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I've got the cargo blocks in my Jetta. Agreed that they are more useful that I first thought.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
36 month/ 12K
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
$400 lease cash
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$400 lease cash
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Thank you!
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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
48/12 - .00232 and 55%
Add 1% for 10K
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
what would be the RV and MF for atlas SE in Miami FL looking at 36/12
If so, .00150 MF and 60% residual
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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
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Any lease cash or other incentives?
Thanks!
$400 lease cash
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Could you help me with RV and MF on a Atlas SE 4motion, SE with technology, SE 4motion with technology and SEL 4motion please? 36M / 12K. New Jersey. Any incentives?
Thanks.
No incentives - the Atlas is selling quite well.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
AWD: .00190 MF and 62% residual
$400 lease cash
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AWD: .00190 MF and 62% residual
$400 lease cash
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$400 lease cash has been added.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
48/12 - .00200 and 53%
$400 lease cash
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
Current deal has me at $550/month, $3125 at signing (taxes, fees, first month payment)
MSRP 44,085
I don't have the sale price in front of me. They are paying my last payment for current lease of an Acura MDX along with my disposition fee which is a total of $1,040 bucks roughly.
Payment without these would be $521.
Would love anyone's thoughts, feedback or guidance on the above.
We would need to know the selling price in order to figure the payment.
How is your MDX lease being addressed? The VW dealer is not taking it in trade?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
$400 lease cash
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
They are paying the last month and the disposition fee, again which would add $1,040.
If I add the $1040 to the selling price, I get a payment of $582/mo.
Your deal looks pretty strong.
One suggestion - we recommend that your out of pocket only be the first payment and DMV / registration costs. Roll the taxes and other fees into the monthly payment.
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
.00190 and 62%
If I add the $1040 to the selling price, I get a payment of $582/mo.
Your deal looks pretty strong.
One suggestion - we recommend that your out of pocket only be the first payment and DMV / registration costs. Roll the taxes and other fees into the monthly payment.
Thanks for the help. Pardon my lack of knowledge but why do you guys recommend rolling taxes and fees into the monthly payment? Thanks for the help. Pardon my ignorance but why do you recommend rolling in taxes and fees into the monthly?
If I add the $1040 to the selling price, I get a payment of $582/mo.
Your deal looks pretty strong.
One suggestion - we recommend that your out of pocket only be the first payment and DMV / registration costs. Roll the taxes and other fees into the monthly payment.
Thanks for the help. Pardon my lack of knowledge but why do you guys recommend rolling taxes and fees into the monthly payment? Thanks for the help. Pardon my ignorance but why do you recommend rolling in taxes and fees into the monthly?
1. Cuts down your up front costs
2. If the car is stolen or totaled, you'd lose that cash you laid out up front - you think the state will refund you the pre-paid tax you paid?
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
1. Cuts down your up front costs
2. If the car is stolen or totaled, you'd lose that cash you laid out up front - you think the state will refund you the pre-paid tax you paid?
I'm considering getting an Atlas as well on Long Island, NY. If I did taxes rolled in, what are is the interest on those taxes? Our sale tax rate is 8.625%. I don't mind a higher payment don't really feel like paying interest on an already high tax rate.
2. If the car is stolen or totaled, you'd lose that cash you laid out up front - you think the state will refund you the pre-paid tax you paid?
I'm considering getting an Atlas as well on Long Island, NY. If I did taxes rolled in, what are is the interest on those taxes? Our sale tax rate is 8.625%. I don't mind a higher payment don't really feel like paying interest on an already high tax rate.
It's a risk decision only you can make. Adding the tax to the cap cost only adds about $3.50/mo to the rent charge ($126 over the life of the lease)
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
$400 lease cash
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2015 Subaru Outback 3.6R / 2014 MINI Countryman S ALL4
The numbers from each dealer should be arriving tomorrow. This is my first time doing a lease so tell me if I'm on the right path. I used the Lease calculator on Edmunds and inputted the numbers from this forum. Here's what I've come up with:
Some questions/comments from top to bottom:
Vehicle Costs Section
1) Sticker price of the vehicle is $49,415 (Although at least one of the models has the monster mats, cargo blocks and roadside kit and that one is $49,785 so I may be screwed $500 there). Looking online, it seems the best discount I'm seeing is $2k off so that's what I'm aiming for. The SEL Premium's are in high demand so I'm aware I may not even get that. And then $400 lease cash I assume is a direct discount
2) The title, registration, and other fees doesn't have taxes listed But I'm assuming that's in there because the price on the bottom says "tax included"
Trade in and Down Payment
3) So far highest quote I've gotten on my '14 Acura RDX w/ 55k miles trade- n is $19,250. It was their first offer so Hopefully I can negotiate that up at the buying table.
4) I've been told to try to do zero down. Is it possible then to send the positive equity I have on my vehicle towards an additional security deposit?
Lease Financing
5) The lease residual value I calculated as $47,415 (Sticker price - $2k) * 62% = $29,397.30
6) I'm not sure of the Acquisition Fee yet
7) I'm not sure if there's a security deposit
No idea where they get title/registration fees. Maybe from your zip code. Doubt it includes tax
VW acquisition fee is $625
Most banks waive the security deposit, if you have top tier credit.
Can't comment on the tax, as we don't know your state or tax rate.
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So here's a new breakdown using a different calculator. Numbers are inputted from what dealer provided me with and what kyfdx provided me with:
Comments/questions looking at this top to bottom:
1) Discounts: On the phone best he said he could do was a $1500 discount so my estimate to him showed the $1500 discount on top of the $400 Cash lease. He said his $1500 discount included the cash lease.
2) Down Payment: This is $19,250 trade-in value of my '14 RDX AWD Tech w/ 55k miles - $17,565 payoff = $1,685. I asked if I could move the down payment into a security deposit so that I could keep the downpayment at zero but he said that wasn't possible.
3) Residual: He also said because I'm doing 15k miles, the RV is at 60%.
4) Money Factor: He said the money factor he was using was higher, but if the credit was good enough he would be at .00190 or close to it.
5) Doc Fee + Reg Fee: He also said the Document fee is $299 and the Reg Fee is $331.
6) Sales Tax: Maryland Sales tax is 6%. I asked him if we could do it so that the sales tax was on the monthly payment (as discussed in earlier posts in here) but he said in MD, tax is on the entire vehicle.
I'm guessing Money Factor & RV aren't negotiable so if I want to have a lower monthly, I need to try to get more for my trade-in and more off the MSRP, correct?
Lastly, as an FYI, here's my questions to him regarding putting the positive equity from my trade-in into a security deposit and if the tax could be done on the monthly, to which neither seems possible:
If this is AWD, the base MF is .00190 and the residual is 60% for 36/15.
Don't accept a money factor that is over the base amount. VW dealers are permitted to mark up the rate, and they can mark it up a lot.
Sales tax in MD is on the full selling price. That's a lot of tax.. It would push me towards a purchase, rather than a lease. But, if you are getting a trade-in credit for $19,000, that will help a lot.
Registration fees should be set by the government. $299 isn't cheap for a doc fee, but it's typical for MD dealers.
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