Hello! I am looking at a new 340i xDrive and was hoping you could please provide the MF and Residuals for: - 3 years/12k miles - 4 years/12k miles
I have not looked into leasing BMW before, so if there's a preferred lease term (to take advantage of certain promotional MF's, etc., please let me know.
Hello! I am looking at a new 340i xDrive and was hoping you could please provide the MF and Residuals for: - 3 years/12k miles - 4 years/12k miles
I have not looked into leasing BMW before, so if there's a preferred lease term (to take advantage of certain promotional MF's, etc., please let me know.
Thank you! -Mike
36/12 is the sweet spot; 48 month terms are lousy for BMW.
Not sure what you mean by adjusted cap cost, this is what the dealer sent me:
If I add the $925 acq.fee, then subtract the $1500 rebate, I get an adjusted CAP cost of $40,354, and a payment of $427/mo.+tax.
You see how I got the adjusted CAP cost? Now, ask them for their adjusted CAP cost, and if it's different, ask them to reconcile it to the selling price.
Deal offered to me today for a 340i with technology/lighting/driver assistance packages in Mountain View, CA
Vehicle Price: $53,245 Invoice to Dealer: $49,685 Final Price: $49,185
$6000 down, $588/mo .00175 money factor Residual: $32,479.45 10,000 miles...and I need 15,000
I have perfect credit...don't think this deal is where I want it to be. They may be willing to buy me out of my existing lease (not a BMW), which would take me out of my final $487 payment and any lease return costs, which is a nice plus.
Deal offered to me today for a 340i with technology/lighting/driver assistance packages in Mountain View, CA
Vehicle Price: $53,245 Invoice to Dealer: $49,685 Final Price: $49,185
$6000 down, $588/mo .00175 money factor Residual: $32,479.45 10,000 miles...and I need 15,000
I have perfect credit...don't think this deal is where I want it to be. They may be willing to buy me out of my existing lease (not a BMW), which would take me out of my final $487 payment and any lease return costs, which is a nice plus.
Advice?
Run, don't walk from that dealer. Money factor is inflated -- should be .00135. Selling price should shoot for is invoice MINUS incentives and typically the invoice is 7% below the MSRP. Might be tougher to get on the new model but still, should try.
Should be low 6ish with 0 down, tax, bank fee included.
Deal offered to me today for a 340i with technology/lighting/driver assistance packages in Mountain View, CA
Vehicle Price: $53,245
Invoice to Dealer: $49,685
Final Price: $49,185
$6000 down, $588/mo
.00175 money factor
Residual: $32,479.45
10,000 miles...and I need 15,000
I have perfect credit...don't think this deal is where I want it to be. They may be willing to buy me out of my existing lease (not a BMW), which would take me out of my final $487 payment and any lease return costs, which is a nice plus.
Advice?
Run, don't walk from that dealer. Money factor is inflated -- should be .00135. Selling price should shoot for is invoice MINUS incentives and typically the invoice is 7% below the MSRP. Might be tougher to get on the new model but still, should try.
What he said, but I will also add that going from 10,000 miles to 15,000 miles a year will add about $40 a month to your payment
Deal offered to me today for a 340i with technology/lighting/driver assistance packages in Mountain View, CA
Vehicle Price: $53,245 Invoice to Dealer: $49,685 Final Price: $49,185
$6000 down, $588/mo .00175 money factor Residual: $32,479.45 10,000 miles...and I need 15,000
I have perfect credit...don't think this deal is where I want it to be. They may be willing to buy me out of my existing lease (not a BMW), which would take me out of my final $487 payment and any lease return costs, which is a nice plus.
Advice?
Run, don't walk from that dealer. Money factor is inflated -- should be .00135. Selling price should shoot for is invoice MINUS incentives and typically the invoice is 7% below the MSRP. Might be tougher to get on the new model but still, should try.
Should be low 6ish with 0 down, tax, bank fee included.
How do folks walk in and say "I don't want to put any money down" when they have specifically designed lease packages for each model? Do you essentially throw your good credit at them and say "take it or leave it?"
