2014 BMW 3-Series Lease Questions

willyc1 · January 2015

Could I please get the MF and Residuals for a 2015 328i 24mo/15K 328i?

kyfdx · January 2015

willyc1 said:
Could I please get the MF and Residuals for a 2015 328i 24mo/15K 328i?

We only have 39 month numbers, right now...

The 24-month numbers haven't been very competitive, lately. Doubt that has changed

htwnrver · January 2015

Do you have any lease numbers for 2014 328i 39/10 (or whatever the best rate would be)?

Michaell · January 2015

htwnrver said:
Do you have any lease numbers for 2014 328i 39/10 (or whatever the best rate would be)?

.00130 and 62%. $1000 innovations credit this month.

No 39 month program on the 2014's.

htwnrver · January 2015

Does the innovations credit just come off the MSRP? I was qouted 8k discount off a 2014 48k 328i; it seems like I could do a little better than that with this credit?

Michaell · January 2015

htwnrver said:
Does the innovations credit just come off the MSRP? I was qouted 8k discount off a 2014 48k 328i; it seems like I could do a little better than that with this credit?

Check with the dealer, but it may be that the $1K credit is included in their offer of $8K discount.

kcharm · January 2015

Hi,

Could I get the latest numbers for 36/12 and 39/12 in Los Angeles for a 2015 328i and 335i?

Thanks so much!

kyfdx · January 2015

kcharm said:
Hi,

Could I get the latest numbers for 36/12 and 39/12 in Los Angeles for a 2015 328i and 335i?

Thanks so much!

.00130 MF and 62% residual for 39 mo, 12K/yr

mrtowers · January 2015

I'm getting this deal offer but it seems the MF is high.. can you confirm?

2015 BMW 335i, Technology, M Sport, Premium, Drive Asist..

39 month lease
12,000 miles per year
.00170 money factor
62% residual
$35,064.10
$56,555 MSRP
$3,205 discount
$53,350 selling price
$1,039 due are signing
$758 per month
All taxes are rolled into the lease
IBEX and tint and Nitrogen are included

kyfdx · January 2015

mrtowers said:
I'm getting this deal offer but it seems the MF is high.. can you confirm?

2015 BMW 335i, Technology, M Sport, Premium, Drive Asist..

39 month lease
12,000 miles per year
.00170 money factor
62% residual
$35,064.10
$56,555 MSRP
$3,205 discount
$53,350 selling price
$1,039 due are signing
$758 per month
All taxes are rolled into the lease
IBEX and tint and Nitrogen are included

Yes.. the money factor is marked up the maximum amount. Base MF is .00130

mrtowers · January 2015

Thank you.. can you help me to calculate the monthly payment with MF .00130?

Appreciate it.

kyfdx · January 2015

mrtowers said:
Thank you.. can you help me to calculate the monthly payment with MF .00130?

Appreciate it.

Substituting .00130 will drop the payment by about $37/mo.

I don't know your state or tax rate, but they are adding an awful lot on to the selling price to come up with a payment that high.. You should ask for the CAP cost.

ag2334 · January 2015

Working on an executive demo, deal below please let me know what you guys think

'14 328i
sport
nav
prem pckg
drivers assist package

Retail Price $47,975
Selling Price $35,964

$477 drive off

3yrs/10k

381.68 tax included

Res. is 62%

MF is .00130

Michaell · January 2015

ag2334 said:
Working on an executive demo, deal below please let me know what you guys think

'14 328i
sport
nav
prem pckg
drivers assist package

Retail Price $47,975
Selling Price $35,964

$477 drive off
3yrs/10k
381.68 tax included
Res. is 62%
MF is .00130

I think there is a difference between your selling price and the net cap cost used to figure the lease payment.

Using your numbers, I get a pre-tax payment of $258.18.

ag2334 · January 2015

I just reached out to the dealer to find out what cap cost is being used, am I safe to assume they are working off of a price that's roughly $4k more than what is being offered face value?

kyfdx · January 2015

ag2334 said:
I just reached out to the dealer to find out what cap cost is being used, am I safe to assume they are working off of a price that's roughly $4k more than what is being offered face value?

