2015 Infiniti Q50 Lease Questions

Michaell · February 2015

rezaf said:
Yes, Drive off is around $900, the rest is cap reduction.

Is that selling price reasonable?

Yes. Not sure how they're getting such a low payment, but I'm not going to argue with it.

thekid96 · February 2015

Feb Numbers for RWD Base ? 12k/39 months

Michaell · February 2015

thekid96 said:
Feb Numbers for RWD Base ? 12k/39 months

.00025 MF and 57%

willyc1 · February 2015

Are there any competitive rates for a Q50 for 24 months /15k or is it still manly 39 months? Thanks!

Michaell · February 2015

willyc1 said:
Are there any competitive rates for a Q50 for 24 months /15k or is it still manly 39 months? Thanks!

MF is the same for 24, 36 or 39 month terms - .00025 for RWD and .00012 for AWD.

Which trim level are you interested in? RWD or AWD? Residuals vary.

ad10 · February 2015

Hi,
I have the following deal on a 2015 q50 s awd. Can the experts please help me out and let me know if it is a good deal. I really appreciate the help.
Q50 s awd with navigation and deluxe package.
MSRP 51260
selling price 45514
government fee 127
processing/doc fee 133
capitalized taxes 90
Acq Fee 700
Gross capitalized cost 46564
money factor .00012
residual 55%
with 1000 down which includes first month payment my monthly payment is 495 with tax. Plus he is writing me a check for 737 to get me out a month earlier on my bmw lease. Please let me know if this is a decent deal or if I should wait for another month after my bmw lease is over and negotiate another 700 off the selling price. Thanks a lot.

kyfdx · February 2015

ad10 said:
Hi,
I have the following deal on a 2015 q50 s awd. Can the experts please help me out and let me know if it is a good deal. I really appreciate the help.
Q50 s awd with navigation and deluxe package.
MSRP 51260
selling price 45514
government fee 127
processing/doc fee 133
capitalized taxes 90
Acq Fee 700
Gross capitalized cost 46564
money factor .00012
residual 55%
with 1000 down which includes first month payment my monthly payment is 495 with tax. Plus he is writing me a check for 737 to get me out a month earlier on my bmw lease. Please let me know if this is a decent deal or if I should wait for another month after my bmw lease is over and negotiate another 700 off the selling price. Thanks a lot.

If it were me, I'd wait another month... to save $20/mo.

ad10 · February 2015

They are saying that the 737 is not being added to the deal. The manager is saying that they got to move cars so that's why he is willing to pay 737. Without taking the 737 in effect do you think it's a good monthly payment with all the factors that I mentioned above? Thanks

ad10 · February 2015

Also I forgot to mention that lease is 12k miles for 39 months.

Michaell · February 2015

ad10 said:
They are saying that the 737 is not being added to the deal. The manager is saying that they got to move cars so that's why he is willing to pay 737. Without taking the 737 in effect do you think it's a good monthly payment with all the factors that I mentioned above? Thanks

ad10 said:
Also I forgot to mention that lease is 12k miles for 39 months.

With your numbers, I'm showing $480/mo before tax. Not sure I can explain the $15/mo delta to the quote from your dealer.

crcoop · February 2015

Above is an offer I got on a 2015 AWD Q50 with all packages.

There offer was 9.5% below MSRP, but I plan on negotiating down the price a bit more
However, the MF seems way high. My calculations are showing a MF of approx. .001 (2.38% APR). Can you please confirm? If I can't get the MF down any more, I plan on using MSDs to push the rate down.

Also, if I went with a 39 mo 10K lease, would the residual go up at all?

Thanks - I'll be sure to update with actuals.

safari · February 2015

Can someone tell me the residuals and money factors for 39 months/15K miles lease for each of the following?

2015 Q50 Premium RWD
2015 Q50 Premium AWD
2015 Q50S RWD
2015 Q50S AWD

Thanks in advance.

Michaell · February 2015

crcoop said:

Above is an offer I got on a 2015 AWD Q50 with all packages.

There offer was 9.5% below MSRP, but I plan on negotiating down the price a bit more
However, the MF seems way high. My calculations are showing a MF of approx. .001 (2.38% APR). Can you please confirm? If I can't get the MF down any more, I plan on using MSDs to push the rate down.

Also, if I went with a 39 mo 10K lease, would the residual go up at all?