Deal offered to me today for a 340i with technology/lighting/driver assistance packages in Mountain View, CA
Vehicle Price: $53,245 Invoice to Dealer: $49,685 Final Price: $49,185
$6000 down, $588/mo .00175 money factor Residual: $32,479.45 10,000 miles...and I need 15,000
I have perfect credit...don't think this deal is where I want it to be. They may be willing to buy me out of my existing lease (not a BMW), which would take me out of my final $487 payment and any lease return costs, which is a nice plus.
Advice?
Run, don't walk from that dealer. Money factor is inflated -- should be .00135. Selling price should shoot for is invoice MINUS incentives and typically the invoice is 7% below the MSRP. Might be tougher to get on the new model but still, should try.
Should be low 6ish with 0 down, tax, bank fee included.
How do folks walk in and say "I don't want to put any money down" when they have specifically designed lease packages for each model? Do you essentially throw your good credit at them and say "take it or leave it?"
The seller today made it clear to point out there's no incentives right now on the 340i...
Everyone on the planet is in agreement that putting down a cap cost reduction is a bad idea always. You pay nothing less you just pay it sooner. If the car is stolen or totaled you lose that money. Better to hold the money you'd put down and dribble it out.
As far as incentives, the seller is lying. Car salesmen do that sometimes.
Deal offered to me today for a 340i with technology/lighting/driver assistance packages in Mountain View, CA
Vehicle Price: $53,245 Invoice to Dealer: $49,685 Final Price: $49,185
$6000 down, $588/mo .00175 money factor Residual: $32,479.45 10,000 miles...and I need 15,000
I have perfect credit...don't think this deal is where I want it to be. They may be willing to buy me out of my existing lease (not a BMW), which would take me out of my final $487 payment and any lease return costs, which is a nice plus.
Advice?
.00135 MF and 58% residual. $1500 lease credit.
Your price isn't bad. It's about $1100 over (invoice minus lease credit).
But, as noted, money factor is marked up from the base, and they are quoting you a mileage allowance that doesn't meet your needs.
Let's assume that extra costs over the selling price are $925 for acquisition fee + $600 for title/license/doc fee. That gives a CAP cost of $50,710. That would result in a payment of $616/mo./+tax, with only first payment due at signing.
If tax is 8.5%, that's $668/mo., with $668 upfront. (and, that's for 36mo, 15K/yr)
Shop around... .insist on the base MF (that will weed out a lot of dealers), and always ask for a quote with just the first payment due at signing. That will make it easy to compare, and you shouldn't be putting $6K upfront on a lease, anyway.
Was just given another offer from a different dealer online, after telling him I wasn't happy with the deal I previously posted here.
$58025 MSRP, $55495 cap cost, 61% residual $574.65/mo + tax (~$626), 10k miles Unfortunately...6k down
Didn't get a money factor but had told him I expected .00135 based on my credit.
What is it with the $6K down requirement? I would expect around $2K to cover the up front costs (acquisition fee, dealer fee, first payment, DMV costs).
Using the .00135 MF with the other information you've provided, I get $681/mo + tax.
Every $1000 of cap cost reduction would take about $28/mo off that payment.
Was just given another offer from a different dealer online, after telling him I wasn't happy with the deal I previously posted here.
$58025 MSRP, $55495 cap cost, 61% residual $574.65/mo + tax (~$626), 10k miles Unfortunately...6k down
Didn't get a money factor but had told him I expected .00135 based on my credit.
What is it with the $6K down requirement? I would expect around $2K to cover the up front costs (acquisition fee, dealer fee, first payment, DMV costs).
Using the .00135 MF with the other information you've provided, I get $681/mo + tax.
Every $1000 of cap cost reduction would take about $28/mo off that payment.
Thanks for your help Michaell!
I'm not sure why such a large deposit is being asked...but I'm not going to cave to it. When I responded asking to to increase the mileage to 15k and reducing the drive off (to their current $4404 lease offer), the payment quoted changed $706.
And to get where I wanna be, around $600/mo, he's quoting me $7102 drive off, and instead, suggested a multiple security deposit.
And I have found the exact deal I wanted....$2300 drive off, $575/mo, 15k miles, 58% residual, .00115 MF (additional corporate discount given to employees of where I work), and a fantastic price on a 340i with Msport, technology and driver assistance packages.
