
MF is .00130 (2 zeros, not 3).
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
What's the base price for 435xi
Tire and wheel insurance is a good deal ... for the dealer.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
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