Thanks - I'll be sure to update with actuals.

The base MF for the AWD Q50 is .00012, or .29%. Dealer is jacking that up on you considerably. With your MSRP and cap cost, I get a pre-tax payment of $500.41 (using 57% residual).

Add 1% to the 12k residual for 10K

Michaell · February 2015

safari said:
Can someone tell me the residuals and money factors for 39 months/15K miles lease for each of the following?

2015 Q50 Premium RWD
2015 Q50 Premium AWD
2015 Q50S RWD
2015 Q50S AWD

Thanks in advance.

.00025 and 53% for RWD

.00012 and 53% for AWD

safari · February 2015

Michaell said:

safari said:
Can someone tell me the residuals and money factors for 39 months/15K miles lease for each of the following?

2015 Q50 Premium RWD
2015 Q50 Premium AWD
2015 Q50S RWD
2015 Q50S AWD

Thanks in advance.
.00025 and 53% for RWD

.00012 and 53% for AWD

Thanks for the quick response! What about Q40 RWD and AWD for the same 39m/15K term?

Michaell · February 2015

safari said:

Michaell said:

safari said:
Can someone tell me the residuals and money factors for 39 months/15K miles lease for each of the following?

2015 Q50 Premium RWD
2015 Q50 Premium AWD
2015 Q50S RWD
2015 Q50S AWD

Thanks in advance.
.00025 and 53% for RWD

.00012 and 53% for AWD
Thanks for the quick response! What about Q40 RWD and AWD for the same 39m/15K term?

RWD - 52% and .00039

AWD - 51% and .00008

willyc1 · February 2015

Michaell said:

willyc1 said:
Are there any competitive rates for a Q50 for 24 months /15k or is it still manly 39 months? Thanks!
MF is the same for 24, 36 or 39 month terms - .00025 for RWD and .00012 for AWD.

Which trim level are you interested in? RWD or AWD? Residuals vary.

Sorry RWD.

kyfdx · February 2015

willyc1 said:

Michaell said:

willyc1 said:
Are there any competitive rates for a Q50 for 24 months /15k or is it still manly 39 months? Thanks!
MF is the same for 24, 36 or 39 month terms - .00025 for RWD and .00012 for AWD.

Which trim level are you interested in? RWD or AWD? Residuals vary.
Sorry RWD.

24 month residuals are non-competitive... 39 months is the only way to go.

.00025 MF and 53% residual for Premium or Sport, 39mo, 15K/yr

sylentlegend · February 2015

is this a good deal???

2015 Q50 Prem with AWD, Nav Pack, and Leather

Invoice$38,874 MSRP$41,400
KP Illuminated Kick Invoice$364 MSRP$440
LTH seat Invoice$930 MSRP$1000
NAV Pack Invoice$1302 MSRP$1400
Spare tire Invoice$186 MSRP$200
Dest Invoice$905 MSRP$905

Total Invoice$42,861 MSRP$45,745

SELLING Lease PRICE 39,821
DOWN PAYMENT $2500
39 mo TERM
12k MILEAGE ALLOWANCE
MONEY FACTOR 0-00012
RESIDUAL 55% for 12k miles and 56% for 10k miles
MONTHLY PAYMENT $378 for 12k miles or $366 -10k miles
LOCATION: buyer- Stockton, CA dealer- Elk Grove, CA

travispete1 · February 2015

Bottom line is that compared to Lexus Infiniti leases are horrible. The residuals kill the deal. I can lease a 57k gs for much less than a 48k q50.

kyfdx · February 2015

sylentlegend said:
is this a good deal???

2015 Q50 Prem with AWD, Nav Pack, and Leather

Invoice$38,874 MSRP$41,400
KP Illuminated Kick Invoice$364 MSRP$440
LTH seat Invoice$930 MSRP$1000
NAV Pack Invoice$1302 MSRP$1400
Spare tire Invoice$186 MSRP$200
Dest Invoice$905 MSRP$905

Total Invoice$42,861 MSRP$45,745

SELLING Lease PRICE 39,821
DOWN PAYMENT $2500
39 mo TERM
12k MILEAGE ALLOWANCE
MONEY FACTOR 0-00012
RESIDUAL 55% for 12k miles and 56% for 10k miles
MONTHLY PAYMENT $378 for 12k miles or $366 -10k miles
LOCATION: buyer- Stockton, CA dealer- Elk Grove, CA

Is $2500 the full amount due at signing, or is it a downpayment, with additional money needed?
Does that include California tax?

crcoop · February 2015

Michaell said:

crcoop said:

Above is an offer I got on a 2015 AWD Q50 with all packages.