And I have found the exact deal I wanted....$2300 drive off, $575/mo, 15k miles, 58% residual, .00115 MF (additional corporate discount given to employees of where I work), and a fantastic price on a 340i with Msport, technology and driver assistance packages.
And I have found the exact deal I wanted....$2300 drive off, $575/mo, 15k miles, 58% residual, .00115 MF (additional corporate discount given to employees of where I work), and a fantastic price on a 340i with Msport, technology and driver assistance packages.
I ordered my car in february and plan to take delivery late march or early april.
How does it work if incentives/rebates disappear that existed in february? Does the dealer still honor the deal I was given?
How does it work if incentives/rebates are better when i actually take delivery? Does the dealer apply the better incentives/rebates and give me a better price? Or am I locked into the higher price?
I ordered my car in february and plan to take delivery late march or early april.
How does it work if incentives/rebates disappear that existed in february? Does the dealer still honor the deal I was given?
How does it work if incentives/rebates are better when i actually take delivery? Does the dealer apply the better incentives/rebates and give me a better price? Or am I locked into the higher price?
It is our understanding that you can use the numbers when the car was ordered or when you take delivery, but you have to take all the numbers - MF, residual and incentives.
I ordered my car in february and plan to take delivery late march or early april.
How does it work if incentives/rebates disappear that existed in february? Does the dealer still honor the deal I was given?
How does it work if incentives/rebates are better when i actually take delivery? Does the dealer apply the better incentives/rebates and give me a better price? Or am I locked into the higher price?
It is our understanding that you can use the numbers when the car was ordered or when you take delivery, but you have to take all the numbers - MF, residual and incentives.
So if i'm understanding you correctly, I will get the best deal no matter what?
In other words, if February (MF, residual, incentives) gives me the best deal, I sign under those numbers.
If March/April (new MF, new residual, new incentives) gives me the best deal, I can sign under those numbers.
(Sorry if i'm beating a dead horse, I just want to be 110% clear on this... super nervous but excited to get my new car!!)
I know this is the 2016 thread, but would anyone know if I can still get the 2015 BMW 328i xDrive AWD lease numbers for 36 month/12k year and 36 month/15k year? The 2015 thread is closed.
I was told 15k/year money factor is 0.00175 with 55%. Does this sound correct?
I ordered my car in february and plan to take delivery late march or early april.
How does it work if incentives/rebates disappear that existed in february? Does the dealer still honor the deal I was given?
How does it work if incentives/rebates are better when i actually take delivery? Does the dealer apply the better incentives/rebates and give me a better price? Or am I locked into the higher price?
It is our understanding that you can use the numbers when the car was ordered or when you take delivery, but you have to take all the numbers - MF, residual and incentives.
So if i'm understanding you correctly, I will get the best deal no matter what?
In other words, if February (MF, residual, incentives) gives me the best deal, I sign under those numbers.
If March/April (new MF, new residual, new incentives) gives me the best deal, I can sign under those numbers.
(Sorry if i'm beating a dead horse, I just want to be 110% clear on this... super nervous but excited to get my new car!!)
No.. you won't get the best deal, no matter what. Make sure you've negotiated the base rates, and then get it in writing that they will give you the base rates when the car arrives. BMWFS allows this, but the dealer doesn't have to change anything, if they don't wish
I know this is the 2016 thread, but would anyone know if I can still get the 2015 BMW 328i xDrive AWD lease numbers for 36 month/12k year and 36 month/15k year? The 2015 thread is closed.
I was told 15k/year money factor is 0.00175 with 55%. Does this sound correct?
Hello all, Never leased before hoping to pull the trigger tomorrow. Having read the posts on here re; negotiating lease I have come up with the following for a demo (4k miles) 2016 328i X Drive 36/10 in Illinois. Can someone please let me know if this looks to be a good deal on 1.Negotiated price 2.My calculations leading to expected monthly payment 3.Should I be expectng any other 'fees' than disposition fee ($350), Fees and Insurance ($390.27), first month upfront ($495.80)? Many thanks in advance for your help.