I'm sure there are extra costs added, over and above the selling price. But the biggest difference is probably the residual. It is reduced by $0.20/mile for each mile on the odometer.. So, if the car has 10K miles, the residual reduction is $2000.

ag2334 · January 2015

Thank you both for your responses. The car has 11,163 miles on it, I've asked for the net cap cost figure and am awaiting a response. What would be my next step in the negotiation?

ag2334 · January 2015

Michaell said:

ag2334 said:
Working on an executive demo, deal below please let me know what you guys think

'14 328i
sport
nav
prem pckg
drivers assist package

Retail Price $47,975
Selling Price $35,964

$477 drive off
3yrs/10k
381.68 tax included
Res. is 62%
MF is .00130
I think there is a difference between your selling price and the net cap cost used to figure the lease payment.

Using your numbers, I get a pre-tax payment of $258.18.

Net Cap Cost is 37,024.75

Based on that, if I am looking at the deal correctly, there is roughly $1,060.75 (Net Cap Cost) on the front end and $2,232.60 (Residual Reduction) on the back-end to be negotiated. Roughly the difference in what you ran numbers at Michaell, am I correct?

28firefighter · January 2015

Based on the information provided I get the following.

MSRP: $47,975
Net Cap Cost: $37,024.75
Calculated Residual: $27,611.90 (62% Residual less mileage adjustment)
Money Factor: .00130
36 months/10k a year

I get $345.50/month pre-tax. Depending on your tax rate, that seems pretty close. Assuming 9.5% monthly leasing tax like we have here in WA, I get $378/month.

28firefighter · January 2015

I would also add you should consider putting down multiple security deposits up front - you can do up to 7 MSDs which would lower your money factor to .00081. This is money you'd get back at the end of the lease.

If you did this, you would reduce your monthly payment (using the calculation above) to $313.82/month pre-tax.

ag2334 · January 2015

28firefighter said:
Based on the information provided I get the following.

MSRP: $47,975
Net Cap Cost: $37,024.75
Calculated Residual: $27,611.90 (62% Residual less mileage adjustment)
Money Factor: .00130
36 months/10k a year

I get $345.50/month pre-tax. Depending on your tax rate, that seems pretty close. Assuming 9.5% monthly leasing tax like we have here in WA, I get $378/month.

28firefighter said:
I would also add you should consider putting down multiple security deposits up front - you can do up to 7 MSDs which would lower your money factor to .00081. This is money you'd get back at the end of the lease.

If you did this, you would reduce your monthly payment (using the calculation above) to $313.82/month pre-tax.

I just did some research on the MSD program, had no clue about it til just now. Thank you for the info, that's a huge incentive! Really appreciate the help!!

28firefighter · January 2015

Absolutely. Factory Demo leases are, in my opinion, the best kept secret that BMW offers. Effectively 0 down and $313/month + tax for a $48k car? That is a steal.

Michaell · January 2015

28firefighter said:
Absolutely. Factory Demo leases are, in my opinion, the best kept secret that BMW offers. Effectively 0 down and $313/month + tax for a $48k car? That is a steal.

Agreed. Perhaps I'll try to find one when my current lease is up!

28firefighter · January 2015

There are a few dealers around the country that specialize in buying these at auction. I suspect ag2334 is leasing from one of them, since I'm 99% sure I found the unit he is looking at.

ag2334 · January 2015

Michaell said:

28firefighter said:
Absolutely. Factory Demo leases are, in my opinion, the best kept secret that BMW offers. Effectively 0 down and $313/month + tax for a $48k car? That is a steal.
Agreed. Perhaps I'll try to find one when my current lease is up!

28firefighter said:
There are a few dealers around the country that specialize in buying these at auction. I suspect ag2334 is leasing from one of them, since I'm 99% sure I found the unit he is looking at.

Total steal. Thank you guys again for the help. I'll be pulling the trigger on the deal Friday.

Michaell do it, well optioned, low miles and standard warranty. Can't beat it! 28firefighter, nice right?