There offer was 9.5% below MSRP, but I plan on negotiating down the price a bit more
However, the MF seems way high. My calculations are showing a MF of approx. .001 (2.38% APR). Can you please confirm? If I can't get the MF down any more, I plan on using MSDs to push the rate down.

Also, if I went with a 39 mo 10K lease, would the residual go up at all?

Thanks - I'll be sure to update with actuals.
The base MF for the AWD Q50 is .00012, or .29%. Dealer is jacking that up on you considerably. With your MSRP and cap cost, I get a pre-tax payment of $500.41 (using 57% residual).

Add 1% to the 12k residual for 10K

Decide to not go with the Tech package - So here is the offer that I made and the Sales Manager just accepted. think I got a pretty good deal.

MSRP: $49,250
Sales Price: $42,848
Down Payment (cap reduction): $0
Gov+Admin+Acquisition Fees (Paid upfront): $1,589
Capitalized Cost: $42,848
Residual Factor: 56%
Residual Value: $27,580
Money Factor: .00012 (.29%)
Lease Payment: $399.93
Taxes (9.85%): $39.39
Total Monthly: $439.32
Total Amount Owed: $17,133.42
Total Amount Due at walk off: $1,589+$439.32=$2,028

cardenash1 · February 2015

Hello I'm Looking to lease a Q50 AWD premium about 42,950mrsp. What is the money factor and residual on this and how can I calculate this on my own when i go back to the dealer ? Do you think 369 a month 10k 39month lease is a good deal with 1600 down ? Thanks

Michaell · February 2015

crcoop said:

Michaell said:

crcoop said:

Above is an offer I got on a 2015 AWD Q50 with all packages.

There offer was 9.5% below MSRP, but I plan on negotiating down the price a bit more
However, the MF seems way high. My calculations are showing a MF of approx. .001 (2.38% APR). Can you please confirm? If I can't get the MF down any more, I plan on using MSDs to push the rate down.

Also, if I went with a 39 mo 10K lease, would the residual go up at all?

Thanks - I'll be sure to update with actuals.
The base MF for the AWD Q50 is .00012, or .29%. Dealer is jacking that up on you considerably. With your MSRP and cap cost, I get a pre-tax payment of $500.41 (using 57% residual).

Add 1% to the 12k residual for 10K
Decide to not go with the Tech package - So here is the offer that I made and the Sales Manager just accepted. think I got a pretty good deal.

MSRP: $49,250
Sales Price: $42,848
Down Payment (cap reduction): $0
Gov+Admin+Acquisition Fees (Paid upfront): $1,589
Capitalized Cost: $42,848
Residual Factor: 56%
Residual Value: $27,580
Money Factor: .00012 (.29%)
Lease Payment: $399.93
Taxes (9.85%): $39.39
Total Monthly: $439.32
Total Amount Owed: $17,133.42
Total Amount Due at walk off: $1,589+$439.32=$2,028

I'd say so ... $439/mo for a car that stickers at $49K is a great deal. Enjoy!

Michaell · February 2015

cardenash1 said:
Hello I'm Looking to lease a Q50 AWD premium about 42,950mrsp. What is the money factor and residual on this and how can I calculate this on my own when i go back to the dealer ? Do you think 369 a month 10k 39month lease is a good deal with 1600 down ? Thanks

39/10 numbers - 56% and .00012.

Don't negotiate a payment, negotiate the best selling price you can. That will ensure you get the best payment with the base MF.

thekid96 · February 2015

Deal on the table:

Q50, Premium AWD 12k/39Mths

MSRP - $41,685
Sale Price - $35,906
Residual (55%)
Upfront = $2008 (fees, first month)
Monthly Payment - $350 (including tax)

Good deal? Seems like a good one. but I'd like to negotiate somewhere if i can.

Michaell · February 2015

thekid96 said:
Deal on the table:

Q50, Premium AWD 12k/39Mths

MSRP - $41,685
Sale Price - $35,906
Residual (55%)
Upfront = $2008 (fees, first month)
Monthly Payment - $350 (including tax)

Good deal? Seems like a good one. but I'd like to negotiate somewhere if i can.