MSRP $46,396 Negotiated Price $41,549 Trade In Credit $0 Down Payment $0 Money Factor 0.00135 Lease Term (months) 36 Residual Value 61% Dupage County Sales Tax 7.25%
Car Worth At End Of Lease $28,301.56 How Much Of Car's Value Will Be Using $13,247.44 Month Lease Payment Before Interest and Tax $367.98 Interest Per Month $94.30 Monthly Lease Payment Before Tax $462.28 Dupage County Sales Tax $33.52 TOTAL MONTHLY CAR LEASE PAYMENT $495.80
Hello all, Never leased before hoping to pull the trigger tomorrow. Having read the posts on here re; negotiating lease I have come up with the following for a demo (4k miles) 2016 328i X Drive 36/10 in Illinois. Can someone please let me know if this looks to be a good deal on 1.Negotiated price 2.My calculations leading to expected monthly payment 3.Should I be expectng any other 'fees' than disposition fee ($350), Fees and Insurance ($390.27), first month upfront ($495.80)? Many thanks in advance for your help.
MSRP $46,396 Negotiated Price $41,549 Trade In Credit $0 Down Payment $0 Money Factor 0.00135 Lease Term (months) 36 Residual Value 61% Dupage County Sales Tax 7.25%
Car Worth At End Of Lease $28,301.56 How Much Of Car's Value Will Be Using $13,247.44 Month Lease Payment Before Interest and Tax $367.98 Interest Per Month $94.30 Monthly Lease Payment Before Tax $462.28 Dupage County Sales Tax $33.52 TOTAL MONTHLY CAR LEASE PAYMENT $495.80
My calculations are exactly the same, to the penny.
Only way to lower the payment is to get a better selling price or use MSD to buy down the MF.
That said, the residual should be adjusted down for the miles on the car - probably at .20/mile, or $800. This will add about $22 to the pre-tax payment.
To compensate, try to negotiate a better selling price as well.
Deal offered to me yesterday on 2016 435 Gran Coupe in NY Vehicle MSRP $60,195 Net Price 54,050 ($55,550 selling price less $1500 BMW Lease Credit) plus Bank Fee $925 Residual: $36,117 (60%) 36 months, 10,000 miles Money Factor .00135 No Money Down, NYS Sales tax rate 8.625% Monthly payment per Dealer: $733.
I calculate the payment to be $703 (includes sales tax of $56). Can someone confirm my calculation and share comments on deal? Lastly, dealer stated that standard MF is .0015, but reduced to .00135 for excellent credit. Is this accurate or can MF be improved further?
Deal offered to me yesterday on 2016 435 Gran Coupe in NY Vehicle MSRP $60,195 Net Price 54,050 ($55,550 selling price less $1500 BMW Lease Credit) plus Bank Fee $925 Residual: $36,117 (60%) 36 months, 10,000 miles Money Factor .00135 No Money Down, NYS Sales tax rate 8.625% Monthly payment per Dealer: $733.
I calculate the payment to be $703 (includes sales tax of $56). Can someone confirm my calculation and share comments on deal? Lastly, dealer stated that standard MF is .0015, but reduced to .00135 for excellent credit. Is this accurate or can MF be improved further?
Thanks in advance.
I'm getting the same payment you do .. ask the dealer for the adjusted cap cost. If it's different than the net sales price of $54,975, find out what's been added.
Can I get the MF and residual for: 2016 328i xdrive & 328d xdrive 36/15 36/12
Also, what is the "sweet spot" for good lease terms? We have excellent credit -- and judging from what I've read it seems like 36 months is the best term. Please correct me if I'm missing something. We're going to go shopping in the KCMO/ STL areas soon to find a well optioned 328, where we can get the price below MSRP, then approach the leasing bit..
Comments
- 3 years/12k miles
- 4 years/12k miles
I have not looked into leasing BMW before, so if there's a preferred lease term (to take advantage of certain promotional MF's, etc., please let me know.
Thank you!
-Mike
.00135 and 60%. $1500 lease credit.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Anyone know the the residuals for:
340i @ 24/10
M3 @ 24/10
M3 @ 36/10
Thanks!