28firefighter · January 2015

Beautiful. Enjoy it!

denisos · January 2015

Hi, great forum, very helpful for navigating this financial maze called auto leasing.
Sharing my information here for the community:
2015 328i Alpine White premium pkg, heated seats.
Term 39 months @ 10k miles per year
MSRP:42050
Sales Price: 37788
MF 0.00130 reduced to .00081 by 7 MSDs (7x$400) [a great option]
Monthly: $341 ($372 after ca tax)
Residual: 63%

Lic.Reg+Acquisition Fee+Doc fee ($80): due at drive off. I think I overpaid Acquisition Fee $925..I should have stuck to my guns on $725 (learn from my mistake)
Lic and reg same as dmv $356 (calculated on dmvs calculator)

kyfdx · January 2015

denisos said:
Hi, great forum, very helpful for navigating this financial maze called auto leasing.
Sharing my information here for the community:
2015 328i Alpine White premium pkg, heated seats.
Term 39 months @ 10k miles per year
MSRP:42050
Sales Price: 37788
MF 0.00130 reduced to .00081 by 7 MSDs (7x$400) [a great option]
Monthly: $341 ($372 after ca tax)
Residual: 63%

Lic.Reg+Acquisition Fee+Doc fee ($80): due at drive off. I think I overpaid Acquisition Fee $925..I should have stuck to my guns on $725 (learn from my mistake)
Lic and reg same as dmv $356 (calculated on dmvs calculator)

Congrats.. you did a nice job!

tdwil · January 2015

I am hoping you can help me...I am new to leasing. Looking at the following deal:

2014 320i xDrive. Includes Moon roof, power/heated front seats, NAV
Term 24 months @ 10k miles per year
MSRP: 40,395
Sales Price: 37560 (not yet negotiated)
Downpayment is $3000 and monthly payment is $239. Also have the option for no downpayment and $329 a month. Based on what I am reading online, it appears that the no downpayment option is better.

Other fees at signing 1761 (includes MA tax of 6.25%). Acquisition, first month and Docs.There is an additional 280 or so which I cannot account for. Need to ask the dealer what this is.

Residual: 63%

I wasn't provided the Money factor but I calculated to be around .00021.

Is this a good deal?

Thanks

Michaell · January 2015

tdwil said:
I am hoping you can help me...I am new to leasing. Looking at the following deal:

2014 320i xDrive. Includes Moon roof, power/heated front seats, NAV
Term 24 months @ 10k miles per year
MSRP: 40,395
Sales Price: 37560 (not yet negotiated)
Downpayment is $3000 and monthly payment is $239. Also have the option for no downpayment and $329 a month. Based on what I am reading online, it appears that the no downpayment option is better.

Other fees at signing 1761 (includes MA tax of 6.25%). Acquisition, first month and Docs.There is an additional 280 or so which I cannot account for. Need to ask the dealer what this is.

Residual: 63%

I wasn't provided the Money factor but I calculated to be around .00021.

Is this a good deal?

Thanks

You cannot reverse engineer the money factor from the rest of the lease numbers; besides, the base MF for BMW is .00130, which can be lowered to a minimum of .00081 if the maximum number of MSD's are used.

Yes, no down payment is preferred - if the car is stolen or totaled, you would lose that money.

The 24/10 residual for the 320xi is 69%; the 36/10 residual is 63%. Confirm with the dealer which lease term they are quoting you.

Using the .00130 MF, I calculate a $0 down payment of $418.33 for 36 months and $488.71 for 24 months using your MSRP and selling price.

Have the dealer explain to you how they are able to give you such a low payment quote - $3000 down is $125/mo for 24 months (net payment $364) and $83/mo for 36 months (net payment $335).

texas2015 · January 2015

I am looking at a 2014 328i with tech package, hk surround sound, m package, premium package , moonroof, tinted windows, estriol blue sale price $49900 3k down 10k miles 36 mos $580/month including taxes in Texas so sales tax built in good deal or screw job?

texas2015 · January 2015

Sorry 12k miles

Michaell · January 2015

texas2015 said:
I am looking at a 2014 328i with tech package, hk surround sound, m package, premium package , moonroof, tinted windows, estriol blue sale price $49900 3k down 10k miles 36 mos $580/month including taxes in Texas so sales tax built in good deal or screw job?