I get $339.86/mo pre-tax, so $350 seems pretty good.

sylentlegend · February 2015

kyfdx said:

sylentlegend said:
is this a good deal???

2015 Q50 Prem with AWD, Nav Pack, and Leather

Invoice$38,874 MSRP$41,400
KP Illuminated Kick Invoice$364 MSRP$440
LTH seat Invoice$930 MSRP$1000
NAV Pack Invoice$1302 MSRP$1400
Spare tire Invoice$186 MSRP$200
Dest Invoice$905 MSRP$905

Total Invoice$42,861 MSRP$45,745

SELLING Lease PRICE 39,821
DOWN PAYMENT $2500
39 mo TERM
12k MILEAGE ALLOWANCE
MONEY FACTOR 0-00012
RESIDUAL 55% for 12k miles and 56% for 10k miles
MONTHLY PAYMENT $378 for 12k miles or $366 -10k miles
LOCATION: buyer- Stockton, CA dealer- Elk Grove, CA

Is $2500 the full amount due at signing, or is it a downpayment, with additional money needed?
Does that include California tax?

I was told this does include CA taxes. and it $2500 Down. I better double check this is the drive off for signing. Thoughts???

Michaell · February 2015

sylentlegend said:

kyfdx said:

sylentlegend said:
is this a good deal???

2015 Q50 Prem with AWD, Nav Pack, and Leather

Invoice$38,874 MSRP$41,400
KP Illuminated Kick Invoice$364 MSRP$440
LTH seat Invoice$930 MSRP$1000
NAV Pack Invoice$1302 MSRP$1400
Spare tire Invoice$186 MSRP$200
Dest Invoice$905 MSRP$905

Total Invoice$42,861 MSRP$45,745

SELLING Lease PRICE 39,821
DOWN PAYMENT $2500
39 mo TERM
12k MILEAGE ALLOWANCE
MONEY FACTOR 0-00012
RESIDUAL 55% for 12k miles and 56% for 10k miles
MONTHLY PAYMENT $378 for 12k miles or $366 -10k miles
LOCATION: buyer- Stockton, CA dealer- Elk Grove, CA

Is $2500 the full amount due at signing, or is it a downpayment, with additional money needed?
Does that include California tax?

I was told this does include CA taxes. and it $2500 Down. I better double check this is the drive off for signing. Thoughts???

Here's the problem ... $2500 down is not the same as $2500 due at signing. Due at signing is the total amount of fees, taxes and any cap cost reduction. $2500 down usually means $2500 cap cost reduction - the additional fees, etc, are added on top of that so your out of pocket works out to $3500-4000.

sylentlegend · February 2015

crcoop said:

Michaell said:

crcoop said:

Above is an offer I got on a 2015 AWD Q50 with all packages.

There offer was 9.5% below MSRP, but I plan on negotiating down the price a bit more
However, the MF seems way high. My calculations are showing a MF of approx. .001 (2.38% APR). Can you please confirm? If I can't get the MF down any more, I plan on using MSDs to push the rate down.

Also, if I went with a 39 mo 10K lease, would the residual go up at all?

Thanks - I'll be sure to update with actuals.
The base MF for the AWD Q50 is .00012, or .29%. Dealer is jacking that up on you considerably. With your MSRP and cap cost, I get a pre-tax payment of $500.41 (using 57% residual).

Add 1% to the 12k residual for 10K
Decide to not go with the Tech package - So here is the offer that I made and the Sales Manager just accepted. think I got a pretty good deal.

MSRP: $49,250
Sales Price: $42,848
Down Payment (cap reduction): $0
Gov+Admin+Acquisition Fees (Paid upfront): $1,589
Capitalized Cost: $42,848
Residual Factor: 56%
Residual Value: $27,580
Money Factor: .00012 (.29%)
Lease Payment: $399.93
Taxes (9.85%): $39.39
Total Monthly: $439.32
Total Amount Owed: $17,133.42
Total Amount Due at walk off: $1,589+$439.32=$2,028

Does this include the SPorts and Navation package too?

kingpcgeek · February 2015

I never see it here so I thought I would bring it up. For those of you that insist on putting money down in Cap Cost Reduction to lower you payment don't do it! Instead put the money in Multiple Security Deposits (MSD). You lower the money factor (interest rate) on your lease and you get the money back at the end of the lease. Many dealers don't know about it. I had to train my finance guy as to what it is and how it works.