340i @ 24/10 - 67%
M3 @ 24/10 - 67%
M3 @ 36/10 - 61%
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Would you please provide the MF and residual for Texas on new 2016 328i SULEV / 10K per year and incentives/rebates/credits for a returning BMW owner?
Thanks in advance.
No info on loyalty incentives.
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MSRP: $44,395
Sale Price: $40,930
Acquisition Fee: $925
36 MO/ 10k/year
Residual: 61%
MF: 0.00086
Cap Reduction: $1,500 (March leasing rebate)
Drive Off Fees: $4,323 ($3500 security deposit and first month payment included)
Monthly: $469 (tax included)
Thoughts on deal? Thanks.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
You see how I got the adjusted CAP cost? Now, ask them for their adjusted CAP cost, and if it's different, ask them to reconcile it to the selling price.
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Just checking on this deal I received and to verify the MF / residual for Southern California, March.
BMW 340i
36 mo / 15,000 mi
MSRP 56,415.00
Sales price 51619.23
Acquisition Fee 925
Cap Cost reduction 2500 ; 1500.00 (lease incentive) + 1000.00 (loyalty)
Money factor .00135 Residual 58%
Due at signing $788
Monthly payment $682
Dealer also agreed to pay last payment on current lease as well as absorb turn in fees of $1450 (I had some damage to bumper and rims)
Thanks !
I confirm the MF and residual.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
MF: 0.00155 Residual: 58% Tax: 7.25
Current deal that I got from my dealer is $661.93/month (is this reasonable?)
Here's their breakdown:
You might try for more of a discount from sticker.
What state is this?
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
MSRP: 52675.00
Neg price: 46287
Residual: 61% Illinois
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
Vehicle Price: $53,245
Invoice to Dealer: $49,685
Final Price: $49,185
$6000 down, $588/mo
.00175 money factor
Residual: $32,479.45
10,000 miles...and I need 15,000
I have perfect credit...don't think this deal is where I want it to be. They may be willing to buy me out of my existing lease (not a BMW), which would take me out of my final $487 payment and any lease return costs, which is a nice plus.
Advice?
Should be low 6ish with 0 down, tax, bank fee included.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
For example, on the 340i, BMW is advertising a $479 lease on what's basically a base model 340i:
http://www.bmwusa.com/bmw/special-offers/lease/2016-340i-Sedan
The seller today made it clear to point out there's no incentives right now on the 340i...
As far as incentives, the seller is lying. Car salesmen do that sometimes.
Look at BMW's web site:
Included In Payment:
$1,500 Lease Credit
That's an "incentive."
Your price isn't bad. It's about $1100 over (invoice minus lease credit).
But, as noted, money factor is marked up from the base, and they are quoting you a mileage allowance that doesn't meet your needs.
Let's assume that extra costs over the selling price are $925 for acquisition fee + $600 for title/license/doc fee.
That gives a CAP cost of $50,710. That would result in a payment of $616/mo./+tax, with only first payment due at signing.
If tax is 8.5%, that's $668/mo., with $668 upfront. (and, that's for 36mo, 15K/yr)
Shop around... .insist on the base MF (that will weed out a lot of dealers), and always ask for a quote with just the first payment due at signing. That will make it easy to compare, and you shouldn't be putting $6K upfront on a lease, anyway.
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$58025 MSRP, $55495 cap cost, 61% residual
$574.65/mo + tax (~$626), 10k miles
Unfortunately...6k down
Didn't get a money factor but had told him I expected .00135 based on my credit.
Using the .00135 MF with the other information you've provided, I get $681/mo + tax.
Every $1000 of cap cost reduction would take about $28/mo off that payment.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
I'm not sure why such a large deposit is being asked...but I'm not going to cave to it. When I responded asking to to increase the mileage to 15k and reducing the drive off (to their current $4404 lease offer), the payment quoted changed $706.
And to get where I wanna be, around $600/mo, he's quoting me $7102 drive off, and instead, suggested a multiple security deposit.
SOLD.
Thanks for your help guys!
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
How does it work if incentives/rebates disappear that existed in february? Does the dealer still honor the deal I was given?