What is the MSRP? The taxes in Texas are going to increase your payment, for sure.

.00130 MF and 61% for 36/12 on the 2014 model year.

texas2015 · January 2015

49900, they are saying because it's a 2014 the dealership owns it and won't come down

texas2015 · January 2015

All things considered is 580 a decent price I'm currently paying 490 on a 2012 328 w tech and premium package it was 43k 36/12 so 580 for a 49k car sounded ok when Texas sales tax is added

Michaell · January 2015

texas2015 said:
All things considered is 580 a decent price I'm currently paying 490 on a 2012 328 w tech and premium package it was 43k 36/12 so 580 for a 49k car sounded ok when Texas sales tax is added

Frankly, you're probably better off going with a 2015 if the dealership won't discount the 2014 from sticker.

hyun1120 · February 2015

is it still possible to lease a 2014 model? if so, are the numbers same from previous posts for 335xi?
.0013 MF 62% residual? for 36/12?

Michaell · February 2015

hyun1120 said:
is it still possible to lease a 2014 model? if so, are the numbers same from previous posts for 335xi?
.0013 MF 62% residual? for 36/12?

.00130 and 61% for 36/12 on 335i/xi

willyc1 · February 2015

Could I please get the numbers for 328i for 36/15k?

Michaell · February 2015

willyc1 said:
Could I please get the numbers for 328i for 36/15k?

.00130 and 60% for 39 months, 15,000 miles

penny1212 · February 2015

Hi - Is the residual the same for 328i as the 335i above for 12k miles? Thanks.

Michaell · February 2015

penny1212 said:
Hi - Is the residual the same for 328i as the 335i above for 12k miles? Thanks.

Yes

tf108 · February 2015

Wondering if anyone has the residuals and MF for
2014 Activehybrid 3
24/10k and 36/10k

kyfdx · February 2015

tf108 said:
Wondering if anyone has the residuals and MF for
2014 Activehybrid 3
24/10k and 36/10k

.00130 MF and 63%/57% residual. $4000 Eco credit and $750 Innovations credit.

emc_la · February 2015

Does anyone have residuals and MF for 2015 320i?
36/10k and 36/12k

Thanks.

Michaell · February 2015

emc_la said:
Does anyone have residuals and MF for 2015 320i?
36/10k and 36/12k

Thanks.

Best terms this month are for 39 month leases ... MF is .00130 and 36/12 residual is 61%.

Add 1% for 10K.

inknasharj · March 2015

does anyone have residuals and MF for 2014 435i 36/10k 36/12k 36/ 15k?

Thanks in advance

Michaell · March 2015

inknasharj said:
does anyone have residuals and MF for 2014 435i 36/10k 36/12k 36/ 15k?

Thanks in advance

Best residuals through 3/2/15 are for 39 month leases. 39/15 numbers are .00130 and 58%.

Add 2% for 12K and 3% for 10K.

meh3485 · March 2015

Can someone let me know if this is a good deal?
2014 328xi with premium and cold weather package
this car is actually a loaner with about 9500 miles
Msrp - 44275
sale price - 34495
cap cost reduction - 1000
adjusted cap cost - 33495
term - 39 months
miles - 12k
monthly cost - 299 (all fees except dmv are rolled in)

kyfdx · March 2015

meh3485 said:
Can someone let me know if this is a good deal?
2014 328xi with premium and cold weather package
this car is actually a loaner with about 9500 miles
Msrp - 44275
sale price - 34495
cap cost reduction - 1000
adjusted cap cost - 33495
term - 39 months
miles - 12k
monthly cost - 299 (all fees except dmv are rolled in)

Hard to know all the numbers on a service loaner.. But, if it's $299/mo, it's cheap.. I'm surprised they are doing a 39 month lease on a 2014 model. Would have thought the best deal would be on 36 months.

You might check the warranty expiration date to make sure you are in warranty for the full term of the lease.

2014 BMW 3-Series Lease Questions

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