On my last lease I did the maximum amount of MSDs which is 9. Every MSD you do drops the money factor by .0001 and is equal to your base payment rounded up to the nearest $50.. My base payment before the MSDs was $419. Round up to the nearest 50 is $450. I did 9 of them so I gave Infiniti a deposit of $4050. By doing that I lowered my money factor from .00105 to .00015. By doing this my base payment + tax went from $453 to $382. Saving are $71 per month or $2,772 over the length of the lease. So net effect I put $4,050 in the bank of Infiniti and get a return of $2,772 in 39 months. Try that at a bank or by putting $4,050 in cap cost reduction.

sylentlegend · February 2015

Michaell said:

sylentlegend said:

kyfdx said:

sylentlegend said:
is this a good deal???

2015 Q50 Prem with AWD, Nav Pack, and Leather

Invoice$38,874 MSRP$41,400
KP Illuminated Kick Invoice$364 MSRP$440
LTH seat Invoice$930 MSRP$1000
NAV Pack Invoice$1302 MSRP$1400
Spare tire Invoice$186 MSRP$200
Dest Invoice$905 MSRP$905

Total Invoice$42,861 MSRP$45,745

SELLING Lease PRICE 39,821
DOWN PAYMENT $2500
39 mo TERM
12k MILEAGE ALLOWANCE
MONEY FACTOR 0-00012
RESIDUAL 55% for 12k miles and 56% for 10k miles
MONTHLY PAYMENT $378 for 12k miles or $366 -10k miles
LOCATION: buyer- Stockton, CA dealer- Elk Grove, CA

Is $2500 the full amount due at signing, or is it a downpayment, with additional money needed?
Does that include California tax?

I was told this does include CA taxes. and it $2500 Down. I better double check this is the drive off for signing. Thoughts???
Here's the problem ... $2500 down is not the same as $2500 due at signing. Due at signing is the total amount of fees, taxes and any cap cost reduction. $2500 down usually means $2500 cap cost reduction - the additional fees, etc, are added on top of that so your out of pocket works out to $3500-4000.

THANK YOU! I am waiting on an anwer from the Dealership.

njk2727 · February 2015

I am interested in leasing a Q50 AWD S MSRP of approximately $52k. I got a price quote of $860 up front and $560 a month for 39 months 15k miles per year tax in. (8% tax) Is $450 a month possible with no more than $750 up front? What do you think is the best possible lease payment I can get given the current incentives and msrp? Thanks in advance.

safari · February 2015

Here is the deal I was offered. Seems pretty good to me. They wouldn't go any lower.

2015 Q50S (navigation, deluxe touring, illuminated kick plates, spare tire)
MSRP: $49,695
Factory Invoice: $46,535
Sale Price: $42,800
Cap Cost: $43,500 (Sale Price + $700 Acquisition Fee)
Lease Term: 39/15K
Residual: 53%
Money Factor: 0.00025
Downpayment: $0
Base Monthly Payment: $457.50
Monthly Tax: $41.18
Total Monthly Payment: $498.68
Total Due at Signing: $982.63 (includes first month payment, license, registration and documentation fees)

Thoughts?

Michaell · February 2015

njk2727 said:
I am interested in leasing a Q50 AWD S MSRP of approximately $52k. I got a price quote of $860 up front and $560 a month for 39 months 15k miles per year tax in. (8% tax) Is $450 a month possible with no more than $750 up front? What do you think is the best possible lease payment I can get given the current incentives and msrp? Thanks in advance.

Don't negotiate the payment; negotiate the best selling price and make sure that the dealer isn't marking up the money factor on you.

$450/mo for a car that stickers at $52K may be a stretch, but I've seen some pretty incredible Infiniti lease deals.

Use the "Car Research" tab to link to current incentives.

njk2727 · February 2015

So what are current lease incentives with loyalty included?

Michaell · February 2015

njk2727 said:
So what are current lease incentives with loyalty included?