How does it work if incentives/rebates are better when i actually take delivery? Does the dealer apply the better incentives/rebates and give me a better price? Or am I locked into the higher price?
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In other words, if February (MF, residual, incentives) gives me the best deal, I sign under those numbers.
If March/April (new MF, new residual, new incentives) gives me the best deal, I can sign under those numbers.
(Sorry if i'm beating a dead horse, I just want to be 110% clear on this... super nervous but excited to get my new car!!)
I know this is the 2016 thread, but would anyone know if I can still get the 2015 BMW 328i xDrive AWD lease numbers for 36 month/12k year and 36 month/15k year? The 2015 thread is closed.
I was told 15k/year money factor is 0.00175 with 55%. Does this sound correct?
I'm in california if that matters.
Thanks!
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http://forums.edmunds.com/discussion/31803/bmw/3-series/2015-bmw-3-series-lease-questions#latest
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Never leased before hoping to pull the trigger tomorrow. Having read the posts on here re; negotiating lease I have come up with the following for a demo (4k miles) 2016 328i X Drive 36/10 in Illinois. Can someone please let me know if this looks to be a good deal on 1.Negotiated price 2.My calculations leading to expected monthly payment 3.Should I be expectng any other 'fees' than disposition fee ($350), Fees and Insurance ($390.27), first month upfront ($495.80)?
Many thanks in advance for your help.
MSRP $46,396
Negotiated Price $41,549
Trade In Credit $0
Down Payment $0
Money Factor 0.00135
Lease Term (months) 36
Residual Value 61%
Dupage County Sales Tax 7.25%
Car Worth At End Of Lease $28,301.56
How Much Of Car's Value Will Be Using $13,247.44
Month Lease Payment Before Interest and Tax $367.98
Interest Per Month $94.30
Monthly Lease Payment Before Tax $462.28
Dupage County Sales Tax $33.52
TOTAL MONTHLY CAR LEASE PAYMENT $495.80
Only way to lower the payment is to get a better selling price or use MSD to buy down the MF.
That said, the residual should be adjusted down for the miles on the car - probably at .20/mile, or $800. This will add about $22 to the pre-tax payment.
To compensate, try to negotiate a better selling price as well.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
MSRP: 35,140
selling price: 31,532
thank you in advance!
Adding the $925 acquisition fee to the selling price, gives $388/mo.+tax
BMW does offer longer lease terms, but the variables aren't as good, and the payments are higher.
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Vehicle MSRP $60,195
Net Price 54,050 ($55,550 selling price less $1500 BMW Lease Credit) plus Bank Fee $925
Residual: $36,117 (60%) 36 months, 10,000 miles
Money Factor .00135
No Money Down, NYS Sales tax rate 8.625%
Monthly payment per Dealer: $733.
I calculate the payment to be $703 (includes sales tax of $56). Can someone confirm my calculation and share comments on deal? Lastly, dealer stated that standard MF is .0015, but reduced to .00135 for excellent credit. Is this accurate or can MF be improved further?
Thanks in advance.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
When I ordered in february, my numbers were (for 36m/15k):
MF: 0.00132
Residual: 60%
With a $1000 option credit.
Now for March it is
MF: 0.00135
Residual: 58%
With a $1500 lease credit.
I see the MF went up by 0.00003 and residual dropped by 2%... however there is $500 extra incentive.
At a glance, it appears I should stick with my February numbers when I sign the deal right? Over 3 years I imagine i'll save more than $500 bucks.
My car should be delivered last week of March or first week of April.
Might be best to stick with the February numbers; I can't imagine things changing that much to materially impact the lease payment.
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2015 Subaru Outback 3.6R / 2024 Kia Sportage Hybrid SX Prestige
(rwd not xdrive)
thanks!
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2016 328i xdrive & 328d xdrive
36/15
36/12
Also, what is the "sweet spot" for good lease terms? We have excellent credit -- and judging from what I've read it seems like 36 months is the best term. Please correct me if I'm missing something. We're going to go shopping in the KCMO/ STL areas soon to find a well optioned 328, where we can get the price below MSRP, then approach the leasing bit..