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BMW is incentivizing the 39 month term over the 36 month term, this month. 36 months would be $50/mo+tax more.
If you make 7 MSDs, your money factor would be .00081 and the payment would drop by $39/mo+tax.
Your discount is about 4% from MSRP. It's possible you could push the sales price down another $1000, but maybe not. The M235i is a popular car, and you are fortunate to find a dealer that isn't marking up the money factor. Each $1000 cheaper takes $27/mo.+tax off the payment.
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.00130 MF and 59% residual
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Most dealers will try to mark up the money factor.. Some dealers won't make a deal, otherwise. I don't consider that reasonable.
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I start with the assumption of the base money factor.. Then, make my decisions on price. On a more popular car, you may pay more for it..
I've found that BMW dealers that won't agree to the base rate, also tend to be less transparent about the rest of the deal. So, if I can't get the first part nailed down, I don't bother with them.
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You may have misunderstood my earlier reply ... the 39/10 residual is 60%, the 36/10 residual is 59%. BMW is pushing the 39 month terms in February.
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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
Dealer wants $2000 down for first month lease payment, document fee $799 and tags and what not.
Payment after 7% Florida tax is around $521 for 39 months, 10,000 miles per year.
Is this a good deal? Thanks!
I'm getting a cap cost of $41,250 to get a $521/mo payment after tax.
What was the final net cap cost? You should be shooting for 5-7% off sticker as a starting point.
That dealer fee of $799 is a bit outrageous.
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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
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
The portion that is higher because of the lower credit tier, all goes to the bank.
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Just today, they reconsidered and offered me either $1209 off the $2000 down, around $791 down instead OR keep the $2000 down originally requested and have my monthly payments lowered by $31 a month to $490.
Which is better for me to do? Less of a down payment ($1209 less) or less of a monthly payment for 39 months($31 less a month for 39 months). Or doesn't it matter?
Thank you!!
Since the total cash outlay is the same either way, in the end it doesn't matter and is your preference.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
The dealer lowered the purchase price off of MSRP a total of 7.7% on the 2015 228i Coupe I wanted to order.
Because of that and figuring in the $500 rebate from BMWCCA bringing the discount from MSRP to almost $4000 (8.8% off), along with the four year free maintenance and warranty, I decided to buy the car rather than lease it.
Thanks for your input Michael in giving me a more realistic expectation of the price I should pay for this vehicle!
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Thank you for the confidence booster!!!
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.00129 MF and 62%/61% residual for 36 months..
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Looking at a 2015 m235i xdrive , 10k/36mo please, thank you
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