I don't have any information on customer incentives; use the link from my previous post.

sylentlegend · February 2015

What is the MF and RV on an 2015-q50 AWD premium 39mo with 10k and also 12k?

kyfdx · February 2015

sylentlegend said:
What is the MF and RV on an 2015-q50 AWD premium 39mo with 10k and also 12k?

.00012 MF and 56%/55% residual.

ad10 · February 2015

Hi,
I went to a different dealer, and I got a better deal. Can you guys let me know if this is a good deal?
Q50 sport with navigation package and deluxe touring package.
MSRP 52130
Selling Price 44169.90
Government Fees 115.15
Doc Fees 133
capitalized taxes 60.50
acquisition fee 700
gross cap cost 45915.55
Cash down is 550
net cap cost 45365.55
my payment comes to 476/ month which includes 9% pa taxes.
since all the fees are rolled in the payment all I have to pay at signing is the first month payment and the 550. I think it's a good deal, but pls let me know what you guys think. Thanks a lot.

ad10 · February 2015

The money factor used is .00012 and residual is 55%.

Michaell · February 2015

ad10 said:
Hi,
I went to a different dealer, and I got a better deal. Can you guys let me know if this is a good deal?
Q50 sport with navigation package and deluxe touring package.
MSRP 52130
Selling Price 44169.90
Government Fees 115.15
Doc Fees 133
capitalized taxes 60.50
acquisition fee 700
gross cap cost 45915.55
Cash down is 550
net cap cost 45365.55
my payment comes to 476/ month which includes 9% pa taxes.
since all the fees are rolled in the payment all I have to pay at signing is the first month payment and the 550. I think it's a good deal, but pls let me know what you guys think. Thanks a lot.

ad10 said:
The money factor used is .00012 and residual is 55%.

I'm showing the same $476.27/mo for 39 months. The only way to reduce the payment at this point is to negotiate a lower selling price or put money down. But we don't recommend putting money down - if the car is stolen or totaled, you lose that money.

njk2727 · February 2015

What are your thoughts on using MSD's to bring payment down? Pros/ Cons?

Michaell · February 2015

njk2727 said:
What are your thoughts on using MSD's to bring payment down? Pros/ Cons?

Infiniti doesn't offer a program for MSD's - the base MF is so low to begin with ....

kyfdx · February 2015

Michaell said:

njk2727 said:
What are your thoughts on using MSD's to bring payment down? Pros/ Cons?
Infiniti doesn't offer a program for MSD's - the base MF is so low to begin with ....

Actually, Infiniti does have an MSD program...

But, since the base is .00012, you could only make one MSD.. to take the MF down to .00002. That would save you around $7/mo.+tax.. Worth doing, but a minor savings..

Michaell · February 2015

kyfdx said:

Michaell said:

njk2727 said:
What are your thoughts on using MSD's to bring payment down? Pros/ Cons?
Infiniti doesn't offer a program for MSD's - the base MF is so low to begin with ....

Actually, Infiniti does have an MSD program...

But, since the base is .00012, you could only make one MSD.. to take the MF down to .00002. That would save you around $7/mo.+tax.. Worth doing, but a minor savings..

I stand corrected ... thanks!

kingpcgeek · February 2015

On my current lease I did the maximum amount of MSDs which is 9. Every MSD you do drops the money factor by .0001 and is equal to your base payment rounded up to the nearest $50.. My base payment before the MSDs was $419. Round up to the nearest 50 is $450. I did 9 of them so I gave Infiniti a deposit of $4050. By doing that I lowered my money factor from .00105 to .00015. By doing this my base payment + tax went from $453 to $382. Saving are $71 per month or $2,772 over the length of the lease. So net effect I put $4,050 in the bank of Infiniti and get a return of $2,772 in 39 months. Try that at a bank or by putting $4,050 in cap cost reduction.

kyfdx · February 2015

Yes.. Infiniti has the best MSD program. On my Infiniti lease (ended in October 2014), I did 9 MSDS, taking my .00091 money factor down to .00001. I had the same $4050 deposit.. with similar savings.

safari · February 2015

Agree with the others in regards to MSD. Everyone should be doing that. You're essentially getting an interest-free lease in exchange for a fully refundable security deposit.

ad10 · February 2015

Thanks you very much for your response Michael. I am already getting 7k off MSRP due to incentives. You probably see or hear about lot of deals and payments other are paying for this car and model.Does this payment and the deal I am getting seem like a good deal?

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